Optimal Finance Daily - Financial Independence and Money Advice - podcast cover

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily | Diania Merriamoldpodcast.com
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...

Episodes

1636: 4 Emergency Funds You Need Not Including The Traditional Emergency Fund by Christina Browning of Our Rich Journey

Christina Browning of Our Rich Journey informs you of 4 emergency funds you need, not including the traditional emergency fund Episode 1636: 4 Emergency Funds You Need Not Including The Traditional Emergency Fund by Christina Browning of Our Rich Journey Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39...

Sep 01, 202112 minEp. 1636

1635: The Types of Debt Explained by Jackie Beck on The Difference Between Secured and Unsecured Debts

Jackie Beck explains different types of debt Episode 1635: The Types of Debt Explained by Jackie Beck on The Difference Between Secured and Unsecured Debts Jackie and her husband paid off over $147,000 in debt, including their house! She’s walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been featured in Oprah Magazine, MarketWatch, Forbes, CNBC, and more. The original post is loc...

Aug 31, 202113 minEp. 1635

1634: How to Pay for College - Everything Undergrads Need to Know by Sarah Sharkey with Student Loan Planner

Sarah Sharkey of Student Loan Planner tells undergrads everything they need to know about paying for college Episode 1634: How to Pay for College - Everything Undergrads Need to Know by Sarah Sharkey with Student Loan Planner Student Loan Planner has the country's top experts in figuring out exactly what to do with monster student loan debt. If you owe $20,000 to $1 million in student loans, they can help you by creating a custom student loan plan made just for you that details the path to debt ...

Aug 30, 202113 minEp. 1634

1633: Does Your Brain Predict Your Financial Success by John Assaraf of My Neurogym on Financial Success

John Assaraf with My Neurogym talks about whether or not your brain predicts your financial success Episode 1633: Does Your Brain Predict Your Financial Success by John Assaraf of My Neurogym on Financial Success NeuroGym applies scientifically-proven methods and technologies for helping people expand their mental and emotional power to reach their fullest potential. Their Mission is to be the leading provider of life transforming technology, products and services to help individuals and corpora...

Aug 29, 202113 minEp. 1633

1632: Why My 77 Percent Savings Rate Means Nothing by Paula Pant of Afford Anything on What Really Matters Instead

Paula Pant of Afford Anything tells us why her 77% savings rate is meaningless Episode 1632: Why My 77 Percent Savings Rate Means Nothing by Paula Pant of Afford Anything on What Really Matters Instead Paula Pant is the founder of the award-winning website AffordAnything.com and a writer and speaker specializing in money, business, and real estate investing. She is a real estate investor, as the owner of seven rental property units in metropolitan Atlanta. She holds a real estate license in Geor...

Aug 28, 202112 min

1631: 4 Budgeting Myths You Should Ignore by Kumiko of The Budget Mom on Simple Financial Smarts

Kumiko of The Budget Mom shares 4 budgeting myths that you should ignore Episode 1631: 4 Budgeting Myths You Should Ignore by Kumiko of The Budget Mom on Simple Financial Smarts Kumiko went from having a pile of credit card debt to becoming a successful budgeter and Accredited Financial Counselor. The Budget Mom exists to empower women to build a life they love on a budget they understand and can afford. The original post is located here: https://www.thebudgetmom.com/budgeting-lies-vs-truths/ Fu...

Aug 27, 202111 minEp. 1631

1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments

Dawn Starks of Simple Money Pro talks about how to reduce the cost of car ownership Episode 1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-proje...

Aug 26, 202111 minEp. 1630

1629: Can You Really Save More Tomorrow by Scott Spann of Financial Finesse on Planning For Retirement

Scott Spann with Financial Finesse talks about the reality of retirement planning Episode 1629: Can You Really Save More Tomorrow by Scott Spann of Financial Finesse on Planning For Retirement After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--...

Aug 25, 202111 minEp. 1629

1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory

Kevin of Financial Panther shares the unexpected benefit of earning less money each year Episode 1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory Kevin is an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. He started Financial Panther to share all he knows about personal finance, t...

Aug 24, 202113 minEp. 1628

1627: Dear Dad Why Did You Let Debt Kill You by Jeff Rose of Good Financial Cents on Developing A Proper Financial Plan

Jeff Rose talks about the impact that debt has on stress and health. Episode 1627: Dear Dad Why Did You Let Debt Kill You by Jeff Rose of Good Financial Cents on Developing A Proper Financial Plan Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepre...

Aug 23, 202111 minEp. 1627

1626: [Part 2] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses

Corey of The Fioneers talk about how to save money where it matters most. This is part 2 of 2. Episode 1626: [Part 2] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses Jess and Corey started The Pioneers as a way to track their journey to financial independence. If there’s anything they have learned so far, it’s that Financial independence has many definitions. They choose to think of financial independence as: The point at which their assets produce e...

