How to Lower Every Bill in Your Life in 60 Days

In this episode of the Personal Finance Podcast, we are going to talk about  how to lower every bill in 60 Days. 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! DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc. This episode is sponsored by Plaud https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore. Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Function is offering 160+ lab tests for $365 to anyone who signs up. To get started, visit www.functionhealth.com/PERSONALFINANCE Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Links Mentioned in This Episode: How to Negotiate Your Rent Like A Pro (and win the negotiation!) The Insane Cost Of Childcare and Ways to Help Reduce That Cost! 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

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• 0:00Andrew Giancola?

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• 0:44Andrew Giancola?

  Search Whatnot, that's W H A T N O T, in the App Store. Download and start selling right away. When I started the Personal Finance Podcast, I had no idea how big it could become. I just knew I had something I wanted to share, so I started putting it online. And looking back, I definitely wish I would have started a decade earlier. One of the horror parts about building something online, though, is making it look professional. A website used to mean hiring a developer, figuring out design, and potentially spending thousands of dollars. In fact, on my website, I spent tens of thousands of dollars. That's what impressed me when playing around with Hostinger's AI website builder.

• 1:27Andrew Giancola?

  I told it what kind of website I wanted, and I built the first version in minutes. No coding, no designer or developer needed. And Hostinger doesn't stop at launch. Their AI can help with SEO, website copy, email marketing, and more. Plus, your domain, website, email, and marketing can all live in one account, with plans starting at just $3 every single month. Hostinger builds your vision step by step. Create your website today. Go to hostinger.com/pfp and use code PFP for 10% off now. On this episode of the Personal Finance Podcast, how to lower every bill in 60 days.

• 2:23Andrew Giancola?

  What's up everybody and welcome to the personal finance podcast. I'm your host Andrew, founder of mastermoney.co and today on the personal finance podcast, we're going to be talking through how to lower every bill in your life in 60 days. If you guys have any questions, make sure you join that master money newsletter by going to mastermoney.co/newsletter and don't forget to follow us on Spotify, Apple Podcasts, YouTube, or whatever podcast player you love listening to this podcast on. And if you want to help out the show, consider leaving a five star rating and review on Apple Podcasts, Spotify, or your favorite podcast player. Now today, we have an action packed episode because I am going to go through

• 3:05Andrew Giancola?

  the framework to lower every single bill in your life within the next 60 days. Now in this framework, my goal is to go through eight different weeks where each week you are doing some very specific activities so that you can lower your costs over time. Now, this is going to be a very important component to this list is that once you start to lower costs in some of these areas, I want you to utilize what we call the CIA method, because the number one thing that happens for most people is that when they cut back on something, when they cut back costs on a subscription, or when they cut back costs on their insurance, they usually do not identify where those dollars need to go. And so what happens is that money goes into your checking account, it just gets commingled with everything else, and then you just waste it on something else.

• 3:50Andrew Giancola?

  I don't want you to waste these dollars. We don't cut back money in order to just waste them on other things and consume other things. Instead, what we want to do is direct those dollars towards things that we actually value. That is why we spend our money is so that we can put it towards things that we actually value. So we're going to cut back on things that we don't value, take those extra dollars and put them towards things that we do value. Now, maybe you value something like your retirement accounts and you haven't really been saving for retirement, you want to get more money in your retirement accounts, or maybe you want to save up for your emergency fund, or maybe you want to save for that family vacation this summer, you're saving for a wedding. It doesn't matter what it is, but when we cut Back, we need to make sure that we are identifying where those dollars are going to go. And so here's how the CIA method works for those who are new to the show is you cut back,

• 4:33Andrew Giancola?

  meaning you cut a specific item. Let's say you cut back on your Netflix subscription and you get 20 bucks. Okay, let's say you have 20 bucks back in your pocket. Then you identify where you want that $20 to go and then you automate it towards whatever that goal is. So let's say you save $20, you want to put an extra $20 into your brokerage account. Okay, so you're going to cut back that $20, you're going to identify, okay, this needs to go to my brokerage account and then you're going to automatically transfer that money every single month, that $20 into your taxable brokerage account. That is exactly how this works. It is just a very simple system that allows you to redirect dollars towards your actual values. It's very easy. So we're going to go through how to lower every single bill in your life. We're going to go through every area of your life in the next 60 days.

• 5:16Andrew Giancola?

  And the structure is an eight week structure where we're going to go through everything from your subscriptions, your utilities, your insurances, your auto payments, your rent, your transportation costs, to family and kid bills and everything else in between. There's a ton of stuff in this episode and if you want us to create this framework in a free guide, let us know and we'll send that over. All right. So without further ado, let's get into it. All right. So week one is going to be the initial audit. Now, this is a very important week because this is going to help us develop a plan to cut back as much as we possibly can. Because once we start to cut back on specific items where we spend too much, we can take those dollars and put them towards our financial freedom and start to build wealth for ourselves and our families. And so this is going to be a huge, huge win for a lot of you out there.

• 6:01Andrew Giancola?

  So we have a couple of goals when it comes to week one. One, we want to see what is everything we are paying for currently? What is every single dollar that is leaving our hands, our hard earned dollars are leaving our hands and going out somewhere else? We need to know where we are putting those dollars. Two is we are going to cancel what we don't use. If there are things out there that is just low hanging fruit, we know we don't use it. We've needed to cancel it for the last couple of months. We need to cancel that. And then three, we need to set the stage for negotiations. Some of this stuff, we're going to be negotiating to get lower rates and I'm excited for you because those are where you can save the Most you can save hundreds of dollars per month just by learning how to negotiate some of this stuff. Okay, so here's the steps that we're gonna start with, okay?

• 6:42Andrew Giancola?

  Is number one, I want you to download the last three to six months of bank and credit card statements. Now, if you pay insurances every six months, for example, I want you to go back all the way six months. Or if you pay specific bills every six months, then you need to go six months. If you pay things monthly or quarterly, then you can go back three months and you should be okay. Now, if you really want to nail this, I'd go back six months just to be safe, okay? And what I want you to do is do a couple of different things. You can either get three different color highlighters, or you can just get out a pen and make a note on these things. We're actually printing these out, you don't have to print them out. You know, you can do this on your phone and kind of write with your phone. If you have an iPad or with an Apple pencil or something like that, you can write with that or a tablet, whatever else. And I want you to look through your recurring charges, okay? And I want you to highlight in three different ways.

