PodcastsBusinessThe Personal Finance Podcast

The Personal Finance Podcast

Andrew Giancola
The Personal Finance Podcast
Latest episode

548 episodes

  • The Personal Finance Podcast

    How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home)

    2026/06/29 | 50 mins.
    Most people are either ahead or behind financially for their age and have no idea which one.

    Here are the real numbers by decade so you can find out right now.

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: ⁠⁠https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24⁠ ⁠

    What You'll Learn in This Episode

    The real median salary, net worth, credit score, and debt for every decade from your 20s through your 50s

    Why the median net worth numbers are low across every age group and what wealth builders do differently

    The one tip Andrew gives for salary, debt, net worth, credit, and home ownership in each decade

    What it takes to be in the top 10% and top 1% of net worth at every age

    Why your 40s are your highest earning years and the one mistake that wastes them

    When it is actually okay to loosen up and start spending more of your money

    Why a 19-year-old with $25K invested does not need to touch anything or overcomplicate it

    Start Here

    Join the community built to help you master your money, stay accountable, and reach financial freedom.

    👉 Try Master Money Academy FREE for 7 days today!

    ⁠⁠https://mastermoney.co/join/⁠⁠

    👉 Join Andrew’s FREE Investing for Beginners Masterclass⁠

    ⁠https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21⁠⁠

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!

    ⁠⁠https://expert-hustler-605.ck.page/6aa7bb9a79⁠⁠

    Partner Deals

    Indeed → Get a $75 sponsored job credit ⁠⁠http://Indeed.com/personalfinance⁠⁠

    Policygenius → Free life insurance quote ⁠⁠http://policygenius.com⁠⁠

    Chime → Get more rewarding fee-free banking at ⁠⁠https://www.chime.com/PFP⁠ ⁠

    Monarch Money → The all-in-one financial tool + Get 50% Off at ⁠⁠http://www.monarch.com/PFP⁠⁠

    Scribe → Sign up for a 30-day risk-free trial ⁠⁠scribe.how/pfp⁠

    Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT ⁠http://wayfair.com ⁠

    DeleteMe → 20% off with code PFP ⁠⁠https://joindeleteme.com/PFP20/⁠⁠

    Tool/s Mentioned

    Wealth Builder Matrix - ⁠⁠https://mastermoney.co/wealth-builders-matrix/⁠ ⁠

    Live Q&A Call Form - ⁠⁠https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform⁠ ⁠

    Episode/s Mentioned

    How to Build Your Investment Portfolio (The Portfolio Pyramid!) ⁠https://youtu.be/Vn-NXfFWtfU⁠

    Watch Next

    How to Retire in 10 Years or Less! ⁠https://youtu.be/nStwD03vJ64⁠

    The Hidden Cost of Playing It Safe with Your Money with Ben Carlson ⁠https://youtu.be/LG1Jr2xeuDo⁠

    The Patient Investor's Playbook with Noah Kerner - CEO of Acorns ⁠https://youtu.be/l5YZy2q_aVY⁠

    The Best Ages to Build Wealth (Ranked!) ⁠https://youtu.be/JIZ1WrS91v4⁠

    Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) ⁠https://youtu.be/e8r5h7RkOyo⁠

    Connect with Andrew

    Instagram → ⁠https://instagram.com/mastermoneyco⁠

    Website →⁠ https://mastermoney.co⁠

    TikTok → ⁠https://tiktok.com/@mastermoneyco⁠

    X → ⁠https://x.com/mastermoneyco⁠

    LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340⁠

    YouTube → ⁠https://www.youtube.com/@mastermoneyco/⁠

    Question for you:

    How do your finances compare to the median for your age right now? Drop your decade and the one area you are most focused on improving in the comments below.
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    How to Retire in 10 Years or Less!

    2026/06/24 | 59 mins.
    Every financial decision you make either moves your retirement closer or pushes it further away. Here is the exact math and plan to retire in 10 years or less. 

