The Personal Finance Podcast
Andrew Giancola
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.
Episodes
Mentioned books
Oct 1, 2025 • 37min
Which Accounts Should I Draw From In Retirement? (Rapid Fire Q&A)
Get ready for a fast-paced Q&A with hot topics that matter! Learn the smart order to draw from various retirement accounts. Find out why maxing a Solo Roth 401(k) might be your best bet. Discover strategies for tackling $117,000 in student loans with automation and discipline. Plus, gain insights on the pros and cons of high-fee mutual funds versus low-fee ETFs. Should a 19-year-old start building credit? Andrew has the answer! And don't miss his tips on passing a brokerage account to your kids without tax headaches.
6 snips
Sep 29, 2025 • 38min
Should You Pay Off Debt or Invest First? The Answer Might Surprise You (Money Q&A)
Dive into a lively discussion on whether to tackle debt or invest first! Learn the best strategies for managing an emergency fund and using bonuses wisely. Discover how to allocate your tax refund effectively and explore essential resources for getting started in real estate investing. Plus, weigh the pros and cons of selling your home versus keeping it as a rental to optimize your finances. Tune in for transformative advice and tips that can reshape your money journey!
17 snips
Sep 24, 2025 • 38min
The 80/20 Millionaire: The Few Habits That Create Most Millionaires
Unlock the secrets of wealth building! Discover how 80% of millionaires are self-made, debunking the myth of inherited riches. Learn the surprising habits they share, like driving Hondas and investing in low-cost index funds. Explore the essential financial levers, from saving and debt management to choosing the right investments. Find out why patience and consistent contributions matter, and uncover practical saving habits to adopt. This insightful talk reveals that building wealth is about simplicity and discipline, not luck!
8 snips
Sep 22, 2025 • 32min
How to Pay Off $10,000 in Credit Card Debt in Less Than 1 Year
Discover how credit card companies keep you trapped in high-interest debt and learn a tactical 6-step plan to pay off $10,000 in less than a year. From finding a 0% APR balance-transfer card to cutting expenses by just $875 a month, Andrew shares actionable strategies. He emphasizes the mental and financial benefits of being debt-free, enhancing your cash flow and future investments. Tune in for real solutions that bring peace of mind and reclaim your financial freedom!
Sep 17, 2025 • 41min
5 Side Hustles That Can Turn into a Full Time Income! (Part 3)
Discover five lucrative side hustles that could replace your day job income. Learn how a dumpster rental business can net $300,000 annually with minimal setup. Dive into job site cleaning for consistent contracts worth $50,000-$100,000. Explore high-paying AI consulting gigs with no startup costs and mobile fuel delivery options for fleets. Finally, uncover the mattress-selling model that boasts $400 profits in just 20 minutes, showing how strategically cutting retail overhead can lead to success.
Sep 15, 2025 • 49min
6 Ways to Master Money in Your 30s (and 40's!)
Explore six key strategies for mastering money in your 30s and 40s. Learn how to maximize your income through savvy career moves and salary negotiations. Discover the importance of building an emergency fund and managing debt effectively. Get tips on accelerating retirement savings and leveraging tax-advantaged accounts. Discuss managing major expenses like childcare and aging parent care. Understand how to protect your wealth with insurance and estate planning, while avoiding lifestyle inflation.
9 snips
Sep 10, 2025 • 54min
The 7 Biggest Mistakes People Make in Retirement (And How to Avoid them!)
Dive into the key pitfalls that can derail a happy retirement. Discover the perils of overspending early in retirement and why the 4% withdrawal rule is essential. Explore the importance of strategic planning to combat rising healthcare costs and ensure your portfolio remains balanced. Learn smart credit management tips and the significance of tax planning to avoid unexpected liabilities. This insightful discussion provides actionable strategies to secure a financially stable and enjoyable retirement.
10 snips
Sep 8, 2025 • 40min
Should You Stop Using a Roth 401(k) After a Certain Income? (Money Q&A)
This discussion dives into whether high earners should reconsider their Roth 401(k) contributions. Andrew offers insights on tax-loss harvesting strategies, tax implications for various retirement accounts, and the critical 75-80% income rule for retirement. He also highlights factors affecting the choice between traditional and Roth accounts. Additionally, there are tips on saving for children's future expenses and smart ways to manage emergency funds as interest rates change. The impact of a recent TransUnion data breach adds an essential layer to planning for retirement.
13 snips
Sep 3, 2025 • 1h 14min
Money Expert: Why You Should Give Before You’re Rich (With Derrick Kinney)
Derrick Kinney, a money expert, emphasizes the power of generosity in creating wealth. He shares how a business owner boosted sales by connecting profits to charity. Kinney discusses his 'Good Money Framework' that aligns financial goals with philanthropy. He introduces a 30-minute daily income strategy that can lead to significant salary increases by focusing on value creation. Additionally, he tackles the communication crisis among teens, offering strategies to help them connect with adults and unlock opportunities.
33 snips
Sep 1, 2025 • 46min
The Wealth Flywheel: How to Systematically Grow Your Income (Fast!)
Discover the power of the Wealth Flywheel system to exponentially grow your income! Explore how cash flow from real estate, subscription businesses, and dividends can create self-sustaining wealth. Learn about the five phases every flywheel goes through and get an 8-step blueprint to calculate your financial independence number. Dive into leveraging loans for franchises and the benefits of holding companies for managing diverse investments. With strategic planning, you can stack multiple flywheels to achieve financial freedom!