• 7:25Andrew Giancola?

  One is cut now, meaning this needs to get out of my life. I don't use it enough, it doesn't bring me any value, I need to cut this back now. Two, and this is a second color, typically I take three colors highlighters and I will, each one is a different color. Number two is negotiate. This is a bill that I want to go to this actual provider and start negotiating this bill. I need to have this bill, maybe it's insurance, maybe it's my rent, it doesn't matter what it is. But I need to go back and I want to negotiate this bill. Cable, cellphone service, those are big ones also that most people need to negotiate. So even if you are looking at this and saying to yourself, well, I don't know if I can negotiate this. You can negotiate anything, anything in this life.

• 8:05Andrew Giancola?

  So what I want you to do is highlight the ones that you think you can negotiate if you want to keep them, okay? And then number three is to keep as is. So keeping as is would be something that you really cannot control. Maybe it's your mortgage payment, something like that, okay? So currently, we have those three categories that we are thinking through. So go through your bank statements, whether it's digital, whether it's physical. For some reason, I like physical, I do everything in my life digital and I literally never print anything out. But when I do exercises like this, for some reason, I like it on paper. So for me specifically, I would print it out and start to highlight. For some of you, you may hate paper even more than I currently do. And so you just don't want to print it out, you want to do it on your phone or wherever else, okay? Next is we're gonna get some quick wins in week one.

• 8:48Andrew Giancola?

  Okay, because as we look at this, we marked everything cut negotiate, keep as is. But if you see dead subscriptions that jump out at you immediately, things like unused apps or forgotten trials or old magazine subscriptions, any of that kind of stuff that you can just do boom, really quick wins to get removed. I want you to go in there right now and I want you to start removing some of those items. So there's a bunch of great examples out there, but let's just say you have an old magazine subscription and you keep getting these magazines in and when the magazine comes in, you just literally throw it in the trash. You don't even read through it anymore. That's the case, figure out how to go cancel that magazine subscription really quickly. Okay, we're gonna get into a deeper dive on subscriptions later, but these are just the quick wins that you can recognize right now. And then lastly, I want you to get set up with some sort of spending tracker to help

• 9:33Andrew Giancola?

  you through this process. You can do it with empower has a free version. You can do this with Monarch Money. You can do this with YNAB. You can do this even with a spreadsheet where you're just doing tracking and you're doing it the free version. YNAB, Monarch Money are paid versions, really good paid versions though. And then the other ones are free versions. Okay. And so this is what I want you to do is kind of get set up with a spending tracker so that you can monitor this every single week as we go through the next seven weeks after this first week. So right now, week one, if you're starting this process, I want you to follow those steps. Okay, here we go again. Here's the steps one more time. Print out three to six months of banking credit card statements. Highlight recurring charges. Okay, mark these cut now negotiate or keep as is cancel any dead subscriptions immediately

• 10:18Andrew Giancola?

  and then set up a spending tracker of some sort. That's a plenty of stuff to get done on the first week. There's five steps there. You can do one each day. You could do it all at once, but it's up to you. You need to go through and start to do that. Now let's go to week two next.

• 10:33Andrew Giancola?

  All right, so in week two, we're gonna look at internet. We're gonna look at cable and we are going to look at streaming services. Okay, so internet, cable, streaming services and phones. So these are gonna be the four areas that we're gonna look at first. So first, I want you to look at your internet provider. Your internet provider is likely associated possibly with your cable TV if you have cable. If you don't, if you cut the cord, then it's separate. But I want you to look at your internet and say, okay, do I need this speed? For a lot of us, we're going to want higher speeds. It is a great luxury to have when your computer lags, or your phone lags, or your TV lags when you're streaming. There is nothing worse than that. It is the most frustrating thing in the world. But a lot of houses right now, we have way more speed than we even need.

• 11:17Andrew Giancola?

  If it's just you and a roommate, or if there are not very many people in your household, you may have way too high of speeds that you don't even need. So I would go to my internet provider, and I would call them up and say, hey, this is where I currently am. Do you have any current deals going on right now? And they're going to start to talk through this situation with you, and you may be able to get this number reduced. You could probably save 10, 15, 20 bucks just by calling them up. Now, this is per month. And what I want you to do is when you think about this, because we're going to add all these up at the end. But what I want you to do is start to add up the total number that you are saving throughout this process, okay? Let's say, for example, that you go out, and you save $20 on your internet. Then, you go to your cable TV provider, and maybe they're separate, maybe they're the same,

• 12:00Andrew Giancola?

  and you save 10, 15, $20 on your cable TV. And then, you save another $10 on streaming services. I'm doing this for easy math. So 20, 20, 10, okay? You just save $50. That means you save $600 so far this year just by doing those three exercises, okay? $600 in one year. And as time goes on, and as we go through all this, if you save hundreds of dollars, that is a multimillion dollar decision that you are making just by cutting these back. If you look at the difference, if you invested those dollars instead. Really powerful stuff that we're doing here. Even though it sounds like it's small things, we're actually doing all of it at once to make a big impact on our finances. When you just cut back one daily latte every single week, or you just cut back on going out to eat once a month, it's not going to make a big difference. But when you do all of this at the same time

• 12:45Andrew Giancola?

  with a proven system like we're talking about here, this is the system I go through once every single year, then you'll be able to reduce the amount that you're spending, okay? Next, we have streaming services are a big one, and cable. Both those two things. So if you have YouTube TV like I do, for example, or if you have Sling TV, there's a bunch of them out there that are Our streaming services and cable, go look at those. I've told this story a number of different times now, but about a couple of months ago, called up my cable company, they raised my rates to $240 per month. It was cable and internet bundled together. I dropped it all the way down to $110 per month just by calling them up and negotiating it. It's over $100 per month, over $1,200 per year, just by having this call and this negotiation.

• 13:27Andrew Giancola?

