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

1786: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto

Fritz Gilbert rethinks the 4% rule. This is part 1 of 2. Episode 1786: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both t...

Jan 29, 202212 minEp. 1786

1785: The Tale of Two Cab Rides by J. Money of Budgets Are Sexy on Intentional Spending & Rational Budgeting

J. Money of Budgets Are Sexy shares the tale of two cab rides Episode 1785: The Tale of Two Cab Rides by J. Money of Budgets Are Sexy on Intentional Spending & Rational Budgeting J. Money is a 6’1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys. He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance blogging and idea sharing, randomly turning BudgetsAreSexy....

Jan 28, 202212 minEp. 1785

1784: The Millionaire Mindset To Achieve Financial Independence by Brian Tracy on The Millionaire Next Door Principles

Brian Tracy discusses the millionaire mindset that can help you achieve financial independence Episode 1784: The Millionaire Mindset To Achieve Financial Independence by Brian Tracy on The Millionaire Next Door Principles Brian Tracy's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. BrianTracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 70 othe...

Jan 27, 202216 minEp. 1784

1783: Carfree For Life by A Purple Life on Simple Living Practices

A Purple Life talks about going car-free for life Episode 1783: Carfree For Life by A Purple Life on Simple Living Practices A Purple Life was started by an anonymous writer in 2015. They hatched a plan to retire in 10 years at 35, and with the help of decreased spending, increased wages, and geoarbitrage, they reached their goal in half the time and retired in 2020 at age 30. A Purple Life catalogues their journey to and through early retirement The original post is located here: https://apurpl...

Jan 26, 202213 minEp. 1783

1782: How to Balance Simplicity and Frugality by Julianna Poplin of The Simplicity Habit on Minimalism & Finances

Julianna Poplin of The Simplicity Habit teaches you how to balance simplicity and frugality Episode 1782: How to Balance Simplicity and Frugality by Julianna Poplin of The Simplicity Habit on Minimalism & Finances Julianna is a professional declutterer and writer at The Simplicity Habit. She writes to encourage and inspire women who want to simplify their homes and lives The original post is located here: https://www.thesimplicityhabit.com/how-to-balance-simplicity-and-frugality/ Visit Me Online...

Jan 25, 202213 minEp. 1782

1781: Money Does Not Buy Better Habits AND Scared to Death of Death: The Important Things We Postpone by Joshua Fields Millburn

Joshua Fields Millburn of The Minimalists reviews habits when it comes to money, and the important financial things we postpone related to death. Episode 1781: Money Does Not Buy Better Habits AND Scared to Death of Death: The Important Things We Postpone by Joshua Fields Millburn Joshua Fields Millburn & Ryan Nicodemus write about living a meaningful life with less stuff for 4 million readers. As featured on: ABC, CBS, NBC, BBC, TODAY, NPR, TIME, Forbes, The Atlantic, New York Times, Wall Stree...

Jan 24, 202211 minEp. 1781

1780: [Part 2] Spend Less - Live More by Leif of Physician On Fire on Intentional Spending & Living

Leif of Physician on Fire helps you spend less and live more. This is part 2 of 2 Episode 1780: [Part 2] Spend Less - Live More by Leif of Physician On Fire on Intentional Spending & Living Leif is a former anesthesiologist, a family man, and a supposed outdoors enthusiast who spends way too much time indoors. Physician on FIRE is a personal finance website he created to inform and inspire both physicians and our patients with insightful writing from a physician who has attained financial indepe...

Jan 23, 202213 minEp. 1780

1779: [Part 1] Spend Less - Live More by Leif of Physician On Fire on Intentional Spending & Living

Leif of Physician on Fire helps you spend less and live more. This is part 1 of 2 Episode 1779: [Part 1] Spend Less - Live More by Leif of Physician On Fire on Intentional Spending & Living Leif is a former anesthesiologist, a family man, and a supposed outdoors enthusiast who spends way too much time indoors. Physician on FIRE is a personal finance website he created to inform and inspire both physicians and our patients with insightful writing from a physician who has attained financial indepe...

Jan 22, 202212 minEp. 1779

1778: 3 Reasons You Should Stop Budgeting By The Month by Nick True of Mapped Out Money on Financial Goals

Nick True of Mapped Out Money shares 3 reasons why you should stop budgeting by the month. Episode 1778: 3 Reasons You Should Stop Budgeting By The Month by Nick True of Mapped Out Money on Financial Goals Nick True is the founder of Mapped Out Money, where he helps you get a grip on your finances and take hold of freedom. His goal is to help you save more, live more, reduce debt, and get free. Mapped Out Money is for you if you want actionable steps to help get control of your money, you want t...

Jan 21, 202214 minEp. 1778

1777: How To Feel Financially Empowered And Make The Best Decisions Possible by Robert Farrington of TheCollegeInvestor

Robert Farrington of The College Investor helps you feel financially empowered and make the best decisions possible Episode 1777: How To Feel Financially Empowered And Make The Best Decisions Possible by Robert Farrington of TheCollegeInvestor Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world ...

