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Optimal Finance Daily - Financial Independence and Money Advice podcast

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Optimal Finance Daily - Financial Independence and Money Advice

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  Optimal Living Daily | Diania Merriam  

Optimal Finance Daily, hosted by Diania Merriam, the innovative mind behind the personal finance conference EconoMe, takes you on an enlightening journey through the world of personal finance. Each episode brings to life the most compelling and practical advice from leading financial bloggers and experts. Diania’s engaging narration and insightful commentary transform complex financial concepts into relatable, actionable insights. Whether it’s budgeting, investing, debt management, or money mindfulness, she covers it all, making financial wisdom accessible to everyone. Gain not just knowledge, but also the motivation to apply it in your daily life. It's not just a source of personal finance tips; it’s a daily companion that guides you towards financial independence and savvy money management, all delivered with Diania's trademark enthusiasm and expertise. By focusing on early retirement, financial independence, and saving money, each episode provides you with the tools needed to achieve your financial goals. This podcast is designed for those passionate about personal finance, early retirement, financial independence, and saving money. It’s your go-to source for practical advice on managing your finances, saving money, and working towards early retirement. Each episode offers actionable steps to foster financial independence and secure your financial future. Listen now, and become an OLD friend--your optimal life awaits...

Optimal Finance Daily, hosted by Diania Merriam, the innovative mind behind the personal finance conference EconoMe, takes you on an enlightening journey through the world of personal finance. Each episode brings to life the most compelling and practical advice from leading financial bloggers and experts. Diania’s engaging narration and insightful commentary transform complex financial concepts into relatable, actionable insights. Whether it’s budgeting, investing, debt management, or money mindfulness, she covers it all, making financial wisdom accessible to everyone. Gain not just knowledge, but also the motivation to apply it in your daily life. It's not just a source of personal finance tips; it’s a daily companion that guides you towards financial independence and savvy money management, all delivered with Diania's trademark enthusiasm and expertise. By focusing on early retirement, financial independence, and saving money, each episode provides you with the tools needed to achieve your financial goals. This podcast is designed for those passionate about personal finance, early retirement, financial independence, and saving money. It’s your go-to source for practical advice on managing your finances, saving money, and working towards early retirement. Each episode offers actionable steps to foster financial independence and secure your financial future. Listen now, and become an OLD friend--your optimal life awaits...

 

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#3025

3023: Trouble with the 4 Percent Rule by Jillian Johnsrud on A Flexible Approach to Financial Indepe...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3023: Early retirement enthusiasts often base their plans on the 4% rule, but Jillian Johnsrud highlights the emotional and psychological challenges this approach can create. By exploring how transitions like leaving work can disrupt the satisfaction of earning and saving, Jillian advocates for a more personalized and flexible approach to financial independence. Her insights empower listeners to design retirement strategies that align with their values and happiness, instead of rigid formulas. Read along with the original article(s) here: [https://www.jillianjohnsrud.com/trouble-with-the-4-rule/] (https://www.jillianjohnsrud.com/trouble-with-the-4-rule/) Quotes to ponder: "A plan that felt a little more palatable when the time comes to leave your 9-5 job." "Transitions deregulate us. Every time." "You can have 100% confidence in the 4% rule and still not enjoy pulling out 4% a year." Episode references: Tickets to EconoMe Conference: [https://economeconference.com] (https://economeconference.com/) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

15 hrs Ago

09 MINS

09:25

15 hrs Ago

#3024

3022: The Myth Of Diversification And Why It Means It’s Okay To Take Chances by Kevin of Financial P...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3022: Taking chances might seem risky, but as Kevin of Financial Panther points out, we already make all-in bets on our careers, relationships, and life choices without even realizing it. Rather than fearing the unknown, embracing uncertainty can be freeing especially when most decisions aren’t as life-altering as they seem. By recognizing that we’ve already taken big leaps, we can give ourselves permission to take more chances on what truly matters. Read along with the original article(s) here: [https://financialpanther.com/the-myth-of-diversification/] (https://financialpanther.com/the-myth-of-diversification/) Quotes to ponder: "It took me a long time to take a chance on myself even after years of finding myself unhappy with the work I was doing." "The worst-case scenarios that we think about rarely happen and even the worst-case scenarios usually aren’t as bad as we think they are." "If you’re going to put everything on the line anyway, you might as well put it all on the line for something you really want." Episode references: Qube Money: [https://qubemoney.com] (https://qubemoney.com/) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