  So you can call them up and say, hey, I feel like I'm paying way too much. Do you have any deals going on? Same thing with the internet provider. They're going to talk through some of those deals. They'll help you reduce your rate and you say, that is not good enough. If you can't help me, I am going to have to cancel this. And you continue to do that until they literally do not lower it anymore. This is not something where you're going to be happy, go lucky and fun. You're going to be very respectful, very nice, but you have to continue to say that until they lower it all the way down to the number. I had to say it four times with my cable provider before they got it all the way down to as low as we possibly could get. And so that is something you definitely want to do. If you have a landline right now in 2025, do you need that landline? If not, go ahead and cancel it. Now, sometimes you bundle your landline in and they say it saves you more money. I doubt it, but sometimes that is the case.

• 14:12Andrew Giancola?

  And then cell phone plans, this is a big one for a lot of you out there. Go take a look at your cell phone plan, whether you're with T-Mobile or Verizon or whoever else. And look at your cell phone plan and say to yourself, is this the best plan for me? Mint Mobile, for example, is a great option that is going to reduce the cost of your plan, especially if you own your phone already, if you're not making payments on your phone or whatever else. If you own your phone outright, then being able to go to a service like Mint Mobile can be a fantastic option if you are trying to reduce the cost of your cell phone service. Most people out there can save 50 bucks a month just by changing cell phone services if they are paying too much. So this is something I think a lot of folks out there need to consider if they are overspending on their phone plan. So a couple of things that you can do here.

• 14:55Andrew Giancola?

  Again, we're going to review all this, but you can run a speed test and are you paying for way more internet than you need to use? Check who else offers service in your area. Ask for their pricing compared to what you are spending on all this stuff. Review streaming overlaps. So are you paying for YouTube TV and you have some sort of cable TV subscription as well? Well, that's going to be an overlap. You need to look into. Here's a couple of extra things that you could do. One is see if you can bundle internet and cable together. That may help you. You can also bundle internet, cable and cellphone service sometimes. And that may help reduce your costs. Drop any premium channels that you don't watch. If you're like me, the only cable I watch is sports. So the only thing that I will watch on TV is live sports.

• 15:36Andrew Giancola?

  Specifically, I watch a lot of the NFL, a lot of the NBA, a lot of golf, a lot of those types of things. And when those sports are not in season, I literally don't watch cable hardly at all. Which is why I like streaming services, like some of the ones that I currently utilize. YouTube TV, those types of things. The reason why I do that is because I can just not pay for them the months that I'm not using it. And so it saves you money just by turning it on and off when you need to. So if you have that flexibility, it is nice to have in a number of different areas. But stay polite, let them answer and ask for loyalty retention. Loyalty departments, if you've been with some of these companies for a long time. But making sure you negotiate on all these different things is going to be really, really important. Now, we are developing what is called Master Money Academy. In Master Money Academy, we're going to actually have lessons on exactly how to do this.

• 16:21Andrew Giancola?

  And when we talk through that, it's going to be our community where we are going to teach you how to build wealth in this community. It's going to be a bunch of people who want to be wealth builders or who are wealth builders, who are going to be building wealth together. And in this community, we're going to be talking through scripts and everything you need to be saying to each of these providers. Really excited about that. And it's going to be something that is going to be really, really cool. So if you want to sign up for the waitlist for the Master Money Academy, by the way, we have that coming up here soon. We're going to have a page coming up for Master Money Academy. We will link that up down below. If you want to be on that waitlist. We're going to actually test it out with a beta group. And so we're working through that now so that you guys can have that available coming up. So that is week two. It's internet, cable, streaming, phones. Those are the big ones that I want you to think through.

• 17:03Andrew Giancola?

  And week two is going to be one where you're going to work through each and every single one of those so that you can actually get this done. Now, let's go to week three. All right, so week three is going to be utilities and home services. So this list can get long depending on what you do. But there are going to be a number of different things that I want you to think through as you start to review some of these bills. Number one is electricity. Now, electricity is one of those bills. There's not much you can do except for focusing on some efficiency things. And when it comes to some of that stuff, when it comes to electricity, I would think through getting an energy audit, meaning you can call up your specific company. They will come and do an energy audit and say, hey, this is the kind of stuff that's sucking out a ton of energy. Maybe it's your AC unit.

• 17:47Andrew Giancola?

  Maybe it is the types of light bulbs you have. If you have old light bulbs, or maybe it is, you know, some specific appliances that you have. You want to know kind of where the major usage is coming from. And any vampire devices is what a lot of them call that, is thinking through that. You can also set up like making sure you have smart thermostats, setting up those thermostats in a way that becomes more efficient. I am the type of guy who likes to have their house freezing cold. I am always hot. I run really, really hot. And so my house is always freezing cold. I don't know about you, this may be hot or cold to you. I keep my house normally like around 72 during the day, which is not freezing cold, but some people think it is. Like when my parents come to my house or my in-laws come to my house, anytime they come, they say my house is absolutely freezing. They're from the baby boomer generation.

• 18:32Andrew Giancola?

  And so they always think our house is freezing. And then I sleep at night at 69. And that's how I keep my house. That is something that I truly, truly value. I'm not changing that. That is not something I'm ever going to change. And so that is one of those things where I'm not willing to change. Some of you may not be either, but if you are willing to be making some shifts there and making adjustments to thermostats, lighting, that type of stuff can help you. Looking into gas, heating and oil. So I'm from Florida. I have not had a ton of experience with heating. We barely ever turn our heat on, but that could be another big thing. I do have gas at my house. We do have gas lines for our stove, things like that. And my gas bill is so low that I don't think there's much else I can do on that. I think it's 30 bucks a month, something like that. Next is water and sewer.

• 19:16Andrew Giancola?

  Water bills are one of those things that I feel like sometimes they just make up how much you used. But in all seriousness, water bills, there's not a ton you can do, but you can, again, request some sort of audit to figure out if you are spending too much on water. It should not be a crazy amount. So if you are spending too much on water, you need to look into that. Trash collection. This is one that if you are not working with either a city company and/or if you're not working with a specific municipality, then you can start to shop around for trash collection companies. Okay? So my first house that I bought was not within a city or county limits that had a trash company. So we had to use private companies. And when we did that, I would shop around the trash companies every single year to see if I could reduce that bill. And so usually

• 19:57Andrew Giancola?

