How to Fix Your Finances If You Make $100,000 (and Still Feel Broke)

The Personal Finance Podcast

Andrew Giancola

Business, Investing, Entrepreneurship

4.7 • 1.4K Ratings

🗓️ 8 April 2026

⏱️ 53 minutes

🔗️ Recording | iTunes | RSS

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Summary

You make six figures. You should feel ahead. So why does it still feel like you're barely getting by? 👉 Join Andrew's FREE Investing for Beginners Masterclass. What You'll Learn in This Episode Why 44% of people earning over $100,000 still live paycheck to paycheck and what to do about it How to run an honest income versus outflow audit in under an hour The Block Method: a four-part budgeting framework that actually works for high earners How to identify your "broke tax" and stop quietly bleeding money every month Why your car and your house are probably the real problem, not your lattes The exact order to fund your accounts so your money starts working for you automatically How to set a 12-month net worth target and finally measure what actually matters 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! 👉 Join Andrew’s FREE Investing for Beginners Masterclass 👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Partner Deals Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance Policygenius → Free life insurance quote http://policygenius.com Acorns → Start investing + get $5 bonus http://acorns.com/pfp Monarch → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp Wayfair → Get 80% OFF on April 25th through the 27th http://wayfair.com DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/ Tool/s Mentioned Automate Your Money Checklist Episode/s Mentioned How to Negotiate Your Bills (and SAVE 6-Figures!) The Average Retirement Savings By AGE! The Million Dollar Money Decisions You Should Be Focusing On How to Negotiate Your Rent Like A Pro (and win the negotiation!) 10 Incredible Benefits of a Taxable Brokerage Account! Watch Next How to Plan Your Retirement (By Age!) 10 Reasons Smart People Are Bad With Money The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step) How to Invest in Real Estate (In ANY MARKET!) The Best Financial Strategies (BY INCOME!) Connect with Andrew Instagram Website TikTok X LinkedIn YouTube Question for you: After hearing the Block Method today, which of the four blocks is most out of whack for you right now: Fixed, Foundation, Lifestyle, or Future You? Drop it in the comments. 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 to fix your finances if you make over six figures and still feel broke.
0:15.2	What's up, everybody, and welcome to the Personal Finance Podcast. I'm your host, Andrew, founder of mastermoney.com.
0:23.1	And today on the personal finance podcast, we're going to be diving into how to fix your finances if you make six figures or more.
0:31.1	If you guys have any questions, make sure you join the Mastermoney newsletter by going to mastermoney.com slash newsletter.
0:38.3	And don't forget to follow us on Apple Podcast, Spotify, YouTube, or whatever podcast player,
0:43.4	you love listening to this podcast on it.
0:45.4	If you want to hop out the show, consider leaving a five-star rating and review on Apple Podcast,
0:51.0	Spotify, or your favorite podcast player. Now, today, we're going to be diving
0:56.3	into how to fix your finances if you have a high income and still feel like you're broke.
1:02.1	If you still feel like your living paycheck to paycheck, I'm going to show you exactly what
1:06.3	you need to do today. There are a lot of folks out there. We're making over $100,000 per year who are still
1:13.3	struggling. I have talked to so many different folks in Master Money Academy and in other places
1:18.5	that are making these high incomes and still struggling to get by. Now, your location is going to
1:23.3	matter a lot on this, but there are still things that you can do no matter what to fix your finances.
1:28.9	But I want to look at the data first because the data is shocking. So a 2025 lending club
1:34.4	payment study found that 62% of U.S. adults live paycheck to paycheck, including 44% of those
1:41.8	people, are earning more than $100,000 per year who say they have little to no money left after expenses.
1:49.3	Guys, for most of you out there, that should not be happening.
1:52.8	You should be able to have some extra cash on hand.
1:55.9	And I know how difficult it is right now.
1:58.2	I understand the economy is tough.
2:00.0	I understand the rising cost of inflation is a big deal. I understand the economy is tough. I understand the rising cost of
	...

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