Jan 20, 202212 minEp. 1777

1776: The More Runway You Have, The Safer You are by Barney of The Escape Artist Blog on Financial Security & Wellbeing

Barney of The Escape Artist reminds us that the more runway we have, the safer we are Episode 1776: The More Runway You Have, The Safer You are by Barney of The Escape Artist Blog on Financial Security & Wellbeing Barney Whiter writes about money and financial freedom at The Escape Artist. He has a degree in economics, is a qualified chartered accountant and had a 20 year career in corporate finance in London. Most recently, he is providing financial coaching to entrepreneurs, employees, and oth...

Jan 19, 202212 minEp. 1776

1775: The Long Game Always Wins by Kevin of Financial Panther on Compounding Interest & Long-Term Investing

Kevin of Financial Panther reminds you that the long game always wins Episode 1775: The Long Game Always Wins by Kevin of Financial Panther on Compounding Interest & Long-Term Investing 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, travel hacking, and makin...

Jan 18, 202215 minEp. 1775

1774: What You Should Know About Index Funds by Kumiko of The Budget Mom on Total Stock Market Investing

Kumiko of The Budget Mom tells you some important information about index funds Episode 1774: What You Should Know About Index Funds by Kumiko of The Budget Mom on Total Stock Market Investing 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/what-you-shou...

Jan 17, 202214 minEp. 1774

1773: [Part 2] Why You Should Invest, Even in Peak Markets by Chelsea of Smart Money Mamas on Investment Strategies

Chelsea Brennan of Smart Money Mamas talks about why to invest even when the market is peaking. This is part 2 of 2. Episode 1773: [Part 2] Why You Should Invest, Even in Peak Markets by Chelsea of Smart Money Mamas on Investment Strategies Chelsea Brennan is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives. The original post can be found here: https://smartmoneymamas.com/investing-in...

Jan 16, 202212 minEp. 1773

1772: [Part 1] Why You Should Invest, Even in Peak Markets by Chelsea of Smart Money Mamas on Investment Strategies

Chelsea Brennan of Smart Money Mamas talks about why to invest even when the market is peaking. This is part 1 of 2. Episode 1772: [Part 1] Why You Should Invest, Even in Peak Markets by Chelsea of Smart Money Mamas on Investment Strategies Chelsea Brennan is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives. The original post can be found here: https://smartmoneymamas.com/investing-in...

Jan 15, 202212 minEp. 1772

1771: Emotions of Financial Independence by The Mad Fientist of the Financial Independence Podcast on Early Retirement

The Mad Fientist questions what it means to retire early. Episode 1771: Emotions of Financial Independence by The Mad Fientist of the Financial Independence Podcast on Early Retirement The Mad Fientist analyzes the tax code and looks at personal finance through the lens of early financial independence to develop strategies and tactics to help you retire even earlier. Most personal finance advice is geared towards people retiring in their 60s or later and doesn’t apply to those of us pursuing ear...

Jan 14, 202212 minEp. 1771

1770: 7 Questions to Ask Yourself to Be Better With Money by Kelly Blodgett of Money Gal Coaching

Kelly Blodgett of Money Gal Coaching provides 7 questions that you can ask yourself to be better with money Episode 1770: 7 Questions to Ask Yourself to Be Better With Money by Kelly Blodgett of Money Gal Coaching Before we can experience the freedom of building wealth, many of us have to remove the chains of debt. For Kelly Blodgett, she graduated with 60k in student loan debt. She faithfully made her school loan payment for 8 years. She was astonished at how little she had paid down during tha...

Jan 13, 202212 minEp. 1770

1769: Why You Have To Forgive Yourself by Wanderer with Millennial-Revolution on Money Mistakes & Redemption

Wanderer of Millennial Revolution talks about why we have to forgive ourselves Episode 1769: Why You Have To Forgive Yourself by Wanderer with Millennial-Revolution on Money Mistakes & Redemption Wanderer retired from his engineering job at a major Silicon Valley semiconductor company at the age of 33. He now travels the world seeking out knowledge from other wealthy people, so he can teach people how to become financially independent themselves. The original post can be seen here: https://www.m...

Jan 12, 202213 minEp. 1769

1768: Be An Inflection Point To Someone by Mr. 1500 of 1500 Days on Inspiring Others on A Journey to F.I.R.E.

Mr. 1500 of 1500 Days encourages you to be an inflection point to someone Episode 1768: Be An Inflection Point To Someone by Mr. 1500 of 1500 Days on Inspiring Others on A Journey to F.I.R.E. Mr. 1500 is a family guy living in Colorado with his wife and two young children. He studied biology and chemistry in college, but somehow turned into a software developer. In 2013 at the age of 39, he set a goal to build a portfolio of $1,000,000 by February 2017 - 1500 days later. He surpassed his goal an...

Jan 11, 202212 minEp. 1768

1767: The 80/20 Rule for Money: The 3 Ways Americans Spend Most of Their Money & How You Can Save More by Kyle Kowalski

Kyle Kowalski of Sloww talks about the 3 ways Americans spend most of their money and how to save more Episode 1767: The 80/20 Rule for Money: The 3 Ways Americans Spend Most of Their Money & How You Can Save More by Kyle Kowalski Kyle Kowalski, the human behind Sloww, is a corporate dropout turned solopreneur who found and created his life purpose after an existential crisis―synthesizing the world's wisdom to awaken and actualize the art of living. His crisis was the beginning of the end of my ...

