Episodios

  • The 80/20 Millionaire: The Few Habits That Create Most Millionaires

    The 80/20 Millionaire: The Few Habits That Create Most Millionaires
    Sep 24 2025
    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-rich-quick schemes that keep them broke. This episode cuts through all the financial noise to show you the four simple habits that create 80% of millionaire results, proving that building wealth isn't about being smart or lucky—it's about doing a few basic things consistently while everyone else gets distracted by shiny objects. Get The 80/20 Millionaire Guide Here. 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode: A Masterclass on Investing in Individual Stocks with Brian Feroldi Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    38 m
  • How to Pay Off $10,000 in Credit Card Debt in Less Than 1 Year

    How to Pay Off $10,000 in Credit Card Debt in Less Than 1 Year
    Sep 22 2025
    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 hundreds of monthly dollars that can finally build wealth instead of enriching credit card executives. This episode delivers the exact roadmap to break free from the financial stress that's stealing your sleep and your future, with real strategies you can implement immediately. 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Relevant Episodes: 10 Rules For Using and Maximizing Credit Cards! How to Master Credit Cards (and Beat The Banks!) How to Choose The Best Credit Card (Plus The Exact Credit Cards I Use!) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    32 m
  • 5 Side Hustles That Can Turn into a Full Time Income! (Part 3)

    5 Side Hustles That Can Turn into a Full Time Income! (Part 3)
    Sep 17 2025
    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 to fleets and marinas, and how selling mattresses by appointment nets $400 profit per 20-minute meeting by cutting out retail overhead. Each includes real startup costs, profit margins, and scaling strategies that could transform your financial future. 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode: 5 Side-Hustles That Can Turn into a Full time Income! 5 Side-Hustles That Can Turn into a Full time Income! (Part 2) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    41 m
  • 6 Ways to Master Money in Your 30s (and 40's!)

    6 Ways to Master Money in Your 30s (and 40's!)
    Sep 15 2025
    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 retirement savings by fully utilizing tax-advantaged accounts, navigating major expenses like expensive childcare and aging parent care, protecting your wealth through insurance and estate planning, and creating lifestyle guardrails to prevent income increases from disappearing into lifestyle inflation. This episode provides actionable steps to ensure these crucial decades become the foundation for a secure retirement rather than years lost to financial stress and missed opportunities. 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode: 7 Side Hustles That Can Turn Into a Full Time Business The Wealth Flywheel: How to Systematically Grow Your Income (Fast!) The 1-3-6 Method For Building & Managing Your Emergency Fund The Insane Cost Of Childcare and Ways to Help Reduce That Cost! How to Invest More Outside of Retirement Accounts, 529 Strategies, & Dividend Growth - Money Q&A Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    49 m
  • The 7 Biggest Mistakes People Make in Retirement (And How to Avoid them!)

    The 7 Biggest Mistakes People Make in Retirement (And How to Avoid them!)
    Sep 10 2025
    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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode: 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 1 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 2 How I Break Down Index Funds for My Portfolio How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco, and More! With Katie Gatti (From Money With Katie!) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    54 m
  • Should You Stop Using a Roth 401(k) After a Certain Income? (Money Q&A)

    Should You Stop Using a Roth 401(k) After a Certain Income? (Money Q&A)
    Sep 8 2025
    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 (24-30% marginal rates), saving for kids' expenses using the five-year investment rule, emergency fund storage as rates drop, and comprehensive pension planning beyond just relying on guaranteed payments. Today we are going to answer these questions: Do you get taxed when moving money from one investment to another inside the same account? How does tax-loss harvesting work? Most retirement rules I’ve seen state that you want 75 to 80% of your pre-retirement income. Is that before or after taxes? Should you max out a Roth 401(k) in the first quarter of the year because of the lower marginal tax rate? At what annual income should someone avoid a Roth 401(k) and do traditional for tax purposes? Putting money away for kids’ wedding, cars, etc.—for when they get older. HYSA or brokerage? What are the best high-yield ways to store an emergency fund? How to plan for retirement with a pension? 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode:  tax loss harvesting, Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    40 m
  • Money Expert: Why You Should Give Before You’re Rich (With Derrick Kinney)

    Money Expert: Why You Should Give Before You’re Rich (With Derrick Kinney)
    Sep 3 2025
    In today's episode of The Personal Finance Podcast, we will talk to Derrick Kinney about Money Expert Why You Should Give Before You’re Rich . He reveals why starting with generosity unlocks exponential wealth growth, sharing how a burned-out manufacturing owner increased sales 20% in three months by connecting his business to funding an overseas schoolhouse. Kenny breaks down his "Good Money Framework" that flips traditional financial advice by using purpose as motivation, explains why Harvard research shows spending even $5 on others creates measurable brain satisfaction that spending on yourself can't match, and provides his 30-minute daily income strategy that helped clients earn $25,000+ raises by focusing on company value creation rather than begging for standard cost-of-living increases. Plus, Kinney introduces his Simple Teen Success program addressing the communication crisis where 80% of teens avoid talking to adults, sharing proven scripts for engaging adults at Target encounters and sporting events that unlock scholarships, internships, and opportunities most teens never access. 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Connect with Derrick Kinney: Simple Teem Success Website Success For Advisors Website Derrick Kinney Website Linkedin Facebook Instagram Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    1 h y 14 m
  • The Wealth Flywheel: How to Systematically Grow Your Income (Fast!)

    The Wealth Flywheel: How to Systematically Grow Your Income (Fast!)
    Sep 1 2025
    In this episode of The Personal Finance Podcast, we break down the Wealth Flywheel system—a framework for building assets that generate exponential momentum through cashflow reinvestment, covering how real estate rentals, subscription businesses, and dividend stocks create self-sustaining wealth machines that start slow but eventually replace your active income. We explore 15+ different flywheel types from single-family rentals to franchise ownership, walk through the 5 phases every flywheel goes through from ignition to freedom, and provide the exact 8-step blueprint to calculate your financial independence number, automate your wealth gap, and stack multiple flywheels until they generate enough passive income to achieve financial independence. Get The Wealth Flywheel Guide Here Watch this episode on Youtube 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 5 minutes or less per week Here! Learn to invest by joining Index Fund Pro! This is Andrew’s course teaching you how to invest! Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course Leave Feedback or Episode Requests here. Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to 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 Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode: Your First Million Is The Hardest (Here is How to Do it!) How to Buy Then Build a Business with Walker Deibel How to Invest More Outside of Retirement Accounts, 529 Strategies, & Dividend Growth - Money Q&A Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices
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    46 m