The Personal Finance Podcast

Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew sits down with J.L. Collins to explore why simplicity beats complexity in investing, why low-cost index funds beat almost every alternative over a lifetime, how to define "enough" and align spending with happiness instead of status, the most important money lesson parents should teach kids today, what's harder between accumulating wealth or living off it, and what he'd emphasize even more now for people starting from zero with student debt and high housing costs. 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! Connect with J.L. Collins: Website Instagram X J.L Collin’s Book: A Simple Path To Wealth Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals 9 complete wastes of money destroying wealth, from student loans and fast food to luxury cars, designer clothing, sports betting, and high-priced diamonds. 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!   Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew sits down with Travis to explore income growth mindset and skills—revealing what triggers breakthrough moments, the most common sales mistakes entrepreneurs make and whether sales is learnable, the connection between relationships and earning potential, what makes someone memorable, plus rapid-fire insights on money habits and financial decisions that changed everything. 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!   Connect with Travis: Podcast Website Facebook Instagram Youtube Linkedin X Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals why your 30s are the hardest financial decade,higher income collides with childcare costs, lifestyle creep disguised as progress, and juggling too many goals at once, exposing the biggest money traps like becoming house poor and carrying high-interest debt, teaching core principles like automating before optimizing and protecting your downside first, plus the exact 10-step blueprint to survive and thrive including stabilizing cash flow, raising your savings rate to 20-25%, building your safety net, eliminating toxic debt, and growing income aggressively. 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!   Links of the Episode Mentioned: The Insane Cost Of Childcare and Ways to Help Reduce That Cost! 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 Car Insurance Money on Autopilot The Budget Spreadsheet Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop here! Get the Free Automate Your Money Checklist here! Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals the exact path to your first million, 79% of millionaires are self-made and 33% never earned six figures, teaching the 8-step system including automating investments, avoiding debt, maximizing retirement accounts, and using wealth accelerators like business ownership and real estate. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Join the loyalty program for renters at joinbilt.com/PFP  Go to http://policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp   Find your next dream home, start searching now. Download the 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 Build Wealth on a Low Salary How Long it Takes to Go From $100K to $1 Million Ebook: Get that Raise Book: The Millionaire Next Door Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Millionaire Next Door Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop here. Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals the exact 10-step retirement planning framework used by top financial planners, showing you how to define your dream retirement lifestyle instead of just guessing a number. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Join the loyalty program for renters at joinbilt.com/PFP  Go to http://policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp   Find your next dream home, start searching now. Download the 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 Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew welcomes back Andy Hill to explore life after reaching Coast FIRE, revealing how to balance enjoying today with preparing for tomorrow, build a spending plan that doesn't sabotage your future, overcome the habit of over-saving, navigate the emotional side of reaching Coast FIRE, and design a life around a 3-day workweek while owning your time. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Join the loyalty program for renters at joinbilt.com/PFP  Go to http://policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp   DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Connect with Andy:  Website  Marriage Kids and Money Podcast Facebook  Twitter Instagram  YouTube  Get Andy Hill’s Book HERE: Own Your Time Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals how to build multi-millionaire wealth on a low salary, sharing stories of janitors and secretaries who built $7-70 million fortunes through discipline, breaking down the step-by-step system including capturing employer match, eliminating debt, establishing a 20-30% savings rate, investing in index funds, and maintaining consistency over decades to reach $2-4 million on modest income. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Join the loyalty program for renters at joinbilt.com/PFP  Go to http://policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp   DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!   Resources Mentioned: Finally, Get That Raise Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop on January 14, 2026 here!   Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew sits down with Paula Pant to react to wild Reddit money stories and crazy financial situations. They break down the psychology, red flags, and money lessons hidden in each story, sharing their unfiltered reactions to some of the most absurd, entertaining, and eye-opening personal finance drama from the internet. 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 Join the loyalty program for renters at joinbilt.com/PFP  Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Get 50% Off Monarch, the all-in-one financial tool at www.monarch.