Podcast · 135 episodes

The Personal Finance Podcast

by Andrew Giancola · English

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.

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Latest episodes

The Millionaire Money Rules (Get to $1M Faster!)“Millionaire Money Rules (Get to $1M Faster!)” by Andrew (Personal Finance Podcast, MasterMoney.co).30 Sep 2026 · 46 min

The EXACT System I Use to Manage Every PaycheckAndrew’s “exact system” for managing every paycheck using automation and an order of operations: invest first (after emergency fund and high-interest debt are handled), then pay down debt, then…28 Sep 2026 · 56 min

The 7 Habits of Great InvestorsSeven habits of great investors (automation, low costs, staying invested, diversification, long-term thinking, controlling behavior, continuous learning) plus listener Q&A on debt payoff and getting…23 Sep 2026 · 49 min

All episodes

The Millionaire Money Rules (Get to $1M Faster!)“Millionaire Money Rules (Get to $1M Faster!)” by Andrew (Personal Finance Podcast, MasterMoney.co).30 Sep 2026 · 46 min · 22 chapters

How to Reach Financial Independence Without Putting Your Life on Hold with Justin PetersHow to pursue financial independence while enjoying life now, avoiding burnout and “decision fatigue,” and learning to spend intentionally based on values rather than deprivation.21 Sep 2026 · 54 min · 23 chapters

5 Signs You’re Overthinking Investing! (Plus Money Q&A!)The episode explains five signs you’re overthinking investing—plus a Money Q&A covering cross-border estate tax planning, budgeting for school-year workers, how a low-income single adult should…16 Sep 2026 · 58 min · 25 chapters

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat)The “5 levels of FIRE” framework—Coast, Lean, FI, Chubby, and Fat—explaining how to plan financial independence using the 25x/4% withdrawal math and how each level changes lifestyle and options.14 Sep 2026 · 49 min · 14 chapters

Type A vs. Type B Money Personality: Which one are you?Money personality types—Type A (control/optimization) vs Type B (simplicity/convenience)—and how to budget, avoid “money traps,” and set up investing systems accordingly.9 Sep 2026 · 53 min · 21 chapters

The 12 Worst Money Habits (Ranked!)A “ranked” list of the 12 worst money habits (host Andrew, Personal Finance Podcast). In this excerpt, the episode covers habits #12 through #4 and #3/#2/#1 are only partially shown.7 Sep 2026 · 52 min · 18 chapters

How to Never Worry About Money Again With Jesse MechamJesse Mecham (YNAB) argues that “saving” is really deferring spending; money’s purpose is always to be spent, just on a planned timeline.2 Sep 2026 · 58 min · 21 chapters

How to Save $100,000 on a Low SalaryHow to save your first $100,000 on a low salary, emphasizing mindset, income growth, debt payoff, emergency-fund building, investing in retirement/taxable accounts, expense audits, and automating…31 Aug 2026 · 48 min · 20 chapters

How to Spot a Fee That's Robbing You, Insure Your Kids' Future, and Retire Two Decades Early (Money Q&A)Money Q&A covering (1) spotting and reducing investment fees in a 401(k), (2) when gap insurance is worth it for car loans, (3) planning for a special-needs child without losing SSI/Medicaid, (4)…26 Aug 2026 · 53 min · 14 chapters

4 Dead Simple Steps to Become Financially FreeAndrew (MasterMoney.co) lays out “four dead simple steps” to financial freedom using specific math: (1) financial freedom number = monthly income x 300, tied to the 4% rule/Trinity Study; (2) minimum…24 Aug 2026 · 48 min · 21 chapters

How to Build a Vacation Fund That Pays You For Life + (Money Q&A)Building a “vacation fund that pays you for life” by investing earmarked money in a taxable brokerage (long-term, 10+ years) and using travel rewards/points to cover near-term vacation costs.19 Aug 2026 · 48 min · 20 chapters

Hit This Number and You Can STOP SAVING! (Even When You are Young)Coast FIRE—how to invest enough that you can stop (or greatly reduce) retirement contributions while still expecting your portfolio to grow via compound interest to reach a retirement goal (often by…17 Aug 2026 · 45 min · 27 chapters

Why Franchises Might Be the Best Kept Wealth Building Secret with Alex SmereczniakFranchising as an underrated wealth-building path, explaining what franchise buyers actually purchase, how to think about costs/cash needs/financing, and how franchising can be scaled (including via…12 Aug 2026 · 57 min · 25 chapters

Why a Mini Retirement Can Change Your LifeThe Personal Finance Podcast episode explains “mini retirements” as intentional, self-funded pauses from work (not employer-negotiated sabbaticals) to enjoy money earlier than 65.10 Aug 2026 · 51 min · 22 chapters

Roth vs. Traditional, Dividend ETFs, and Catching Up in Your 40s (Money Q&A)Money Q&A covering Roth vs. traditional 401(k) (no employer match), building a simple index ETF portfolio (VTSAX/VTIAX vs ETF equivalents), paying off truck debt and emergency fund steps for a…5 Aug 2026 · 57 min · 23 chapters

5 Side Hustles That Can Turn Into a Full Time Income (Part 4)Part 4 of a series on “5 Side Hustles That Can Turn Into a Full Time Income,” focused on building durable, scalable services (not gig driving) that can become recurring revenue.3 Aug 2026 · 43 min · 13 chapters

Why Your Healthcare Costs Keep Rising with Dr. Jordan GrumetWhy U.S. healthcare costs keep rising, using a “normal ER visit” to show how incentives, third parties, and billing practices inflate prices; plus consumer steps to reduce bills, early-retirement…29 Jul 2026 · 54 min · 20 chapters

The System to Pay Cash For Cars (and NEVER Have a Payment Again!)How to pay cash for cars (and avoid car payments), arguing that cars are depreciating liabilities and that financing often blocks wealth-building.27 Jul 2026 · 59 min · 23 chapters

How Do I Reset My Money Mindset and Get Out of Debt? Pause Investing to Save for a House? How Does a Credit Score Actually Work? (Money Q&A)Money Q&A covering debt payoff strategy and mindset, whether to pause investing to pay off a car loan, how to contribute to retirement accounts as a self-employed freelancer using the foreign earned…22 Jul 2026 · 1 h 2 min · 22 chapters

Are Trump Accounts Worth It? (And What's Actually Better)The episode explains “Trump accounts” (Section 530A accounts) for kids under 18, whether they’re worth using, and how they can be used to get money into a Roth IRA via a “Roth conversion window.” It…20 Jul 2026 · 43 min · 21 chapters

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher)Retirement success depends less on account balance and more on the annual withdrawal/spending rate, plus planning for longevity risk, taxes, and behavior.15 Jul 2026 · 55 min · 22 chapters

How Much More Expensive Has Life ACTUALLY Become Since 2020?The host ranks 27 “best vs worst” frugal habits (S/A/B/C/D/F tiers), arguing frugality is value-based tradeoffs, not “cheap” behavior that prioritizes lowest price or harms relationships.13 Jul 2026 · 49 min · 31 chapters