How to Pay Off $10,000 in Credit Card Debt in Less Than 1 Year

The Personal Finance Podcast

Andrew Giancola

Entrepreneurship, Investing, Business

4.6 • 1.2K Ratings

🗓️ 22 September 2025

⏱️ 32 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of The Personal Finance Podcast, Andrew exposes how credit card companies profit from keeping you trapped in 20-25% interest debt that can stretch a $10,000 balance into decades of payments, then reveals his tactical 6-step plan to eliminate that debt in under a year using balance transfer cards and finding just $875 monthly through expense cuts and side hustles. He breaks down why this isn't just about math but about reclaiming your peace of mind, your relationships, and hundreds of monthly dollars that can finally build wealth instead of enriching credit card executives. This episode delivers the exact roadmap to break free from the financial stress that's stealing your sleep and your future, with real strategies you can implement immediately. 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 Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.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/ Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off! Relevant Episodes: 10 Rules For Using and Maximizing Credit Cards! How to Master Credit Cards (and Beat The Banks!) How to Choose The Best Credit Card (Plus The Exact Credit Cards I Use!) 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	Why are businesses like HelloVet choosing Apple products and services?
0:05.1	So we started the business two years ago.
0:07.2	We had a few people who were used to PCs and this was their first foray into Macs.
0:12.5	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 hellovet.
0:26.0	Hi, this is Ava from Vanta.
0:28.9	In today's digital world, compliance regulations are changing constantly.
0:33.4	An earning customer trust has never mattered more.
0:36.2	Vanta helps companies get compliant fast and stay
0:39.1	secure with the most advanced AI automation and continuous monitoring out there. So whether you're
0:44.2	a startup going for your first stock two or ISO-27,001, where a growing enterprise managing vendor
0:49.5	risk, Banta makes it quick, easy and scalable. And I'm not to saying that because I work here.
0:54.6	Get started today at banta.com.
0:56.8	On this episode of the Personal Finance Podcast,
1:00.3	how to pay off $10,000 of credit card debt in less than a year.
1:04.5	Thank you. What's up everybody and welcome to the personal finance podcast.
1:27.1	I'm your host, Andrew, founder of mastermoney.co.
1:29.8	And today on the personal finance podcast, we're going to be diving into how to pay off
1:34.5	$10,000 of credit card debt in less than a year.
1:38.2	If you guys have any questions, make sure you join the Master Money newsletter by going
1:41.9	to mastermoney.com slash newsletter. And don't forget
1:45.5	to follow us on Apple Podcasts, Spotify, YouTube, or whatever podcast player, you love listening to
	...

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