  I would save $20, $30 by shopping around the trash company because then after the first year, they always want to start to raise your rates. New trash companies come in and they want to acquire new customers at a lower rate. And so this is the game that I would play all the time. And this is just all going to add up as time goes on. If you do all of this at once, then you can add this up over time. Home security. If you have a home security systems, you know, those can get really expensive. Those rates can raise up over time. Making sure you're shopping those is really, really important. We have a home security system that came with building our house and they change those rates all the time. And I always have to call them up and try to make sure that they are not getting too high. Pest control is another big one. So if you have a pest control company that comes to your house and/or they spray the lawn, whatever

• 20:39Andrew Giancola?

  else, those companies also will raise your rates over time. So just making sure you're shopping around for companies that are good. Now, a lot of times, here's one big note I will make is when you're shopping around on some of these companies, specifically as we talk through some of these, you can switch companies and get a way worse product. So if you have a company that you are working with currently that is doing a fantastic job and you never have to worry about it, that is a great thing because the next one's lawn care. If you have a lawn care company out there that works through all of the, you know, that mows your lawn, that trims your hedges, whatever else, then you can shop those around too. But for example, my first lawn care company would miss spots all the time. They wouldn't show up certain weeks. All these different things would happen. My current lawn care company is cheaper now and I have literally never had to call them

• 21:23Andrew Giancola?

  up for anything. They literally just handle it every time. Everything's perfect whenever they handle their situation and they are fantastic when it comes to price for the You provided. And so that is something to think through too. If you have a company who you really never have to worry about and they do an amazing job. Sometimes it's not worth switching because of the stress or the amount of time that you have to spend managing that company. And so that is one that I would think through as you start to go through. So pest control, lawn care and house cleaning. If you have house cleaners, just shopping that around is worth it too. You could save 50, 100, 150, 200 bucks. And really, over time, that can really add up. But again, if you have really good house cleaners that you trust to be in your home, that is not something always to change. But just review the past 12 months on these.

• 22:06Andrew Giancola?

  Note for seasonal spikes or anything like that and think through some of these big utility and home services bills. Because all of those really, really will matter. So the ones that you can control again are trash collection, home security, pest control, lawn care, house cleaning, anything else that you have at your house, maybe any, you know, regular maintenance that comes to your house or whatever else. Those are big, big deals. Like for example, our AC unit we run, like I just told you, 69 at night all the time. We run it really hard on our AC units. And so, you know, I get a service to come out every single year to make sure they do maintenance. It's actually every six months. So things like that. Those are things that you definitely want to continue to note and review on some of those seasonal spikes. Even the companies, like if you have a water softener that deliver the salt for your water softener,

• 22:50Andrew Giancola?

  if you do that, or if you go out and buy it, you can kind of review those types of things as well. Anything you could think of, just review the past 12 months and make sure that you are making those adjustments. Also, some of these companies, if you switch to auto pay, they will actually reduce your bill by five or 10 bucks. Worth at least looking into. And so for most of them, you should be on auto pay anyway, if you're automating your finances. But if you're not, just look through all those. And then again, keep asking for those energy audits every year. Many utility companies will offer it just so they can see what's going on. And you could call up some of these companies and say, hey, I want to review my plan. Are there any rate plans or efficiency programs that I'm missing out on? And sometimes they can help you lower your bill. So talk to them. You could talk through this with the power companies and the utility companies. They can help you try to become more efficient.

• 23:35Andrew Giancola?

  And so a lot of them will offer that service and it is something that I think is pretty useful at times. I've also done it at times and they didn't help me at all. So just. Depends on where you are located and some of the stuff that goes on there. But again, let's think about this for a second. So we just went through the first three weeks. Let's just say, for example, that you saved yourself 100 or 200 bucks every single month. Now, let's just look at where that would land if you did that, okay? If you started from zero and you saved an additional $200 per month over the course of 30 years at the average S and P 500 rate, that is $412,568 if you invested those dollars instead that you saved over 30 years. Let's look at it over 40 years because this is going to be a lot bigger of a number. $1 million just in the first two weeks.

• 24:18Andrew Giancola?

  If you saved $200 every single month, that is $1.1 million that you just saved. If you invested it instead, if you did the CIA method and you identified and you move that $200 somewhere else, that it means it's $40,000 per year and free cash flow that you would have that you could live on. An additional $40,000 because every $1 million invested, 4% drawdown means $40,000 that you can actually live on. It's actually a little more than that, 45. So this is something I think a lot of people need to really take seriously. Just those couple of steps are going to make a big, big difference. Now, we're going to get into week four, which is where you can make huge leaps and bounds on insurances.

• 24:58Andrew Giancola?

  All right, if you've heard any recent episode of Health Corner, you know that I have spent the last few years trying to optimize my sleep. I've tried sleep trackers, cooling my room, changing my nighttime routine, all the different things, but nothing really matters as much as having the right mattress. And that's one of the reasons I love Lisa. A great mattress is one of those things that you use every single night and you spend a third of your life sleeping. And it can make a huge difference on how you feel the next day. Lisa has mattresses designed for different sleep positions and comfort preferences. And their sleep quiz can help you get matched in less than two minutes. Plus, they're designed and they're assembled in the USA and they come with free shipping,

• 25:41Andrew Giancola?

  easy returns and a 120 night free sleep trial. So go to lisa.com for up to 30% off mattress plus and get an extra $50 off. With promo code PFP, exclusive for my listeners. That's L E E S A dot com promo code PFP for 30% off mattresses plus an extra $50 off. Let them know we sent you in the survey after checkout. Lisa.com promo code PFP. My relationship with money has changed a lot over the years. Early on, I thought building wealth was about making more money. Now, I know it's really about having clarity. When you know exactly where your money is going and whether you're on track, you make better decisions.

• 26:26Andrew Giancola?

  That's one of the reasons I love Monarch. It's the personal finance app that tracks everything from your accounts and investments to your savings, goals, and spending. So you can see your entire financial picture in one place. One habit that's made a huge difference for me is my five-minute drill every single morning. I open Monarch, check my spending, investments, cash flow, and net worth, and I'm done in just a few minutes. It gives me confidence that nothing is slipping through the cracks. I also love the AI weekly recap because it'll flag spending changes, upcoming expenses, or shifts in my net worth before they become a problem. Instead of reacting after the fact, I can make adjustments early. It really feels like having a financial advisor in your pocket. Write your own money story with Monarch.

