How to Spot a Fee That's Robbing You, Insure Your Kids' Future, and Retire Two Decades Early (Money Q&A)

Seven listener questions, one theme: the small stuff you never check is usually the expensive stuff. Fees, insurance add-ons, account order, and the plan you need before retiring decades early.  👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about  👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar\_id=21  👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG\U22iZ3BUmyHe9fPvBQaC1vW\x1D7bJA/viewform  **What You'll Learn in This Episode** - How to find the fees buried in your retirement accounts and what to swap them for - Why a fund's one-year return tells you almost nothing worth knowing - The situations that actually call for gap insurance, and the one place you should never buy it - Andrew's rule for financing a car without ending up underwater - How to leave money to a child with a disability without costing them their benefits - The two numbers that decide your term life coverage: how much and for how long - A full audit of a listener saving nearly 70% of his income, including how he reaches his money before 59½ - How a union tradesman can stack a pension, a match, and a Roth to change his family's trajectory - A phishing text pretending to be an Amazon recall, and how to spot it **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! https://mastermoney.co/join/ 👉 Join Andrew’s **FREE Investing for Beginners Masterclass** https://event.webinarjam.com/q05p7/register/0o8z9io?webinar\_id=21 👉 Join The **Master Money Newsletter** where you will become smarter with your money in 5 minutes or less per week **Here**! https://expert-hustler-605.ck.page/6aa7bb9a79 **Partner Deals**   - Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance - Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com - Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP - Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP - Gelt - Get 10% off your first year by mentioning “Personal Finance Pod” on the intake form; the CTA is to book a free discovery call at joingelt.com - DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/ **Resource/s**  - Car Insurance https://secure.money.com/pr/gc43ce394da5 - Best HYSA https://secure.money.com/pr/r453ecf4d190 - Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c - Best IRAs https://secure.money.com/pr/oe09b73d1952 - Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney **Tool/s Mentioned**  - Compound Interest Calculator https://mastermoneyresources.com/investment-calculator-page **Episode/s Mentioned**  - The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs - How to Access Your Retirement Accounts EARLY (Roth IRA Conversion Ladder for the FIRE Movement) https://youtu.be/ut8rDIJ1kSI - The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII\_Z0hnw **Watch Next** - 4 Dead Simple Steps to Become Financially Free https://youtu.be/dM4DKC7-Y5s - How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74 - Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY - Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak https://youtu.be/3lXtpxTwrQI - Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI **Connect with Andrew** - Instagram → https://bit.ly/Skool-Instagram - TikTok → https://bit.ly/Skool-TikTok - Facebook → https://bit.ly/Skool-Facebook - Podcast → https://bit.ly/Skool-Podcast - Youtube → bit.ly/Skool-Youtube - Newsletter → https://bit.ly/Skool-Newsletter - Website →⁠ https://mastermoney.co ⁠ - X → ⁠https://x.com/mastermoneyco - LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠ **Question for you:** What topic do you want covered in the next Q&A? Drop in the comments.  Learn more about your ad choices. Visit megaphone.fm/adchoices