Episodes

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 and his wife Irene dive into crazy Reddit AITA stories answering questions about wild money situations in relationships—from the boyfriend who demanded a luxury car after learning his girlfriend won lottery money, to the manipulative partner who won't pay back $700 he borrowed, the boyfriend who guilts h...

👉 Join Master Money Academy today! In this episode of The Personal Finance Podcast, Andrew talks withChris Hutchins—host of All The Hacks and one of the smartest people in the travel rewards world, to answer the burning question: Is travel hacking still worth it as credit card annual fees skyrocket and loyalty programs devalue points left and right, breaking down Chase versus Amex strategies, the rise of cashback alternatives, how to build a smart travel rewards plan for that dream trip yo...

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 continues with Part 2 of 21 Things to Do Before You Retire revealing 11 more critical milestones most people miss including building a healthcare plan to protect against rising medical costs, creating a 2-3 year cash buffer to survive market crashes, entering retirement debt-free for maximum flexibility,...

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 10 critical retirement milestones most people miss, from defining your dream retirement and hitting 25 times your annual expenses for financial independence, to creating a withdrawal strategy that makes your money last, building multiple income streams, maximizing Social Security benefits, s...

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 average retirement savings by age in 2025 using Fidelity's data from millions of 401(k) accounts—revealing how much people actually have saved in their 20s, 30s, 40s, and 50s compared to what they should have, showing that most Americans are falling short of retirement readiness, wal...

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Get all of Brian's Prompts from this episode here! In this episode of The Personal Finance Podcast, Andrew teams up with Brian Feroldi—making his fifth appearance on the show—to reveal how to use AI as your personal junior analyst to research and analyze stocks faster without replacing your judgment, showing you how to tackle massive 10-K filings b...

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 brings back Dustin Heiner for Part 2—a live coaching session where Dustin creates a personalized roadmap to help Andrew generate $10,000 per month in real estate cash flow over the next decade, starting with $250,000 to invest and reverse engineering the exact goal by comparing three rental strat...

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 25 terrifying financial statistics that expose why most Americans are struggling with money, from 78% living paycheck to paycheck and total U.S. debt hitting $18.39 trillion, to credit card balances exceeding retirement savings for millions, auto loans trapping people underwater, half of retirees...

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Watch this episode on Youtube. In this episode of the Personal Finance Podcast, we are going to talk to Dustin Heiner about how to achieve financial independence and replace your job with real estate investing—exploring what your life would look like if you never had to work another day for money, breaking down the simple math to work backwards ...

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 five powerful strategies that let you retire at 50 without losing money to penalties or surprise taxes—from building a taxable brokerage account that serves as your early retirement bridge, to unlocking a Roth IRA conversion ladder that creates tax-free income, using the Rule of 55 to acc...

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Watch this episode on ⁠Youtube⁠. In this episode of The Personal Finance Podcast, Andrew breaks down the seven types of income that separate people living paycheck-to-paycheck from those building real wealth—from earned income where you trade time for money, to royalty income that pays you forever without lifting a finger, showing you exactly how t...

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today! Watch this episode on ⁠Youtube⁠. In this episode of The Personal Finance Podcast, Andrew reveals 13 strategies the rich use to build wealth on autopilot—from the wealth gap formula that reverse engineers your path to freedom, to invisible multipliers that compound into six-figure advantages most people completely ignore. Here's what we're cov...

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 walks through the 10 practical steps that can flip your finances in 6-12 months. Here's what we're covering today: 🧭 Step 1: Get crystal-clear on your retirement goal using the 25× rule 🏦 Step 2: Automate your financial life with the 20-55-25 money system 🛟 Step 3: Build your safety net usi...

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In this episode of The Personal Finance Podcast, Andrew introduces the 401k Sprint strategy—a game-changing approach where you max out retirement contributions for just 5-10 years instead of grinding for 30-40 years straight, proving that a 25-year-old who contributes $23,500 annually for only 5 years can retire with over $2 million while someone starting at 60 can still add $430,000 in just 5 years using catch-up contributions. He breaks down the exact numbers for sprints starting in your 20s, ...

In this episode of The Personal Finance Podcast, Andrew answers 15 listener questions ranging from Solo Roth 401k strategies and crushing $117,000 in student loans to whether a 19-year-old should build credit and how to pass brokerage accounts to your kids without tax headaches. He covers retirement account drawdowns, traditional versus Roth decisions based on tax brackets, why high-fee mutual funds usually lose to ETFs, and whether you should sell when investments jump 15%—delivering straight a...

In this episode of the Personal Finance Podcast, we are going to do a Money Q&A about should you pay off debt or invest first. Today we are going to answer these questions: Question 1: Should I build my emergency fund to $20,000 first, or start paying down my mortgage and investing at the same time? Question 2: Is my bonus payoff plan the best option, or should I prioritize my 12% personal loan or Roth IRA contributions instead? Question 3: Should I use my $8,000 tax refund to max out my Rot...

In this episode of The Personal Finance Podcast, Andrew shatters the biggest lie about millionaires—that they're born rich or got lucky—by revealing that 80% built their wealth from scratch, with teachers, engineers, and regular folks who never earned six figures proving you don't need a trust fund to win with money. He exposes how real millionaires actually live: driving Hondas instead of BMWs, using coupons, and putting 17% of their income into boring index funds while everyone else chases get...

In this episode of The Personal Finance Podcast, Andrew exposes how credit card companies profit from keeping you trapped in 20-25% interest debt that can stretch a $10,000 balance into decades of payments, then reveals his tactical 6-step plan to eliminate that debt in under a year using balance transfer cards and finding just $875 monthly through expense cuts and side hustles. He breaks down why this isn't just about math but about reclaiming your peace of mind, your relationships, and hundred...

In this episode of The Personal Finance Podcast, Andrew reveals five side hustles that could replace your day job income with real businesses that solve actual problems: how a $75,000 roll-off dumpster setup can generate $300,000+ annually, why job site cleaning requires minimal investment but locks you into $50,000-$100,000 contracts with single contractors, how AI implementation consulting lets you charge $200-$500 per hour with zero startup costs, the profit potential of mobile fuel delivery ...

In this episode of The Personal Finance Podcast, Andrew delivers a comprehensive roadmap for mastering your money during your 30’s and 40’s when you're balancing peak earning years with major life responsibilities. He breaks down six essential strategies: maximizing income growth through smart salary negotiations and strategic job changes that can add hundreds of thousands to retirement, establishing solid financial foundations with proper emergency funds and debt management, accelerating retire...

In this episode of The Personal Finance Podcast, Drew Lee reveals how he walked away from his $92,000 engineering career at 29 after building a $300,000 net worth through automated index fund investing, then doubled his wealth to over $700,000 by age 35 while working at McDonald's and Frontier Airlines because these jobs brought him more happiness than corporate climbing. Drew breaks down his "coast FIRE" strategy that gave him freedom to prioritize time over income maximization, shares why he's...

In this episode of the Personal Finance Podcast, we are going to talk about the 7 biggest mistakes people make in retirement. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money...

In this episode of The Personal Finance Podcast, Andrew answers eight questions on tax strategies and retirement planning, covering when investment moves trigger taxes (depends on account type), tax loss harvesting for high earners, why the 75-80% retirement income rule uses pre-tax numbers but you should plan more conservatively, strategic Roth 401k timing in lower tax brackets, a TransUnion data breach affecting 4.4 million Americans, income thresholds where traditional 401ks beat Roth options...