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
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.
15 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!
15 snips
Aug 27, 2025 • 38min
This One Move Could Save You Thousands on an 11% Loan (Money Q&A)
Discover strategies to save thousands on an 11% loan by rethinking your payment approach. Learn how to turn a truck stipend into a no-cost vehicle every few years. College students get insights on prioritizing a Roth IRA while managing school expenses. Explore effective debt management techniques and the importance of establishing an emergency fund for greater financial stability. Plus, find out how to maximize your retirement contributions while safeguarding your personal data from scams.
13 snips
Aug 25, 2025 • 35min
12 Reasons to Never Retire (Even When You Have Enough Money)
Discover why retirement doesn't have to mean stopping work! Working longer can enhance your health and happiness, reducing risks of cognitive decline and social isolation. Learn how part-time jobs and new opportunities keep you financially secure and socially engaged. Embrace continuous learning and skill enhancement to adapt to change as you age. Reflect on the importance of purpose and community, making retirement a phase of growth and contribution rather than an end. It’s time to rethink what it means to retire!
Aug 20, 2025 • 38min
Student Loans Just Changed... Here’s How to Pay Them Off Faster (This Year!)
Learn about the impending changes to student loans and how they could impact your finances. Discover a 12-step plan for faster repayment, including a biweekly payment hack that could save you over $1,000 in interest. Get tips on negotiating lower rates and explore tax-free assistance options from employers. Understand the resurfacing wage garnishments and the significance of navigating new repayment policies. Plus, hear effective strategies for student loan management, side hustles, and tracking your progress toward financial freedom.
23 snips
Aug 18, 2025 • 49min
How the Wealthy Use HELOCs to Build Wealth and Protect Their Cash (Should You Have One?)
Discover the ins and outs of Home Equity Lines of Credit (HELOCs) and how they can enhance your wealth-building strategy. The discussion contrasts HELOCs with traditional mortgages and unveils the complexities of the 'velocity banking' method, revealing its limited benefits. Listeners learn practical tips for smart application and disciplined repayment to avoid common pitfalls. The episode emphasizes prioritizing financial goals for true freedom over mere mortgage obligations while equipping you with best practices for effective HELOC management.
13 snips
Aug 13, 2025 • 30min
How to Get Rich Buying Boring Businesses with Codie Sanchez (PFP Vault)
Codie Sanchez, the founder of Contrarian Thinking and owner of 26 diverse businesses, shares her expertise on wealth creation through unglamorous ventures. Discover how to thrive with laundromats, car washes, and vending machines. Codie emphasizes the importance of education before investing and innovative ways to boost cash flow. Learn about financing options like seller financing, effective business management, and how to source profitable opportunities from retiring baby boomers. Get ready to shift your mindset and explore the world of passive income!
18 snips
Aug 11, 2025 • 47min
17 Brutal Lessons To Get Filthy Rich
Explore the harsh realities of wealth-building, where saving alone won't cut it. Discover how 94% of millionaires live below their means and the impact of missing just 20 market days on your returns. Learn why hard work needs assets, not just income, and how lifestyle inflation can hinder even high earners. Uncover the importance of calculated risks, multiple income streams, and personal accountability for achieving financial independence while navigating market turbulence with a contrarian mindset.
