PodcastsBusinessThe Personal Finance Podcast

The Personal Finance Podcast

Andrew Giancola
The Personal Finance Podcast
Latest episode

537 episodes

  • The Personal Finance Podcast

    High Income Tax Strategies, Selling a House to Invest in the S&P 500, and Converting $100K to a Roth IRA (Money Q&A)

    27/05/2026 | 1h 15 mins.
    Eight questions. Eight real financial situations. Eight answers that might change the way you think about your money.  

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/o37wxuz?webinar_id=22 

    What You'll Learn in This Episode

    How a new US resident with $1.5M should restructure for American retirement accounts

    How to automate your finances when your income changes every month

    Should you sell your home and invest the equity in 2026?

    Why taxes hit harder above $250K and what to do about it

    The tax order high earners should follow to save six figures a year

    The simplest way to convert $100K from traditional IRA to Roth without a huge tax bill

    The AI voice scam targeting one in four Americans right now

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance


    Policygenius → Free life insurance quote http://policygenius.com


    Acorns → Start investing + get $5 bonus http://acorns.com/pfp


    Monarch → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP


    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp  


    Wayfair → Get 80% OFF on April 25th through the 27th http://wayfair.com  


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Tool/s Mentioned

    The Retirement Calculator https://expert-hustler-605.kit.com/e6b8d4f8a2 

    Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/ 

    Automate Your Entire Money System in One Weekend https://courses.mastermoney.co/automate-your-money-checklist  

    Book/s Mentioned

    Why We Sleep by Matthew Walker 

    Episode/s Mentioned

    Buying a House VS. Investing In the S&P 500 (Which Is Better?) https://youtu.be/6iwf_4iQz0c 

    How to Automate Your Finances (Money on Autopilot!) https://youtu.be/Fenu_LtdmZU 

    How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU 

    Watch Next

    How to Shave Off 7+ Working Years and Retire Early! https://youtu.be/9oZFn2lmZm4 

    Is the American Dream Dead? (With Freddie Smith) https://youtu.be/3Ivz8Ts9J2o 

    How Companies Are Quietly Robbing You! With Lindsay Owens https://youtu.be/WhfXVmC2DC0 

    12 Financial Rules of Thumb That Let You Spend More on What You Love https://youtu.be/36HG6VHnA08 

    How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI 

    How to Manage Your Money (and Still Enjoy Life) https://youtu.be/BWocw8B-xnY 

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    If you could get one financial question answered live by Andrew, what would it be? Drop it below and join the Master Money newsletter to make it happen. 
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    How to Shave Off 7+ Working Years and Retire Early!

    25/05/2026 | 57 mins.
    Most people try to retire early by saving more and spending less. The people who actually pull it off use these six strategies instead. 

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/o37wxuz?webinar_id=22 

    What You'll Learn in This Episode

    Why the wrong investments in the wrong accounts could cost you $700K without you even knowing it

    How one zip code change shaved seven full years off a couple's retirement timeline

    The spousal IRA most couples skip that quietly builds nearly a million dollars tax-free

    How to sell hundreds of thousands in gains and legally owe zero in federal taxes

    The secret 401k bucket that lets high earners add $47,500 extra into tax-free accounts every year

    How to tap your 401k years before 59 and a half with zero penalty if you plan it right

    The one healthcare move that turns a $26,000 annual bill into $3,000 in early retirement

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance


    Policygenius → Free life insurance quote http://policygenius.com


    Acorns → Start investing + get $5 bonus http://acorns.com/pfp


    Monarch → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP


    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp  


    Wayfair → Get 80% OFF on April 25th through the 27th http://wayfair.com  


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Episode/s Mentioned

    How to Access Your Retirement Accounts EARLY (Roth IRA Conversion Ladder for the FIRE Movement) https://youtu.be/ut8rDIJ1kSI 

    Watch Next

    Is the American Dream Dead? (With Freddie Smith) https://youtu.be/3Ivz8Ts9J2o 

    How Companies Are Quietly Robbing You! With Lindsay Owens https://youtu.be/WhfXVmC2DC0 

    12 Financial Rules of Thumb That Let You Spend More on What You Love https://youtu.be/36HG6VHnA08 

    How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI 

    How to Manage Your Money (and Still Enjoy Life) https://youtu.be/BWocw8B-xnY 

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    What is your current retirement timeline and how many years are you trying to cut? Drop your number in the comments and let the community help you figure out your next move. 
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    Is the American Dream Dead? (With Freddie Smith)

    20/05/2026 | 1h
    Millennials and Gen Z are not broke because of laziness but a broken system. Here is what is actually going on and what you can do about it. 

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/o37wxuz?webinar_id=22 

    What You'll Learn in This Episode

    Why the American Dream playbook is broken and what replaces it

    Why luxuries got cheaper while necessities got unaffordable

    Why two EMTs could build a life in 1996 and cannot today

    The three-tier middle class divide and why your neighbor pays $55K less than you

    Whether buying a home in 2026 still makes sense and the two questions to ask first

    What is actually happening with Social Security and what to do about it

    The one lever that matters most when the system is working against you

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today!https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance


    Policygenius → Free life insurance quote http://policygenius.com


    Acorns → Start investing + get $5 bonus http://acorns.com/pfp


    Monarch → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP


    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp  


    Wayfair → Get 80% OFF on April 25th through the 27th http://wayfair.com  


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Tool/s Mentioned

    Trulia - https://www.trulia.com 

    Zillow - https://www.zillow.com 

    Uber - https://www.uber.com 

    Watch Next

    How Companies Are Quietly Robbing You! With Lindsay Owens https://youtu.be/WhfXVmC2DC0 