Yesterday

11 MINS

11:56

Yesterday

#3023

3021: How to Calculate Your Net Worth And Why It Can Help by Jackie Beck on Financial Awareness and ...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3021: Understanding your net worth is a powerful tool for financial awareness. Jackie Beck breaks down how to calculate it, why it matters, and how tracking it over time can guide your financial decisions. Whether you're aiming to pay off debt or build wealth, knowing where you stand helps you set meaningful goals and measure progress. Read along with the original article(s) here: [https://www.jackiebeck.com/net-worth/] (https://www.jackiebeck.com/net-worth/) Quotes to ponder: "Net Worth = Assets - Liabilities. It’s as simple as that, but understanding this equation can change how you approach your finances." "You live your life, not anyone else’s, so paying attention to your money is key." "Knowing where you are money-wise can help you pick what to focus on. That’s important if you want to reach your goals." Episode references: Tiller’s Spreadsheet: [https://www.tillerhq.com/] (https://www.tillerhq.com/) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

28 Jan 2025

11 MINS

11:03

28 Jan 2025

#3022

3020: [Part 2] Stocks - Part XXIII: Selecting Your Asset Allocation by JL Collins on Wealth Accumula...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3020: JL Collins breaks down the key factors in determining your asset allocation, focusing on risk tolerance, flexibility, and financial standing. He explains how these elements shape investment decisions, highlights personal examples, and offers insights into balancing stocks and bonds based on your financial stage. Whether you're in wealth accumulation or preservation, this guide helps you craft a strategy suited to your goals. Read along with the original article(s) here: [https://jlcollinsnh.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/] (https://jlcollinsnh.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/) Quotes to ponder: "Only you can decide, but if ever there was a time to be brutally honest with yourself, this is it." "For the smoothest transition, you might start slowly shifting into your bond allocation 5 or 10 years before you are fully retired." "It is better to buy and sell in tax-advantaged accounts to avoid creating taxable events." Episode references: Never Pay Taxes Again: [https://www.gocurrycracker.com/never-pay-taxes-again/] (https://www.gocurrycracker.com/never-pay-taxes-again/) The Simple Path to Wealth: [ https://www.amazon.com/Simple-Path-Wealth-Financial-Independence/dp/1533667926] (https://www.amazon.com/Simple-Path-Wealth-Financial-Independence/dp/1533667926) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

27 Jan 2025

11 MINS

11:06

27 Jan 2025

#3021

3019: [Part 1] Stocks - Part XXIII: Selecting Your Asset Allocation by JL Collins on Building and Pr...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3019: JL Collins emphasizes the power of simplicity in investing, advocating for a two-fund strategy using VTSAX (stocks) and VBTLX (bonds) to navigate the wealth acquisition and preservation stages. He explains that while 100% stocks often yield the best returns, adding a small percentage of bonds can smooth volatility. The key to success isn’t complexity but discipline staying the course through market ups and downs while keeping costs low. Read along with the original article(s) here: [https://jlcollinsnh.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/] (https://jlcollinsnh.com/2014/06/10/stocks-part-xxiii-selecting-your-asset-allocation/) Quotes to ponder: “There is a major crash coming and you’ve got to toughen up, cupcake, because nobody can predict when, despite all those claiming they can.” “The more you hold in stocks the better your results and the more gut wrenching the volatility you’ll be required to endure.” “Making a few sound choices and letting them run is the essence of success, and the soul of the simple path to wealth.” Episode references: Vanguard Retirement Nest Egg Calculator: [https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf] (https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.jsf) Betterment: [https://www.betterment.com] (https://www.betterment.com/) The Simple Path to Wealth: [https://www.amazon.com/Simple-Path-Wealth-Financial-Independence/dp/1533667926] (https://www.amazon.com/Simple-Path-Wealth-Financial-Independence/dp/1533667926) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

26 Jan 2025

10 MINS

10:45

26 Jan 2025

#3020

3018: Millionaire Success Habits & How One Simple Change Can Lead To Business Success by Steve Chou