Jan 10, 202215 minEp. 1767

1766: [Part 2] How to Buy Happiness by David Cain of Raptitude on Intentional Spending

David Cain shares how some purchases actually do bring him happiness, even when they are ridiculously expensive. This is part 2 of 2. Episode 1766: [Part 2] How to Buy Happiness by David Cain of Raptitude on Intentional Spending David Cain is a writer and entrepreneur living in Winnipeg, Canada. On a particular boring day at his office job in 2009, he started Raptitude. His interest has always been human society and the internal human experience, and Raptitude became his megaphone for his though...

Jan 09, 202212 minEp. 1766

1765: [Part 1] How to Buy Happiness by David Cain of Raptitude on Intentional Spending

David Cain shares how some purchases actually do bring him happiness, even when they are ridiculously expensive. This is part 1 of 2. Episode 1765: [Part 1] How to Buy Happiness by David Cain of Raptitude on Intentional Spending David Cain is a writer and entrepreneur living in Winnipeg, Canada. On a particular boring day at his office job in 2009, he started Raptitude. His interest has always been human society and the internal human experience, and Raptitude became his megaphone for his though...

Jan 08, 202212 minEp. 1765

1764: Is It Too Late To Invest by Andrea Joy of Saving Joyfully on Money Management & Investing Philosophy

Andrea Joy of Saving Joyfully talks about whether or not it's too late to invest Episode 1764: Is It Too Late To Invest by Andrea Joy of Saving Joyfully on Money Management & Investing Philosophy 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/is-it-too-...

Jan 07, 202212 minEp. 1764

1763: Why We Paid Off Our Mortgage by Julien Saunders of Rich And Regular on Debt Payoff & Debt-Free Lifestyle

Julien Saunders of Rich and Regular tells us why he paid off his mortgage Episode 1763: Why We Paid Off Our Mortgage by Julien Saunders of Rich And Regular on Debt Payoff & Debt-Free Lifestyle 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...

Jan 06, 202212 minEp. 1763

1762: The Triforce Of Wealth by Craig Stephens of Retire Before Dad on Saving & Investing Money for Wealth Building

Craig Stephens of Retire Before Dad talks about the triforce of wealth Episode 1762: The Triforce Of Wealth by Craig Stephens of Retire Before Dad on Saving & Investing Money for Wealth Building Craig Stephens of Retire Before Dad is a 43-year-old IT professional, investor, and blogger based in the Washington, DC metro area. His primary financial goal is to retire at age 55, one year before his Dad retired. He writes about how to build income streams so you can explore the unusual. His first lov...

Jan 05, 202212 minEp. 1762

1761: Why a Fixed-Rate Mortgage is the Best Choice AND To Do More - Do Less by Paula Pant of Afford Anything

Paula Pant of Afford Anything shares two short articles covering the advantages of a fixed-rate mortgage and why doing more means doing less Episode 1761: Why a Fixed-Rate Mortgage is the Best Choice AND To Do More - Do Less by Paula Pant of Afford Anything 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 metro...

Jan 04, 202214 minEp. 1761

1760: How to Overcome Your Money Mindset Issues If You Grew Up Poor by Emily Guy Birken with PT Money

Emily Guy Birken of PT Money tells you how to overcome your money mindset issues Episode 1760: How to Overcome Your Money Mindset Issues If You Grew Up Poor by Emily Guy Birken with PT Money 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 FinCon, the popul...

Jan 03, 202212 minEp. 1760

1759: 9 Things To Do To Reach Financial Independence and Retire Early by Christina Browning of Our Rich Journey

Christina Browning of Our Rich Journey informs you of 9 things you should do to reach financial independence and retire early Episode 1759: 9 Things To Do To Reach Financial Independence and Retire Early 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 re...

Jan 02, 202214 minEp. 1759

1758: When to Prepay Your Mortgage Instead of Investing by Chris of Keep Thrifty on Debt Repayment vs Investing

Chris of Keep Thrifty tells you when to prepay your mortgage instead of investing Episode 1758: When to Prepay Your Mortgage Instead of Investing by Chris of Keep Thrifty on Debt Repayment vs Investing Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to hel...

Jan 01, 202214 minEp. 1758

1757: 10 Ways You Can Have Enough Money and Stuff by Courtney Carver of Be More With Less on How to Spend Less Money

Courtney Carver of Be More With Less shares tips for how you can have enough money and things. Episode 1757: 10 Ways You Can Have Enough Money and Stuff by Courtney Carver of Be More With Less on How to Spend Less Money After decades of debt, discontent, and trying to do it all and have it all, a scary MS diagnosis stopped Courtney Carver in her tracks. She had to slow down, prioritize her health, and figure out what was really important in her life. She discovered what mattered most by getting ...

Dec 31, 202112 minEp. 1757
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