The Personal Finance Podcast

Episode 31: How Millennials Can Overcome Their Biggest Financial Challenges In this episode we cover: The 6 biggest Millennial challenges How to solve those challenges How to tackle debt How to get out of bad financial situations Stuff I Recommend! M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be affiliate links and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 30: How You Can Have a Free Car for Life (It's True!) In this episode we cover: How to use assets to buy a car The danger of car buying How to buy a car right Why cars can limit your freedom if you don’t buy them right The system of buying a car for free Free Car for Life Article! Stuff I Recommend! M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 29: How to Sell a House for Double What you Paid For It In this episode we cover: How to buy a house right How to choose an agent How to get your house ready to sell When is the right time to sell RESOURCES: How to Buy a House and Have Instant Equity Podcast Episode How to Buy a house article M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be affiliate links and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 28: Can you Get Rich at Your Day Job? In this episode we cover: How to build wealth at your day job How to get raises How to invest in your companies 401(k) and Roth IRA Why you can get rich at your day job RESOURCES: How to Become a 401(k) Millionaire How to Become a Roth IRA Millionaire How to ask for a Raise Part 1 How to ask for a Raise Part 2 Free Negotiate Your Salary EBOOK M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 27: 7 Ways to Build Credit Fast In this episode we cover: How to build credit fast What impacts your credit score How to manage your credit cards How to turn a bad credit score into a good score RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 26: The Fastest Ways to Grow Wealth In Your 20’s (and 30’s!) In this episode we cover: Why your 20's are the financial golden years How to increase your income How to Save More Money How to set your life up for wealth RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 25: The 8 Stages of Building Wealth In this episode we cover: How to build legacy wealth How to stop living paycheck to paycheck How to Accelerate Your Wealth The stages to become a millionaire RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 24: How to Negotiate Your Bills (and Save over Six-Figures!) In this episode we cover: How to Negotiate Your Bills Why negotiating your bills will save you 6 figures What bills are the best to negotiate What to say when negotiating RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 23: DIY Peloton: How To Build Your Own Smart Bike For Less (Under $400!) In this episode we cover: Why Buying a Peloton Will Actually cost you $22,000 What you need to build your own How to Stream Peloton Workouts to Your Bike The best accessories The best Bike for your Budget DIY PELOTON ARTICLE WITH PICTURES Want to build your own DIY Peloton? Check out all the gear you need here! RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 22: How Much Money You Need to Retire (and Why it May be Less Than You Think) In this episode we cover: How much you need to retire How to Retire Early (FIRE) The safe withdrawal rate The 4% Rule How to make sure you have a bulletproof retirement RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 21: If you Control These 3 Expenses You Can Spend Lavishly on Everything Else In this episode we cover: The big 3 expenses you need to control How much these big 3 expenses are costing you How much you should be spending on these expenses How to reduce these expenses Why the small purchases don’t matter RESOURCES: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 20: Why Understanding Your Savings Rate Will Change Your Life (and Allow You To Retire Early) In this episode we cover: How to Calculate Your Savings Rate How to Increase Your Savings Rate The Savings Rate Chart that Will Save Your Life How to Retire Early Key Takeaways RESOURCES: Savings Chart Mr. Money Mustache Article M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 19: How Much Do You Spend on Alcohol? In this episode we cover: The details of this fun-filled experiment How much you would save if you spend $50 a month How much you would save if you spend $100 a month How much you would save if you spend $150-$400 a month What to do with all that extra cash RESOURCES: CIT BANK (Best Savings Account) Charts M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 18: The Super Retirement Account (HSA) In this episode we cover: What Is A Health Savings Account (HSA)? HSA Contribution Limits The HSA Tracking System How Much Can My Health Savings Account Grow? Other