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

2146: The Oregon Trail Guide to Personal Finance: What Happens Next? by Jana with Budgets Are Sexy

Jana with Budgets Are Sexy shares the Oregon Trail guide to personal finance. Episode 2146: The Oregon Trail Guide to Personal Finance: What Happens Next? by Jana with Budgets Are Sexy 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 BudgetsAr...

Dec 25, 202212 minEp. 2146

2145: 4 Remarkably Simple Ways to Stay Motivated While Paying Off Debt by Jackie Beck

Jackie Beck helps you stay motivated while paying off debt Episode 2145: 4 Remarkably Simple Ways to Stay Motivated While Paying Off Debt by Jackie Beck 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 locate...

Dec 24, 202210 minEp. 2145

2144: The Case For and Against Umbrella Insurance by Mike Ballew

Mike Ballew of Eggstack shares the case for and against umbrella insurance Episode 2144: The Case For and Against Umbrella Insurance by Mike Ballew 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 here: https://eggstack.co...

Dec 23, 202211 minEp. 2144

2143: [Part 2] Your Aging Car: Repair or Replace? By Philip Taylor

Philip Taylor with PT Money talks about whether you should repair or replace your aging car. This is part 2 of 2. Episode 2143: [Part 2] Your Aging Car: Repair or Replace? By Philip Taylor 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 popular...

Dec 22, 202212 minEp. 2143

2142: [Part 1] Your Aging Car: Repair or Replace? By Philip Taylor

Philip Taylor with PT Money talks about whether you should repair or replace your aging car. This is part 1 of 2. Episode 2142: [Part 1] Your Aging Car: Repair or Replace? By Philip Taylor 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 popular...

Dec 21, 202212 minEp. 2142

2141: Don’t Panic! Coping With Financial Mistakes and Setbacks by JD Roth

J.D. Roth of Get Rich Slowly helps you cope with financial mistakes and setbacks Episode 2141: Don’t Panic! Coping With Financial Mistakes and Setbacks by JD Roth J.D. Roth has been reading and writing about personal finance for a decade. Today he’s financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. T...

Dec 20, 202212 minEp. 2141

2140: Want to Retire Early Abroad? Do These 10 Things First by Christina Browning

Christina Browning of Our Rich Journey tells you what to do before retiring abroad Episode 2140: Want to Retire Early Abroad? Do These 10 Things First by Christina Browning 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, quit their jobs, and retired! If you’re int...

Dec 19, 202213 minEp. 2140

2139: Finding Yourself Again (or Perhaps for the First Time) by Lisa Merlo-Booth

Lisa Merlo-Booth on finding yourself again or perhaps for the first time. Episode 2139: Finding Yourself Again (or Perhaps for the First Time) by Lisa Merlo-Booth Lisa Merlo-Booth is a straight-talking and highly effective relationship expert, speaker, and blogger. She has over twenty years of experience in the field of therapy and relationship coaching and a thriving private practice with a client base of individuals and couples spanning the United States and Europe. Lisa is widely known for he...

Dec 18, 20229 minEp. 2139

2138: Specific Identification of Shares by The Mad Fientist

The Mad Fientist on specific identification of shares. Episode 2138: Specific Identification of Shares by The Mad Fientist 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 early financial independence. The Mad Fientist is focused on prov...

Dec 18, 202211 minEp. 2138

2137: 5 Ways College Students Can Revitalize Their Finances by Rachel Vaughan

Rachel Vaughan with The Finance Twins talks about 5 ways college students can revitalize their finances Episode 2137: 5 Ways College Students Can Revitalize Their Finances by Rachel Vaughan Camilo and Francisco Maldonado are the Finance Twins. Most people think money is confusing unless you are an accountant. We used to think that too. After working incredibly hard and catching several lucky breaks, we realized so many people are looking for ways to learn about personal finance, how to manage mo...

Dec 17, 202213 minEp. 2137

2136: 6 Reusable Products That Save Me Money by Kumiko

Kumiko of The Budget Mom shares 6 reusable products that save her money Episode 2136: 6 Reusable Products That Save Me Money by Kumiko 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/6-reusable-products-that-save-me-money/ Visit Me Online at OLDPodcast.c...

