You Can Change Your Finances in 3 Months (Here is How!)

The Personal Finance Podcast

Andrew Giancola

Business, Investing, Entrepreneurship

4.7 • 1.4K Ratings

🗓️ 29 December 2025

⏱️ 47 minutes

🔗️ Recording | iTunes | RSS

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Summary

Get the Free Automate Your Money Checklist here. 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 reveals how to transform your financial life in just three months by mastering six simple steps, knowing your core numbers like income, burn rate, and savings rate, optimizing housing costs, automating your investments and bills, investing in low-cost index funds, calculating your freedom number using the 25x rule, and spending intentionally on what you actually value. Listen to The Business Show here. Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week 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. 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! Resources Mentioned Your Net Worth Audit Checklist Here is the Total Cost of Ownership Calculator Link of the Episodes Mentioned: The 6 Numbers You Must Know to Build Wealth (The Financial Scorecard) Boost Your Savings Rate to 20%+ in 5 Easy Steps (Money Q&A) The Bucket Method For Managing Your Savings (Master Multiple Savings Goals) Why Index Funds Are King (Plus My Favorite Index Funds!) 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	On this episode of the Personal Finance Podcast, you could change your entire financial life in just three months.
0:07.4	And I'm going to show you exactly how.
0:17.3	What's up, everybody, and welcome to the personal finance podcast.
0:22.3	I'm your host, Andrew, founder of mastermoney.com.
0:25.3	And today on the personal finance podcast, I'm going to show you how to change your financial life in just three months.
0:31.9	If you guys have any questions, make sure you join the Mastermoney newsletter by going to
0:36.3	mastermoney.com slash newsletter.
0:39.4	And don't forget to follow us on Apple Podcast, Spotify, YouTube, or whatever podcast player,
0:44.8	you love listening to this podcast on it.
0:46.7	If you want to help out the show, consider leaving a five-star rating and review on Apple Podcast, Spotify,
0:52.0	or your favorite podcast player. And don't forget,
0:55.0	if you want direct help from me, you can join Master Money Academy. And in Master Money Academy,
0:59.5	we do weekly coaching calls helping people just like you. And we have hundreds of people in
1:05.1	Master Money Academy who are learning so much and really, really excited for the future of Master
1:10.7	Money Academy and some of the
1:11.7	stuff that we are doing there because that is your financial roadmap. That is going to take you
1:15.6	step by step on what to do with your next dollar. Now today, we're going to be diving into
1:21.2	how you can change your financial life over the next three months. Now, most people think
1:26.3	they're not good with money. And if you have been
1:27.8	the type of person who has been living paycheck to paycheck for a long time or you feel like you have
1:32.8	just never caught up with money, then you may feel stress or anxiety around money. And the thing is,
1:38.2	most people aren't bad with money. They just don't have a financial system in place. And not having a
	...

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