    12 Financial Rules of Thumb That Let You Spend More on What You Love https://youtu.be/36HG6VHnA08 

    How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI 

    How to Manage Your Money (and Still Enjoy Life) https://youtu.be/BWocw8B-xnY 

    The Housing Market Is Rigged (Here's How to Beat It) With David Sidoni https://youtu.be/ccXY6vTNJu0 

    Connect with Freddie Smith 

    TikTok → https://www.tiktok.com/@fmsmith319 

    Instagram → https://www.instagram.com/fmsmith319/ 

    Linktree → https://linktr.ee/Freddiemsmith 

    Spotify →  https://open.spotify.com/show/2MyR1MAPyqDf6OwCrNwR4b 

    YouTube → https://www.youtube.com/playlist?list=PLVcu9rrANHgA6WY_tH1vtpA8V6uX1BI3C 

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    .Do you think the American Dream is still achievable for your generation, or has the system changed too much? Drop your honest take in the comments below. 
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    How Companies Are Quietly Robbing You! With Lindsay Owens

    18/05/2026 | 57 mins.
    The store already knows how much you are willing to pay. They are just waiting for the right moment to charge you that exact amount.

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/o37wxuz?webinar_id=22

    What You'll Learn in This Episode

    What surveillance pricing is and why it is already happening to you at over 250 companies

    The JetBlue confession that accidentally blew the lid off the entire industry

    How Walmart's new digital shelf tags could change your grocery price while you are standing in the aisle

    Why you and the person next to you are probably paying different prices for the exact same thing

    The three types of data companies collect to figure out the maximum you will pay

    Three practical things you can do right now to avoid being quietly overcharged

    Why lower income shoppers often end up paying the most and what needs to change

    Start Here

    Join the community built to help you master your money, stay accountable, and reach financial freedom.

    👉 Try Master Money Academy FREE for 7 days today!

    https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass

    https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!

    https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals

    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

    Policygenius → Free life insurance quote http://policygenius.com

    Acorns → Start investing + get $5 bonus http://acorns.com/pfp

    Monarch → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp

    Wayfair → Get 80% OFF on April 25th through the 27th http://wayfair.com

    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Tool/s Mentioned

    CamelCamelCamel https://de.camelcamelcamel.com/

    Keepa https://keepa.com/#!language/1

    DuckDuckGo https://duckduckgo.com/

    Book/s Mentioned

    Gouged: The End of a Fair Price and What That Means for Your Wallet (Releases September 29, 2026)

    Publisher: Penguin Viking

    Pre-order: Amazon, local bookstores, or direct from Penguin Viking

    https://www.penguinrandomhouse.com/books/778487/gouged-by-lindsay-owens/

    Watch Next

    12 Financial Rules of Thumb That Let You Spend More on What You Love https://youtu.be/36HG6VHnA08

    How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI

    How to Manage Your Money (and Still Enjoy Life) https://youtu.be/BWocw8B-xnY

    The Housing Market Is Rigged (Here's How to Beat It) With David Sidoni https://youtu.be/ccXY6vTNJu0

    Focus on THIS in Retirement (Everything Else is Noise) https://youtu.be/afrCCLz4aJ4

    Connect with Lindsay Owens

    Personal Accounts

    X: https://twitter.com/owenslindsay1

    LinkedIn: https://www.linkedin.com/in/lindsay-a-owens-phd-3737032/

    Organization (Groundwork Collaborative)

    Website: https://groundworkcollaborative.org

    Lindsay's Bio Page: https://groundworkcollaborative.org/person/lindsay-owens/

    X: @Groundwork

    LinkedIn: https://www.linkedin.com/company/groundwork-collaborative

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    Have you ever noticed a price change on something you were about to buy, or realized someone else got a better deal on the exact same thing? Drop your story in the comments below.
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    12 Financial Rules of Thumb That Let You Spend More on What You Love

    15/05/2026 | 16 mins.
    What if the secret to spending more on what you love is not making more money but having better rules for how you spend it? 

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/o37wxuz?webinar_id=22 

    What You'll Learn in This Episode

    How to save and invest automatically so you never have to budget again

    The back of the napkin math that tells you your retirement number in 60 seconds

    How to identify exactly where to spend more and where to cut without feeling deprived

    The one rule that stops impulse purchases before they drain your account

    A simple formula to evaluate any purchase before you buy it

    How to enjoy your raises guilt-free while still building serious wealth

    The question to ask yourself before every major purchase that future you will thank you for

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Tool/s Mentioned

    Retirement Calculator https://expert-hustler-605.kit.com/e6b8d4f8a

    Watch Next

    How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI 

    How to Manage Your Money (and Still Enjoy Life) https://youtu.be/BWocw8B-xnY 

    The Housing Market Is Rigged (Here's How to Beat It) With David Sidoni https://youtu.be/ccXY6vTNJu0 

    Focus on THIS in Retirement (Everything Else is Noise) https://youtu.be/afrCCLz4aJ4 

    How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU 

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    What is one category you are going to spend more on and one you are going to cut ruthlessly starting today? Drop both in the comments. 
    Learn more about your ad choices. Visit megaphone.fm/adchoices
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About 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.
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The Personal Finance Podcast: Podcasts in Family