Dec 16, 202212 minEp. 2136

2135: The Fallacy of Homeownership by Julien Saunders

Julien Saunders of Rich and Regular talks about the fallacy of homeownership Episode 2135: The Fallacy of Homeownership by Julien Saunders 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 blog became a place where they not only shared in the...

Dec 15, 202211 minEp. 2135

2134: When Should You Use Margin When Investing? By Shailesh Kumar

Shailesh Kumar of Good Financial Cents shares when you should use margin when investing Episode 2134: When Should You Use Margin When Investing? By Shailesh Kumar 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 Entrepreneur. The original post is located...

Dec 14, 202212 minEp. 2134

2133: Why a Roth Conversion or Backdoor Roth IRA is a Good Idea Right Now by Kathleen Coxwell

Kathleen Coxwell of NewRetirement shares why a Roth conversion or backdoor Roth IRA is a good idea right now Episode 2133: Why a Roth Conversion or Backdoor Roth IRA is a Good Idea Right Now by Kathleen Coxwell NewRetirement is a company that offers a comprehensive financial planning engine delivered via white label or API. NewRetirement delivers a combination of automated financial planning technology and educational services focused on bringing financial wellness to the mass market in customiz...

Dec 13, 202212 minEp. 2133

2132: The Downsides to Owning Out of State Rental Properties by Joel of 5AM Joel

Joel of 5AM Joel talks about the downsides of owning real estate Episode 2132: The Downsides to Owning Out of State Rental Properties by Joel of 5AM Joel Joel is a 35-year old living in Los Angeles with his wife and their dog. He was born and raised in Australia and moved to the US when he was 22. About 4 years ago he started getting up every morning at 5am. It started as one of those 30 day challenges, but after the challenge was over, Joel never stopped. He started noticing major improvements ...

Dec 12, 202211 minEp. 2132

2131: Creating A Home Gym by Ross Enamait

Ross Enamait of Ross Training talks about creating a home gym Episode 2131: Creating A Home Gym by Ross Enamait Founded by Ross Enamait, RossTraining.com is dedicated to excellence and innovations in high performance conditioning, strength, and athletic development. His goal with the site is to provide a content-rich resource to assist with your development. As a long time trainer and boxing coach, Ross has dedicated his life to the development and improvement of athletes. He has been in busines...

Dec 11, 202210 minEp. 2131

2130: 2 Reasons We Shy Away From Investing AND The Government Got the Recession it Wanted By Mr. Finer

Mr. Finer shares two short posts covering why we shy away from investing and the current recession Episode 2130: 2 Reasons We Shy Away From Investing AND The Government Got the Recession it Wanted By Mr. Finer Mr. Finer is a normal salaried employee who achieved FI with no side hustle or other income sources. After spending a decade without any plan, he started pursuing FI in his 30s, and achieved it at 40. He created his blog to share experiences, mistakes, successes, benefits, positives, and n...

Dec 11, 202212 minEp. 2130

2129: Mortgages, Home Equity, and Retirement Spending by Jeremy Jacobson

Jeremy Jacobson of Go Curry Cracker talks about mortgages, home equity and retirement spending Episode 2129: Mortgages, Home Equity, and Retirement Spending by Jeremy Jacobson Winnie Tseng is from Taiwan and is the Go Curry Cracker resident photographer. After working in high tech, she found her real love making magic happen behind the camera and in the kitchen. Now she travels the world in search of new flavors and images. Jeremy Jacobson is from the United States and is the Go Curry Cracker bl...

Dec 10, 202213 minEp. 2129

2128: Bank Roll Vs. Bank Rolled by Helene Massicotte

Helene Massicotte of Free To Pursue talks about a bank roll vs. being bank rolled Episode 2128: Bank Roll Vs. Bank Rolled by Helene Massicotte Helene Massicotte blogs about living life on your terms and experiencing true personal freedom. She describes herself as a person in search of all that life has to offer and who has built a life that enables her to do just that. No more, no less. She chose to retire from corporate life in her mid-thirties because it wasn't in line with what she wanted any...

