Retirement is not an age. It is a number. However, most people have no idea what their retirement number actually is. What if you could calculate it clearly and know exactly where you stand every year? Andrew will walk you through the complete process of finding that number, adjusting it every year, and taking the right steps at every stage of life to hit it in this episode.
👉 Free retirement calculator to find your retirement number! Here
What You'll Learn in This Episode
How to calculate your exact retirement number step-by-step
The biggest mistake people make when estimating retirement (and how to fix it)
How to account for healthcare, inflation, and future lifestyle changes
What to prioritize financially in your 20s, 30s, 40s, 50s, and 60s
Why your 30s are the decade that makes or breaks your financial future
How to use the gap formula to figure out exactly how much you need invested
How to close the gap between where you are and where you want to be
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!
👉 Join Andrew’s FREE Investing for Beginners Masterclass.
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!
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 Funds Early!
How to Access Your Retirement Accounts EARLY (Roth IRA Conversion Ladder for the FIRE Movement)
Watch Next
10 Reasons Smart People Are Bad With Money
The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step)
How to Invest in Real Estate (In ANY MARKET!)
The Best Financial Strategies (BY INCOME!)
Why Health is Wealth with Justin David Carl
Connect with Andrew
Instagram
Website
TikTok
X
LinkedIn
YouTube
Question for you:
What decade are you in right now, and what is the one money move you are most focused on? Drop it in the comments below. Learn more about your ad choices. Visit megaphone.fm/adchoices
10 Reasons Smart People Are Bad With Money
01/04/2026 | 52 mins.
Most high earners are shocked to discover that intelligence can actually work against you when it comes to building wealth. What if the same traits that made you successful in your career are quietly destroying your finances?
Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
What You’ll Learn in This Episode
In this episode of The Personal Finance Podcast, Andrew breaks down exactly why smart, high-earning people often struggle to build wealth and what to do about it:
Why overthinking every financial decision costs more in lost compounding than most people realize
How confusing a big income with financial intelligence quietly destroys net worth over time
Why smart people are the best in the world at rationalizing bad spending decisions
How lifestyle creep invisibly consumes every raise before it ever reaches an investment account
Why overconfidence leads to costly bets that consistently underperform a simple index fund
How optimizing for income instead of net worth means you are measuring the wrong scoreboard entirely
Why complexity is almost always just a defense mechanism smart people use to avoid the simple actions that build real wealth
Start Here
Join Andrew’s FREE Investing for Beginners Masterclasshttps://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
Join the Master Money Academy https://mastermoney.co/join/
Partner Deals
Indeed → Get a $75 sponsored job credithttp://Indeed.com/personalfinance
Policygenius → Free life insurance quotehttp://policygenius.com
Acorns → Start investing + get $5 bonushttp://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 PFPhttps://joindeleteme.com/PFP20/
Book/s:
Thinking, Fast and Slow - Daniel Kahneman https://kit.co/MasterMoney/high-performance-book-club/thinking-fast-and-s
The Million Next Door – Thomas J. Stanley https://kit.co/MasterMoney/best-personal-finance-books/the-millionaire-next
Rich Dad, Poor Dad - Robert T. Kiyosaki https://kit.co/MasterMoney/best-personal-finance-books/rich-dad-poor-dad
Watch Next
The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step) https://youtu.be/AEfhdlB9mcc
How to Invest in Real Estate (In ANY MARKET!) https://youtu.be/JDyHw5So_9Y
The Best Financial Strategies (BY INCOME!) https://youtu.be/YBhe6dtYU-Q
Why Health is Wealth with Justin David Carl https://youtu.be/s2XOzKSW7W0
How to Buy a Car And Not Get Screwed (in 2026!) https://youtu.be/II-PzXfYUdk
YouTube → https://www.youtube.com/@mastermoneyco/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step)
30/03/2026 | 43 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 breaks down exactly how to manage money as a couple and build wealth together, covering why you should never start with spreadsheets and always begin with the dream first, how to calculate the freedom number that makes work optional for both of you, why automating savings and investments removes money fights before they start, how defining personal freedom spending eliminates 90 percent of financial arguments, and why a simple monthly money meeting is all it takes to keep two people fully aligned on the path to financial independence.
Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!
Partner Deals
Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!
Resources:
Empower
Calculator.net
Dream Life Worksheet (For Couples)
Courses:
Automate Your Entire Money System in One Weekend
Connect With Andrew on Social Media:
Instagram
TikTok
Twitter
Master Money Website
Master Money Youtube Channel
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Biggest Retirement Mistakes People Make (Avoid These!) Jesse Cramer
28/03/2026 | 1h 4 mins.
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!
In this episode of The Personal Finance Podcast, Andrew sits down with Jesse to explore critical retirement planning decisions—why Social Security isn't just a math problem and the biggest mistakes people make when claiming, when delaying benefits makes sense versus when claiming earlier is smarter, how married couples should think differently than singles, why Roth conversions are both overused and underused, the danger of overly optimistic return assumptions like 12% or 10%, the number one thing retirees get wrong about their own spending, and the most important actions to take 5-10 years before retirement.
Listen to The Business Show here.
Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!
Partner Deals
Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!
Connect with Jesse Cramer:
Personal Finance For Long-Term Investors Podcast
The Best Interest Website
X
Instagram
Linkedin
Connect With Andrew on Social Media:
Instagram
TikTok
Twitter
Master Money Website
Master Money Youtube Channel
Learn more about your ad choices. Visit megaphone.fm/adchoices
How to Invest in Real Estate (In ANY MARKET) with Dave Meyer
25/03/2026 | 1h
Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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 Dave Meyer to break down exactly how to think about real estate investing in 2026, covering what the data actually says versus what headlines and social media are telling you, why most investors are choosing the wrong strategy for their life, the first three questions every investor should ask before buying anything, what a real deal looks like right now and which underwriting assumptions people keep getting wrong, why waiting on the sidelines for a crash is a strategy with its own serious risks, and when passive investing simply beats active investing for most people.
Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!
Partner Deals
Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!
Connect with Dave Meyer:
YouTube
Podcast
Website
IG
Bio
Dave Meyer’s Books:
Real Estate By The Numbers
The Real Estate Strategy Planner
Start with Strategy
Connect With Andrew on Social Media:
Instagram
TikTok
Twitter
Master Money Website
Master Money Youtube Channel
Learn more about your ad choices. Visit megaphone.fm/adchoices
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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