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3018: Small habits shape our lives more than we realize, and Steve Chou explains how a single tiny change can set off a chain reaction of lasting success. By shifting just one routine, you can reshape your mindset, build momentum, and create exponential growth over time. Understanding the power of habit formation unlocks your potential for long-term transformation. Read along with the original article(s) here: [https://mywifequitherjob.com/your-habits-and-how-one-small-change-can-lead-to-long-term-success/] (https://mywifequitherjob.com/your-habits-and-how-one-small-change-can-lead-to-long-term-success/) Quotes to ponder: "Small changes, when consistently repeated, create exponential results over time." "The habits you cultivate today determine the trajectory of your future success." "Success isn’t built overnight; it’s the result of tiny, consistent steps taken over time." Episode references: Atomic Habits: [https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299] (https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299) Tiny Habits: [https://www.amazon.com/Tiny-Habits-Changes-Change-Everything/dp/0358003326] (https://www.amazon.com/Tiny-Habits-Changes-Change-Everything/dp/0358003326) The Power of Habit: [https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X] (https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

26 Jan 2025

10 MINS

10:34

26 Jan 2025

#3019

3017: The 10 Reasons Why You’re Living Paycheck To Paycheck by Christina Browning of Our Rich Journe...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3017: Many high-income earners still struggle financially, living paycheck to paycheck due to unchecked spending habits. Christina Browning of OurRichJourney.com highlights key reasons why, from overspending on housing, cars, and gadgets to financing vacations and keeping up appearances. By identifying these pitfalls and shifting toward mindful money management, financial independence becomes more attainable. Read along with the original article(s) here: [https://www.ourrichjourney.com/post/the-10-reasons-why-youre-living-paycheck-to-paycheck] (https://www.ourrichjourney.com/post/the-10-reasons-why-youre-living-paycheck-to-paycheck) Quotes to ponder: "You don’t know where your money is going this is a pretty basic one, and can easily be solved by making a budget and tracking your expenses." "Keeping up with the Joneses is nowhere near as important as having assets and financial stability." "Vacations can cost big money! My recommendation to you: budget for your vacation, plan your vacations out ahead of time, save for your vacations, and don’t go into debt over a vacation!" Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

25 Jan 2025

11 MINS

11:14

25 Jan 2025

#3018

3016: I Used To Be a Hater by FIRECracker of Millennial Revolution on Self-Awareness and Personal Gr...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3016: Firecracker reflects on her past as a "hater," resisting the hard truths of Larry Smith's TED talk on fear and excuses. Over time, she recognizes that her resistance was rooted in fear of failure, leading her to push past self-doubt and pursue her dreams. Her journey highlights the power of self-awareness, the courage to face discomfort, and the importance of stepping out of the safety of excuses to build a fulfilling life. Read along with the original article(s) here: [https://www.millennial-revolution.com/freedom/i-used-to-be-a-hater/] (https://www.millennial-revolution.com/freedom/i-used-to-be-a-hater/) Quotes to ponder: "When you’re afraid, it’s easy to become a hater. Because haters don’t need to step into the arena, they don’t need to look ridiculous, they don’t need to show up, day after day, week after week, year after year." "I’m glad I’m not a hater anymore. I’m glad I pushed past the fear. I’m glad I got to where I am today because I refused to let myself get too comfortable." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

24 Jan 2025

12 MINS

12:16

24 Jan 2025

#3017

3015: 5 Financial Habits Every Powerful Woman Needs by Daneika of Learning 2 Fly on How to Save Mone...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3015: Daneika of Learning2Fly.org shares five essential financial habits every powerful woman should cultivate to create financial freedom and stability. From paying yourself first and living below your means to eliminating debt and building an opportunity fund, these habits empower women to take control of their financial future. By mastering these principles, you'll have the flexibility to embrace opportunities and navigate life's uncertainties with confidence. Read along with the original article(s) here: [https://learning2fly.org/5-financial-habits-every-powerful-woman-needs/] (https://learning2fly.org/5-financial-habits-every-powerful-woman-needs/) Quotes to ponder: "Your biggest financial obligation is to yourself first." "The more of a gap you can create between what you earn and what you spend, the easier it will be to navigate a sudden job loss, an unexpected medical condition, or major car repair." "Whatever long-term goals you may have, deciding to create an opportunity fund for yourself will give you the ability to say yes to your deepest desires and dreams in the future." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

