The Personal Finance Podcast

Everyone is chasing the shiny online business while a guy with a pickup truck quietly clears six figures organizing other people's junk. Here are five unglamorous businesses you can start on nights and weekends, with the real numbers behind each one.

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

What You'll Learn in This Episode

How to price a garage cleanout, and the quarterly maintenance offer that turns a one-time job into a subscription

The third income stream most cleanout crews leave on the table entirely

What it really costs to install a backyard sauna and cold plunge, and the spread you keep on every job

How to build a storage business on land you do not own, using a revenue split with the landowner

The math on one acre of storage spaces and why lake and coastal lots command 30 to 50% more

How to rent out a boat you already own so it pays for itself, and why selling the experience beats selling the boat

How to launch a virtual sleep consulting practice with no inventory, no location, and packages parents happily prepay for

The content and referral playbook Andrew would run for every single one of these businesses

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

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

Gelt - Get 10% off your first year by mentioning “Personal Finance Pod” on the intake form; the CTA is to book a free discovery call at joingelt.com

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

Resource/s

Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Episode/s Mentioned

5 Side-Hustles That Can Turn into a Full time Income! https://youtu.be/bEIzgYWLi1I

5 Side Hustles That Can Turn into a Full time Income! Part 2 https://youtu.be/10C4zt9w8NQ

5 Side Hustles That Can Turn into a Full Time Income! (Part 3) https://youtu.be/jEkKQZVYLSg

Watch Next

Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet https://youtu.be/daPVY9WCCAw

The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs

Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

Connect with Andrew

Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

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

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

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

Question for you:

Which one of these five would you actually start? Drop it in the comments, and if you have a side hustle you want Andrew to break down on a future episode, name it.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Healthcare costs have been climbing around 7% a year. Andrew sits down with Doc G (Dr. Jordan Grumet), hospice physician and author of The Healthcare Heist, to break down exactly how a routine ER visit turns into a five-figure bill and where every one of those dollars actually goes.

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

What You'll Learn in This Episode

Where your money actually goes on a routine ER visit, line by line

The billing trick hospitals use to make your visit look more complicated than it was

Why insurers quietly stopped fighting big hospital bills, and how that shows up in your premium

The reason your doctor orders tests they already know you do not need

How to audit a medical bill before you pay it, and the mistake that saved one listener $6,000

The HSA strategy that turns saved receipts into tax-free income years later

What to actually budget for health coverage if you retire before 65, plus three lower-cost alternatives most people never hear about

Why the long-term care bill you are afraid of is far less likely than you think, and how to fund it anyway

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

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

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 ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s

Andrew’s Favorite Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/lp/iras/lp/best-iras-master-money?pcuid=oe09b73d1952&jump_from_embed=true&wafid=

Book/s Mentioned

The Healthcare Heist by Jordan Grumet https://a.co/d/091yO9cW

The Purpose Code by Jordan Grumet https://a.co/d/0aQIAFvZ

Taking Stock by Jordan Grumet https://a.co/d/03cjorhk

Episode/s Mentioned

How to Figure Out How Much is ENOUGH with Jordan Grumet https://youtu.be/d7nZVBHBtCI

How to Find Your Purpose And Build A Life You Love With Jordan Grumet https://youtu.be/H0KUUmc3B30

How to Negotiate Your Bills (and SAVE 6-Figures!) https://youtu.be/bgIcmuK7FK8

Watch Next

The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs

Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Connect with Jordan

Website →⁠ https://jordangrumet.com/

X →⁠ https://x.com/earnaninvest

Facebook →⁠ https://www.facebook.com/earnandinvest

Books →⁠ https://jordangrumet.com/books

Podcast →⁠ https://www.earnandinvest.com/

Spotify →⁠ https://open.spotify.com/show/2CdpAR3sgltBBhDcpWRq0g

Newsletter →⁠ https://jordangrumet.substack.com

LinkedIn →⁠ https://www.linkedin.com/in/jordan-grumet-38a506179/

Connect with Andrew

Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

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

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

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

Question for you:

Have you ever caught a mistake on a medical bill or negotiated one down? Drop the number you saved in the comments.
Learn more about your ad choices. Visit megaphone.fm/adchoices

The average American spends over $900 a month on car payments for a depreciating asset. Here is how to stop and what to do with that money instead.

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

What You'll Learn in This Episode

Why paying cash for cars is not about being cheap but about buying your financial freedom back

The three specific methods Andrew uses to build up enough cash to never finance a car again

The 24/12/10 rule that protects you if you do have to finance and exactly what each number means

Why most people who say they will invest the difference never actually do and what happens to that money instead

How to build a mini portfolio that lets your assets pay for your vehicles instead of your paycheck

When it actually makes sense to keep fixing your current car instead of buying a new one

Q&A: Should a 27-year-old with $100K invested pay down student loans or keep investing?

