Join the Free Master Your Money Workshop here . 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 reveals the exact 10-step retirement planning framework used by top financial planners, showing you how to define your dream retirement lifestyle instead of just guessing a number. Listen to The Business Show here . Join The Master Money Newsletter where yo...
Jan 26, 2026•1 hr 1 min
Join the Free Master Your Money Workshop 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 welcomes back Andy Hill to explore life after reaching Coast FIRE, revealing how to balance enjoying today with preparing for tomorrow, build a spending plan that doesn't sabotage your future, overcome the habit of over-saving, navigate the emotional side of reach...
Jan 21, 2026•42 min
Join the Free Master Your Money Workshop 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 reveals how to build multi-millionaire wealth on a low salary, sharing stories of janitors and secretaries who built $7-70 million fortunes through discipline, breaking down the step-by-step system including capturing employer match, eliminating debt, establishing...
Jan 19, 2026•1 hr
Join the Free Master Your Money Workshop on January 14, 2026 here! 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 sits down with Paula Pant to react to wild Reddit money stories and crazy financial situations. They break down the psychology, red flags, and money lessons hidden in each story, sharing their unfiltered reactions to some of the most absu...
Jan 14, 2026•37 min•Ep. 490
Join the Free Master Your Money Workshop on January 14, 2026 here! Get the Free Guide to The Master Money Kids Wealth System here! 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 reveals the exact system the top 1% use to raise wealthy kids—teaching them to earn through value creation, split money into four jars for spending, saving, investing, and gi...
Jan 12, 2026•41 min•Ep. 489
Join the Free Master Your Money Workshop on January 14, 2026 here! 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 reveals the exact money plan for every decade—your 20s are about building the floor by controlling cash flow and starting to invest, your 30s focus on building the engine with a high savings rate and maximizing tax-advantaged accounts, yo...
Jan 07, 2026•53 min•Ep. 488
Join the Free Master Your Money Workshop on January 14, 2026 here! 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 reveals the step-by-step plan to finally achieve your money goals, covering how to get clarity on your why, set SMART goals, create an actionable plan, keep score with a scorecard, plan your week with time blocking, and automate your fina...
Jan 05, 2026•48 min
Join the Free Master Your Money Workshop on January 14, 2026 here! 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 shares 26 money moves to transform your finances this year—covering how to rebuild trust in your money, automate your finances, update your net worth, follow the 1-3-6 emergency fund method, increase investments, run a tax-diversification...
Dec 31, 2025•58 min•Ep. 487
Get the Free Automate Your Money Checklist here. 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 reveals how to transform your financial life in just three months by mastering six simple steps, knowing your core numbers like income, burn rate, and savings rate, optimizing housing costs, automating your investments and bills, investing in low-cost inde...
Dec 29, 2025•48 min
In this episode of The Personal Finance Podcast, Andrew sits down with Jade Warshaw to discuss her new book "What No One Tells You About Money," revealing how she paid off $460,000 in debt, why money is emotional not mathematical, and the hidden emotions like frustration, shame, fear, and envy that sabotage financial progress, plus the critical shift someone needs to make right now if they feel stuck or overwhelmed. Join the community built to help you master your money, stay accountable, and re...
Dec 24, 2025•44 min
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 breaks down the seven worst money trends destroying wealth in every decade,from sports betting and Buy Now Pay Later debt in your 20s, to becoming house poor and delaying investing in your 30s, lifestyle inflation and ignoring tax planning in your 40s, and carrying debt into retirement in your 50s, revea...
Dec 22, 2025•43 min
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 sits down with Paula Pant to break down her Double-I FIIRE framework covering financial psychology, increasing income, investing, real estate, and entrepreneurship. They explore why mindset is the first domino, the most overlooked paths to higher income, which investing concepts matter most, the reality ...
Dec 17, 2025•1 hr 13 min
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 sits down with Justin David Carl to reveal how he went from $80,000 in debt to a $3.4 million net worth in just over two years. Justin shares how he optimized the big three expenses, grew his income from $150K to $888K per year, saved 80-90% of his income, got his wife on board with FI, and applies the s...
Dec 15, 2025•1 hr
Get Your Networth Audit Checklist here. 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 reveals why tracking your net worth is more powerful than budgeting and shows you exactly how to perform a net worth audit step-by-step. He breaks down what to include and exclude in your calculation, common mistakes people make, why tracking this one number automa...
Dec 10, 2025•38 min
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 reveals how millions of Americans retire with far less than $1 million—the median retiree age 65-74 has only $200,000 saved and 40% live solely on Social Security. He breaks down how people make it work by relying on Social Security, paid-off homes, modest spending, and part-time work, exposes the hidd...