Massive HSA Benefits RESOURCES: IRS Publication for what is qualified M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 17: The Cheapest Ways to Become a Millionaire In this episode we cover: How to Start a low-cost online business How to build a website How to create Niche Sites How to create amazing FBA products How to make money online Want to create your own website? Check out BLUEHOST HERE (Affiliate) See all the examples Here Resources in this episode: Blogs Smart Passive Income Making Sense of Cents The Points Guy Digital Photography School Niche Sites Parrot Secrets Food Truckr Kitchen Knife Guru Blender Dude Amazon Products Go Yoga (Affiliate) Savvy Infusion (Affiliate) M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 16: House Hacking: How to Live Rent Free In this episode we cover: What is house hacking Benefits to house hacking How to Run the numbers on a house hack Best House Hacking Properties Managing Your House Hack Resources in this episode: The Book On Managing Rental Properties I recommend (Affiliate Link) House Hacking Book to Dive Deeper (Affiliate Link) Mortgage Calculator How to Buy a House Article M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) ** Some links may be an affiliate link and we earn a small commission at no extra cost to you. We only recommend products we truly believe in. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 15: How to Buy a House (and Have Instant Equity) In this episode we cover: The home buying Process How much you need to save How much you need for a down payment How to buy a house and add value Tips on finding a house that is good for resale Resources in this episode: Mortgage Calculator How to Buy a House Article M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we cover: What is a 401(k) How much money you need to save each paycheck to be a 401(k) millionaire How to increase your contributions Why your employer wants to give you free money Tips on how to become a 401(k) millionaire Resources in this episode: What is a 401(k) Article Average 401(k) Balance by Age Charts M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 13: 19 Habits of People Who Always Have Money (Save Like The Rich) In this episode we cover: How to Save Like The Rich How to Build More Wealth Money moves you can make now to save more How to Increase your income Tips on investing and Side-Hustles Resources in this episode: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 12: How To Prevent Lifestyle Creep In this episode we cover: What is lifestyle creep (Lifestyle Inflation) Signs You May Have Fallen Victim to Lifestyle Creep How to Prevent Lifestyle Creep Why Lifestyle Creep Can Be Terrible for Your Finances The Most Common Lifestyle Creep Categories Resources in this episode: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we cover: Why Rental Properties are a Fantastic Investment How to Build Wealth With Rental Properties Mistakes to Avoid when Investing In Rentals How to Run The Numbers The Tax Benefits of Rentals Resources in this episode: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 10: If You Keep Saving Your Money You Will Ruin Yourself Financially In this episode we cover: Why Inflation will eat away at your savings You Can Never Outwork Your Money How to Make Your Money Work For You What to Invest in Why It’s Not How Much Money You Make Resources in this episode: Charts! M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 9: How to Ask Your Boss for a Raise (and get it!) The Step By Step Guide. In this episode we cover: Why you need to ask for raises How to prepare for a raise negotiation How to communicate with your boss and set a plan to get a raise How to get the raise you want How to ask for a raise while working from home Resources in this episode: Free Ebook with Scripts and Checklists! M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Dollar After Dollar Article Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 8: How to Negotiate Your Salary Like a Pro In this episode we cover: Why negotiating can make you a million dollars more How to prepare for a salary negotiation Strategies to negotiate and win How to get the salary you want Other negotiation perks Resources in this episode: Free Ebook with Scripts and Checklists! Million-dollar study Dollar After Dollar Article M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we cover: Why There’s A Recession Coming How to Handle a Recession How to Prepare for a Recession Why Recessions Happen How to Handle Your Investments in a Recession Resources in this episode: Debt Prices Beyond 2008 Dollar After Dollar M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App CIT BANK (Best Savings Account) Learn more about your ad choices. Visit megaphone.fm/adchoices