• 27:11Andrew Giancola?

  Use code PFP at Monarch.com to get your first year of Monarch Core half off at just $50. That's 50% off your first year at Monarch.com with code PFP. If you've been listening to this show for a while, you know it's not just me anymore. It takes a great team behind the scenes to make everything happen. And if I had to hire someone tomorrow, I'd want someone who could jump right in and make an impact. That's why I'd use Indeed Sponsored Jobs. When workplace chaos hits, Indeed Sponsored Jobs helps you reach qualified candidates faster. Your job gets boosted in search results, so you're spending less time searching and more time interviewing the right people. Plus, you only pay for results, which I absolutely love.

• 27:55Andrew Giancola?

  Sponsored jobs posted directly on Indeed are 95% more likely to report a hire than non-sponsored. Sponsored posts. That's a huge advantage when you're trying to grow your business. Spend less time searching and more time actually interviewing candidates who check all of your boxes. Less stress, less time, more results. When you need the right person to cut through the chaos, this is the job for Indeed Sponsored Jobs. And listeners of this show will get a $75 sponsored job credit to help get your job the premium status it deserves at indeed.com/podcast. Just go to indeed.com/podcast right now and support our show by saying you heard about Indeed on this podcast.

• 28:36Andrew Giancola?

  Indeed.com/podcast. Terms and conditions apply. Need to hire? This is a job for Indeed Sponsored Jobs. It's kind of amazing how much can change in just a single year. Every summer, the kids are a little bigger, a little more independent, and life looks a little different than it did the year before. And it reminds me that while we can't predict the future, we can prepare for it. That's one of the reasons I like PolicyGenius. See, PolicyGenius isn't an insurance company. They're an online marketplace that lets you compare life insurance quotes from some of America's top insurers, side by side, for free. And their licensed team helps you compare coverage, prices, and terms, answers your questions, and even handles the paperwork so you can get the right policy without the hassle.

• 29:22Andrew Giancola?

  For me, having life insurance isn't about expecting something to happen. It's about knowing my family is protected so I can actually enjoy these moments together instead of worrying about what comes next. And with PolicyGenius, you can find 20-year life insurance policies, starting at just $276 a year for $1 million of coverage. Head to policygenius.com to compare life insurance quotes from top companies and see how much you can save. That's policygenius.com. So, insurance is the next big one. And this is going to be one, I think, that is going to help people when it comes to saving money on their bills, when it comes to auditing these policies. This is where you can save hundreds of dollars.

• 30:03Andrew Giancola?

  And it is a big, big difference on what you can do and what you can save on. So, let's dive into this first, okay? We want to look at homeowners and renters insurance. This is a spot that I I think for a lot of people, they can probably save a lot in shopping around. If you are someone who is like bundling together your insurance with, let's say, for example, you're with State Farm. Okay. And you have your homeowner's insurance there, you've got, or your renter's insurance there. But you've also got it like packaged together with your auto insurance and they're all just kind of thrown in. You just know the person, you've been with them forever and you never shopped it around. That is a mistake, my friends. You need to shop around your policies. So a couple of things that you need to do, if you want to save money, is I would find an insurance provider in your local area, who can go to different companies.

• 30:45Andrew Giancola?

  So for example, my specific insurance person, uh, he is a long time friend of mine. But he goes out and he can actually shop my policy to a bunch of different companies. When it comes to homeowners, uh, when it comes to auto insurance, all those different things. Whereas if you go to a specific agent somewhere like State Farm or Allstate, they gotta utilize only the State Farm options that you have. But if you go to someone who can go to a bunch of different companies out there and making sure they're reputable companies, obviously. But they can shop your policy around. In fact, for example, my homeowner's policy is usually a different company every year because he's shopping it around to find the lowest rate for the maximum of what I actually need at my house. And so he does that all the time, every single year, and it switches every single year.

• 31:27Andrew Giancola?

  I can't keep track half the time on who has my policy currently, but it is a great way to save money. Secondarily, auto insurance is the same thing. Your auto policy, I want you to look at a couple of different things. First, making sure you're not over insured on your auto policy. So you could do this in a number of different ways, but you could talk to your agent about your auto policy and what you're insured. You can double check by running your policy through something like ChatGPT and saying, hey, this is my income. This is my situation. This is my vehicle and give it all the information it needs. And it will spit back to you and let you know, hey, you're probably over insured here, or you might be under insured. For a lot of folks out there, especially if you're building wealth and you have a lot of wealth, you could be under insured on your auto policy because if you get in an accident and they sue you,

• 32:08Andrew Giancola?

  the last thing you want is to be under insured and then you're paying money out of pocket for any reason whatsoever. Because they figure out you have some wealth or you're building wealth, those types of things. So you could be under or over insured, but just making sure you audit this once a year is worth the time and energy. Health, dental and vision insurance. So for some of you out there, there's not a ton that you can do if you are getting that stuff through your employer. It is what it is, but you can't audit this to see, A, am I overpaying for my health insurance in terms of the policy that I chose? Should I go with a high deductible health plan and get an HSA paired with that? Should I instead change that up? I spent way too much on healthcare last year and maybe I should just get a standard health plan. Thinking through that kind of stuff is somewhere you can save a lot. And then looking at your life insurance policy.

• 32:51Andrew Giancola?

  If you're young and you bought a life insurance policy that you think you're spending way too much every single month on, let's say, for example, it's not a term policy because term insurance is the lowest you can get on life insurance. That's what we have here. My wife and I both have recently, we were just reviewing our insurance policies and we are going to increase our term policy actually. But if you're out there looking and you're like, I have a whole life or something else, go and review that because you may be spending way too much per month on any other life insurance policy that's out there. This is where you could save hundreds of thousands, if not millions of dollars, just by looking at your life insurance policies if they are outside of term policy. And this is going to be a spot I would highly encourage most of you to take a second look at and gather that info. Now to audit this, you gather your policy info and you look at your renewal dates and then you compare online quotes.

• 33:36Andrew Giancola?

