The 12 Worst Money Habits (Ranked!) episode artwork

EPISODE · Sep 7, 2026 · 52 MIN

The 12 Worst Money Habits (Ranked!)

from The Personal Finance Podcast · host Andrew Giancola

Twelve money habits, ranked from bad to absolutely devastating. Some of these you already know about  👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about  👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21  👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform  What You'll Learn in This Episode The full ranking, from number 12 all the way down to the single worst habit on the board Why looking wealthy and being wealthy pull in opposite directions What a 1% fee actually removes from your ending balance over a career The buy now, pay later stats that show most users cannot afford what they are buying Why the monthly payment question is a sales tool, and what to ask instead What the data says about sports betting and retirement contributions How to let your lifestyle grow without letting it eat every raise The fix for each habit, not just the diagnosis Start Here  Join the community built to help you master your money, stay accountable, and reach financial freedom.   👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/ 👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21 👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79 Partner Deals   Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance  Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP  Polygenius →  Free life insurance quote http://policygenius.com  DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/  Resource/s  Car Insurance https://secure.money.com/pr/gc43ce394da5  Best HYSA https://secure.money.com/pr/r453ecf4d190  Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c   Best IRAs https://secure.money.com/pr/oe09b73d1952  Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney  Tool/s Mentioned  Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/  Automate Your Money in One Weekend https://www.skool.com/mastermoneyacademy/automate-your-money-challenge-live?p=2f4a172b  Episode/s Mentioned  The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw  The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs  Watch Next How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY  How to Save $100,000 on a Low Salary https://youtu.be/f8-BWWiDpKc  How to Spot Fee That's Robbing You, Insure Your Kids' Future & Retire Two Decades Early - Money Q&A https://youtu.be/2y6bjDkgbgM  4 Dead Simple Steps to Become Financially Free https://youtu.be/dM4DKC7-Y5s  How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74  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 habit did Andrew leave off the list entirely? Tell him what belongs on the board.  Learn more about your ad choices. Visit megaphone.fm/adchoices

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The 12 Worst Money Habits (Ranked!)

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