He Achieved Financial Independence in 2 Years! (Here's How!) With Justin David Carl

The Personal Finance Podcast

Andrew Giancola

Entrepreneurship, Investing, Business

4.6 • 1.2K Ratings

🗓️ 15 December 2025

⏱️ 62 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

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 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

Transcript

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0:00.0	Why are businesses like HelloVet choosing Apple products and services?
0:05.0	So we started the business two years ago.
0:07.0	We had a few people who were used to PCs and this was their first foray into Macs.
0:12.0	But it's been super smooth getting everyone onto those devices and everyone seems really, really happy.
0:18.0	Find out how Mac can help you run and grow your business at Apple.com forward slash
0:23.6	HelloVet.
0:27.0	This episode is brought to you by Vanta.
0:29.7	Security and compliance done wrong is a headache.
0:32.2	Done right, you build trust and grow faster.
0:34.7	That's Vanta.
0:35.8	For startups, Vanta acts as your first security hire,
0:39.3	using AI to get you compliant fast. For enterprises, it's your AI-powered hub for compliance,
0:44.3	risk, and automating workflows. From startups like Cursor to enterprises like Snowflake, top companies
0:50.3	choose Vantor. Do security and compliance right. Get started today at vanta.com.
0:56.3	So my mom came to me and she said, Justin, you can either let this break you or you can let it make you.
1:03.6	And I read it and my mind exploded. And I was like, oh my God, if I had understood these concepts back in my 20s, I would already be a millionaire, multi-millionaire, and financially free.
1:18.4	So in 2017, I was $80,000 in debt and six years behind on my taxes.
1:23.9	The truth is, my money was a total dumpster fire.
1:26.6	But I'm in a different season of life and so
1:29.1	over the last couple months I've really worked on uninstalling this maximize net worth at all costs
1:36.3	to maximizing my net life So, Justin, welcome to the personal finance podcast. Good to be here, brother. I am really excited
1:54.2	to have you here. You and I got to spend a ton of time at FinCon. I guess that was a month
	...

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