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
5 snips
Nov 17, 2025 • 1h 2min
Why Travel Rewards Might Not Be Worth It Anymore With Chris Hutchins
In this insightful discussion, Chris Hutchins, a travel rewards expert and host of the All The Hacks newsletter, dives into the evolving landscape of travel hacking. He debates whether the skyrocketing annual fees and devalued loyalty programs still make travel hacking worthwhile. Chris explores the pros and cons of Chase vs. Amex, highlights the growing appeal of cashback alternatives, and shares advanced strategies for maximizing rewards. Expect hilarious travel mishaps and invaluable tips for making the most of your points—perfect for dream trips!
Nov 12, 2025 • 42min
21 Things to Do Before You Retire (Part 2)
Discover critical retirement strategies you might be missing! Learn how to build a healthcare plan to combat rising costs and effectively cover the pre-Medicare gap. Find out why creating a cash buffer is essential for financial security during market downturns. Explore the benefits of entering retirement debt-free and maximizing your HSA for tax advantages. Delve into estate planning to protect your legacy and how to prepare for inflation impacts. Plus, consider a phased retirement strategy for ultimate control!
10 snips
Nov 10, 2025 • 48min
21 Things to Do Before You Retire (Are You On Track?!)
Explore essential retirement milestones to ensure you're on track! Learn how to define your dream retirement vision and estimate your retirement number using the 25x rule. Discover various strategies for withdrawing funds, maximizing your Social Security benefits, and diversifying income streams. Plus, find out how catch-up contributions and Roth conversions can significantly enhance your savings. Finally, protect your wealth from scams while gaining total control over your financial future!
Nov 5, 2025 • 41min
The Average Retirement Savings By AGE! (2025 Edition)
Explore the average retirement savings by age in 2025, revealing alarming shortfalls among Americans. Discover specific challenges faced in your 20s through 50s, from student loans to lifestyle creep. Learn actionable strategies for each decade to boost savings, such as maximizing employer matches and automating contributions. Gain insights on accelerating savings in your 40s and navigating the financial pressures of the 50s. Plus, uncover crucial tactics for creating a detailed retirement plan to ensure financial security.
4 snips
Nov 3, 2025 • 45min
How to Use AI to Research Stocks (With Brian Feroldi)
Brian Feroldi, a long-term investor and educator, shares insights on using AI as a junior analyst to enhance stock research. He explains how AI efficiently processes large documents like 10-K filings and helps structure analysis. Listeners learn about breaking down research into modular prompts and the importance of maintaining personal judgment. Brian provides live demos analyzing companies like IREN and Apple, demonstrating the practical application of tailored prompts for trustworthy financial insights.
10 snips
Oct 29, 2025 • 41min
How to Get to $10K a Month in Cashflow With Dustin Heiner
In a lively coaching session, Dustin Heiner, a real estate investor and coach, guides Andrew on a roadmap to achieve $10K a month in cash flow. They explore various rental strategies, including midterm rentals for stability and short-term rentals for higher income. Dustin also shares insights on out-of-state investing, the importance of property managers, and creative financing options. With specific goals set, they discuss how to scale investments systematically and leverage local markets for success.
Oct 27, 2025 • 45min
25 Scary Money Stats You Need to Know! (2025 Edition)
Discover alarming statistics revealing financial struggles: 78% of Americans live paycheck to paycheck and credit card debt surpasses retirement savings. Andrew shares strategies for building emergency savings and tackling high-interest debt. Learn about the emotional toll of financial insecurity, retirement fears, and the risks of buy now, pay later schemes. With insights on combating scams and improving financial literacy, this discussion empowers listeners to take control of their financial futures.
9 snips
Oct 22, 2025 • 51min
How to Achieve Financial Independence Using Real Estate With Dustin Heiner
Dustin Heiner, a successful real estate investor and educator, shares his journey to financial independence after quitting his job in 2016. He discusses how owning rental properties allows for consistent cash flow and resilience against job loss. Dustin emphasizes the importance of building a business before investing and explains why focusing on cash flow is crucial. He provides actionable steps for starting in real estate, including sourcing deals and calculating true cash flow, while encouraging listeners to reverse-engineer their freedom number.
17 snips
Oct 20, 2025 • 46min
Retire at 50..Without Paying a Dime in Penalties or Taxes
Explore how to retire at 50 without penalties or unexpected taxes. Learn to utilize a taxable brokerage account for quick access to funds. Discover the Roth conversion ladder for tax-free income and the Rule of 55 for early 401(k) withdrawals. Understand the SEPP method for steady payments and the hidden benefits of Roth contributions and HSAs. Andrew reveals strategies to layer these accounts, ensuring you have a solid, tax-efficient retirement plan that aligns with your goals!
14 snips
Oct 15, 2025 • 34min
7 Types of Income (And How to Use Them to Your Advantage!)
Discover the seven different income types that can transform your financial landscape. Learn how earned income acts as your starting point, while profit income leverages business ownership for growth. Explore interest and dividend income, which make your money work while you sleep. Uncover the potential of rental income and capital gains in building wealth through assets. Finally, delve into royalty income, offering endless possibilities by monetizing your ideas. This episode is your guide to moving beyond a paycheck!