23 Jan 2025

09 MINS

09:09

23 Jan 2025

#3016

3014: Cash Tips: Review Your Car, Home or Renters Insurance by Harry N. Stout of FinancialVerse on S...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3014: Reviewing your insurance policies annually can save you money and ensure you have the right coverage. Harry Stout emphasizes the importance of shopping around for auto, home, and renters insurance, maximizing discounts, and considering a personal umbrella liability policy for added protection. Small adjustments like bundling policies, improving your credit score, or raising deductibles can lead to significant savings while keeping you financially secure. Read along with the original article(s) here: [https://www.financialverse.com/post/review-your-car-home-or-renters-insurance] (https://www.financialverse.com/post/review-your-car-home-or-renters-insurance) Quotes to ponder: "You can save money on your home, renters, and car insurance coverage by taking some time once per year to see if you are getting a competitive price for the coverage you need." "Raising your deductible can save you as much as 25% on your premium." "Shopping around with different insurance carriers will make sure you have the best rates possible." Episode references: Insurance Information Institute: [https://www.iii.org] (https://www.iii.org/) Top Tips for The Best Car Insurance Plan: [https://cheapquotesautoinsurance.com/top-tips-for-the-best-car-insurance-plan] (https://cheapquotesautoinsurance.com/top-tips-for-the-best-car-insurance-plan) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

22 Jan 2025

09 MINS

09:25

22 Jan 2025

#3015

3013: Mark Cuban Tells You How To Get Rich by J Money of Budgets Are Sexy on Wealth Building Advice

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3013: J. Money breaks down Mark Cuban’s no-nonsense approach to getting rich, emphasizing discipline, smart spending, and having cash ready for opportunities. Cuban warns against get-rich-quick schemes, promotes lifelong learning, and challenges conventional retirement savings by prioritizing cash liquidity over long-term stockpiling. J. Money adds his own insights, making wealth-building feel practical, strategic, and achievable. Read along with the original article(s) here: [https://www.budgetsaresexy.com/mark-cuban-how-to-get-rich/] (https://www.budgetsaresexy.com/mark-cuban-how-to-get-rich/) Quotes to ponder: "There are no shortcuts. NONE. If a deal is a great deal, they aren’t going to share it with you." "Save as much money as you possibly can. Every penny you can. no matter what." "It doesn’t matter what it is. Whatever your hobbies, interests, passions are, find the one you love the best and GET A JOB in the business that supports it." Episode references: The Millionaire Next Door: [https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474] (https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

21 Jan 2025

11 MINS

11:01

21 Jan 2025

#3014

3012: 5 Terrible Money Habits Keeping You Broke by Jen Hayes on Financial Goals and Building Wealth

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3012: Jen Hayes breaks down five common money habits that could be keeping you broke. From emotional spending to avoiding financial planning, these behaviors can quietly sabotage your financial health. Learn how to spot these habits and replace them with smarter choices to build long-term financial security. Read along with the original article(s) here: [https://www.jenhayes.me/5-terrible-money-habits-keeping-you-broke/] (https://www.jenhayes.me/5-terrible-money-habits-keeping-you-broke/) Quotes to ponder: "Emotional spending feels good in the moment, but it can wreck your budget in the long run." "Small daily expenses, like coffee runs and impulse buys, add up faster than you think." "Without a plan, money disappears - it’s time to take control and tell it where to go." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

20 Jan 2025

09 MINS

09:15

20 Jan 2025

#3013

3011: 5 Things You Should Stop Wasting Money On by Julien Saunders of Rich And Regular on Financial ...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3011: Julien Saunders challenges us to rethink common expenses, from greeting cards to kitchen gadgets, that drain resources unnecessarily. By examining these habits, he highlights the power of questioning societal norms and embracing creative alternatives to better align spending with personal values and financial goals. Read along with the original article(s) here: [https://richandregular.com/5-things-you-should-stop-wasting-money-on/] (https://richandregular.com/5-things-you-should-stop-wasting-money-on/) Quotes to ponder: "Do I literally hate greeting cards? Of course not. Well, at least not as much as I hate the excuses some people make for not having enough money to save and invest." "In a world where we can push a button on a screen and actually see someone’s face in real-time, the process of sending greeting cards seems more like a wasteful commitment to clutter and inefficiency than a heartfelt notion." "Whether it’s finally pulling the plug on a stalled career, quitting a cash-draining hobby turned business endeavor, or realizing that we may actually never grow into our home, there are likely better decisions we could all be making with our money." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

19 Jan 2025

12 MINS

12:02

19 Jan 2025

#3012

3010: 6 Ways to Sway Your Family Into a Life of Minimalism by Zoe Kim on Emotional Wellbeing

