The Personal Finance Podcast

Explore a decade-by-decade money plan designed to build wealth efficiently. Discover how to leverage time in your 20s, emphasizing the importance of automating finances and early investing. Learn to lock in savings rates in your 30s while maximizing tax-advantaged accounts. As you enter your 40s, focus on refining asset allocation and tracking your financial independence number. Finally, transition into the 50s by preserving wealth and planning for a purposeful retirement. Each stage is packed with actionable strategies for financial freedom!

Discover the secrets to achieving your financial goals with a clear plan! Learn how to define your 'why' and set SMART goals that actually work. Transform lofty ambitions into actionable steps with strategic micro-plans. Stay on track by using personalized scorecards and regular check-ins. Embrace the art of time blocking to organize your week effectively. Plus, find out how to reset your mindset when setbacks occur and take five swift actions to kickstart your journey to financial success!

Discover 26 transformative money strategies for 2026 that can reshape your financial future. Learn how to rebuild trust in your finances, set specific goals, and automate savings and investments. Dive into the 1-3-6 emergency fund method and discover tax diversification strategies. Explore techniques to negotiate raises that keep pace with inflation and build valuable skills for career advancement. Plus, create a security plan to protect your finances and enjoy guilt-free spending on what you love. Engage in regular money check-ins to stay on track!

Learn how to master your finances in just three months! Discover six transformative steps that include knowing your income clearly and calculating your burn rate. Understand the significance of your net worth as a financial scoreboard. Andrew explains how to manage debt wisely and introduces the freedom number using the 25x rule. Gain tips on automating your investments and bills, and the benefits of low-cost index funds. Finally, explore the importance of intentional spending on what really matters to you.

Jade Warshaw, an author and financial coach, shares her incredible journey of paying off $460,000 in debt and emphasizes the emotional factors that influence financial decisions. She discusses how feelings like fear, frustration, and shame can hinder progress. Jade provides insights on overcoming feelings of being stuck, the importance of self-forgiveness, and how hidden money beliefs can limit us. With practical strategies, she inspires listeners to embrace their financial journeys and transform their mindsets for lasting change.

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, revealing the data-backed mistakes sabotaging financial progress at every age. 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 Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.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/  Policy Genius:  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 Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Resources Mentioned Here is the Total Cost of Ownership Calculator Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Master Money Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

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 of real estate investing today, why entrepreneurship is the highest-upside wealth builder, plus rapid-fire insights on money beliefs to unlearn and common financial psychology traps. 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 Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.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/  Policy Genius:  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 Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore. DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Link of the Episode Mentioned:   7 Mindset Shifts to Master Your Money Psychology Connect with Paula Pant: Afford Anything Podcast Website https://affordanything.com/  Spotify https://open.spotify.com/show/5W8zGpHrklp57raNMnu9iP Apple Podcast https://podcasts.apple.com/us/podcast/afford-anything/id1079598542 Youtube https://www.youtube.com/affordanything Instagram https://www.instagram.com/paulapant Facebook https://www.facebook.com/AffordAnything/ X https://x.com/AffordAnything Pinterest https://www.pinterest.com/affordanything/ Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Master Money Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Justin David Carl, a personal finance and fitness creator, shares his incredible journey from $80,000 in debt to a $3.4 million net worth in just over two years. He discusses how he optimized his major expenses and dramatically boosted his income from $150K to $888K through strategic coaching. Justin emphasizes the importance of a high savings rate of 80-90% and how fitness discipline played a crucial role in achieving financial success. He also shares insights on getting a partner on board and shifting focus from financial numbers to enhancing overall life quality.

Discover why tracking your net worth is more crucial than budgeting alone. Learn how to conduct a net worth audit and identify financial red flags. Andrew shares a checklist for listing assets like cash and real estate, as well as liabilities, ensuring you avoid common pitfalls. Explore motivation and accountability tips tied to your net worth milestones. Plus, uncover seven high-impact strategies to quickly boost your financial standing. This is essential listening for anyone seeking financial freedom!

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 hidden costs of "barely getting by" retirement, and shares a practical gameplan if you're behind so you can aim higher than just survival. 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 Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at ⁠Indeed.com/personalfinance⁠ Get 50% Off Monarch, the all-in-one financial tool at ⁠www.monarch.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/⁠  DELL: Get a new Dell AI PC starting at $749.99, at ⁠Dell.com/ai-pc⁠. Policy Genius:  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 Wayfair: ⁠Shop outdoor furniture, grills, lawn games, and WAY more for WAY less⁠ DeleteMe: Go to⁠ https://joindeleteme.com/PFP20/⁠ and Use Promo Code PFP for 20% off! Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore.   Resources Mentioned ⁠The Total Cost of Ownership Calculator⁠ Links of the Episode Mentioned: ⁠The 1-3-6 Method For Building & Managing Your Emergency Fund ⁠ ⁠The Average Retirement Savings By AGE! (2025 Edition)⁠ 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