In this episode of the Fit Rich Life Podcast, I sit down with Andrew Giancola — founder of The Personal Finance Podcast, which gets over 600K downloads a month. He is a strong voice championing financial freedom for everyone.

Andrew shares his journey from earning a modest income and struggling to cover basic expenses to building wealth through disciplined saving, intentional spending, and smart income growth.

He opens up about the moment he couldn't afford gas, why tracking his savings rate became a turning point, and how small financial systems compounded into long-term freedom.

We dive deep into increasing income, adapting your financial strategy as life evolves, and finding the balance between frugality and living well.

We also cover mentorship, fitness, and the key metrics Andrew believes everyone should track on the path to financial independence.

This episode is packed with practical frameworks and timeless lessons for anyone serious about building a Fit Rich Life.

Connect with Andrew Giancola:

Instagram: https://www.instagram.com/mastermoneyco/

Podcast: https://open.spotify.com/show/1zVBTDKimC3UoOQy59KDrR

Web: https://mastermoney.co/

Get my FREE 29-Page Financially Fit Money Guide

In this episode:

[00:00–05:34] Tracking Money & The Turning Point — Income, Savings Rate & Early Struggles

[05:35–19:23] Building Momentum — Budgeting Systems, Income Growth & Financial Discipline

[19:24–42:19] Career Leverage — Negotiation, Repetition & Annual Income Growth

[42:20–55:35] Real Estate & Side Hustles — Lessons Learned, Risks & Opportunities

[55:36–01:24:48] Mentorship, Spending & Opportunity Cost — Relationships, Cars & Lifestyle Choices

[01:24:49–01:52:57] Fitness, Systems & Quality of Life — Health, Habits & Final Advice

Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/

FIT RICH LIFE NEWSLETTER
Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life.
Join here: https://fitrichlife.com/newsletter

WANT TO LEARN MORE?
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Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl

SHOW SPONSORS:
I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.

From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$!

Thanks for tuning in!

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In this episode of the Fit Rich Life Podcast, I rebroadcast a conversation I originally recorded on the Mile High FI Podcast, where I share my personal journey into semi-retirement after leaving my high-paying sales career in March 2024.

We dive deep into what the first year of semi-retirement really looks like — the unexpected identity crisis, questions around self-worth without a traditional income, and the hidden burnout that often follows high performance.

I open up about the mental and emotional challenges I faced, and how coaching, honest conversations, and community helped me navigate that transition.

This conversation is about far more than money. We explore the importance of purpose, relationships, physical competition, and aligning your work with what truly matters.

If you're considering early retirement, a career pivot, or simply redesigning your life with intention, this episode offers a real, unfiltered look at what comes next.

Get my FREE 29-Page Financially Fit Money Guide

In this episode:

[00:00–00:39] Introduction & Rebroadcast from the Mile High Five Podcast

[00:40–03:25] The Reality of Early Semi-Retirement & Identity Shifts

[03:26–05:57] Leaving Sales Behind — The "Golden Goose" Job Dilemma

[05:58–14:38] Launching Fit Rich Life & Facing an Identity Crisis

[14:39–19:37] Hidden Burnout, Overachiever Mentality & Self-Worth

[19:38–34:53] The Power of Relationships, Soft Skills & Community

[34:54–41:25] Living the Fit Rich Life — Balancing Work, Health & Purpose

[41:26–46:01] Temptation to Return to Sales & Finding Meaning Beyond Money

[46:02–51:37] Building an Online Business, Pickleball & Physical Competition

[51:38–01:03:56] Creating a Supportive Environment & Navigating Semi-Retirement

[01:03:57–01:17:31] Coaching, Final Reflections & Words of Encouragement

Resources Mentioned:

https://milehighfi.com/podcast/297-justin-david-carl-identity-purpose-semi-retirement/

https://milehighfi.com/podcast/204-fit-rich-life/

Transitions Book by William Bridges: https://a.co/d/0BcpfU4

Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/

FIT RICH LIFE NEWSLETTER
Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life.
Join here: https://fitrichlife.com/newsletter

WANT TO LEARN MORE?
Follow me on Instagram: https://www.instagram.com/justindavidcarl
Follow me on Threads: https://www.threads.net/@justindavidcarl
Follow me on Twitter/X: https://x.com/justindavidcarl
Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl

SHOW SPONSORS:
I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.

From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$!

Thanks for tuning in!

If you liked my show, LEAVE A THUMBS UP, share, and subscribe!