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

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

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 ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s Mentioned

Andrew’s Favorite Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/lp/iras/lp/best-iras-master-money?pcuid=oe09b73d1952&jump_from_embed=true&wafid=

Index Fund and ETF Cheat Sheet https://mastermoneyresources.com/index-fund-cheatsheet

Tool/s Mentioned

Car Buying Calculator https://mastermoney.co/how-much-car-can-you-afford/

Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e

Book/s Mentioned

Rich Dad Poor Dad by Robert Kiyosaki

The CashFlow Quadrant by Robert Kiyosaki

Watch Next

Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) https://youtu.be/OobdeA8qYbA

Connect with Andrew

Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

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

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

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

Question for you:

Are you currently paying off a car loan? Drop it in the comments and tell us what method you are using.
Learn more about your ad choices. Visit megaphone.fm/adchoices

One episode packed with everything from debt payoff psychology to investing for a special needs child.

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

What You'll Learn in This Episode

Why the debt snowball beats the debt avalanche for most people and how to use psychology to actually stick with your payoff plan

How a 49-year-old with a paid-off house and $525K invested should think about paying off a car loan vs staying invested

The Solo 401k strategy every self-employed freelancer needs to know about and why it blows every other account out of the water

How a railroad worker with a special needs child should structure their accounts to protect benefits and leave the right legacy

How to shift from a scarcity mindset to an abundance mindset when your finances are actually doing well

The package delivery text scam costing Americans $470 million a year and exactly what to look for

How credit scores actually work and the two factors that make up 65% of your entire score

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

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

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 ⁠⁠⁠http://www.scribe.how/pfp⁠ ⁠

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

Resource/s Mentioned

Wallet Burst Coast FI Calculator: ⁠walletburst.com⁠

Episode/s Mentioned

Why Coast FIRE May Be The Perfect Strategy for You with Andy Hill ⁠https://mastermoney.co/the-personal-finance/why-coast-fire-may-be-the-perfect-strategy-for-you-with-andy-hill/⁠

How to Run the Numbers When You Buy a House! (Total Cost of Ownership!) ⁠https://youtu.be/80_EAuZYz7Y⁠

Watch Next

Are Trump Accounts Worth It? (And What's Actually Better) ⁠https://youtu.be/jJKCfTvTm0Q⁠

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) ⁠https://youtu.be/37zVUL0e2TE⁠

How Much More Expensive Has Life ACTUALLY Become Since 2020? ⁠https://youtu.be/_n8qUA3NsoI⁠

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) ⁠https://youtu.be/OobdeA8qYbA⁠

The Best and Worst Frugal Habits (Ranked!) ⁠https://youtu.be/_FKJfAjTi-I⁠

Connect with Andrew

Website →⁠ ⁠https://mastermoney.co⁠ ⁠

Instagram → ⁠⁠https://instagram.com/mastermoneyco⁠ ⁠

X → ⁠⁠https://x.com/mastermoneyco⁠ ⁠

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

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

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

Question for you:

What is the one area of your finances you feel like you finally have figured out and the one area you are still working on? Drop both in the comments below.
Learn more about your ad choices. Visit megaphone.fm/adchoices

The government just created a brand new account that hands your kid $1,000 in free money from birth. Here is everything you need to know before you miss the window.

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

What You'll Learn in This Episode

What Trump accounts actually are and why they work like a traditional IRA in a costume

Who qualifies for the $1,000 government seed and the $250 Dell gift and how to claim both

The $5,000 annual contribution limit and the business owner loophole most people do not know about

The tax catch that catches most parents off guard and how to plan around it

The Roth conversion window that could get your kids millions in completely tax-free retirement money

When a custodial Roth or 529 is actually the better move than a Trump account

The exact steps to open one today and what Andrew is personally doing for his own three kids

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

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

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 ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s Mentioned

Master Money Blueprint https://mastermoneyresources.com/master-your-money-blueprint

Watch Next

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) https://youtu.be/OobdeA8qYbA

The Best and Worst Frugal Habits (Ranked!) https://youtu.be/_FKJfAjTi-I

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s

Connect with Andrew

Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

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

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

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

Question for you:

What is your plan for building wealth for your kids right now? Drop it in the comments and tell us if Trump accounts could be part of that plan.
Learn more about your ad choices. Visit megaphone.fm/adchoices