How 401(K) Sprints Can Make You A Multi-Millionaire (By AGE!)

The Personal Finance Podcast

Andrew Giancola

Entrepreneurship, Investing, Business

4.6 • 1.2K Ratings

🗓️ 6 October 2025

⏱️ 39 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of The Personal Finance Podcast, Andrew introduces the 401k Sprint strategy—a game-changing approach where you max out retirement contributions for just 5-10 years instead of grinding for 30-40 years straight, proving that a 25-year-old who contributes $23,500 annually for only 5 years can retire with over $2 million while someone starting at 60 can still add $430,000 in just 5 years using catch-up contributions. He breaks down the exact numbers for sprints starting in your 20s, 30s, 40s, 50s, and 60s, explains the difference between traditional and Roth 401k strategies, and shows why the 2-on/2-off cycle approach (maxing contributions for 2 years, taking 2 years off, and repeating) can still build nearly $3 million by retirement—proving that short bursts of intense saving combined with compound growth can beat decades of mediocre contributions. Watch this episode on Youtube. 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! Relevant Episodes: Should You Stop Using a Roth 401(k) After a Certain Income? (Money Q&A) What to Do With Your Old 401(K) (Step-By-Step!) Should I reduce my 401(K) Contributions to Save for a House? - Money Q&A 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, how 401K sprints can make you a multimillionaire.
0:07.0	And this is by age.
0:32.1	Wow. What's up, everybody, and welcome to the Personal Finance Podcast. I'm your host, Andrew, founder of MasterMoney.com. And today on the Personal Finance Podcast, we're going to be talking
0:37.3	through how 401K sprints can make you a multimillionaire.
0:41.2	If you guys have any questions, make sure you join the Master Money newsletter by going to mastermoney.com slash newsletter and follow us on Spotify, Apple Podcasts, YouTube or whatever podcast player.
0:52.4	You love listening to this podcast on it. If you want to hop out
0:55.0	the show, consider leaving a five star renting and review on Apple Podcasts, Spotify, or
0:59.7	your favorite podcast player. Now today, we're going to be diving into what we call 401K sprints.
1:07.2	And I'm going to be introducing this new concept that I think is going to be freeing for a lot of you out there because you are going to learn that maybe I don't have to be super
1:15.5	disciplined for the rest of my life. Maybe if I get hyperfocused for short periods of time,
1:20.2	I can then build a tremendous amount of wealth, be on track to retire, and do anything I want
1:25.5	in my life. Because you are pursuing financial freedom.
1:28.3	That is why we are trying to ensure that we are saving for retirements and getting our money
1:32.7	right so that we have either the option to leave a job or we can leave a job that we absolutely
1:37.9	hate. So freedom is the goal and we're going to talk through some of these 401K sprints.
1:42.0	Now you've most likely never heard of a 401k sprint and this is a term that we have come up with talking through some of these 401k sprints. Now, you've most likely never heard of a 401k sprint,
1:44.4	and this is a term that we have come up with talking through some of these focused and intentional
1:49.3	periods that are for shorter periods of time, usually anywhere from five to 10 years, but I'm
1:53.9	going to give you a bunch of options in this episode today, where you go all in on maxing out
1:58.9	your retirement contributions, knowing that you won't necessarily be sustainable for long term, but you're going all in on maxing out your retirement contributions, knowing that you won't necessarily
2:01.9	be sustainable for long term, but you're going all in for a shorter period of time and trying
2:07.3	to save aggressively during that time frame. Instead of having to save extremely aggressively and
	...

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