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid:   https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24 

    What You'll Learn in This Episode

    Why your savings rate is the single most important number if you want to retire early

    The exact savings rate you need to retire in 10 years and what happens at every percentage below it

    How to attack the big three expenses that are standing between you and financial freedom

    Where to invest your money when you want to access it before age 59 and a half

    A real case study of how Marcus and Priya retired at 39 on a combined $150K income

    Why Barista FIRE and Coast FIRE might be better options than you think

    The one thing most early retirees get wrong that leads to boredom and regret

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance


    Policygenius → Free life insurance quote http://policygenius.com


    Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP 


    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP


    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp  


    Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT  http://wayfair.com  


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Tool/s Mentioned

    The Retirement Calculator - https://expert-hustler-605.kit.com/e6b8d4f8a2 

    Book/s Mentioned

    Set for Life by Scott Trench

    Die With Zero by Bill Perkins

    Books on Sabbaticals Jillian Johnsrud

    Episode/s Mentioned

    Why Live-In-Flips May Be the Best Way to Invest in Real Estate with Carl and Mindy Jensen https://mastermoney.co/the-personal-finance/why-live-in-flips-may-be-the-best-way-to-invest-in-real-estate-with-carl-and-mindy-jensen/ 

    How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI 

    He Achieved Financial Independence in 2 Years! (Here's How!) With Justin David Carl https://youtu.be/DRHNfi3gBxk 

    This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA 

    How to Shave Off 7+ Working Years and Retire Early! https://youtu.be/9oZFn2lmZm4 

    Watch Next

    The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo 

    The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY 

    The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 

    Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo 

    Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0 

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    What is your current savings rate and how many years does the math say you have left until financial freedom? Drop your number in the comments and let the community help you figure out your next move. 
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    The Hidden Cost of Playing It Safe with Your Money with Ben Carlson

    2026/06/22 | 57 mins.
    The biggest investing mistake isn't losing money, it's never giving your money the chance to grow.

    Ben Carlson joins Andrew to reveal the hidden cost of playing it safe, why volatility isn't the enemy, and how investors quietly sabotage their long-term wealth without realizing it.

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid:   https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24 

    What You'll Learn in This Episode

    Why the biggest risk for most investors is actually being too conservative

    How market volatility creates long-term wealth opportunities

    The hidden cost of waiting for the "perfect" time to invest

    Why diversification is still one of the most powerful risk-management tools

    How to think about risk differently in your 30s, 40s, and 50s

    The investing mistake that can permanently damage your wealth-building journey

    Why investor behavior matters more than finding the perfect portfolio

    How to build a strategy you can actually stick with through market downturns

    Lessons from the Great Depression, the Dot-Com Bubble, and today's AI boom

    Why "good enough" is often better than chasing the perfect investment plan

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today !https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance


    Policygenius → Free life insurance quote http://policygenius.com


    Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP 


    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP


    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp  


    Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT  http://wayfair.com  


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Watch Next

    The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY 

    The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 

    Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo 

    Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0 

    This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA 

    Connect with Ben Carlson

    Website → https://awealthofcommonsense.com/about-2/

    LinkedIn → https://www.linkedin.com/in/ben-carlson-cfa-97661244

    X → https://x.com/awealthofcs

    Ritholtz → https://www.ritholtzwealth.com/team/ben-carlson-cfa/

    YouTube → https://www.youtube.com/⁨@TheCompoundNews 

    Apple Podcast → https://podcasts.apple.com/us/podcast/animal-spirits-podcast/id1310192007

    Book Risk and Reward⁩ → https://awealthofcommonsense.com/2026/05/my-new-book-risk-reward/

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    What do you think is the bigger investing mistake: taking too much risk or not taking enough risk? Let us know in the comments below.
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    The Patient Investor's Playbook with Noah Kerner - CEO of Acorns

    2026/06/17 | 48 mins.
    The CEO of Acorns says 96% of people who trade online lose money. Here is why slow and steady is still the only investing strategy that actually works. 

