The Personal Finance Podcast

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In this episode of The Personal Finance Podcast, Andrew sits down with Robert Farrington to break down everything you need to know about the sweeping federal student loan changes taking effect July 1, 2026, covering the shift to just two repayment plan options for new borrowers, the elimination of SAVE, PAYE, and ICR, the deadlines existing borrowers need to watch before 2028, tighter annual and lifetime borrowing limits, the end of Grad PLUS and Parent PLUS loans as we know them, how enrollment status now affects what you can borrow, where to start when searching for student aid, and whether in-state school is still the smartest financial move for new students.

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In this episode of The Personal Finance Podcast, Andrew breaks down the 10 tax moves every high earner needs to make before year-end, covering how to max out tax-advantaged accounts, adjust your W-4 withholding, harvest tax losses, time Roth conversions, optimize your HSA, give to charity more efficiently, capture business deductions, and run a forward-looking tax projection so you stop reacting to taxes and start controlling them.

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Partner Deals

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Join the loyalty program for renters at joinbilt.com/PFP 

Go to http://policygenius.com to get your free life insurance quote.

Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp  

Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP 

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Resources Mentioned:

Master Money HSA Tracker 

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In this episode of The Personal Finance Podcast, Andrew reveals the exact financial priorities for every decade of your life, breaking down why most people ask the wrong money question, showing why your 20s are about building cash flow and killing toxic debt, explaining how your 30s are the decade to automate systems and lock in a high savings rate, detailing how your 40s are your highest-leverage years to maximize accumulation and contain lifestyle creep, and walking through how your 50s are about protecting what you built, de-risking intelligently, and turning decades of hard work into lasting financial freedom.

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Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance

Join the loyalty program for renters at joinbilt.com/PFP 

Go to http://policygenius.com to get your free life insurance quote.

Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp  

Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP 

Find your next dream home, start searching now. Download the http://Realtor.com app today

DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Links of the Episode Mentioned:

The 1-3-6 Method For Building & Managing Your Emergency Fund

How to Negotiate Your Salary and Get a Raise (The Step-By-Step System!)

Resources Mentioned:

Best High Yield Savings Account: https://bit.ly/3HpPjAr 

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In this episode of The Personal Finance Podcast, Andrew reveals why $100K isn't what it used to be—breaking down why people feel broke as housing, childcare, and healthcare rise faster than wages, showing real household budget examples, explaining why location dramatically changes purchasing power, addressing the comparison trap and fear of falling behind, offering hope through margin and systems, teaching how to protect your financial life from identity theft, identifying areas to cut back by focusing on big levers, and revealing high-leverage ways to grow income.

Listen to The Business Show here.

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Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance

Join the loyalty program for renters at joinbilt.com/PFP 

Go to http://policygenius.com to get your free life insurance quote.

Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp  

Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP 

Find your next dream home, start searching now. Download the http://Realtor.com app today

DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

 

Links of the Episode Mentioned:

How to Open an HSA (and Why You Should Consider it!) - Money Q&A

The EXACT Steps You Need to Take To Research and Choose Your 401(K) Investments

Resources Mentioned:

Here is the Total Cost of Ownership Calculator

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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!

In this episode of The Personal Finance Podcast, Andrew sits down with Jesse to explore critical retirement planning decisions—why Social Security isn't just a math problem and the biggest mistakes people make when claiming, when delaying benefits makes sense versus when claiming earlier is smarter, how married couples should think differently than singles, why Roth conversions are both overused and underused, the danger of overly optimistic return assumptions like 12% or 10%, the number one thing retirees get wrong about their own spending, and the most important actions to take 5-10 years before retirement.

Listen to The Business Show here.

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

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance

Join the loyalty program for renters at joinbilt.com/PFP 

Go to http://policygenius.com to get your free life insurance quote.

Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp  

Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP 

Find your next dream home, start searching now. Download the http://Realtor.com app today

DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

 

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Personal Finance For Long-Term Investors Podcast

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