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3010: Zoe Kim’s insight into minimalism explores how simplifying your life can lead to greater clarity, purpose, and emotional well-being. Through her thoughtful perspective, she demonstrates how owning and wanting less creates space for what truly matters. Read along with the original article(s) here: [https://nosidebar.com/life-of-minimalism/] (https://nosidebar.com/life-of-minimalism/) Quotes to ponder: "A minimalist life removes the distractions of excess to make room for more important pursuits." "Simplicity isn’t about deprivation; it’s about intention and clarity." "Owning less is great, but wanting less is even better." Episode references: Becoming Minimalist Blog: [https://www.becomingminimalist.com] (https://www.becomingminimalist.com/) Simplify Magazine: [https://simplifymagazine.com] (https://simplifymagazine.com/) The Minimalist Home: [https://www.amazon.com/Minimalist-Home-Room-Room-Decluttered/dp/1601427999] (https://www.amazon.com/Minimalist-Home-Room-Room-Decluttered/dp/1601427999) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

19 Jan 2025

09 MINS

09:43

19 Jan 2025

#3011

3009: When to Prepay Your Mortgage Instead of Investing by Chris of Keep Thrifty on Financial Risk T...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3009: Chris of KeepThrifty.com explores the trade-offs between prepaying your mortgage and investing, emphasizing the role of risk tolerance and personal preferences. While investing often yields higher returns, the guaranteed stability of prepayments can bring peace of mind, especially for those who value financial certainty over potential gains. Read along with the original article(s) here: [https://www.keepthrifty.com/2016/06/05/prepay-vs-invest.html] (https://www.keepthrifty.com/2016/06/05/prepay-vs-invest.html) Quotes to ponder: "Much of our momentum on paying the mortgage down can be attributed to the prepayments we’ve made along the way." "For my risk-profile, the relative downside (pain) of losing $33,000 is more impactful than the relative upside (gain) of getting $55,000." "Before you make any major financial decision, do the math and know your mentality!" Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

18 Jan 2025

12 MINS

12:52

18 Jan 2025

#3010

3008: Should I Have Closed My Credit Cards by Sam of Financial Samurai on Financial Wellness

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3008: Sam from Financial Samurai explores the consequences of closing credit cards, sharing personal insights and practical advice to safeguard your credit score and financial health. By understanding key factors like credit history, credit line usage, and account management, you can make informed decisions about whether to keep or close your credit cards. Read along with the original article(s) here: [https://www.financialsamurai.com/should-i-close-out-my-credit-cards/] (https://www.financialsamurai.com/should-i-close-out-my-credit-cards/) Quotes to ponder: "To build a good credit score, you need to prove you can handle credit!" "If a credit card doesn’t have an annual fee, I see little reason to close it unless, of course, you think it will tempt you to overspend." "Work on kicking your addictive habits first, before using a credit card." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

17 Jan 2025

09 MINS

09:17

17 Jan 2025

#3009

3007: What is a Family Trust and Should You Set One Up by Jeff Rose of Good Financial Cents on Estat...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3007: Explore the advantages of setting up a family trust to secure your assets, streamline estate planning, and ensure your legacy is protected. This guide highlights the steps, benefits, and key considerations to help you decide if a family trust aligns with your financial goals. Read along with the original article(s) here: [https://www.goodfinancialcents.com/family-trust-benefits-setting-up-trust/] (https://www.goodfinancialcents.com/family-trust-benefits-setting-up-trust/) Quotes to ponder: "A family trust can offer a combination of asset protection and peace of mind for generations." "Setting up a trust isn't just for the wealthy; it's for anyone who wants their assets managed with care and foresight." "A trust simplifies estate management, making it easier for your loved ones to focus on what truly matters." Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

16 Jan 2025

10 MINS

10:38

16 Jan 2025

#3008

3006: Invest Overview - Fueling Your Net Worth by ESI Money on How to Build Wealth Through Investing

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3006: ESI from ESIMoney.com breaks down the transformative power of investing, the third step in the "Earn, Save, Invest" wealth-building strategy. By focusing on amount, time, and return, investments compound to multiply your net worth over time. With insights into index funds, real estate, and more, this guide simplifies how to grow wealth efficiently. Read along with the original article(s) here: [https://esimoney.com/invest-overview-fueling-your-net-worth/] (https://esimoney.com/invest-overview-fueling-your-net-worth/) Quotes to ponder: "Time is the best way to maximize your investment return because your money starts to make money. And then that money starts making money." "Investing is the step that supercharges your net worth and opens the door to high levels of wealth." "Done well, your net worth will shoot to the moon." Episode references: The Simple Path to Wealth by JL Collins: [https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926] (https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926) Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at [readthejoe.com/subscribe-swap] (https://readthejoe.com/subscribe-swap) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