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid:   https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24 

    What You'll Learn in This Episode

    The eight disturbing fintech trends that are quietly working against your wealth

    Why an investing app with a prediction market is like a bank with a blackjack table

    How $5 a day invested consistently can make you a millionaire over time

    Why the best investor according to research is literally a dead one

    Why holding cash is not safe and what most people get dangerously wrong about it

    How Noah Kerner personally invests his own money and why it is boring on purpose

    The one decade Noah lost to being too conservative and what it cost him in real dollars

    Start Here 

    Join the community built to help you master your money, stay accountable, and reach financial freedom.  

    👉 Try Master Money Academy FREE for 7 days today!https://mastermoney.co/join/

    👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals


    Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance


    Policygenius → Free life insurance quote http://policygenius.com


    Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP 


    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP


    Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp  


    Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT  http://wayfair.com  


    DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Episode/s Mentioned

    Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo 

    This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA 

    Watch Next

    The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 

    Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo 

    Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0 

    This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA 

    The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM 

    Connect with Noah Kerner 

    Personal:

    LinkedIn: https://www.linkedin.com/in/noahkerner/ 

    Acorns

    Website: https://acorns.com

    LinkedIn: https://www.linkedin.com/company/acorns-grow-inc-/

    Connect with Andrew

    Instagram → https://instagram.com/mastermoneyco

    Website → https://mastermoney.co

    TikTok → https://tiktok.com/@mastermoneyco

    X → https://x.com/mastermoneyco

    LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

    YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:

    Are you investing the slow and steady way or have you been pulled into trading, prediction markets, or crypto? Drop your honest answer in the comments below.
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • The Personal Finance Podcast

    The Best Ages to Build Wealth (Ranked!)

    2026/06/15 | 48 mins.
    The decade you are in right now is either working for you or against you. Here is how every age stacks up for building wealth ranked from best to worst.

    👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

    What You'll Learn in This Episode

    - Why your 20s are S tier for wealth building and the six things that make or break this decade
    - The reason your 30s might be the most financially stressful decade you will ever live through
    - Why peak earnings and peak expenses often hit at the exact same time in your 40s
    - How catch-up contributions in your 50s can quietly make up for lost decades
    - The one Roth conversion window in your 60s that could save you six figures in lifetime taxes
    - Why Andrew ranks the 60s as D tier for building wealth and what to do if you are just getting started
    - The exact tier list ranking of every decade from your 20s through your 60s

    Start Here
    Join the community built to help you master your money, stay accountable, and reach financial freedom.

    👉 Try Master Money Academy FREE for 7 days today!
    https://mastermoney.co/join/
    👉 Join Andrew’s FREE Investing for Beginners Masterclass
    https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
    👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!
    https://expert-hustler-605.ck.page/6aa7bb9a79

    Partner Deals

    - Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance
    - Policygenius → Free life insurance quote http://policygenius.com
    - Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
    - Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
    - Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
    - Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
    - DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

    Book/s Mentioned

    - Die With Zero by Bill Perkins

    Episode/s Mentioned

    This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA 

    Watch Next

    Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo 

    Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0 

    This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA 

    The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM 

    He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif) https://youtu.be/rKuN2ZcUYWQ 

    Connect with Andrew

    - Instagram → https://instagram.com/mastermoneyco
    - Website → https://mastermoney.co
    - TikTok → https://tiktok.com/@mastermoneyco
    - X → https://x.com/mastermoneyco
    - LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340
    - YouTube → https://www.youtube.com/@mastermoneyco/

    Question for you:
    Are you in your best wealth building decade right now or did you let it slip by? Drop where you are and what you are doing about it in the comments.
    Learn more about your ad choices. Visit megaphone.fm/adchoices
More Business podcasts
About The Personal Finance Podcast
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.
Podcast website

Listen to The Personal Finance Podcast, Aspire with Emma Grede and many other podcasts from around the world with the radio.net app

Get the free radio.net app

  • Stations and podcasts to bookmark
  • Stream via Wi-Fi or Bluetooth
  • Supports Carplay & Android Auto
  • Many other app features
The Personal Finance Podcast: Podcasts in Family