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   DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Link of the Episode Mentioned:   7 Mindset Shifts to Master Your Money Psychology Connect with Paula Pant: Afford Anything Podcast Website https://affordanything.com/  Spotify https://open.spotify.com/show/5W8zGpHrklp57raNMnu9iP Apple Podcast https://podcasts.apple.com/us/podcast/afford-anything/id1079598542 Youtube https://www.youtube.com/affordanything Instagram https://www.instagram.com/paulapant Facebook https://www.facebook.com/AffordAnything/ X https://x.com/AffordAnything Pinterest https://www.pinterest.com/affordanything/ Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Master Money Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop on January 14, 2026 here!   Get the Free Guide to The Master Money Kids Wealth System here! Join the community built to help you master your money, stay accountable, and reach financial freedom.  👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals the exact system the top 1% use to raise wealthy kids—teaching them to earn through value creation, split money into four jars for spending, saving, investing, and giving, learn real investing by age, and run weekly family money meetings that build financially confident adults instead of entitled spenders. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Join the loyalty program for renters at joinbilt.com/PFP  Go to http://policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp   DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!   Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop on January 14, 2026 here!   Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals the exact money plan for every decade—your 20s are about building the floor by controlling cash flow and starting to invest, your 30s focus on building the engine with a high savings rate and maximizing tax-advantaged accounts, your 40s build the moat through tax strategy and defining your FI number, and your 50s transition to the exit by shifting from accumulation to financial independence. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Join the loyalty program for renters at joinbilt.com/PFP  Go to http://policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a $75 SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!   Resources Mentioned Get the free Automate Your Money checklist here  Download the Wealth Builders Matrix here Link of the Episode Mentioned: The 1-3-6 Method For Building & Managing Your Emergency Fund How to Automate Your Finances (Money on Autopilot!)  The Insane Cost Of Childcare and Ways to Help Reduce That Cost!  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop on January 14, 2026 here!   Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals the step-by-step plan to finally achieve your money goals, covering how to get clarity on your why, set SMART goals, create an actionable plan, keep score with a scorecard, plan your week with time blocking, and automate your finances to make discipline inevitable. 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 Go to http://acorns.com/pfp and start automating your investments and get a $5 bonus today! Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Join the loyalty program for renters at joinbilt.com/PFP  Go to policygenius.com to get your free life insurance quote. DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Link of the Episode Mentioned: How to Automate Your Finances (Money on Autopilot!)   Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the Free Master Your Money Workshop on January 14, 2026 here!   Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew shares 26 money moves to transform your finances this year—covering how to rebuild trust in your money, automate your finances, update your net worth, follow the 1-3-6 emergency fund method, increase investments, run a tax-diversification check, ask for a raise that beats inflation, build your skill stack, and create your financial protection plan. 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 Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  Policy Genius:  Go to policygenius.com to get your free life insurance quote. Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!   Resources Mentioned Get the Master Your Money Goals Here! Automate Your Money Checklist  Your Net Worth Audit Checklist Empower (PC)  Link of the Episodes Mentioned: The 1-3-6 Method For Building & Managing Your Emergency Fund Should I Pay Off Debt or Keep The Money Invested? - Money Q&A How to Automate Your Money - The Set it and Forget it System The Bucket Method For Managing Your Savings (Master Multiple Savings Goals) Book Mentioned: Giving It All Away…and Getting It All Back Again: The Way of Living Generously Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the Free Automate Your Money Checklist here. Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals how to transform your financial life in just three months by mastering six simple steps, knowing your core numbers like income, burn rate, and savings rate, optimizing housing costs, automating your investments and bills, investing in low-cost index funds, calculating your freedom number using the 25x rule, and spending intentionally on what you actually value. 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 Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  Policy Genius:  Go to policygenius.com to get your free life insurance quote. Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Resources Mentioned Your Net Worth Audit Checklist Here is the Total Cost of Ownership Calculator Link of the Episodes Mentioned: The 6 Numbers You Must Know to Build Wealth (The Financial Scorecard) Boost Your Savings Rate to 20%+ in 5 Easy Steps (Money Q&A) The Bucket Method For Managing Your Savings (Master Multiple Savings Goals) Why Index Funds Are King (Plus My Favorite Index Funds!)  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Personal Finance Podcast, Andrew sits down with Jade Warshaw to discuss her new book "What No One Tells You About Money," revealing how she paid off $460,000 in debt, why money is emotional not mathematical, and the hidden emotions like frustration, shame, fear, and envy that sabotage financial progress, plus the critical shift someone needs to make right now if they feel stuck or overwhelmed. Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! 