Should I Chase a Higher Savings Rate? Can We Semi-Retire in Our 40s? How Do We Rebuild After Bankruptcy? (Money Q&A)
2026/07/08 | 1h 4 mins.
One episode that covers everything from bankruptcy recovery to retiring in your 40s.
👉 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
Whether rate chasing your high-yield savings account is actually worth the time and the math behind it
The exact steps to rebuild your finances and your credit after filing for bankruptcy
How to find a CPA who earns more than they cost and the questions to ask before hiring one
When a financial advisor actually makes sense and when you are better off without one
Why a 32-year-old with $900K in net worth should be thinking about a taxable brokerage account instead of maxing retirement accounts
Three new scams targeting everyday people right now including QR code fraud and fake finance apps
Why SGOV might be a smarter place to park short-term cash than your high-yield savings account
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 Masterclasshttps://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/
Tool/s Mentioned
Automate Your Entire Money System in One Weekend https://courses.mastermoney.co/automate-your-money-checklist
How To Find The Right CPA: Questions To Ask https://expert-hustler-605.kit.com/7476361316
Book/s Mentioned
Brandon Turner Books (BiggerPockets Publishing):
The Book on Investing in Real Estate with No (and Low) Money Down
The Book on Managing Rental Properties
The Book on Rental Property Investing
Robert Kiyosaki Books (Mindset):
Rich Dad Poor Dad
The CashFlow Quadrant
Single-Family Focus:
Building Wealth One House at a Time by John Schaub
Motivational/Foundational:
The Millionaire Real Estate Investor by Gary Keller
Apartments/Multifamily:
Ken McElroy's books on apartment investing (published by Kiyosaki's company)
Numbers/Analysis:
What Every Real Estate Investor Needs to Know About Cash Flow by Frank Gallinelli
Creative Financing:
Pace Morby's book on creative financing (published by BiggerPockets)
Episode/s Mentioned
The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw
How to Automate Your Finances (Money on Autopilot!) https://youtu.be/Fenu_LtdmZU
How to Access Your Retirement Accounts EARLY (Roth IRA Conversion Ladder for the FIRE Movement) https://youtu.be/ut8rDIJ1kSI
The Financial Freedom “Stack” ANYONE Can Use to Retire Early (BiggerPockets) https://youtu.be/ElRrBDz7e1U?si=62baruuyFgdIJdeb
Watch Next
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
How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk
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
If you could ask Andrew one money question live on the show right now, what would it be? Drop it in the comments and join the Master Money newsletter to make it happen. Learn more about your ad choices. Visit megaphone.fm/adchoices
The Best and Worst Frugal Habits (Ranked!)
2026/07/06 | 57 mins.
Most people think being frugal means cutting every expense. The truth is, some frugal habits build wealth while others actually keep you poor.
👉 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
The difference between being frugal and simply being cheap
Which everyday habits actually move the needle on your net worth
Why your time is often worth more than saving a few dollars
The highest ROI frugal habits that can save you thousands every year
How to spend more on the things you truly value while cutting back elsewhere
Which "money-saving" habits are secretly wasting your time and energy
Andrew's S-Tier, A-Tier, B-Tier, C-Tier, D-Tier, and F-Tier rankings for 27 popular frugal habits
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/
Car Insurance Comparison https://secure.money.com/pr/gc43ce394da5
Book/s Mentioned
Early Retirement Extreme
Think and Grow Rich by Napoleon Hill
Episode/s Mentioned
How to Negotiate Your Bills (and SAVE 6-Figures!) https://youtu.be/bgIcmuK7FK8
Why You Should Negotiate Every Bill With Nicole Lapin https://mastermoney.co/the-personal-finance/why-you-should-negotiate-every-bill-with-nicole-lapin/
How to Negotiate Your Rent Like A Pro (and win the negotiation!) https://mastermoney.co/the-personal-finance/how-to-negotiate-your-rent-like-a-pro-and-win-the-negotiation/
Watch Next
She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s
How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk
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
Which frugal habit has made the biggest difference in your finances and which one do you think is a complete waste of time? Learn more about your ad choices. Visit megaphone.fm/adchoices
She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman)
2026/07/01 | 44 mins.
Two life-altering losses in one week. One record-breaking fiscal year. Here is what she did differently while everything else was falling apart.
👉 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
The seven pillars of abundance and why financial success collapses when the others are ignored
Why high achievers who look successful are often secretly burned out and broke in ways that never show up on paper
The real reason most side hustles never turn into meaningful income
How to know when you have enough financial security to leave your job for your side hustle
Why coming from contribution instead of desperation completely changes your business outcomes
The mindset shift that helped Rebecca build her best fiscal year ever the same week she lost her father and finalized her divorce
What the personal finance world gets wrong about budgeting and why it backfires for most people
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
Have you ever chased money thinking it would fix everything else in your life? Drop what happened and what you learned in the comments below. Learn more about your ad choices. Visit megaphone.fm/adchoices
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
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
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
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
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.
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