Aug 22, 202113 minEp. 1626

1625: [Part 1] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses

Corey of The Fioneers talk about how to save money where it matters most. This is part 1 of 2. Episode 1625: [Part 1] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses Jess and Corey started The Pioneers as a way to track their journey to financial independence. If there’s anything they have learned so far, it’s that Financial independence has many definitions. They choose to think of financial independence as: The point at which their assets produce e...

Aug 21, 202113 minEp. 1625

1624: Find Joy In Your Financial Goals by Andrea Joy of Saving Joyfully on Goals and Dreams Without Debt

Andrea Joy of Saving Joyfully talks about how to find joy in your financial goals Episode 1624: Find Joy In Your Financial Goals by Andrea Joy of Saving Joyfully on Goals and Dreams Without Debt Andrea Joy is the creator of Saving Joyfully, a personal finance and frugality blog emphasizing joyful living. On her website, savingjoyfully.com, she offers inspiration and resources for your journey to financial freedom. The original post is located here: https://www.savingjoyfully.com/blog/find-joy-in...

Aug 20, 202112 minEp. 1624

1623: Trouble with the 4 Percent Rule by Jillian Johnsrud on Making A Better and Happier Financial Plan

Jillian Johnsrud challenges the infamous 4% rule. Episode 1623: Trouble with the 4 Percent Rule by Jillian Johnsrud on Making A Better and Happier Financial Plan Fifteen years ago when Jillian and her husband Adam were married, they had $55,000 in debt (credit card, student loans, and medical debt). They also had big dreams. They wanted to take mini-retirements. They wanted to travel the world. And they wanted to adopt. They wanted financial freedom: to never worry about having the money to put ...

Aug 19, 202112 minEp. 1623

1622: Understanding 401k Loans by Mike Ballew of EggStack on Significant Harm to Your Retirement Savings

Mike Ballew of Eggstack helps us to understand 401k loans Episode 1622: Understanding 401k Loans by Mike Ballew of EggStack on Significant Harm to Your Retirement Savings Mike Ballew is a 56-year-old engineer turned blogger who reached a point in life where he sees things more clearly than ever before. He faced financial challenges and overcame them through hard work and determination. His blog helps others navigate their personal finances and plan for retirement. The original post is located he...

Aug 18, 202111 minEp. 1622

1621: Why I’m Not a Financial Moron by Doc G of Earn And Invest on Making Great Financial Decisions

Doc G talks about making great financial decisions Episode 1621: Why I’m Not a Financial Moron by Doc G of Earn And Invest on Making Great Financial Decisions Doc G was an internal medicine physician when he discovered the personal finance community through a book called The White Coat Investor. Since then he has left clinical practice to pursue his passion for deep conversations about money and life. The original post is located here: https://www.earnandinvest.com/blog/why-im-not-a-financial-mo...

Aug 17, 202112 minEp. 1621

1620: Financial Fear and Resistance by Alacias Enger of My Sense With Cents on Financial Independence

Alacias Enger discusses financial fear and resistance Episode 1620: Financial Fear and Resistance by Alacias Enger of My Sense With Cents on Financial Independence Sense with Cents chronicles Alacias' journey using Law of Attraction while pursuing Financial Independence, and the belief that everyone can win with money. She believes that mindset, emotion, and financial knowledge are the keys to success. All opinions are her own and do not constitute financial advice. The original post is located ...

Aug 16, 202112 minEp. 1620

1619: 5 Questions to Ask Yourself Before You Give Up On Budgeting AND Common Money Mistakes by Philip Dancy

Philip Dancy of Dancy With Money shares two short posts covering 5 questions ask yourself before giving up on budgeting and common money mistakes Episode 1619: 5 Questions to Ask Yourself Before You Give Up On Budgeting AND Common Money Mistakes by Philip Dancy Philip Dancy joined one of the top investment banking firms upon his graduation from the Five Year MBA program at Hampton University. After starting his career in New York City and getting his first check, he understood that this “adultin...

Aug 15, 202113 minEp. 1619

1618: The Only Metric That Matters by Julien Saunders of Rich And Regular on Your Financial New Worth

Julien Saunders of Rich and Regular tells us what the only metric that matters is. Episode 1618: The Only Metric That Matters by Julien Saunders of Rich And Regular on Your Financial New Worth Julien and Kiersten started rich & REGULAR in 2017 after their stint in real estate investing led them to discover the F.I.R.E movement. At that point, they'd listened to their friends complain about doing everything right, and still not really "feeling" happy with the financial progress they'd made. Their...

Aug 14, 202112 minEp. 1618

1617: 5 Financial Habits Every Powerful Woman Needs by Daneika of Learning 2 Fly on Your Financial Life

Daneika shares 5 financial habits that every powerful woman needs Episode 1617: 5 Financial Habits Every Powerful Woman Needs by Daneika of Learning 2 Fly on Your Financial Life Daneika is an artist, confidence coach, recovering people-pleaser, and the founder of Learning2Fly. She is on a mission to help creative women find their voice, increase their confidence and design a more fulfilling life The original post is located here: https://learning2fly.org/5-financial-habits-every-powerful-woman-n...

