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 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

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 shocking truth that while homes increased 400% since 1970, the S&P 500 returned 7,000% in the same period. He breaks down three full case studies showing the real total cost of ownership including property taxes, maintenance, insurance, and opportunity cost, plus when buying still makes sense and how to calculate your total cost of ownership. Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! 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/  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 The Total Cost of Ownership Calculator Master Money Co Resources 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