  So you can even do this with a bunch of different places, like our favorite place, for example, on your life insurance policy is obviously Policy Genius. They are fantastic. That's where I got my policy from and they are really, really good. And then check on your coverage levels. You know, too much? Is it redundant? Is there a ton of overlap here? Can you bundle these policies together if you like your provider and save some money there? That is another thing that you can do if you want to. Now, if you have a big emergency fund, you can raise your deductibles if you have a really large emergency savings and you are happy with that. And you can drop optional coverage that you don't need anymore if you do not want to have that coverage is another way to kind of shop around on some of these policies. But aggressively shopping your insurance is something you really should do yearly. It saves you hundreds of dollars. And let's say, for example, that you just saved another 200 bucks.

• 34:20Andrew Giancola?

  Let's see where we are on that. If you saved another $200 on insurance, so you saved on the first couple of things, you saved 200 bucks a month. Now you're saving another 200 on insurance. You'd be at $2.2 million over the course of four years, just by saving $400 so far with the first couple of steps that we took there. And so that is a big, big deal. Now, we're going to get into week five, which is debt and loans.

• 34:44Andrew Giancola?

  So if you are in debt, and this may not be everybody, but then you're going to utilize week five for your debt and loans. If you're not in debt, then you can move to week six, which is next, and move that up to week five. But if you're in debt, maybe you have credit card interest. Maybe you have personal loans. Maybe you have student loans, all these different things. We are going to do a big audit here. This is another place that you could save hundreds of dollars just by looking at some of this stuff and making sure that we make adjustments here. Let's look at credit card interest first. Now, for those of you who are in credit card debt, and maybe you don't know this, but you should know this. Tough love here, but you should know this is that your interest rate on credit cards is really, really high. In fact, it is so high that it is detrimental to your ability to build wealth long term if you have a credit card debt.

• 35:28Andrew Giancola?

  So this is a pants-on-fire emergency that you need to take care of immediately. Now, a couple of things that you can look at for credit card debt, or if you have personal loans with interest that's really high, or if you have student loans with interest that is really high, all of these, you can look at a couple of different things. One is you can call up your credit card company, and you can say, "I would like to request a lower interest rate." If they will not do that, then you move on to step two, is you can consider a 0% balance transfer if you can pay it off in the promo period. How these work is let's say you have $10,000 worth of credit card debt, okay? And if you transfer it over to a 0% interest rate credit card, then you have 12 to 18 months, for example, to pay that $10,000 off. If you think you can pay off that $10,000 into 12 to 18 months,

• 36:12Andrew Giancola?

  this is worth it to do it because you have to be disciplined enough to pay it off. But if you can move it over there, that is a great place to start, okay? Same thing with personal loans. If you can refinance those personal loans at lower rates, you would definitely want to do that. A lot of folks out there are getting personal loans now for various different reasons. And if you get a personal loan, making sure you refi out of that current personal loan to a lower rate is really important. And then for student loans is to explore some income-driven repayment and refinance options. If you are with a federal student loan and you want to refinance it, you just got to double check and think about that because you will not be eligible for any income-driven repayment plan stuff that comes up later on in the line. So if you refinance to a private

• 36:53Andrew Giancola?

  Institution, then that could be something that does not make you eligible for certain things. You gotta be cautious with student loans on refinancing and understand what you're getting into, but they are definitely worth at least having conversations, trying to get your interest rate lowered. These debt payments, getting your interest rate even lowered 1%, 2%, 3% is a big deal, because it will save you a ton in interest over time. Now, for negotiation, when you're calling up these companies, saying, "Hey, I've been offered a lower APR elsewhere. Can you lower my rate to keep my account open with you guys? I really don't want to have to go through the hassle of moving it over there, but if I can't get my rate lowered, I will." So can you guys just lower my rate for me? And you just talk through that with them. That's kind of part of the negotiation script. If you have any other debt out there that you want to start to negotiate, then definitely go through and start negotiating these.

• 37:37Andrew Giancola?

  All debt falls into these parameters, but trying to either refinance, negotiate the interest rate, and/or finding ways to just make your payments less painful is going to be the big thing there. That'll save you hundreds of dollars alone if you have that.

• 37:52Andrew Giancola?

  All right, on week six, now we are on six weeks in. You gotta stay disciplined, continue to follow through with this plan. We are going to go through the next big thing, which is transportation. So we already talked about car insurance in the insurance section, but we want to look at a couple of different things. We want to look at our car payment. We want to look at fuel. We want to look at, you know, any roadside assistance that you have, parking permits, tolls, and vehicle maintenance, okay? These are all the areas that we want to start to review. Your car payment is first. A lot of you listening right now are driving around in that beautiful, brand-new car, or maybe that slightly-used car that you purchased, and you've got yourself a nice car note on that car. Nothing wrong with the car note, as long as it fits within the correct parameters that you can afford, okay?

• 38:34Andrew Giancola?

  And for most Americans out there, they're driving around in a car that they can't afford. If your payment is $700, $800, $900 per month, $1,000 per month, $2,000 per month, because you've got two vehicles, then you're likely overpaying for your vehicle, okay? You should not be spending more than 12% on all of these different things when it comes to fuel, maintenance, your car payment, all that different stuff. It should not be above 12% is the max I'm talking for payments and anything else associated with your car, okay? Usually, your payment should be 7% or less of your income, and then the other 5% should go Go to gas and maintenance. That's what usually should happen. If you are above that, then you are most likely overspending on transportation and you need to take a second look at this. Okay. And so here's a couple of things that you could do. You know, we already talked about car insurance. That's a place that you can get multi-car discounts.

• 39:18Andrew Giancola?

  There's a lot of things you can do there, but secondarily, look at your payment and say to yourself, what is my interest rate? If you signed up and have been paying a car payment at an eight, nine, 10% interest rate over the course of the last couple of years, because interest rates rose in 21 and 22 and 23, then it's time to look at those and try to refinance them. Now I have found that when you refinance auto loans, that one of the best places to do this is credit unions. Your local credit union typically has some fantastic interest rates when it comes to auto loans. And so if you are in an area where you have a local credit union, go talk to them, see what the interest rate is. If you can lower your interest rate a couple of percentage points, worth it. The closing costs usually aren't that much. Sometimes they'll cover closing costs for you because those credit unions run promos.

• 39:59Andrew Giancola?