Got questions? Ask me on Instagram Here. @mastermoneyco This is the fastest way to get a response from me. Episode 6: The Fastest Way to Pay Off Debt In this episode we cover: Why Debt is like Miley Cyrus Reasons Debt Brings You Down How to Decide if You Want to Pay Down Debt The Fastest Way to Pay Down Debt The Debt Wrecking Ball The Debt Snowball Resources in this episode: M1 Finance Best Place to Invest Personal Capital Free Wealth Management and Budget App So-Fi LendEDU Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 5: Why Budgets Aren't Boring (Budget and Chill) In this episode we cover: Why Budgets create freedom The 4 rules to create an amazing budget How to budget and chill The minimalist budget The power of budgeting Resources in this episode: YNAB M1 Finance ROTH IRA or Brokerage Personal Capital Free Budget App Learn more about your ad choices. Visit megaphone.fm/adchoices

Got questions? Ask me on Instagram Here. @mastermoneyco This is the fastest way to get a response from me. Episode 4: How to Become a Roth IRA Millionaire In this episode we cover: What is a Roth IRA? How to max out a Roth IRA. How much money do you need to save in your Roth IRA to become a millionaire? What to invest in your Roth IRA. The best brokerage for the Roth IRA. Personal Finance Q&A. Resources in this episode: M1 Finance ROTH IRA or Brokerage Personal Capital Free Budget App Vanguard Roth IRA Printable Roth IRA Article Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 2: How to Automate Your Money - The Set it and Forget it System Habits are for suckers and systems are for winners. This is a proven system that Andrew uses week in and week out. In fact, Andrew spends an hour a month on his personal finances with this system. In this episode we cover: How to Make Money Management Simple How Andrew spends an hour or less a month on his personal finances with this system Why Would you Want to Auto-Invest Always Paying Yourself First How to automatically pay down debt Set-up Payments for Your Student Loans or Debt Set-up Payments for Your Bills Automatically Track Your Spending How to Increase Your Automatic Transfers When You Get a Raise Resources in this episode: Corporate Politics Book: How to Win Friends and Influence People M1 Finance ROTH IRA or Brokerage Personal Capital Free Budget App YNAB Paid Budget App MINT Vanguard Roth IRA Learn more about your ad choices. Visit megaphone.fm/adchoices

Got questions? Ask me on Instagram Here. @mastermoneyco This is the fastest way to get a response from me. Episode 3: Emergency Funds: The Ultimate Guide to Saving Money In this episode we cover: The 7 Steps to an Emergency Fund What your emergency fund is used for How much money do you need to save for an emergency fund Where to park your emergency fund Why those who are Financially Independent or Retired Early may not need an emergency fund. Resources in this episode: M1 Finance ROTH IRA or Brokerage Personal Capital Free Budget App YNAB Paid Budget App Capital One 360 Learn more about your ad choices. Visit megaphone.fm/adchoices

Got questions? Ask me on Instagram Here. @mastermoneyco This is the fastest way to get a response from me. Episode 1. When you are trying to get to your first 100 stacks, it is hard. The reason behind this is most of your money will have to come from savings. You won’t have enough money yet to begin to reap the heavy rewards that your investments will gain. If you are in your early 20’s, and your salary is, well, less than you would like. Then you have to find other ways to make additional income so you can hit this milestone. Let me tell you, it is truly a pain. If you are in debt, it is an even bigger hurdle to climb. But in the end, it is all worth it. Money is a tool to create freedom and this is the first phase to create wealth. In this episode we cover: The format of The Personal Finance Podcast Why you would want to save $100k How long does it take to save 100k How Andrew saved $100k before 25 What Andrew Invested in to get to his first $100K How to increase your income to hit your goals How you can save your first $100k Resources in this episode: Corporate Politics Book: How to Win Friends and Influence People M1 Finance Personal Capital Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Personal Finance Podcast. Everything you were ever told about money is likely wrong. Hey, that’s not your fault, You were never taught this stuff. That’s where I come in. You don’t need to master some technical jargon or have a fancy pants advisor. You just need to have some basic knowledge and you too can build wealth. With wealth comes freedom. Freedom to do what you want with your time, energy, and creativity. We will talk about how you can earn more money, invest, and build businesses. It’s not about cutting out lattes. It is all about increasing your income. If you are like most people we talk to, you are motivated to change your life for the better. You are ready to thrive, reach your full potential, and be well on your way to a fulfilling life. Yet for some of you, it feels like you are running on a never-ending treadmill. You are never getting ahead with your time and money. If you are struggling with money we know how you feel. This podcast is here to share that with you. We want to help people realize their million-dollar dream (Or whatever your financial goal entails) is achievable. Oh, what a freeing feeling it is to know you’re on the right track. Not only with your money, but with your time, business, and relationships as well. Building wealth takes time, but I will show you the tools that make it much easier. We are going to focus on increasing your income, investments, savings, and building your dream business on the side. Our hope is that we can help you reach your financial dreams. Let’s change your life. Learn more about your ad choices. Visit megaphone.fm/adchoices