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 Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc. Policy Genius:  Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore. DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!   Connect with Jade Warshaw: Instagram Books: What No One Tells You About Money Money’s Not a Math Problem  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew breaks down the seven worst money trends destroying wealth in every decade,from sports betting and Buy Now Pay Later debt in your 20s, to becoming house poor and delaying investing in your 30s, lifestyle inflation and ignoring tax planning in your 40s, and carrying debt into retirement in your 50s, revealing the data-backed mistakes sabotaging financial progress at every age. 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 Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  Policy Genius:  Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Resources Mentioned Here is the Total Cost of Ownership Calculator Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Master Money Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew sits down with Paula Pant to break down her Double-I FIIRE framework covering financial psychology, increasing income, investing, real estate, and entrepreneurship. They explore why mindset is the first domino, the most overlooked paths to higher income, which investing concepts matter most, the reality of real estate investing today, why entrepreneurship is the highest-upside wealth builder, plus rapid-fire insights on money beliefs to unlearn and common financial psychology traps. 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 Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  Policy Genius:  Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore. DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Link of the Episode Mentioned:   7 Mindset Shifts to Master Your Money Psychology Connect with Paula Pant: Afford Anything Podcast Website https://affordanything.com/  Spotify https://open.spotify.com/show/5W8zGpHrklp57raNMnu9iP Apple Podcast https://podcasts.apple.com/us/podcast/afford-anything/id1079598542 Youtube https://www.youtube.com/affordanything Instagram https://www.instagram.com/paulapant Facebook https://www.facebook.com/AffordAnything/ X https://x.com/AffordAnything Pinterest https://www.pinterest.com/affordanything/ Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Master Money Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew sits down with Justin David Carl to reveal how he went from $80,000 in debt to a $3.4 million net worth in just over two years. Justin shares how he optimized the big three expenses, grew his income from $150K to $888K per year, saved 80-90% of his income, got his wife on board with FI, and applies the same obsessive discipline to fitness, maintaining 8-10% body fat for over a decade and shifting from maximizing net worth to maximizing his "net life." Listen to The Business Show here. Partner Deals Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  Policy Genius:  Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Connect with Justin David Carl: Website Podcast Instagram Facebook Threads X FREE guide Fit Rich Life Coaching Savings Rate Money Tracker Fit Rich Life Coaching 4 Day Workout Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Learn more about your ad choices. Visit megaphone.fm/adchoices

Get Your Networth Audit Checklist here. Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew reveals why tracking your net worth is more powerful than budgeting and shows you exactly how to perform a net worth audit step-by-step. He breaks down what to include and exclude in your calculation, common mistakes people make, why tracking this one number automatically makes you better with money, and the seven high-leverage actions you can take over the next 12 months to grow your net worth faster than ever before. 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 Indeed.com/personalfinance Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/  DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc. Policy Genius:  Go to policygenius.com to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!   Resources Mentioned How to Automate Your Finances (Money on Autopilot!) The 1-3-6 Method For Building & Managing Your Emergency Fund 5 Side-Hustles That Can Turn into a Full time Income! 5 Side-Hustles That Can Turn into a Full time Income! (Part 2) 5 Side Hustles That Can Turn into a Full Time Income! (Part 3) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel The Master Money Newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join ⁠Master Money Academy⁠ today! In this episode of The Personal Finance Podcast, Andrew reveals how millions of Americans retire with far less than $1 million—the median retiree age 65-74 has only $200,000 saved and 40% live solely on Social Security. He breaks down how people make it work by relying on Social Security, paid-off homes, modest spending, and part-time work, exposes the hidden costs of "barely getting by" retirement, and shares a practical gameplan if you're behind so you can aim higher than just survival. 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 ⁠Indeed.com/personalfinance⁠ Get 50% Off Monarch, the all-in-one financial tool at ⁠www.monarch.com/PFP⁠ Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at ⁠chime.com/⁠  DELL: Get a new Dell AI PC starting at $749.99, at ⁠Dell.com/ai-pc⁠. Policy Genius:  Go to ⁠policygenius.com⁠ to get your free life insurance quote. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at ⁠shopify.com/pfp⁠ Wayfair: ⁠Shop outdoor furniture, grills, lawn games, and WAY more for WAY less⁠ DeleteMe: Go to⁠ https://joindeleteme.com/PFP20/⁠ and Use Promo Code PFP for 20% off! Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore.   Resources Mentioned ⁠The Total Cost of Ownership Calculator⁠ Links of the Episode Mentioned: ⁠The 1-3-6 Method For Building & Managing Your Emergency Fund ⁠ ⁠The Average Retirement Savings By AGE! (2025 Edition)⁠ Connect With Andrew on Social Media: ⁠Instagram⁠ ⁠TikTok⁠ ⁠Twitter⁠ ⁠Master Money Website⁠ ⁠Master Money Youtube Channel⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices