18 SCARY Money Statistics in 2026!

Every Halloween week Andrew digs into the scariest financial statistics of the year, and 2026 delivered plenty. This round covers financial infidelity, childcare, abandoned retirement accounts, delivery apps, subscriptions, credit card balances, sports betting, buy now pay later, and a car debt situation that has quietly gotten worse than most people realize. 👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about 👉 Join Andrew’s FREE Investing for Beginners 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 👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit What You'll Learn in This Episode Why nearly half of people in committed relationships know nothing about their partner’s money What childcare actually costs now compared to rent, and the one lever that solves it The $2.1 trillion sitting in forgotten 401(k)s, and your three options for an old one How much more you pay for delivery versus pickup, broken down by how often you order Why people underestimate their subscription spending by about $133 a month The real cost of a $10,000 credit card balance at 24% interest What sports betting is quietly doing to household investment contributions Why first-time homebuyers are now 40, and what insurance costs have to do with it The negative equity numbers on pickup trucks that make the 20% down rule non-negotiable 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 Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/ Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/ Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/ Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP 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 Episode/s Mentioned How to Master Your Student Loans with Robert Farrington https://youtu.be/t146LJRUc0o 19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs How to Buy a Car And Not Get Screwed (in 2026!) https://youtu.be/II-PzXfYUdk Buying a House VS. Investing In the S&P 500 (Which Is Better?) https://youtu.be/6iwf_4iQz0c Is the American Dream Dead? (With Freddie Smith) https://youtu.be/3Ivz8Ts9J2o Tool/s Mentioned Total Cost of of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/ Watch Next Do You Think You'll ACTUALLY Be Able to Retire? https://youtu.be/oT_mCCD9MpI 5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ 12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg 19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs 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 number surprised and scared you the most this year? Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Andrew Giancola?

  On this episode of the Personal Finance Podcast, 18 scary money statistics of 2026.

• 0:15Andrew 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 dive into 18 scary money statistics of 2026. If you guys have any questions, make sure you join the Master Money Newsletter by going to mastermoney.co/newsletter and don't forget to follow us on Apple Podcasts, Spotify, 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.

• 0:59Andrew Giancola?

  Now, before we dive into this episode, just a quick announcement. If you are interested in working with me one-on-one, I am taking a small handful of people. We are getting close to being out of spots and then we'll have a waitlist for folks. But if you are interested in working with me one-on-one, go ahead and shoot me an email, [email protected], and I can send you the information. The only qualification is you have to make over $100,000 per year and you have to be willing to put in the work. Those are the qualifications that we have on hand. So in any event, if you are interested in that, feel free to shoot me over an email. Now, awesome, let's dive in. So today, we're diving into the episode 18 scary money statistics of 2026. And this is one of my favorite episodes that we do every single year. We do this on Halloween week every year.

• 1:42Andrew Giancola?

  And I talk about the scariest financial decisions that people are making in America. And so this is always, always, always one of those episodes that I think is fun. And I really look forward to this. Now, what we're going to do in this episode is I'm going to go through each of those different scary stats. And then we're going to dive deeper into some of the ways that you can solve some of those problems. So buckle up because some of these are wild and we're going to dive deeper. I'm going to quit yapping and without further ado, let's get into it.

• 2:11Andrew Giancola?

  All right, let's get into the first one. Number one is all about financial infidelity. So this is one that is super interesting. 45% of people in committed relationships admit they don't know anything at all about their partner's finances. Now that alone is wild to me. Someone in a committed relationship has no idea what is going on with their partner's finances. And nearly 1 in 10 are hiding major sources of debt, expenses, or income. And 43% say financial secrets are at least as bad as physical cheating. Things like hidden credit cards, undisclosed loans, and secret spending all undermine a household's financial stability.

• 2:54Andrew Giancola?

  And so let's think about these stats for a second because 45% of people in committed relationships admit they don't know anything about their partner's finances. I think that's a major problem. If you're not communicating with your partner about your finances and you guys are not talking about money, then there are either things that are not going correctly, or you are just not prioritizing the thing that can drive your freedom. And so one of the ways to solve this, and one of the easiest ways to solve this, is just making sure that you are open and honest about money. If you're hiding debt, if you're hiding spending, any of those different things, people call this financial infidelity, or they call it financial cheating. And so you can really damage your relationship by hiding financial transactions.

• 3:34Andrew Giancola?

  And in fact, one of the leading causes of divorce in this country right now is based on finances. And this is the reason why. Because if you're hiding money and not having conversations about money, that's a real, real problem. Whether you like it or not, money is going to have a big impact on your relationship. It's going to have a big impact on how you handle money. It doesn't mean you have to have a lot of it. It doesn't mean you have to be super, super rich. What I mean by that is money is what makes the world go around right now. And so if you understand money and you have a good working relationship with your finances, you're talking about your dreams, you're talking about your goals, that's going to be super helpful. Now, if you feel as though you're not talking about money enough right now, here's a couple of things that you can do.

• 4:16Andrew Giancola?

  First of all, is when you get started, start off by once a month having a money meeting. This can be a 15, 30, 45 minute conversation where you begin to talk to each other about money. You start to have conversations about money. And this doesn't start with spreadsheets. It doesn't start with doing a bunch of, you know, line items and yelling at each other and blaming each other and pointing at each other. No, instead, this starts with thinking about your dreams. What are your big dreams? Maybe you want to own a vacation home in the middle of Tuscany. Maybe you want to spend more time going golfing together. Maybe you want to spend more time going to workout classes or having the ability to do the things that you want to do day in and day out and having freedom.

• 4:59Andrew Giancola?

  Start off with your dreams and then use money as a tool to have conversations about how you can achieve those dreams. That's how these money conversations should go. Sure, there's going to be overspending in certain areas. Maybe one of you likes to order from Amazon or Target or wherever else a little too often. Maybe one of you is going to Sephora just a little bit too much. That's okay, but pointing fingers is never going to get you in the right direction. The reason why people shut down, the reason why people hide some of this stuff some of the time is because the other person or the other partner is always blaming and pointing the finger. So sometimes this needs to be something that you both look in and try to figure out, how can we work together to solve some of these problems?

• 5:41Andrew Giancola?

  Because you should not have secrets when it comes to money, especially in a relationship. If you do have secrets, then you are doing this the wrong way. I can promise you, money is so much better when you try to tackle it together. Sure, maybe some of you have made mistakes in the past and you really have not come together to try to work on those mistakes. But when you come together as a team, when you come together as one unit and work on those financial issues, boy, oh, boy, is it so much better. So I encourage you right now, schedule a money meeting and start to begin to have a conversation about money. You really, really need to work through this and I think it's super important. Because if you continue on this path of having financial secrecy, or you continue on this path of not having conversations about money,

• 6:25Andrew Giancola?

  it can cost you your entire relationship. So figure out if that's worth it to you. Is your relationship worth it to you to make sure that you start having conversations about money? Because it is death by a thousand cuts. And what I mean by that is it is a slow burn that is going to get worse and worse and worse if you do not deal with it. All right.

• 6:48Andrew Giancola?

  Number two is childcare costs more than rent. Across 100 of the largest metropolitan areas, childcare for an infant and a four-year-old costs 31.5% more than rent on a two-bedroom unit. Now, this is the silent killer for a lot of parents' budgets and it's not talked about enough. Now, I want you to understand something here as we go through this. This is a season of life and this is a season of life that you can get through. And I'm going to give you some tactics on how to think about this in a second. So the average annual childcare cost increased 13.3%

• 7:26Andrew Giancola?

  from $11,582 to $13,128 per child. Now, I know from experience right now, based on these statistics, that these are absolutely accurate. I have an eight-year-old, I have a five-year-old, and I have a two-year-old who is currently in childcare. And so I've had all three of those children go through childcare and this is 100% accurate. I have been paying for childcare for eight years. And so I understand this number very, very specifically and I track it very closely. And this is 100% true. At $13,128 per child, two children would approximately cost $26,256 annually.

• 8:11Andrew Giancola?

  That's approximately $2,188 per month before housing, groceries, transportation, and other expenses. My friends, this is the silent killer to your budget. And if you are feeling the pressure, the pain, and the stronghold that this can be on your financial life and it drives you crazy because it reduces the amount that you can invest, or it reduces your ability to just get by, or sometimes you feel as though you got to go into debt because childcare is taking the majority of your extra income. Well, this is one of those things that you're not alone. The country is struggling with this and I know how difficult this can be. But I want you to understand that this is a season. This is a season and time that will eventually go away. And I want you to do the best you possibly can to focus on a couple of things.

• 8:55Andrew Giancola?

  One is let's think through how we can increase our income. Because cutting back is not the easiest thing to do when you have expenses that are costing you thousands of dollars every single month. So if we can find ways to increase our income, that is number one. Number two is we have an entire episode actually diving into, should you consider having one of the parents stay home or should you continue paying for childcare? And that is an important episode, I think, to figuring out the evaluation long-term of how you can do this. Because when you look at how much childcare is costing, sometimes it makes a little bit more sense to have one of the parents stay home for a delta that really doesn't make a huge difference. And so in reality, I would definitely look deeper into that number.

• 9:38Andrew Giancola?

  If you feel as though you're only making, you know, a little bit more than what your childcare is costing. So that's an really important metric to think through. But number three is if you can't invest as much as you normally would because of childcare, that's okay. I'm going to give you the okay that during this timeframe, you can invest a little bit less, but trying to make sure you're still investing and still making progress and still paying down that debt is very, very important. You don't just give up because of childcare. No, you work on increasing your income. You look and seeing if there is expenses you could decrease during this timeframe. But in reality, your income is going to solve the majority of this problem. And I want to keep saying that over and over and over again. If you're trying to solve this problem by cutting back here and there,

• 10:21Andrew Giancola?

  $2,000 is a huge number to have to deal with, or $1,000 is another huge number to have to deal with. And cutting back a couple of subscriptions here and there, sure, it's going to help, but it's not going to solve the problem. Your income will very quickly solve the problem because if you make $100,000 per year and you get a 10% raise, well, that's going to cover a year of childcare for one child. And so that's where I really, really want you to focus on the income side of the equation because it's a lot easier. It's a lot easier to focus on that than having to worry about, you know, cutting back as much as you possibly can. And it really still is not enough. And that's just a very difficult thing to have to go through. So again, childcare, I understand is a big deal here. And so for many of you out there, you know, if you're working on navigating this, you can shoot me a message or an email.

• 11:06Andrew Giancola?

  I can help you through some of that stuff because I have been doing this for eight years now and I understand the costs and how much of a weight this can have.

• 11:17Andrew Giancola?

  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. 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.

• 12:01Andrew Giancola?

  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. 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.

• 12:46Andrew Giancola?

  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. Sponsored jobs posted directly on Indeed are 95% more likely to report a hire than non-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.

• 13:31Andrew Giancola?

  Just go to indeed.com/podcast right now and support our show by saying you heard about Indeed on this podcast. Indeed.com/podcast. Terms and conditions apply. Need to hire? This is a job for Indeed Sponsored Jobs. Now, if you watch this podcast on Spotify, Apple Podcasts, or YouTube, you've probably noticed the wood slat walls behind us. We wanted this podcast set to look professional, but also not be a project that was overly complicated. And I found these slat walls on Wayfair, and it completely changed this space. And it's now basically the background that you see in every single podcast or piece of content that we record. And that's one of the things that I love about Wayfair. You can shop thousands of products across different styles and budgets, use customer photos and reviews

• 14:15Andrew Giancola?

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• 15:06Andrew Giancola?

  All right, number three. $2.1 million is sitting left behind in 401Ks. So there are 401Ks out there that many of you may have forgotten about, or you just don't know, "What the heck do I do with my old 401K?" And $2.1 million right now is sitting left behind. An estimated $31.9 million 401K accounts have been left at former employers. And these accounts collectively hold approximately $2.1 trillion. The average balance is $66,691. See, there's a funny thing that happens with your 401K. When you leave money invested, it continues to grow. And you'd be surprised at how big these accounts can get over this timeframe.

• 15:50Andrew Giancola?

  Now, this represents roughly one quarter of all 401K assets. This is absolutely unbelievable. Not everyone is left behind, is forgotten. Many people have intentionally leave retirement savings at their former employer's plan. All right, so let's talk about this for a second. You have three options when it comes to your old 401K. One, you can leave it there if you like the investment options, and you can continue to invest it at the place that it currently is. Two, you can roll it over into your new employer's 401K, which is something you can do if you like those investment options. Or three, which is my favorite, is you can take those dollars and roll them over into a rollover IRA. You could do this at the location that you choose

• 16:33Andrew Giancola?

  so that you can choose the best possible investments for your asset allocation and your specific situation. And so what I did was I rolled over my old 401K into Vanguard and did a rollover IRA over there. Now, my old employer actually had great investment options. They had a bunch of Vanguard funds over there. They had a bunch of really, really good stuff. But I still rolled it over because I have full control when I roll it over. Then, it's just under my name. I don't have to worry about logging into the old employer's accounts or logging into the old location. And instead, I can fully control this money. Now, some people say to me when I talk about this, "Well, isn't it better to have it all combined in one spot?" No, you can roll it over into a rollover IRA. Compound interest doesn't work that way

• 17:17Andrew Giancola?

  where all your money combined in one location is going to grow faster. That's not how it works. And so you need to understand that if you roll it over into a rollover IRA, you have full control. And control is what I want when it comes to my finances as much as possible. So those are your three options. There's also a service called Capitalize. If you've never heard of Capitalize, and they don't promote me or anything, I'm just talking about this because it's a great service. They'll actually help you roll it over wherever you want to go, and they do it for free. So it's actually pretty cool. So it's Capitalize is someone who does that as well. All right.

• 17:48Andrew Giancola?

  Number four is nearly 1 in 5 workers are borrowing from their 401K. 19.2% of workers have an outstanding 401K loan. And a 401K loan generally requires repayment with interest, and usually this is through payroll deductions. Now, here's the interesting part, okay? The loan amounts for borrowing against your 401K are commonly the lesser of $50,000 or 50% of the vested balance. Now, this is subject to exceptions or adjustments, okay? But 19.2% of workers have an outstanding 401K loan. And I think this is one of those areas where if you do have an outstanding 401K loan or if you're considering a 401K loan, I would consider not doing it.

• 18:31Andrew Giancola?

  The reason for this is because you want to avoid debt at all costs, number one. But two, is you're interrupting compound interest unnecessarily. Because a couple of things can happen here. One is if your employment ends, they may accelerate the repayment plan of when you need to pay back that 401K loan. Well, then, all of a sudden, you got yourself into a sticky situation where you're going to have to pay this back so much faster. But an unpaid balance can also become a taxable distribution, meaning that you're going to have to pay potential additional tax for borrowing this money. Now, the pros of a 401K loan is a lot of times the interest goes back into your account and yada, yada, yada. I get it. But if you're interrupting

• 19:14Andrew Giancola?

  the investment returns of that money that you were borrowing against, that's a problem, my friend. That is a problem that you do not want to be doing because then you are just interrupting long-term compound interest. And we've seen the power of compound interest going forward. And so I want you to just understand that if you are borrowing against your 401K, it's not the end of the world, but it's also not something I would ever do because it gets in the way of your future wealth building, and that's not something I'd be interested in.

• 19:43Andrew Giancola?

  Number five is more than half of Americans have no estate plan whatsoever. So 56% of US adults have no estate planning documents. And will ownerships reportedly declined from 31% to 26% in one year. 42% of people wouldn't know what to do if a family member died today. Now, listen, estate plans are so incredibly important. And if you have anybody who depends on you or if you just want your stuff to go where you want it to go, you need to make sure you have a will on hand. Now, people are saying to themselves, "Well, I don't really have much stuff. I have a dog, I have a little bit of furniture, that type of stuff, and maybe a few thousand dollars in a brokerage account." But you still want that stuff to go to the correct person, even if you have an animal or a pet. You want to make sure that that goes to the correct person.

• 20:28Andrew Giancola?

  Otherwise, this goes through probate. And this can be a huge problem. It could take a really long time. And so instead, getting a will in place can be super, super important. The other thing you need to do is make sure you have beneficiary designations on all of your investment accounts and all of your other accounts that you have on hand, whether it's checking or high-yield savings. Make sure you have beneficiaries for some of those accounts so that people know where it's going to go if something were to happen to you. Now, if you have a lot of assets on hand or you have a lot of folks in your life where you need these assets to go to, then you start to consider a trust. As you approach a million-dollar net worth and you have a bunch of additional assets on hand, that's where you want to start to think through having a trust potentially because that's going to help you customize a lot of different things. Like, for example, for me, I have a trust because I have three kids,

• 21:12Andrew Giancola?

  and I have a lot of different things that I want to happen if anything were to ever happen to me and my wife. God forbid a plane goes down, the plane crashes, and both my wife and I are on that plane. Well, then, there needs to be a number of different plans in place of where my children go, who my children go to, who gets the money to help raise my children, all those different things. But in addition, where does all my wealth go? And how does it get distributed to my children? Those are the types of things that I wanted to be thinking about. A trust helps you customize this process and this plan. So make sure you look into estate planning. Make sure you have at least a will in place because 56% of US adults that have no estate planning documents should not be happening. Even if you are young and you're like, "I've got a long time horizon," at least have a will in place. They're cheap, they're easy to put together,

• 21:57Andrew Giancola?

  and it makes sure your stuff goes exactly where you want it to go.

• 22:03Andrew Giancola?

  Number six is food delivery costs 80% more than pickup. And it is still one of the main ways that a lot of different Americans are eating out. So food delivery costs 79.5% more on average than picking up the same meal. That's approximately $9.30 per order. And delivery reportedly costs 601.7% more than preparing a comparable meal at home. But here's the crazy part. Half of Gen Z reportedly orders delivery at least once every single week. If you order delivery once every single week, the annual additional cost is going to be $484 per year.

• 22:46Andrew Giancola?

  If you order it twice a week, it's $967 per year. If you order it three times per week, it is $1,451 per year. And if you order it five times per week, like if you get it for lunch every single day at work, and it is an additional $2,418 per year. Now, these are measured against just picking it up, just picking up your order. So if you eat out that often and you feel as though you need to order delivery, it costs significantly more. And I, as someone who is a millionaire, who is someone who has been building wealth for a long time, I still have a hard time stomaching the costs of DoorDash or Uber Eats. In fact, I probably DoorDash or use Uber Eats less than one time a year, probably every 18 months.

• 23:31Andrew Giancola?

  And it's only when I'm in a pinch, or if I'm traveling somewhere and I have no idea where I am and I don't really have transportation and it's probably just cheaper to order delivery than to Uber somewhere, then I will order it. But outside of that, I almost never order it. Now, there's nothing wrong with ordering it, you know, every once in a while. There's nothing wrong with valuing convenience, but it needs to be in your budget. And if you are going into debt, you're using buy now, pay later, like a lot of people are for food delivery, boy, yo, boy, is that a problem. And so I just want you to think through this really, really quickly. Also, if you're not hitting your retirement goals, but you're ordering food delivery, yeah, you got your priorities mixed up a little bit. So I think you need to make sure that you are on track with some of this stuff.

• 24:13Andrew Giancola?

  All right. Number seven, Americans spend 2.5 times more on subscriptions than they think. So many people, if you ask them, how much do you spend on subscriptions? They will come back to you and give you a number. And many times, this number is way, way, way lower than what they actually think. Now, I audit my subscriptions on a quarterly basis. And let me just tell you right now, every time I audit my subscriptions, I think I spend X amount of dollars. I'm like, man, I just, I cut back on a bunch of different things last, last quarter. I'm good to go. And every single time, it is significantly higher than I thought it was. And the reason for this is because we just don't understand the implications of just adding small subscriptions over time.

• 24:57Andrew Giancola?

  So that the estimated spending for Americans is $86 per month on subscriptions. But their actual average spending was $219 per month, according to a CNR research survey. That's a difference of $133 per month, or $1,596 annually. Now, 70% of people reported forgetting to cancel a free trial before it became a paid subscription. And a separate figure reported consumers paid AI subscriptions, an average of four tools costing about $66 per month. Mine's way higher than that. And common subscription cases, including streaming, fitness, software, cloud storage, apps, memberships, and AI services. Now, here's the thing about this, is this number is going to continue to rise. Why?

• 25:42Andrew Giancola?

  Well, you can look at a number of different things. One is streaming services. Those are rising every single month. Freaking Disney Plus just sent me another email that it's like over $20 now. Netflix has been rising every single, I, I used to order Netflix and they would deliver the DVDs to my house and it was like $7 every single month in college. Now, I'm paying 20 plus dollars per month to have Netflix so I can have it on multiple TVs if multiple people want to watch it in the house. And so now with these subscriptions, I am paying more typically than I would have with cable back in the day. And it is frustrating, but it's also one of those things that is the new reality. Plus, you add an AI, you add a business subscriptions, if you have a business, you add in all these different things and you are going to see a massive rise. Let's think about the shopping experiences.

• 26:27Andrew Giancola?

  Now you have to have Amazon Prime, maybe you have Walmart Plus, maybe you have a Costco membership, maybe you have a Sam's Club membership, maybe you're like me, the big dumb idiot right here that keeps buying into all this stuff and you have all four of those. And so this is one of those areas where I think many of us are probably getting way out of control on subscriptions and we don't even realize it. This number is way lower than what I spend personally and I know that for, for sure. And so I think that most of us are paying more than this when it comes to subscriptions. So in reality, if you are overpaying on subscriptions, this is an easy way to save over $1,000 per year. And if you are not maxing out something like your Roth IRA, you can take that $1,000 of savings and throw it into something like a Roth IRA. It's going to make a huge difference in your life if you're not doing something like that.

• 27:13Andrew Giancola?

  And so every time you save on subscriptions, do an audit every quarter, every three months, do an audit of your subscriptions and then go in there and remove the ones you haven't used over the last quarter. Make sure that you're removing them and actively doing this. When you remove those subscriptions, then redirect that money towards what you actually want it to do. Because if you just let it sit in your checking account, you're just going to spend it again. But if you move those dollars towards something that you actually want those dollars to do, whether it's investing, paying down debts, saving in your emergency fund, that is how you get ahead. And so I don't want you to save money, save money in quotations, but then not actually save it. Put it towards something you actually value. All right, perfect.

• 27:56Andrew Giancola?

  Number eight, this is one I am seeing happen more and more. The bank of mom and dad is still open. People are relying on their parents to get by in life. Now, listen, before I start on this one, I know times are tough. And I understand that having someone help supplement your lifestyle is sometimes necessary. In fact, if you're living at home and you're in your twenties, for example, nothing wrong with that. But you want to get to a point in time where your goal is to get stable. Why? Because people who depend on other people for too long typically end up not doing it as well in life as people who actually figure it out. And I want you to say this and understand this over and over and over again.

• 28:38Andrew Giancola?

  Times are currently tough, but I have been diving deeper into some economic stuff and looking deeper into the history of wages versus what the actual cost of living is. And yes, there is a large gap right now, but the interesting thing is, right now, there is never been easier to increase your income in a bunch of various ways. And so we want to make sure that we are doing everything we possibly can to become self-sufficient. And so here's the stats, I want you to hear these stats, okay? Approximately 50% of parents with adult children are providing some financial support. This is up from 47% to the previous year. I remember us talking about this last year at 47%.

• 29:23Andrew Giancola?

  Parents supporting Gen Z adult children reportedly provide an average of $1,813 per month. That's $21,756 annually. And 47% of these parents say supporting adult children has compromised their own financial security. About half of those reporting financial sacrifices have used savings and retirement funds.

• 29:48Andrew Giancola?

  There's a lot of problems in this, all around. There's a lot of problems here. One is parents, you need to take care of your own retirement first, then you can help out your kids. And this is really, really important to understand. Otherwise, you're going to get to your seventies and your kids are going to have to support you. And if they are not financially ahead enough already this early and this often, they're not going to be able to financially support you. And so this is going to cause a vicious cycle that if you don't take care of this as fast as you possibly can, you can get yourself into some murky water. You need to be able to become self-sufficient on your own and not sacrifice retirement to help out your adult children. Now, adult children, there's nothing wrong with living with your parents,

• 30:33Andrew Giancola?

  but there is something wrong with going out and getting a luxury apartment and your parents are providing $2,000 or $3,000 a month so that you can live in that luxury apartment just so you can live the lifestyle like all of your other friends. Or if you are going on multiple vacations per year, if you're ordering food delivery all the time, or if you're doing all these different things, but you can't support yourself, there's a problem there. And so in reality, I know the cost of living is high. I know the gap between wages is really, really difficult. We just had Freddie Smith on talking about all these different things. I know it's difficult to own a home. I know the American dream is becoming less and less attainable for a lot of folks out there. But what if you were the one that actually changed that for yourself? Because maybe that's for everybody else, maybe that's for the crown, but you're a wealth builder

• 31:17Andrew Giancola?

  and you're a person that is going to pick up yourself by your bootstraps and you're going to transform your financial life. I know you can do it. I'm telling you right now that you can do this. But you have to lock in. You have to be the one that decides I am going to do this. Otherwise, you can play victim for the rest of your life and you can blame the economy, you can blame society, and maybe those blames are warranted.

• 31:43Andrew Giancola?

  And I know it's hard. But what if you put together a two-year plan that said, hey, I'm not going to rely on my parents, I'm not going to bring them down anymore, I'm not going to be this weight that is causing this to happen. Instead, I'm going to pick myself up, I'm going to increase my income, I'm going to do the things that I need to do in order to get to the point in time where I am self-sufficient. Listen, The Millionaire Next Door warns parents against this. It talks through a bunch of studies of calling it economic outpatient care, where parents who give their kids money, typically, those kids are not as self-sufficient as kids who had to figure it out on their own. And I want to give you an example of this, okay? Let's say, for example, someone is living in an apartment, and they're on their own, and their parents are paying for that apartment. Well, right off the bat, they don't

• 32:28Andrew Giancola?

  have to figure out how to come up with enough money to pay for that apartment. They have the luxury, they have the privilege of their parents paying for that apartment. Okay? So why would they work harder to go make sure that their parents aren't paying for that anymore? Why would they work harder to figure it out? No, instead, what they will do is they will continue to do that for longer periods of time. Now, I want you to be different. If you're listening to this right now, and your parents are supplementing part of your income, I want you to be different. But I have plenty of people in my life that I have seen this happen time and time again, where it's like, hey, I'm going to live here for one year, or I'm going to be taking money from my parents for one year, but then after that, I'm going to be out on my own. And they do it for two years, then they do it

• 33:09Andrew Giancola?

  for five years, then it's six years, then it's seven years, and it drags on and on and on. Why? Because they don't have to figure it out. They don't have to go do anything. And because it's harder to go have to go figure it out on your own, they're just not going to do it because they have the luxury of someone taking care of it for them. Listen, nothing wrong with any of this if your parents are wealthy, or if they're doing well. But if you are weighing them down, that's the big issue here. And a lot of people are going to take issue with what I'm saying, which is fine. You're subject to your own opinion, but I have watched it happen with dozens and dozens of peers and family members in my life. And I am very, very attuned to this stuff. This is something I look at a lot,

• 33:53Andrew Giancola?

  and I think for most people out there, you need to understand that you want to have a mindset that says, I'm going to do it on my own. I'm going to do it on my own. Nobody else is going to help me. I'm going to be the one that does it. Because the person who has that mentality, they're going to become very, very wealthy.

• 34:15Andrew Giancola?

  Number nine is six-figure earners are still living paycheck to paycheck. So if you guys don't know, I host another show with NerdWallet called Your Next Dollar. And that show is targeted only to people making over $100,000 per year. And we can see this time and time again, that there is a huge portion of that audience that is still living paycheck to paycheck. In fact, a survey found that 48% of people earning over $100,000 or more reported living paycheck to paycheck. And even among people earning $200,000 or more, 36% reported the same. Now, these figures are super interesting, because the rising cost of living is causing people to live paycheck to paycheck, but it's also the

• 34:56Andrew Giancola?

  rising cost of expectations. Your kid's got to be playing in travel sports, you got to go to private school, you got to go and pay, buy the fancy car, you got to buy the bigger house, because each kid needs their own bedroom. All of these are the expectations of this generation, and of all of us out here. I get it. I fall prey to it as well. This is something I am just as guilty of as everyone else. But guess what? If we can change our expectations a little bit, if we can figure out how to build a delta, where we're not living paycheck to paycheck, when we're making six figures per year, and I get it, six figures in 1990 would be about $50,000 per year. I get it all. I understand. But you want to make sure that you are working towards building a life that you want, and

• 35:38Andrew Giancola?

  the only way to do that is to save a portion of your income. So if you have housing that is costing way too much, or you have a bunch of different car payments that are way too high, or if you are spending too much on eating out or groceries, or if daycare is eating into all of this, we need to find a way to either increase our income, decrease our expenses, or both. If you can do both, that is the best way to do this, finding that gap. Also, every time you get a raise, if your income level rises up to that raise, well, you have lifestyle inflation in play. And if you have too much lifestyle inflation, you will never get ahead financially. If you can live on the same amount that you make right now forever, or at least until retirement, that is going to get you way ahead, because each raise means you can invest this much more, and this much more, and then

• 36:22Andrew Giancola?

  this much more, and it's going to allow you to really transform your financial life long-term.

• 36:29Andrew Giancola?

  Number 10 is home insurance is rising three times faster than inflation. So homeowners' insurance premiums reportedly increased 46% since 2021, approximately three times the rate of general inflation over that comparison, period. And Florida reported average annual premiums reached $8,292, following an 18% increase in 2025. That equals approximately $691 per month just for homeowners' policy. And nearly 3 in 10 homeowners reportedly said they would drop coverage if they could. Now, this is a concerning thing. Insurance costs are rising, and they're rising faster and faster every single year. This is one

• 37:11Andrew Giancola?

  of those reasons why you feel strapped. This is one of those reasons why some people have to rely on their parents to, to earn money. This is one of those invisible forces that keeps taking a little bit more of your money every single year. And so this is one of the reasons why owning a home is also not attainable for everyone. And in fact, if you run total cost of ownership, and you see how expensive homeownership is going to be with home insurance, all of a sudden, you may decide, eh, this may not be for me. But this is also why your landlord has to increase the price of rent, because if they do have homeowners' insurance, which not all of them do, but if they do have homeowners' insurance, this is another reason why. And so these higher premiums are going to increase the true cost of homeownership, which is why it feels more and more unattainable for a lot of you out there. Which just leads me into a number 11.

• 37:58Andrew Giancola?

  The typical first-time home buyer is now at the age of 40. First-time home buyers accounted for a record-low 21% of home purchases, and this is according to the National Association of Realtors, NAR, which is really locked in on the housing market. The median age for first-time buyers reached 40 for the first time.

• 38:19Andrew Giancola?

  In the 1980s, the median age for first-time home buyer was in their upper 20s. And that's when interest rates were really, really high back then. Interest rates were very high. But things like higher home prices, things like mortgage rates, things like having to have higher down payment requirements, and other household expenses have made this really, really difficult to be able to get into a home. And so this is one of those areas where the American dream is to own a home, and many people feel as though it's not attainable. Now, I want to tell you something. Owning a home is a lifestyle decision. It is not a financial decision, meaning that if you run total cost of ownership, you'll see pretty quickly that owning a home is usually not a high rate of return whatsoever. In fact, the Schiller Index, and I've talked about this a couple of different times, shows that

• 39:03Andrew Giancola?

  it is anywhere from 2.5% to 4% per year is what you make on owning a home. Whereas, if you look at that in comparison to, you know, the, the stock market or other places, well, you're making 10% on average per year. And so when we compare the two differences between those, all of a sudden, we realize that pretty quickly, homeownership is a luxury. It is not something that is just part of the American dream that every single person should be pursuing, but instead, it is a luxury. Now, I am someone who loves owning a home. Homeownership is a lifestyle decision. If you want to plant roots, if you like to remodel your house, if you like to do all these different things, then homeownership is a great thing to do. But run the numbers. Understand how to run the numbers on buying

• 39:45Andrew Giancola?

  a house before you do it. Otherwise, you could get yourself into some really hot water and become house poor. And I don't want anybody listening to this show to become house poor. We have full episodes talking about buy versus rent, and how to think about that. So if you haven't heard those episodes, make sure you check that out.

• 40:02Andrew Giancola?

  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 Leesa. 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. Leesa 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

• 40:42Andrew Giancola?

  assembled in the USA, and they come with free shipping, easy returns, and a 120-night free sleep trial. So go to leesa.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.com, promo code PFP, for 30% off mattresses plus, an extra $50 off. Let them know we sent you in the survey after checkout. leesa.com, promo code PFP. 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

• 41:25Andrew Giancola?

  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. 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 Policy Genius, you can find 20 year life insurance policies, starting at just

• 42:10Andrew Giancola?

  $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. One of the biggest things I tell people is when you pay off debt, you need a plan. Because when you actually see the finish line, everything changes. That's one of the reasons I love Monarch. Their debt free simulator lets you see when you'll be debt free based on your balances and your payments. You can even test different scenarios to see how much faster you could eliminate your debt by paying a little extra every single month. And one habit I personally use is my five minute money drill. Every morning I check Monarch and I check my spending, I check my accounts, I check

• 42:54Andrew Giancola?

  my investments and make sure everything is on track. That's what I love about Monarch. It helps you stop guessing and start making progress towards your financial goals. Write your own money story with Monarch. 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.

• 43:19Andrew Giancola?

  Number 12. Student loan delinquency has reached 10.6%. So 10.6% of student loan balances were at least 90 days delinquent in Q2 of 2026. Now that's up 10.3% from the preceding quarter. And delinquency can lead to credit report damage. It can lead to collections agencies calling you and reduce borrowing opportunities. And so you want to make sure that if you are behind on some of those student loan payments, you either have a conversation or you figure out how to get ahead. Now, we recently just had an episode with Robert from the College Investor and we talked about the updated student loan rules and what is happening and all the different changes. So if you haven't heard that episode yet and you're trying to navigate student loans, that is a great episode to check out because that is going to walk you through step by

• 44:04Andrew Giancola?

  step, all the different changes and some of the options that you currently have here right now. And in fact, that leads us to 13.

• 44:13Andrew Giancola?

  Student loan delinquencies are crushing credit scores. So newly delinquent student loan borrowers who previously had credit scores above 720 experienced an average decline of approximately 177 points, according to a 2025 report. And borrowers aged 50 and older reportedly had the highest delinquency rate at 18%, which is amazing in a bad way. Now, here's the problem with this is if your credit score goes down, this can lead to higher costs of borrowing, which is a six figure decision, by the way. But it can also lead to really difficult times of being able to get a mortgage or car loan rates or credit card approvals. All of this stuff becomes increasingly difficult the lower your score goes. And so if you're delinquent on some of these reports, it's really important to make sure that you're on top of this.

• 44:58Andrew Giancola?

  Otherwise you could have some major problems on hand.

• 45:03Andrew Giancola?

  Number 14 is Americans have $1.26 trillion in credit card debt. Now, credit card debt is by far one of the biggest emergencies that you will have in your financial life. If you do have credit card debt and your goal is to pay it off as fast as you possibly can. In fact, we just had an episode recently talking about 19 different ways to pay off your debt faster. So if you haven't heard that episode, make sure you go back and check that out because it is one where I'm giving you a bunch of new tactics and ways to pay off your debt faster. Now, here's the thing I want you to understand. Total credit card balances reach approximately $1.26 trillion in Q2 of 2026. And balances increased $21 billion during that quarter alone.

• 45:47Andrew Giancola?

  Auto loan balances reached approximately $1.71 trillion. And so high credit card interest rates makes revolving balances particularly expensive in this scenario. Now, I want to give you an example here of someone who has a $10,000 credit card balance at a 24% interest rate. Okay. So if someone had $10,000 on a credit card with 24% APR, their monthly interest at the beginning would be approximately $200. Okay. With a fixed $250 monthly payment, repayment would take approximately 6.8 years and the total interest paid would be $10,300. So the borrower in this scenario would pay more in interest than the original amount that they borrowed from that credit card.

• 46:29Andrew Giancola?

  Meaning, let's say, for example, you bought a bunch of random stuff for $10,000. All of those items would cost double and then some what you actually paid for them just because you put it on a credit card and you did not pay that card off. And so that 24% interest rate is really, really detrimental to your finances and can cause you to go backwards. But not just losing that $10,000, you're also losing out on the opportunity cost of what that $10,000 could have grown to if you would have invested those dollars instead. It's unbelievable what could happen there. And 6.8 years to repay that is just a really long time to be losing that money.

• 47:09Andrew Giancola?

  Number 15, and this is a daunting one. I hope nobody on this podcast is in this camp, but 8 in 10 Americans added nothing to their emergency fund. So Bankrate reported that approximately 80% of Americans did not contribute to an emergency savings during 2025. And only 47% reported being able to cover a $1,000 emergency in savings. And only 29% had more credit card debt than emergency savings. And here's where the problem is with this. Okay. Any single unexpected event, if you do not have an emergency fund, will absolutely sink your financial life and you will go back into debt again. You'll go back into credit card debt or you'll go back further into debt or you're going to be calling up your parents, you're going to be calling up your friends and asking to borrow money.

• 47:51Andrew Giancola?

  And this, my friends, is the vicious cycle that people fall into when you don't have cash on hand protecting your finances. Having cash is powerful. Many people are like, well, my cash is just sitting there. What am I supposed to do with this cash? It's not growing fast enough. No, cash is protecting you. Having an economic moat surrounding your finances allows you to build wealth. It allows you to take those dollars and put them towards wealth building activities. So while the cash that's sitting around your economic moat may not be the highest producing cash, it is one of the things that is allowing you to be able to build wealth. Because if you don't have that and one big expense pops up, it is going to derail your financial life long term. And so you need the emergency fund.

• 48:37Andrew Giancola?

  You need to have it in place and you need to make sure it is in cash in something like a high yield savings account. Now, my favorite places to have a high yield savings account, we will link down below in the show notes that you could check that out. This is going to help you tremendously when it comes to just thinking through the location of where you want to have that in. SoFi, Ally, there's a bunch of great places to keep it, but some of my favorite ones, we will link down below in the show notes.

• 49:02Andrew Giancola?

  Number 16, and this is becoming increasingly concerning to me. Americans bet $166.9 billion on sports in one year. So Americans legally wagered approximately $166.9 billion on sports last year. That represented an 11% increase from the year before. And sports books retained approximately $16.96 billion in revenue from those specific bets. Now, research examining sports betting legalization also found that net household investments declined by nearly 14% in the studied settings. Meaning there's a direct correlation between the folks who bet and how much they're actually investing. And for each additional $1 spent on sports betting, investment account contributions

• 49:47Andrew Giancola?

  declined by approximately $2 in the study's estimate. It's just unbelievable. Among financially constrained households, investment activity declined approximately 41%. Now, let me give you a direct example of this. Okay. Let's say, for example, someone who was investing $200 per month, moved that from investments to betting. Okay. And they did that over the course of 30 years at a hypothetical 8% annual rate of return, they could have accumulated approximately $298,000 if they would have invested those dollars. But instead they wasted it on sports betting. And sure, you're going to have some hits, it's going to go back and forth, but in reality, the house always wins. Again, look at this. $16.96 billion in revenue from that betted number was exactly how much they had.

• 50:32Andrew Giancola?

  So sure, they're paying out some, but they're also for the most part, winning every single time. So if you are foregoing investing your money to go out and sports bet, boy, oh, boy, is that a big problem, my friend. And I really want you to refocus and think about your retirement and your long-term wealth building plan. We'll have a full episode on that coming up soon.

• 50:57Andrew Giancola?

  Number 17 is that buy now, pay later is being used for groceries. In fact, 29% of buy now, pay later users reported using loans for groceries. That compares with 25% one year earlier and 14% two years earlier. Among buy now, pay later users earning $100,000 per more, 33% reported using the service for groceries. And 47% reported making at least one late payment in the previous year. And 68% said buy now, pay later encouraged them to spend more than they otherwise would have. Buy now, pay later is not your friend. It is not helpful. It is not something that you should be doing. And in fact, you really need to make sure that you avoid it at all costs.

• 51:40Andrew Giancola?

  I would say one of our hard rules for buy now, pay later is to avoid it. Avoid it at all costs because it can get you in some sticky situations. If you do not pay off the amount that you borrowed, those interest rates become higher and higher and higher as time goes on, and you can get yourself into some really, really bad situations. Now, it makes the individual purchases look affordable by breaking them up into smaller payments. But that in reality is not how this works. You're still paying the same exact amount. And so, most people are looking for instant gratification. And that's not what I want for most of you out there.

• 52:18Andrew Giancola?

  Number 18 is America's car debt crisis. Okay. One in five new car buyers has at least a $1,000 payment. And 20.3% of new vehicle buyers who financed purchases in Q2 of 2026 took on monthly payments of $1,000 per more. That tied the previous record. And 6.3% of financed used car purchases also carry payments of $1,000 per more. And the average finance amount for a used vehicle climbed to $30,414. Now, a $1,000 monthly payment equals $12,000 per year before insurance, gas, repairs, maintenance and registration. That is a lot of money to be putting towards a depreciating asset. But it gets even worse because there's a lot of buyers, specifically on pickup trucks, who are underwater.

• 53:03Andrew Giancola?

  The average negative equity among traded in vehicles include the Chevy Silverado 1500, which is $8,516, the Ford F-150, $8,417. And five popular full-size pickups reportedly averaged more than $8,300 in negative equity, which is wild, the amount that is happening. And trucks are costing a lot more than just regular standard cars. And so, that's a lot of times why this is happening. But here's, it gets even worse. Nearly one-third of trade-ins are underwater. 30.9% of buyers trading in a vehicle during Q1 2026 owed more than what it was worth. So, I get a lot of flack for our 241210 rule because I say, put 20% down. Why do I say that?

• 53:46Andrew Giancola?

  30.9% of buyers trading in vehicles in Q1 2026 owed more than it was worth because they didn't put 20% down. They are underwater on the vehicle. The average negative equity was $7,183. And many times, these were approximately four-year-old vehicles rather than nearly new cars. So, they have negative equity on cars that are four years old. That is crazy. If you have to trade in an underwater vehicle, you have to have the cash to cover the difference. And so, in reality, you're still paying the down payment just later on down the line. But here's the worst part, is rolling negative equity into another car is also expensive because the average payment on new loans, that included rollover negative equity, reached $944 per month. That is 167 more than the industry average.

• 54:30Andrew Giancola?

  And those buyers were projected to pay an average of $16,270 in interest over the life of their loans on that depreciating asset. So, almost the cost of another car, a used car, over the life of that loan. So, this is just another thing that you've got to be cautious with your vehicles. Drive them longer. Get them fixed. Making sure that you do it in that way is going to help you win with cars. We have tons of episodes on how to buy a car the right way. Making sure that you do this the right way is super, super important. Well, listen, those are the 18 scary money stats of 2026. I hope you guys enjoyed this episode. Again, not everything is doom and gloom. There's a lot of positivity when it comes to building wealth in this economy that we

• 55:14Andrew Giancola?

  will be talking about in future episodes. So, make sure you subscribe to these episodes. But I want to talk about some of the shortcomings. I want to talk about ways that you can solve some of these problems if you are falling into these problems. And if you have questions, if you're in any of these situations and you have questions, please reach out to me. My goal is to help as many of you as I possibly can learn how to build wealth. That is my calling. That is what I'm called on this earth to do, and I want to help as many of you as possible do that. Also, if you are interested in doing group coaching with me every single week, we have Master Money Academy. Master Money Academy is the place where we have all of our courses. We do group coaching. We have a community of people who are all working towards building wealth. And honestly, it's one of the most affordable communities out there. So, definitely check that out in the link down below in the show notes.

• 55:57Andrew Giancola?

  Also, if you want to work with me one-on-one, feel free to reach out to me and we will see if you are a good fit for that, if you qualify for that. So, truly appreciate each and every single one of you. Thank you so much for being here and we will see you on the next episode.

• 56:10Speaker 01

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