Dec 08, 2025•38 min•Ep. 479
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 reveals the shocking truth that while homes increased 400% since 1970, the S&P 500 returned 7,000% in the same period. He breaks down three full case studies showing the real total cost of ownership including property taxes, maintenance, insurance, and opportunity cost, plus when buying still makes s...
Dec 03, 2025•36 min•Ep. 481
Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy $19 for the first month. Get The Ultimate Year End Money Checklist here. In this episode of The Personal Finance Podcast, reset your financial life in just 15 minutes with the ultimate year-end money checklist for 2025. Andrew breaks down 10 practical phases to save money instantly with quick wins, automate your money system, review spending and savings, update your...
Dec 01, 2025•41 min•Ep. 475
Get the Free Automation Checklist here. 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 reveals how to automate your entire financial life so your money works for you while you live your life. He shares practical steps to build your flow-through account, automate your wealth and bills, create a spending plan using the 20-55-25 rule, build safety nets...
Nov 26, 2025•36 min
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 breaks down the average retirement savings for Gen Z, Millennials, Gen X, and Boomers using Fidelity's data, which will cover where each generation stands today, why compounding matters most for younger savers, how to catch up if you're behind, whether to slow down student loan payments to max your Roth ...
Nov 24, 2025•37 min
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 and his wife Irene dive into crazy Reddit AITA stories answering questions about wild money situations in relationships—from the boyfriend who demanded a luxury car after learning his girlfriend won lottery money, to the manipulative partner who won't pay back $700 he borrowed, the boyfriend who guilts h...
Nov 19, 2025•42 min•Ep. 474
👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew talks withChris Hutchins—host of All The Hacks and one of the smartest people in the travel rewards world, to answer the burning question: Is travel hacking still worth it as credit card annual fees skyrocket and loyalty programs devalue points left and right, breaking down Chase versus Amex strategies, the rise of cashback alternatives, how to build a smart travel rewards plan for that dream trip you've ...
Nov 17, 2025•1 hr 2 min•Ep. 473
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 continues with Part 2 of 21 Things to Do Before You Retire revealing 11 more critical milestones most people miss including building a healthcare plan to protect against rising medical costs, creating a 2-3 year cash buffer to survive market crashes, entering retirement debt-free for maximum flexibility,...
Nov 12, 2025•42 min•Ep. 472
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 reveals the 10 critical retirement milestones most people miss, from defining your dream retirement and hitting 25 times your annual expenses for financial independence, to creating a withdrawal strategy that makes your money last, building multiple income streams, maximizing Social Security benefits, su...
Nov 10, 2025•48 min•Ep. 471
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 breaks down the average retirement savings by age in 2025 using Fidelity's data from millions of 401(k) accounts—revealing how much people actually have saved in their 20s, 30s, 40s, and 50s compared to what they should have, showing that most Americans are falling short of retirement readiness, walking ...
Nov 05, 2025•41 min•Ep. 470
Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Get all of Brian's Prompts from this episode here ! In this episode of The Personal Finance Podcast, Andrew teams up with Brian Feroldi—making his fifth appearance on the show—to reveal how to use AI as your personal junior analyst to research and analyze stocks faster without replacing your judgment, showing you how to tackle massive 10-K filings by giving A...
Nov 03, 2025•45 min•Ep. 469
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 brings back Dustin Heiner for Part 2—a live coaching session where Dustin creates a personalized roadmap to help Andrew generate $10,000 per month in real estate cash flow over the next decade, starting with $250,000 to invest and reverse engineering the exact goal by comparing three rental strategies: s...
Oct 29, 2025•41 min•Ep. 468
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 reveals 25 terrifying financial statistics that expose why most Americans are struggling with money, from 78% living paycheck to paycheck and total U.S. debt hitting $18.39 trillion, to credit card balances exceeding retirement savings for millions, auto loans trapping people underwater, half of retirees...
Oct 27, 2025•45 min•Ep. 468
Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Watch this episode on Youtube . In this episode of the Personal Finance Podcast, we are going to talk to Dustin Heiner about how to achieve financial independence and replace your job with real estate investing—exploring what your life would look like if you never had to work another day for money, breaking down the simple math to work backwards from your fre...
Oct 22, 2025•51 min•Ep. 467
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 breaks down the five powerful strategies that let you retire at 50 without losing money to penalties or surprise taxes—from building a taxable brokerage account that serves as your early retirement bridge, to unlocking a Roth IRA conversion ladder that creates tax-free income, using the Rule of 55 to acc...
Oct 20, 2025•46 min
Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Watch this episode on Youtube . In this episode of The Personal Finance Podcast, Andrew breaks down the seven types of income that separate people living paycheck-to-paycheck from those building real wealth—from earned income where you trade time for money, to royalty income that pays you forever without lifting a finger, showing you exactly how to climb the ...
Oct 15, 2025•34 min