Dec 09, 202210 minEp. 2128

2127: Should You Rely On Credit Cards For Your Emergency Fund? By Michelle Schroeder-Gardner

Michelle Schroeder-Gardner of Making Sense of Cents talks about relying on credit cards for your emergency fund Episode 2127: Should You Rely On Credit Cards For Your Emergency Fund? By Michelle Schroeder-Gardner 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...

Dec 08, 202211 minEp. 2127

2126: [Part 2] The Big Wins Manifesto by Ramit Sethi

Ramit Sethi of I Will Teach You To Be Rich shares examples of big wins and why you need to focus on them. This is Part 2 of 2. Episode 2126: [Part 2] The Big Wins Manifesto by Ramit Sethi Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his fi...

Dec 07, 202213 minEp. 2126

2125: [Part 1] The Big Wins Manifesto by Ramit Sethi

Ramit Sethi of I Will Teach You To Be Rich shares examples of big wins and why you need to focus on them. This is Part 1 of 2. Episode 2125: [Part 1] The Big Wins Manifesto by Ramit Sethi Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his fi...

Dec 06, 202212 minEp. 2125

2124: All Value is Perceived Value by April Dykman

April Dykman with Get Rich Slowly reminds you that all value is perceived value Episode 2124: All Value is Perceived Value by April Dykman J.D. Roth has been reading and writing about personal finance for a decade. Today he’s financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate. The original post is loca...

Dec 05, 202212 minEp. 2124

2123: How To Find Your Passion In Life by Mia of She Dreams All Day

Mia of She Dreams All Day shares how to find your passion in life. Episode 2123: How To Find Your Passion In Life by Mia of She Dreams All Day She Dreams All Day is a personal development and productivity blog designed to help you achieve your biggest goals and your wildest dreams. Created by Mia, a constant creative dreamer, now out to help other dreamers. The original post is located here: https://shedreamsallday.com/how-to-find-your-passion-in-life/ Visit Me Online at OLDPodcast.com Intereste...

Dec 04, 202212 minEp. 2123

2122: Stranger In A Strange Land by Jacob Lund Fisker

Jacob Lund Fisker of Early Retirement Extreme shares his thoughts on being a stranger in a strange land. Episode 2122: Stranger In A Strange Land by Jacob Lund Fisker Jacob Lund Fisker was a nuclear astrophysicist who retired at 33 with what he believes to be enough savings to last the rest of his life — even if he never works again. His "claim to fame" is the Early Retirement Extreme site, which is effectively a philosophy of life. ERE is a set of values and principles that gives readers the fr...

Dec 04, 202212 minEp. 2122

2121: Do You Have These Essential Financial Protections in Place? By Erik Carter

Erik Carter with Financial Finesse talks about essential financial protections Episode 2121: Do You Have These Essential Financial Protections in Place? By Erik Carter 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--designed to line their po...

Dec 03, 202211 minEp. 2121

2120: My Worst Money Mistakes by ESI

ESI of ESI Money talks about his worst money mistakes Episode 2120: My Worst Money Mistakes by ESI ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these t...

Dec 02, 202210 minEp. 2120

2119: 6 Ways to Turbocharge Your Savings by J. Money

J. Money of Budgets Are Sexy shares 6 ways to turbocharge your savings Episode 2119: 6 Ways to Turbocharge Your Savings by J. Money 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.com into his full time “real job” a few short y...

Dec 01, 202211 minEp. 2119

2118: Cash Flow Investments: REITs and Agency Mortgages by JT McGee

JT McGee with The College Investor talks about REITs and Agency Mortgages Episode 2118: Cash Flow Investments: REITs and Agency Mortgages by JT McGee 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 of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad...

Nov 30, 202213 minEp. 2118

2117: [Part 2] The Greatest Risk To My Retirement Goal by Craig Stephens

Craig Stephens of Retire Before Dad talks about the greatest risk to his retirement goal. This is part 2 of 2. Episode 2117: [Part 2] The Greatest Risk To My Retirement Goal by Craig Stephens 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 love i...

Nov 29, 202213 minEp. 2117
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