15 Jan 2025

10 MINS

10:32

15 Jan 2025

#3007

3005: Budget Busters How to Plan for Unexpected Expenses by Chelsea of Smart Money Mamas

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3005: Chelsea from SmartMoneyMamas.com explains the practical steps to safeguard your budget from unexpected expenses by dividing them into predictable and unpredictable categories. She highlights the importance of building annual budgets, creating sinking funds, and prioritizing an emergency fund to transform financial stress into manageable bumps in the road. Read along with the original article(s) here: [https://smartmoneymamas.com/how-to-plan-for-unexpected-expenses/] (https://smartmoneymamas.com/how-to-plan-for-unexpected-expenses/) Quotes to ponder: "Building irregular expenses into your budget is one of the pillars of creating a budget that works long-term." "It always seems impossible until it is done." "An emergency fund is your financial life jacket. It keeps you from sinking into debt just because you didn’t budget for something." Episode references: YNAB (You Need a Budget): [https://oldpodcast.com/track] (https://oldpodcast.com/track) Qube Money: [https://qubemoney.com] (https://qubemoney.com/) University of Minnesota Extension on family clothing budgets: [https://extension.umn.edu] (https://extension.umn.edu/) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

14 Jan 2025

12 MINS

12:31

14 Jan 2025

#3006

3004: Risk Gets the Reward by Chris Reining on Investment Returns and Increasing Market Volatility

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3004: Chris Reining's exploration of risk and reward illustrates how calculated risk-taking, as seen in Arnold Schwarzenegger's multifaceted career and real estate investments, paves the way for growth and success. He delves into tailoring investment strategies to personal risk tolerance, emphasizing the balance between safety and potential returns, and highlights the importance of long-term perspective in weathering market volatility. Read along with the original article(s) here: [https://chrisreining.com/risk-reward/] (https://chrisreining.com/risk-reward/) Quotes to ponder: "Safety is fine, just be aware risk gets the rewards." "My intention was to minimize my future regret. So I split my contributions 50/50 between bonds and equities." "If there was a way to make money hand over fist with no risk wouldn’t everyone on the planet be rich?" Episode references: The Investor’s Manifesto: [https://www.amazon.com/Investors-Manifesto-Preparing-Prospering-Rational/dp/0470505141] (https://www.amazon.com/Investors-Manifesto-Preparing-Prospering-Rational/dp/0470505141) Tools of Titans: [https://www.amazon.com/Tools-Titans-Billionaires-World-Class-Performers/dp/1328683788] (https://www.amazon.com/Tools-Titans-Billionaires-World-Class-Performers/dp/1328683788) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

13 Jan 2025

10 MINS

10:17

13 Jan 2025

#3005

3003: How to Find a Good Tax Preparer by Kelley Long of Financial Finesse on Money Advice

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3003: Kelley Long shares practical advice for navigating the complexities of hiring a tax professional. Whether you're a self-employed entrepreneur or have straightforward tax needs, she clarifies the roles of tax preparers, EAs, and CPAs, and offers actionable tips to ensure you find the right expert to save time, money, and stress. Read along with the original article(s) here: [https://www.financialfinesse.com/2017/04/26/how-to-find-a-good-tax-preparer/] (https://www.financialfinesse.com/2017/04/26/how-to-find-a-good-tax-preparer/) Quotes to ponder: "Pretty much anyone can call themselves a tax preparer, although the IRS has started to regulate that by requiring people who accept payment for preparing taxes to have a PTIN." "If time is money, then the money we pay our accountant to prepare and file our taxes is money well spent." "The sad fact is that there aren’t a lot of CPAs out there that actually want to do income taxes for regular families who just have jobs, kids, a house, and a few charitable donations." Episode references: Illinois CPA Society: [https://www.icpas.org] (https://www.icpas.org/) National Association of Enrolled Agents: [https://www.naea.org] (https://www.naea.org/) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

12 Jan 2025

10 MINS

10:37

12 Jan 2025

#3004

3002: The Smart Way to Stick to Habits by Leo Babauta of Zen Habits on Overcoming Negative Self-Talk

