The Personal Finance Podcast

The Personal Finance Podcast

Andrew Giancola from Master Money reveals all of his personal finance, money, investing, business strategies, income sources, stock, and real estate investing tips so that you can build more wealth than you ever thought possible. Discover how to increase your income at your job and create multiple passive income streams that work for you, so you have the time and freedom to do what you love. Whether that’s travel, or having freedom from your day job. Since 2013, Andrew has been sharing the wins and losses of his personal finance journey. You will learn how to invest to create wealth in stocks, index funds, real estate, building businesses, and side-hustles. You will learn how to save more money, get a raise, set up simple budgets, build habits, personal growth, and money hacks that will take you to the next level with your finances. Take control of your money so you can live a stress-free, rich life. Anyone can be wealthy, Andrew will show you how. Hit subscribe and get ready to change your life.

Episodes

10 Steps to Get Ahead of 99% Of People Financially (In the Next 6-12 Months)

October 8, 2025 • 46 mins
Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew walks through the 10 practical steps that can flip your finances in 6-12 months. Watch this episode on Youtube. Here's what we're covering today: 🧭 Step 1: Get crystal-clear on your retirement goal using the 25× rule 🏦 Step 2:...
Mark as Played

Announcing Master Money Academy (The Ultimate Wealth-Building Community)

October 7, 2025 • 12 mins
Tired of trying to figure out money alone? Join the community built to help you master your money, stay accountable, and reach financial freedom.   Join Master Money Academy today! Learn more about your ad choices. Visit megaphone.fm/adchoices
Mark as Played

How 401(K) Sprints Can Make You A Multi-Millionaire (By AGE!)

October 6, 2025 • 39 mins
In this episode of The Personal Finance Podcast, Andrew introduces the 401k Sprint strategy—a game-changing approach where you max out retirement contributions for just 5-10 years instead of grinding for 30-40 years straight, proving that a 25-year-old who contributes $23,500 annually for only 5 years can retire with over $2 million while someone starting at 60 can still add $430,000 in just 5 years using catch-up contributions. He...
Mark as Played

Which Accounts Should I Draw From In Retirement? (Rapid Fire Q&A)

October 1, 2025 • 36 mins
In this episode of The Personal Finance Podcast, Andrew answers 15 listener questions ranging from Solo Roth 401k strategies and crushing $117,000 in student loans to whether a 19-year-old should build credit and how to pass brokerage accounts to your kids without tax headaches. He covers retirement account drawdowns, traditional versus Roth decisions based on tax brackets, why high-fee mutual funds usually lose to ETFs, and whethe...
Mark as Played

Should You Pay Off Debt or Invest First? The Answer Might Surprise You (Money Q&A)

September 29, 2025 • 37 mins
In this episode of the Personal Finance Podcast,  we are going to do a Money Q&A  about should you pay off debt or invest first. Today we are going to answer these questions: Question 1: Should I build my emergency fund to $20,000 first, or start paying down my mortgage and investing at the same time? Question 2: Is my bonus payoff plan the best option, or should I prioritize my 12% personal loan or Roth IRA contributio...
Mark as Played

The 80/20 Millionaire: The Few Habits That Create Most Millionaires

September 24, 2025 • 38 mins
In this episode of The Personal Finance Podcast, Andrew shatters the biggest lie about millionaires—that they're born rich or got lucky—by revealing that 80% built their wealth from scratch, with teachers, engineers, and regular folks who never earned six figures proving you don't need a trust fund to win with money. He exposes how real millionaires actually live: driving Hondas instead of BMWs, using coupons, and putting 17% of th...
Mark as Played

How to Pay Off $10,000 in Credit Card Debt in Less Than 1 Year

September 22, 2025 • 31 mins
In this episode of The Personal Finance Podcast, Andrew exposes how credit card companies profit from keeping you trapped in 20-25% interest debt that can stretch a $10,000 balance into decades of payments, then reveals his tactical 6-step plan to eliminate that debt in under a year using balance transfer cards and finding just $875 monthly through expense cuts and side hustles. He breaks down why this isn't just about math but abo...
Mark as Played

