10 Steps to Get Ahead of 99% Of People Financially (In the Next 6-12 Months)

The Personal Finance Podcast

Andrew Giancola

Entrepreneurship, Investing, Business

4.6 • 1.2K Ratings

🗓️ 8 October 2025

⏱️ 46 minutes

🔗️ Recording | iTunes | RSS

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Summary

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. Watch this episode on Youtube. 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 using the 1-3-6 emergency fund method 📈 Step 4: Start investing immediately (even if it's small amounts) 💸 Step 5: Slash major money leaks like housing and transportation (not $5 coffee) 📊 Step 6: Track and optimize your money with monthly net worth reviews 🚀 Step 7: Supercharge your income through skill-building and strategic moves 🧠 Step 8: Build a wealth mindset with books and accountability 🧨 Step 9: Eliminate high-interest debt aggressively (non-negotiable) 🧰 Step 10: Protect your wealth with insurance and estate planning 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 DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.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/ Thanks to Policy Genius for Sponsoring the show! 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 Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Links Mentioned in This Episode: The 1-3-6 Method For Building & Managing Your Emergency Fund The Ultimate Guide to Becoming an Employer Match Millionaire (FREE MONEY) How to Create a Bulletproof Wealth Protection Plan 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

Transcript

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0:00.0	on this episode of the Personal Finance Podcast.
0:31.7	I'm your host, Andrew, founder of MasterMoney.com.
0:34.9	And today on the Personal Finance Podcast, we're going to be diving into 10
0:39.0	steps to get ahead of 99% of people financially in the next 6 to 12 months. If you guys
0:44.6	have any questions, make sure you join the Master Money newsletter by going to mastermoney.com.
0:49.0	And don't forget to follow us on Spotify, Apple Podcasts, YouTube, or whatever podcast player,
0:54.1	you love listening to this podcast on it.
0:55.9	If you want to help out the show, consider leaving a five-star rating review on Apple Podcasts and
1:00.6	Spotify. And if you want to be coached by me, we have launched Master Money Academy. So if you
1:06.6	haven't heard of Master Money Academy yet, this is the place where we are going to transform your finances.
1:13.4	So we have something in Master Money Academy called the Wealth Builders Journey.
1:16.5	And this is a step-by-step exact guide that is going to help you transform your finances.
1:21.4	We have 25 steps in there taking you through your entire journey from the very beginning
1:25.6	on how to set up your accounts, how to start automating your money, how to start cutting back on expenses you don't care about, how to start increasing your income and making more money. Then we go through how to invest your dollars in the order of operations for investing more money. We go through wealth accelerators, how to save money for your kids, how to set money goals. And in addition, inside of Master Money Academy, we're going to have all of our new courses that we have coming out. So Index Fund Pro is in there. Master Your Money Goals is in there. But we're going to have so much more. But also, I coach people live inside of Master Money Academy. So we do live calls every week. And our entire goal is threefold. Number one is we want to help keep you accountable. So we have a
2:00.8	group called the founding wealth builders who joined as the beta group. And they are so amazing. And
2:06.2	everything that we have been doing inside of Master Money Academy has been so cool. Because every single
2:10.7	week, we talk about our goals for the week and we talk about our wins at the end of every single
2:16.0	week. And so we go through this and everybody
2:18.1	is supportive. And that is the huge key with this community is we want you to have a very supportive
2:23.1	group by your side. And so everybody in this community this far has been absolutely amazing and they
2:28.8	have been super supportive. Number two is we want to transform your finances. So we want you to have
2:32.9	a financial transformation. And so Master Money Academy has the wealth builder's journey so that you can go
	...

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