  Ask them to cover the closing costs for you if they will, and then try to refinance into those credit unions to try to lower that interest rate. Okay. That's a big one for sure. Secondarily though, is looking at your car payment and saying to yourself, I just bought this car. It's not underwater yet. Do I need this actual vehicle? Some of you who have way, way, way overspent and it is causing you stress and anxiety and you feel that pain in your chest. Your chest feels tight just thinking about your car payment every single month. You might be in a situation where we need to look at different options. There's nothing wrong with doing this. There is nothing wrong with downgrading your vehicle until you get to a point in time where then you can afford that beautiful vehicle once again. And so this is another thing just to think through. It's hard to do.

• 40:42Andrew Giancola?

  I understand how hard this psychology is to even get this done. Most people will never do it. But are you most people or are you going to be someone who is an outlier who is going to build wealth? But making decisions like this, when it gets hard, is what separates true wealth holders from people who are just never going to do it. People who are never going to be able to build wealth are those who just continue on with their car payments for the next six years or whatever else you signed up for. And so this is a time where you could find the fork in the road and make a difference to your bottom line. When you're shopping rates. Making sure you refi, making sure you look at insurance, making sure you find routes that are the best for you can be great. Now also, if you have a commute where you are going through toll roads, and let's say, for example, you're spending a hundred dollars a month on tolls,

• 41:26Andrew Giancola?

  not uncommon for folks who have to go through toll roads. Are there other routes? Maybe it's five minutes longer, but are there other routes that you could take where you could save that hundred bucks? If it's five to 10 minutes, it might be worth it. If it's not five to 10 minutes, then it's probably not worth it. But you gotta look at those and say, is there a route that you can save on saving money on tolls, those types of things? So that's just some ways to save on auto loans for gas. I mean, I'm not big on like trying to find the cheapest gas station in town. It doesn't save you enough money, in my opinion. Five dollars per fill is not just not worth it. But if you want to do that, you definitely can. You can use tools like GasBuddy, for example, and you can find the cheapest gas that way. But I'm just not an optimizer for gas because I honestly don't even look at the price of gas when I pull

• 42:07Andrew Giancola?

  into a station. I just go. So for me, that's not a huge deal. And then if you have roadside assistance, just shopping that around. If you have AAA, a lot of times your insurance actually provides roadside assistance. And so, you know, if you're with the big carriers like a State Farm, Allstate, those types, a lot of times they will offer you roadside assistance. So making sure that you look at that. If you're carrying AAA and your insurance also gives you roadside, you're double dipping there. You don't need both. So just take a look at that if you are doing that. All right, next, we're gonna look at housing, subscriptions, and lifestyle.

• 42:40Andrew Giancola?

  All right. So first, we're gonna look at subscriptions and lifestyle. And I'm also gonna look at housing if you rent, okay? Because you can also negotiate your rent. And we have an entire episode on how to negotiate your rent, if you want to check that one out later on, too. But I'll go through it some here. So first, let's look at lifestyle stuff. So this is week seven that we are on. We're gonna look at music streaming. We're gonna look at books and audiobooks. We're gonna look at hobby clubs. We're gonna look at meal kits, grocery delivery, online courses, gaming, cloud storage, premium apps, and Uber Eats. All right. So for all of these subscriptions, look through your lifestyle subscriptions and list all of the digital subscriptions that you have. I want you to list them all out, okay? Every single one. You have those bank statements audited, pull them out, and cancel the ones that you don't use on a weekly basis. Okay? If you have a bunch of subscriptions, you're like, oh, well, sometimes

• 43:23Andrew Giancola?

  Use that if it's not on a weekly basis, you don't really use it. Okay. Then check for duplicate services. Some people have, I've done this before. For example, when we first signed up for Disney plus because our first born was able to start watching Disney, that kind of thing. I think I signed up and my wife both signed up for separate accounts. We didn't even realize it. We both just signed up for it. And so we had duplicates for like two months and then I realized it after I was reviewing and auditing. And then ended up canceling it. But if you did something like that, or you have duplicate subscriptions, a lot more people have duplicate subscriptions than they realize. Making sure you're canceling those is really important. But list them all out, cancel anything you don't use every week and then go from there. Also, you can downgrade. You can switch to ad supported versions. If you have every subscription out there, let's say, for example, you have literally everything.

• 44:07Andrew Giancola?

  You have HBO, you have Netflix, you have Amazon Prime, you have Paramount Plus, you have Peacock, you have all of it, YouTube TV, YouTube TV premium. Just go through it all and like say, you know, if I downgrade it to the ad version, how much can I save? Maybe you could save 50 bucks a month. It depends on what you can actually save. It may be worth it and or if there are memberships you don't use, maybe you have some of them open for specific shows. Pause them when you're not using them. It's very easy. Also, a lot of these services, if you go to cancel them, they'll offer you a discount for a couple of months, which I know people who do this, they optimize and they try to like, this is not worth my time half the time. But you can go in there and you could say to yourself, okay, I'm going to cancel Netflix. And then Netflix will offer you two months free to keep going, that kind of stuff.

• 44:49Andrew Giancola?

  There's stuff like that all the time that happens if you want to really hack the system. Secondarily though, and this is the big one, is if you are someone who rents, you can negotiate your rent and you want to do this like 60 to 90 days out before you actually have your lease come up. But I want you to keep this in the back of your head. And the reason why I'm sticking this into the same areas as the other one is not everybody rents. And secondarily, you need time for this to work out well. So check your end lease date and look for local listings to compare rent prices in your area. Okay, I have a whole episode deep diving into this, by the way. Research rental vacancy rates and if there's higher vacancy rates, that means you have more negotiating power. Meaning that, let's say, for example, you're in an apartment building. And if there's a bunch of vacancies in your apartment building, you have more negotiating power than you think, because they don't want to

• 45:33Andrew Giancola?

  Lose you because they're already struggling to get new tenants into their apartment building. And so making sure that you look at that is a big, big step. Then check for rent increases and look for local tenant laws. You need to really, if you really want to do well on this, because you could save yourself hundreds of dollars a month. If you really want to do well on this, just understand kind of some of your local tenant laws in your area. And then start negotiating 60 to 90 days before your lease is up. Because this is going to be where you can really have time to work through this with your landlord. And point out your reliability. So you can point out your on time payments, no issues, good tenant. You're not calling them all day and night. Then you can ask for a discount if you prepay for a couple of months. And you could offer to sign a longer lease in exchange for a lower rate.

• 46:13Andrew Giancola?

  Sometimes landlords will do this. Now, hard thing with negotiating your rent is if you are talking to someone who is just the manager. And they don't have any power on the cost or what they are going to charge for your specific units. Then you need to make sure that you try to negotiate with a person going up to bat. If you're negotiating with an individual landlord who actually owns the property. And sometimes landlords will say they are the manager, even though they're actually the owner. A little trick for you there. But sometimes they will say they are the manager. But you can start to negotiate with the right person and making sure you're talking to the right person. And then ask if you can downgrade units in the same building also. If your building has a bunch of different types of unit, maybe you are at the top floor. And those are more premium than ones that are lower down in the building.

• 46:56Andrew Giancola?

  Maybe you can negotiate that way too and save yourselves a couple hundred bucks. And when we talk about that in the episode on how to negotiate your rent. I have a bunch of scripts and stuff that we go through as well. Also, if they won't lower your rent, you can ask for extra stuff. Maybe it's free parking, maybe it's free storage, maybe it's a reduced pet fee. Maybe it's utilities included, but try to throw in extra things because there's always extra things they can throw in. To see if you can at least save money on that area. Utilities included is a big one because you can at least reduce that cost specifically. And you're not spending so much on utilities. So all of these are things that you can do when it comes to rent and your housing. And then again, your mortgage is one where you can refi. So looking at your mortgage rate, if you're paying eight, nine percent right now, it's probably in your best interest to look at refinancing rates.

• 47:39Andrew Giancola?

  I'm assuming in the next couple of months are going to drop. But the Fed is still waiting on what's going to happen with a lot of economic things currently. So we will continue to wait for that. But again, you can refinance your mortgage if it makes sense. You just got to weigh out the closing costs and if those make sense for how much you'd be saving. All right. The last one is week eight, where we're going to look at family, kids, rare bills and a final sweep. All right. So for a weekend, we're going to be looking at childcare. We're going to look at school fees. We're going to look at tutoring, extracurriculars, storage units, pet insurance, and a bunch of miscellaneous other things as well. So first, you need to review all your after-school activities. This could be basketball leagues. This could be, I'll just name off some stuff my kids are in, okay?

• 48:23Andrew Giancola?

  Ninja, jujitsu, basketball leagues, soccer leagues, baseball, T-ball. The list just literally never ends. And when you're looking at all these extracurriculars, make sure you actually know what you're spending on this stuff. I added it up one time and I wanted to faint because if you look at how much the extracurriculars for your kids cost, it can get really, really expensive. And over time, if you add that up over, you know, a specific month, it is something that can be a big, big deal. I've talked to parents, for example, that I know who spend $6,000 to $7,000 per year just on their kids' extracurriculars. And as they get older, it gets more expensive. So if you are someone, for example, when I was a kid, I played AAU basketball from age 12 all the way up to my senior year and finishing high school.

• 49:06Andrew Giancola?

  That was really expensive. I remember like every single weekend, we'd be gone or traveling across the country. We would be, you know, going to different tournaments. We would be staying in hotels. That's a really expensive thing. And now it's getting even more expensive nowadays. If you play travel baseball, or cheerleading, or gymnastics, or basketball, or whatever you are currently doing, that can get really, really expensive. So add up these numbers because if your kids aren't going pro, because if your kids aren't going to get a scholarship or going to pro, you've got to really make sure and take a second look at this. Now, obviously, this is hard to downgrade sometimes, but just looking at some of these extracurricular activities can be really important. Secondarily is childcare. Childcare is one. We did an entire episode on this. But childcare is one to also look at, and school fees are another one.

• 49:49Andrew Giancola?

  Childcare for most folks out there who have kids. I know this is a burden for you. I know childcare is tough. It is expensive. It is thousands of dollars per month possibly for some of you to have one to two to three kids in childcare because they aren't of age to go to elementary school yet. And it is really weighing, I think, on the average American, specifically millennials where they have this student loan debt. They have housing. All the time highs, they have childcare they have to pay for, and it just keeps on mounting more and more and more. It is a tough thing to have to deal with, but it is one of those things that we can look at and maybe find a way to save a little bit on. Now, if your kids are at a place that you love and they're at a place where you know they are safe and you can rest, relax, there is no amount of money in the world that is

• 50:32Andrew Giancola?

  worth saving to move them, in my opinion. But if they are somewhere where you're not really happy with in the first place, if you can find somewhere else that may be able to be better for them, then it's worth the spend and/or it's worth cost cutting if it is expensive where you currently are. Just think it through that. Tutoring is another big one for people. Look at your tutoring costs and say to yourself, are they really progressing here? If they're not, thinking about that, any other extra stuff. So let's look at like storage units. If you have a storage unit, you have a bunch of junk in there and you don't ever open that storage unit and it's just been sitting there for three years, then it might be time to get rid of the stuff and get rid of the storage unit. That could save you hundreds of dollars per month. Sometimes I cannot believe how expensive storage units are now. They're like the same price as what rent used to be when you used to rent an apartment. Pet insurance is another one. Are you using pet

• 51:16Andrew Giancola?

  insurance? Look at some of that extra stuff. And then miscellaneous annual passes, maybe you have theme parks or zoos or all that different stuff that you're paying for. Look into those annual passes and review all those activities. Then lastly is do a final sweep and check for bills or auto renewal traps, making sure you know, okay, what is actually renewing every year? Some of these are on yearly things because sometimes you could save money, for example, maybe you have Walmart Plus or Amazon Prime or any of that kind of stuff, and you can save a lot more if you do this yearly. And so if you have a bunch of those kind of subscriptions, or if you have anything where you have to pay a lot more on a yearly basis, just do one final sweep through your bills and then you've completed the eight-week 60-day program. And listen, I hope you got a ton of value

• 51:58Andrew Giancola?

  out of this episode. If you did, thank you so much for being here. I truly appreciate each and every single one of you. Our goal is to bring you as much value as we possibly can. And so we truly appreciate you investing in yourself by listening to this podcast. That's exactly what you're doing when you listen to this show. Listen, thanks again for being here. I hope you share it with a family member, coworker, or friend, and we will see you on the next episode.