5 Side Hustles That Can Turn into a Full Time Income! (Part 3)

September 17, 2025 • 41 mins
In this episode of The Personal Finance Podcast, Andrew reveals five side hustles that could replace your day job income with real businesses that solve actual problems: how a $75,000 roll-off dumpster setup can generate $300,000+ annually, why job site cleaning requires minimal investment but locks you into $50,000-$100,000 contracts with single contractors, how AI implementation consulting lets you charge $200-$500 per hour with ...
Mark as Played

6 Ways to Master Money in Your 30s (and 40's!)

September 15, 2025 • 49 mins
In this episode of The Personal Finance Podcast, Andrew delivers a comprehensive roadmap for mastering your money during your 30’s and 40’s when you're balancing peak earning years with major life responsibilities. He breaks down six essential strategies: maximizing income growth through smart salary negotiations and strategic job changes that can add hundreds of thousands to retirement, establishing solid financial foundations wit...
Mark as Played

The 7 Biggest Mistakes People Make in Retirement (And How to Avoid them!)

September 10, 2025 • 53 mins
In this episode of the Personal Finance Podcast,  we are going to talk about the 7 biggest mistakes people make in retirement. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! ...
Mark as Played

Should You Stop Using a Roth 401(k) After a Certain Income? (Money Q&A)

September 8, 2025 • 40 mins
In this episode of The Personal Finance Podcast, Andrew answers eight questions on tax strategies and retirement planning, covering when investment moves trigger taxes (depends on account type), tax loss harvesting for high earners, why the 75-80% retirement income rule uses pre-tax numbers but you should plan more conservatively, strategic Roth 401k timing in lower tax brackets, a TransUnion data breach affecting 4.4 million Ameri...
Mark as Played

Money Expert: Why You Should Give Before You’re Rich (With Derrick Kinney)

September 3, 2025 • 73 mins
In today's episode of The Personal Finance Podcast, we will talk to Derrick Kinney about Money Expert Why You Should Give Before You’re Rich . He reveals why starting with generosity unlocks exponential wealth growth, sharing how a burned-out manufacturing owner increased sales 20% in three months by connecting his business to funding an overseas schoolhouse. Kenny breaks down his "Good Money Framework" that flips traditional finan...
Mark as Played

The Wealth Flywheel: How to Systematically Grow Your Income (Fast!)

September 1, 2025 • 45 mins
In this episode of The Personal Finance Podcast, we break down the Wealth Flywheel system—a framework for building assets that generate exponential momentum through cashflow reinvestment, covering how real estate rentals, subscription businesses, and dividend stocks create self-sustaining wealth machines that start slow but eventually replace your active income. We explore 15+ different flywheel types from single-family rentals to ...
Mark as Played

This One Move Could Save You Thousands on an 11% Loan (Money Q&A)

August 27, 2025 • 38 mins
In this episode of the Personal Finance Podcast,  we are going to talk about  this one move could save you thousands on an 11% loan.  Today we are going to answer these questions: Question 1: Should I stop overpaying my 11% loan and invest the difference instead? Question 2: How can I turn a $1,200/month truck stipend into a free vehicle every 3 years? Question 3: Should college students invest in a Roth IRA or focu...
Mark as Played

12 Reasons to Never Retire (Even When You Have Enough Money)

August 25, 2025 • 34 mins
In this episode of The Personal Finance Podcast, we explore 12 data-backed reasons why working past traditional retirement age can boost your health, wealth, and happiness—from how postponing retirement preserves cognitive function and reduces mortality risk by 9-11%, to why social isolation from leaving work increases death risk by up to 77%, and how modern remote opportunities make it easier than ever to design lifestyle-friendly...
Mark as Played

Student Loans Just Changed... Here’s How to Pay Them Off Faster (This Year!)