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3002: Leo Babauta outlines a practical system to make habits stick by addressing common obstacles like loss of enthusiasm, distractions, and negative self-talk. By starting small, creating strong accountability, and setting up reminders, you can effectively overcome these challenges and turn new behaviors into lasting habits. Read along with the original article(s) here: [https://zenhabits.net/stick/] (https://zenhabits.net/stick/) Quotes to ponder: "Your mind says, 'This is too hard!' or 'Skipping it this time won’t hurt!' These are just weaselly ways to get out of discomfort." "Don’t negotiate with these terrorists. Notice when these thoughts come up, and banish them." "Start small. Keep the habit very small. As small as possible, until it becomes your new 'normal.'" Episode references: Good Habits, Bad Habits: [https://www.amazon.com/Good-Habits-Bad-Science-Positive/dp/1250159075] (https://www.amazon.com/Good-Habits-Bad-Science-Positive/dp/1250159075) Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

12 Jan 2025

12 MINS

12:27

12 Jan 2025

#3003

3001: Instant Gratification Wish List: Becoming a Patient Spender by Kumiko Love of The Budget Mom

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3001: Kumiko Love explores the pervasive culture of instant gratification and its impact on finances. She offers practical tools like Shopping Lists, Wait Lists, and Instant Gratification Wish Lists to help you cultivate patience and make thoughtful spending decisions. By focusing on delayed gratification, you can achieve financial goals while still enjoying occasional treats without guilt. Read along with the original article(s) here: [https://www.thebudgetmom.com/instant-gratification-wish-list-becoming-a-patient-spender/] (https://www.thebudgetmom.com/instant-gratification-wish-list-becoming-a-patient-spender/) Quotes to ponder: “Getting what we want right now does not make our lives better LATER.” “Delayed gratification is being kind to your future self.” “The goal with the Instant Gratification Wish List is to turn the ‘Instant’ into ‘Anticipated.’” Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

11 Jan 2025

13 MINS

13:06

11 Jan 2025

#3002

3000: 7 Rules on How to Grow Wealth: Growing Wealth Slow, but Sustainable by The Editors of Get Rich...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ OLDPodcast.com] (https://oldpodcast.com/) . Episode 3000: In "7 Rules for Growing Slow (But Sustainable) Wealth," the editors of GetRichSlowly.org outline a clear framework for building lasting financial security. From prioritizing net income over gross, to diversifying income streams and leveraging investments strategically, these principles emphasize steady, long-term growth. The goal is not overnight success, but a decade-long journey towards financial independence through discipline, risk tolerance, and smart scaling. Read along with the original article(s) here: [https://www.getrichslowly.org/7-rules-for-growing-slow-but-sustainable-wealth/] (https://www.getrichslowly.org/7-rules-for-growing-slow-but-sustainable-wealth/) Quotes to ponder: "Think net instead of gross increasing your net income by lowering your taxes is no different than raising your gross income." "Create budgets to save some and invest the rest. This by itself is a savings account with minimal risk that leads to much better returns." "Scaling is your ability to add different types of investments to your portfolio based on the size of your wealth." Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

10 Jan 2025

12 MINS

12:00

10 Jan 2025

#3001

2999: When It Makes Sense to Refinance Your Mortgage (And When It Doesn’t) by Andy Hill of Marriage ...

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: [ ] (https://oldpodcast.com/) [OLDPodcast.com] (https://oldpodcast.com/) . Episode 2999: Discover when refinancing your mortgage could be a smart financial move and when it might not be worth the effort. This guide demystifies key factors like interest rates, loan terms, and closing costs to help you make informed decisions that align with your financial goals. Read along with the original article(s) here: [https://marriagekidsandmoney.com/when-it-makes-sense-to-refinance-your-mortgage-when-it-doesnt] (https://marriagekidsandmoney.com/when-it-makes-sense-to-refinance-your-mortgage-when-it-doesnt) Quotes to ponder: "Refinancing isn't always about lowering your interest rate; it's about aligning your loan with your long-term financial goals." "The savings from refinancing depend on how long you stay in the home after the refinance closes." "Don't let lower rates fool you into forgetting the upfront costs - it’s the overall picture that counts." Learn more about your ad choices. Visit [megaphone.fm/adchoices] (https://megaphone.fm/adchoices) ... Read more

09 Jan 2025

12 MINS

12:05

09 Jan 2025