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 through the unique financial challenges each decade faces from student loans and low income to lifestyle creep and peak expenses, plus giving you actionable strategies to overcome these obstacles so you can catch up or stay on track and build enough wealth to retire comfortably.

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!
Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!
Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest!
Watch The Master Money Youtube Channel! ,
Ask Andrew a question on Instagram or TikTok
Learn how to get out of Debt by joining our Free Course
Leave Feedback or Episode Requests here.
Car buying Calculator here

Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast

DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp

Links Mentioned in This Episode:

Connect With Andrew on Social Media:

Free Guides:

Learn more about your ad choices. Visit megaphone.fm/adchoices

115 - Aristotle, Thiel Fellowship, and Human Greatness w/ Michael Gibson

Cost of Glory

Evaluating Character Over Test Scores

The AI-powered Podcast Player