August 20, 2025 • 37 mins
In this episode of The Personal Finance Podcast, we break down the massive student loan changes hitting in 2025—why SAVE, PAYE, IBR, and ICR plans are being eliminated for new borrowers starting July 2026, how interest resuming on SAVE loans means balances could grow again, and why wage garnishment restarts in August 2025. We provide a 12-step action plan to pay off loans faster, including the biweekly payment hack that saves $1,00...
Mark as Played

How the Wealthy Use HELOCs to Build Wealth and Protect Their Cash (Should You Have One?)

August 18, 2025 • 48 mins
 In this episode of The Personal Finance Podcast, we break down everything you need to know about HELOCs (Home Equity Lines of Credit)—what they really are, how they differ from traditional mortgages, and why the popular "velocity banking" strategy to pay off your mortgage faster delivers minimal benefits with maximum complexity. We explore the math behind using a HELOC to chunk down mortgage payments versus simply making extra pri...
Mark as Played

How to Get Rich Buying Boring Businesses with Codie Sanchez (PFP Vault)

August 13, 2025 • 29 mins
Today we talk to Codie Sanchez about buying boring businesses. Codie owns 26 businesses, is the founder of Contrarian Thinking, and has an incredible newsletter with over 110K Readers. We talk about: Carwashes  Laundromats  Mailbox Money  Vending Machines  How to get financing for deals  How to manage multiple businesses  And so much more! How Andrew Can Help You: Listen to The Business Show here. D...
Mark as Played

17 Brutal Lessons To Get Filthy Rich

August 11, 2025 • 46 mins
In this episode of the Personal Finance Podcast, we break down the 17 brutal truths about building wealth that separate the rich from the rest—why saving alone will never make you wealthy, how 94% of millionaires live below their means, and why missing just 20 market days can slash returns by 70%. We explore uncomfortable money realities most never hear: why hard work isn't enough without assets, how lifestyle inflation destroys mi...
Mark as Played

She’s 64, Broke, and Wants to Day Trade - Here's What I'd Tell Her (Money Q&A)

August 6, 2025 • 44 mins
In this episode of the Personal Finance Podcast,  we are going to answer questions on this Money Q&A about  she’s 64, broke, and wants to day trade - Here's What I'd Tell Her. Today we are going to answer these questions: Should my 67-year-old mom take a $100K lump sum pension or $720/month for life — and what should she do with her 401(k) and HSA? How does tax loss harvesting actually work — and is it worth doing? We ...
Mark as Played

Popular Podcasts

    Stuff You Should Know

    Stuff You Should Know

    If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.

    Dateline NBC

    Dateline NBC

    Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com

    The Breakfast Club

    The Breakfast Club

    The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!

    My Favorite Murder with Karen Kilgariff and Georgia Hardstark

    My Favorite Murder with Karen Kilgariff and Georgia Hardstark

    My Favorite Murder is a true crime comedy podcast hosted by Karen Kilgariff and Georgia Hardstark. Each week, Karen and Georgia share compelling true crimes and hometown stories from friends and listeners. Since MFM launched in January of 2016, Karen and Georgia have shared their lifelong interest in true crime and have covered stories of infamous serial killers like the Night Stalker, mysterious cold cases, captivating cults, incredible survivor stories and important events from history like the Tulsa race massacre of 1921. My Favorite Murder is part of the Exactly Right podcast network that provides a platform for bold, creative voices to bring to life provocative, entertaining and relatable stories for audiences everywhere. The Exactly Right roster of podcasts covers a variety of topics including historic true crime, comedic interviews and news, science, pop culture and more. Podcasts on the network include Buried Bones with Kate Winkler Dawson and Paul Holes, That's Messed Up: An SVU Podcast, This Podcast Will Kill You, Bananas and more.

    The Joe Rogan Experience

    The Joe Rogan Experience

    The official podcast of comedian Joe Rogan.

Advertise With Us
Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

Explore

iHeart

Live Radio

Podcasts

Artist Radio

Exclusives

News

Features

Events

Contests

Photos

Information

About

Advertise

Blog

Brand Guidelines

Contest Guidelines

Subscription Offers

Jobs

Get the App

Automotive

Home

Mobile

Wearables

© 2025 iHeartMedia, Inc.