The Personal Finance Podcast

What if AI really is in a bubble? Should you sell your investments, avoid tech completely, or change your portfolio? The answer isn't to predict the next crash. It's to build a portfolio that can handle uncertainty while still allowing you to participate in long-term growth.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

👉 Master Money Wealth Building Strategy Call: https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode

Why you shouldn't try to predict whether an AI bubble or market crash is coming

The difference between betting on AI technology and betting on the price of AI stocks

How much AI exposure you may already have through broad-based index funds

How index funds can help reduce concentration risk when individual companies fall

How equal-weight, value, small-cap value, and international funds can diversify your portfolio

Why adding bonds can make sense depending on your age, goals, and stage of wealth building

How rebalancing can help keep your portfolio aligned with your original investment plan

Why selling everything and waiting for a market crash can hurt long-term returns

How to create an investment plan that removes emotion from your investing decisions

How to determine your risk tolerance and build an asset allocation around it

How to organize investments across multiple retirement and brokerage accounts

What a Backdoor Roth IRA is and why it can be useful for high earners

Start Here

Join the community built to help you build your portfolio, learn how to invest, and work toward financial freedom.

👉 Try **Master Money Academy FREE** for 7 days today!

https://mastermoney.co/join/

👉 Join Andrew’s **FREE Investing for Beginners Masterclass**

https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

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

https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

**Resources**

Car Insurance → https://secure.money.com/pr/gc43ce394da5

Best HYSA → https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts → https://secure.money.com/pr/v8d06f8de92c

Best IRAs → https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards → https://milevalue.com/best-credit-cards/?aff=mastermoney

Watch Next

How to Build Your Investment Portfolio (The Portfolio Pyramid!)

The 7 Habits of Great Investors

5 Signs You’re Overthinking Investing! (Plus Money Q&A!)

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat)

Connect with Andrew

Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

YouTube → http://bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website → https://mastermoney.co

X → https://x.com/mastermoneyco

LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340

Question for you:

Are you worried about an AI bubble, and if so, what changes, if any, are you considering making to your portfolio?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people will never become millionaires because nobody handed them the rules. These ten rules cover spending, debt, investing, income, and protection, and they are the whole game.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform

👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode

The ten money rules that move the needle toward your first million

How to spend aggressively on what you value and cut everything else

What a $10,000 credit card balance really costs you over three years

The micropayment strategy for chipping away at debt faster

Why index funds beat trying to find the next winner

The six million-dollar money decisions worth obsessing over

How to build money routines around your personality instead of fighting it

Why net worth, not income, is the only scorecard that counts

Start Here

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! https://mastermoney.co/join/

👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals



Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Build your vision step by step at ⁠⁠Hostinger.com/PFP⁠⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s

Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Book/s Mentioned

Get That Raise https://mastermoney.co/get-that-raise-ebook/

Episode/s Mentioned

How to Negotiate Your Salary (The Step-By-Step System!) https://youtu.be/rIDlLqDI3O0

5 Side-Hustles That Can Turn into a Full time Income! https://youtu.be/bEIzgYWLi1I

5 Side Hustles That Can Turn into a Full time Income! Part 2 https://youtu.be/10C4zt9w8NQ

5 Side Hustles That Can Turn into a Full Time Income! (Part 3) https://youtu.be/jEkKQZVYLSg

5 Side Hustles That Can Turn Into a Full Time Income (Part 4) https://youtu.be/DPQwY_U3lKY

Why Your First $1 Million Changes Everything https://youtu.be/SgG8DQGZVG0

The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU

Watch Next

The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Connect with Andrew

Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:

Which of the ten rules are you already following, and which one needs work?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Bills first, savings with whatever is left. That is how almost everyone runs their money, and it is supposed to be backwards. Andrew flips the whole sequence and automates every step of it.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform

👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode

The eight-step order every paycheck runs through, and why investing comes first

Why your checking account should only ever be a pass-through

How to cluster your bills so cash flow stops surprising you

The weekly credit card habit that kills revolving balances

Which savings buckets to build once the emergency fund is done

What the whole system looks like on a $6,000 paycheck

Whether an emergency fund belongs in cash or a brokerage account

Start Here

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! https://mastermoney.co/join/

👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals



Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Build your vision step by step at ⁠⁠Hostinger.com/PFP⁠⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s

Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Tool/s Mentioned

Compound Interest Calculator https://mastermoneyresources.com/investment-calculator-page

Episode/s Mentioned

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74

Watch Next

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

Connect with Andrew

Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:

What is your current order of operations when a paycheck hits? Post it in the comments.
Learn more about your ad choices. Visit megaphone.fm/adchoices

The best investors in the world do not share a strategy, but they do share a set of habits. If you learn these habits of great investors instead of their stock picks, your portfolio would probably do better.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform

👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode

The seven habits successful investors share, regardless of their strategy

How automatic increases helped people nearly quadruple their savings rate without feeling it

What a 1% fee costs over a career, including one example where it takes $4 million off the ending balance

Why the best days in the market tend to show up right next to the worst ones

The research showing just 4% of companies created all the net wealth in the stock market

Practical ways to keep your emotions from wrecking your returns

Plus listener questions on paying off 23% credit card debt, getting a spouse engaged with money, preparing an investment plan while still in debt, and whether to use a bonus on low-interest loans or a Roth IRA

Start Here

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! https://mastermoney.co/join/

👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals



Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Builds your vision step by step. Create your website today at ⁠Hostinger.com/PFP⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s

Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Tool/s Mentioned

Compound Interest Calculator https://mastermoneyresources.com/investment-calculator-page

Book/s Mentioned

The Psychology of Money by Morgan Housel

The Little Book of Common Sense Investing by John Bogle

The Simple Path to Wealth by JL Collins

A Random Walk Down Wall Street by Burton Malkiel

The Bogleheads' Guide to Investing

Warren Buffett's shareholder letters, free at https://www.berkshirehathaway.com/letters/letters.html

Episode/s Mentioned

The Business Show https://youtube.com/playlist?list=PLHvdISl-a2chNMWZfkJra-15dS_vlKEt3&si=m0TPEfzeyMjIzEPb

Watch Next

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0

Connect with Andrew

Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:

Which of the seven habits do you already have, and which one are you still working on?
Learn more about your ad choices. Visit megaphone.fm/adchoices

There is a point where saving another dollar starts costing you something worth more than the dollar. Justin Peters figured out exactly where that line is.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform

👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode

Justin's four spending principles, including the fun fund and the oops budget

The "moments that matter" list, and how to decide what money should not get a vote on

The line between discipline and deprivation, and how to tell which side you are on

Why the last 10% of optimization costs more in life satisfaction than it saves

Small experiments that reveal what you actually value, no soul searching required

When lifestyle creep is healthy, and the mental trick that makes spending feel safer

The monthly money routine that takes 20 to 30 minutes

How Justin and his wife run money together, and the mistake both he and Andrew made early on

Start Here

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! https://mastermoney.co/join/

👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals



Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Builds your vision step by step. Create your website today at ⁠Hostinger.com/PFP⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s



Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Episode/s Mentioned

Why you NEED a Financial Independence Bucket List With Justin Peters https://youtu.be/ASEQtEjoUMI

The 5 Types of Wealth With Sahil Bloom https://youtu.be/DTzYvlbRiIs

How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

How to Double Your Income in One Year with Andrew Giancola https://open.spotify.com/episode/5mt4PuxjYDSGi4D0HOpntH?si=mNpWJbGKQxeYOIIGFaOZiw

Watch Next

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0

How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY

Connect with Justin

Email → Justin@FIMinded.com

X → https://x.com/justinleepeters

Instagram → https://www.instagram.com/justinleepeters

LinkedIn → https://www.linkedin.com/in/justinleepeters/

Pod.link (all players): https://pod.link/1496701179

Connect with Andrew

Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:

What would go on your "moments that matter" list? Name one in the comments.
Learn more about your ad choices. Visit megaphone.fm/adchoices