Aug 13, 202110 minEp. 1617

1616: How Do I Get My Partner on Board with Financial Independence by Andy Hill of Marriage Kids and Money

Andy Hill talks about how to get your partner on board with financial independence. Episode 1616: How Do I Get My Partner on Board with Financial Independence by Andy Hill of Marriage Kids and Money Andy Hill is a husband and father to two awesome (and crazy) kids and they hail from the great state of Michigan. His goal is to give his family the best life possible and strengthen their family tree for generations to come. In 2016, he got so geeked about this topic of young family finance that he ...

Aug 12, 202112 minEp. 1616

1615: 7 Lame Reasons People Don't Save for Retirement by Philip Taylor of PT Money on Planning For The Fututre

Philip Taylor of PT Money shares 7 lame reasons that people don't save for retirement Episode 1615: 7 Lame Reasons People Don't Save for Retirement by Philip Taylor of PT Money on Planning For The Fututre PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created Fin...

Aug 11, 202111 minEp. 1615

1614: Q&A with Diania Merriam - How to Invest with a Health Savings Account (HAS) & Universal Life Insurance

Diania Merriam answers listener questions about how to invest in a Health Savings Account and universal life insurance Episode 1614: Q&A with Diania Merriam - How to Invest with a Health Savings Account (HAS) & Universal Life Insurance Ladder makes it impressively fast and easy to get covered with affordable life insurance. No hidden fees. Cancel any time. Go to LadderLife.com/OFD to see if you’re instantly approved. Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L...

Aug 10, 202112 minEp. 1614

1613: Rejecting Consumer Norms Changed My Financial Life Forever by Lisa Harrison of Mad Money Monster

Lisa Harrison of Mad Money Monster talks about why rejecting consumer norms changed her financial life forever Episode 1613: Rejecting Consumer Norms Changed My Financial Life Forever by Lisa Harrison of Mad Money Monster Lisa is a mother, scientist, and financial enthusiast. She founded Mad Money Monster, a personal finance blog chronicling her and her family’s journey from doing money all wrong to doing it all right. She and her husband are known as Mr. & Mrs. Mad Money Monster on the site. Th...

Aug 09, 202111 minEp. 1613

1612: 7 Steps to Take to Live with Financial Freedom by Neiko Johnson with Money Mini Blog on Financially Stability

Neiko Johnson of Money Mini Blog shares 7 steps to take to live with financial freedom Episode 1612: 7 Steps to Take to Live with Financial Freedom by Neiko Johnson with Money Mini Blog on Financially Stability Kalen Bruce is the founder of MoneyMiniBlog. His story is simple… he and his wife were $24,000 in debt and became a student of finances to get out. They are now debt-free and building wealth. Kalen shares everything he has learned on his blog, writing informative, entertaining, mini blogs...

Aug 08, 202111 minEp. 1612

1611: My Crash Course in Personal Finance by Jordann with Making Sense Of Cents on Money Basics & Education

Jordann of Making Sense of Cents shares a crash course on personal finance Episode 1611: My Crash Course in Personal Finance by Jordann with Making Sense Of Cents on Money Basics & Education Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can lea...

Aug 07, 202110 minEp. 1611

1610: The 10 Reasons Why You’re Living Paycheck To Paycheck by Christina Browning of Our Rich Journey

Christina Browning of Our Rich Journey informs you of 10 reasons why you're living paycheck to paycheck Episode 1610: The 10 Reasons Why You’re Living Paycheck To Paycheck by Christina Browning of Our Rich Journey Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, qu...

Aug 06, 202113 minEp. 1610

1609: Want to Live a Happier Financial Life by Erik Carter of Financial Finesse on Making The Best Investments

Erik Carter with Financial Finesse talks about making the best investments for a happy financial life Episode 1609: Want to Live a Happier Financial Life by Erik Carter of Financial Finesse on Making The Best Investments After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly u...

Aug 05, 202111 minEp. 1609

1608: 10 Things You Shouldn't Buy When You're Broke by Jen Hayes on Making Smart Financial Decisions

Jen Hayes shares 10 things you shouldn't buy when you're broke Episode 1608: 10 Things You Shouldn't Buy When You're Broke by Jen Hayes on Making Smart Financial Decisions A few years ago, Jen and her husband were buried in $117,000 of student loan debt. Now, they've paid off over $100k of debt, and they're on track to have the rest paid off by the end of this year. Join their email list to get exclusive tips on how to save money, earn more, and live like no one else. The original post is locate...

Aug 04, 202110 minEp. 1608

1607: How to Calculate Your Net Worth And Why It Can Help by Jackie Beck on Your Assets and Liabilities

Jackie Beck tells us how to calculate net worth, and why doing so can be helpful Episode 1607: How to Calculate Your Net Worth And Why It Can Help by Jackie Beck on Your Assets and Liabilities Jackie and her husband paid off over $147,000 in debt, including their house! She’s walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been featured in Oprah Magazine, MarketWatch, Forbes, CNB...

Aug 03, 202112 minEp. 1607
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