Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3177: Jeremy Jacobson challenges the conventional wisdom of including home equity in retirement budgeting, emphasizing that doing so can create dangerous blind spots, especially during market downturns. By treating home equity separately and recognizing the benefits of imputed rent, retirees can protect their portfolios and maintain spending...
Jun 14, 2025•12 min•Ep. 3177
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3176: James Lambridis breaks down the warning signs that debt may be sabotaging your financial well-being, and why understanding your Debt-to-Income ratio is key to regaining control. He outlines clear strategies to reduce bad debt, differentiate it from good debt, and improve your overall money management for lasting financial health. Read ...
Jun 13, 2025•14 min•Ep. 3176
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3175: Christina Browning shares the powerful habits that propelled her and her husband to millionaire status and early retirement before turning 40. By mastering mindset shifts, strategic planning, debt avoidance, and conscious spending, they turned consistent daily actions into wealth-building habits that can be replicated by anyone ready t...
Jun 12, 2025•13 min•Ep. 3175
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3174: Kumiko from TheBudgetMom.com highlights how a meaningful budget begins long before the numbers hit the page. By asking yourself five essential questions about your goals, expenses, household support, review frequency, and how to handle setbacks, you can create a budget that truly serves your life, not just your spreadsheet. Her approac...
Jun 11, 2025•10 min•Ep. 3174
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3173: Craig Stephens explores the four types of travelers based on time and money - backpackers, vacationers, broke people, and financially independent travelers. He shares his journey from a budget traveler to someone working toward financial independence to achieve long-term, comfortable global travel without time or financial constraints....
Jun 10, 2025•12 min•Ep. 3173
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3172: Darrow Kirkpatrick shares practical strategies to cut expenses without sacrificing quality of life, from optimizing grocery shopping and transportation choices to cultivating better health and generosity. His advice reveals how small, mindful shifts can dramatically reduce spending and accelerate early retirement, all while enhancing p...
Jun 09, 2025•10 min•Ep. 3172
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3171: Darrow Kirkpatrick shares practical strategies to accelerate financial independence by mastering mindful spending and cutting costs in everyday life. Learn how to curb impulse buys, minimize unnecessary possessions, and tackle recurring expenses to streamline your path toward an earlier retirement without sacrificing fulfillment. Read ...
Jun 08, 2025•11 min•Ep. 3171
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3170: Steve Kamb explains how meaningful change can happen in an instant, but only if action follows insight. Drawing on experiences from Camp Nerd Fitness, he shows how small, consistent steps turn fleeting moments of motivation into lasting habits, emphasizing the shift from temporary afterglow to permanent everglow. Read along with the or...
Jun 08, 2025•11 min•Ep. 3170
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3169: Jeff Rose explains how longevity insurance can safeguard retirees against outliving their savings by providing guaranteed lifetime income. By delaying payouts, these plans maximize future payments, offering a low-risk, hands-off strategy to complement traditional investments, though not without trade-offs like lower returns and upfront...
Jun 07, 2025•12 min•Ep. 3169
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3168: Vitaliy Katsenelson uses a personal skiing mishap to illustrate how bull markets, much like groomed ski slopes, can hide underlying weaknesses in investment strategies. He urges investors to reexamine their portfolios, focus on fundamentals like earnings growth and valuations, and prepare for inevitable market downturns by adopting a d...
Jun 06, 2025•10 min•Ep. 3168
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3167: Gordon Stein explores how high-quality dividend stocks can serve as a shield against inflation while potentially accelerating portfolio growth. Highlighting examples like Lockheed Martin, Stein illustrates how dividend growth, reinvestment strategies, and careful stock selection can offer rising income and market resilience, even in vo...
Jun 05, 2025•13 min•Ep. 3167
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3166: JT McGee explores the world of mortgage REITs, explaining how they generate impressive dividend yields by leveraging government-backed and non-agency mortgage securities. He outlines the key risks tied to interest rate movements and offers practical insights on how REITs can fit into a diversified, income-focused portfolio for investor...
Jun 04, 2025•13 min•Ep. 3166
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3165: Mike Ballew shares practical, strategic guidance for navigating a hyper-competitive housing market, where hesitation can cost you your dream home. His five-step plan empowers buyers to act quickly and confidently, arming themselves with neighborhood knowledge, financial readiness, and negotiation flexibility, to avoid common regrets an...
Jun 03, 2025•12 min•Ep. 3165
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3164: Jackie Beck reveals how identifying your personal debt triggers can be the turning point to lasting financial freedom. By examining the emotional and habitual roots of your spending decisions, you can break the cycle of credit dependency and take control of your money with clarity and purpose. Read along with the original article(s) he...
Jun 02, 2025•13 min•Ep. 3164
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3163: J.L. Collins lays out a sharp and eye-opening warning about the seductive nature of financial scams and the psychological tricks that make them so effective, even on smart, well-intentioned people. Through personal stories and timeless lessons, he reminds us why skepticism and simplicity are our best defense against losing money to con...
Jun 01, 2025•13 min•Ep. 3163
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3162: J. Money reminds readers that everyone, even those who seem to have it all together, struggles sometimes. Through raw honesty and uplifting encouragement, this piece offers a comforting reminder that you’re not alone and that it’s okay to ask for help or take a break when life feels overwhelming. Read along with the original article(s)...
Jun 01, 2025•12 min•Ep. 3162
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3161: Chris Reining unpacks the psychological and strategic considerations behind investing a large lump sum, emphasizing the risks of loss aversion and market timing. By advocating for a slower, more measured investment strategy aligned with your savings rate, he provides a practical framework to protect against emotional decision-making an...
May 31, 2025•10 min•Ep. 3161
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3160: Wanderer explains how incorporating preferred shares into a retirement portfolio can mitigate sequence-of-return risk by boosting income during the vulnerable early years of retirement. By swapping part of their bond allocation for these higher-yielding, bond-like assets, early retirees can increase cash flow while strategically managi...
May 30, 2025•14 min•Ep. 3160
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3159: Sean Mullaney offers a compelling defense of the FIRE movement by reframing it not as a claim to credit or privilege, but as a tool for improving financial outcomes through intentional decision-making. Acknowledging the role of luck, he argues that FIRE equips individuals with a framework to optimize their financial lives regardless of...
May 29, 2025•14 min•Ep. 3159
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3158: James Altucher draws a powerful parallel between winning at chess and successful investing: both hinge on consistently building tiny advantages. From choosing debt-free companies with strong cash reserves to aligning with demographic trends, he reveals how small, smart moves compound into big wins, without relying on flashy predictions...
May 28, 2025•9 min•Ep. 3158
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3157: Erik Carter underscores how embracing a margin of safety, a buffer against unpredictability, can transform your entire approach to financial planning, from investing and retirement to insurance and emergency savings. By preparing for less-than-ideal outcomes, you reduce financial stress and increase confidence in your long-term goals, ...
May 27, 2025•11 min•Ep. 3157
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3156: Lisa Harrison shares how she and her husband sidestepped lifestyle inflation to build wealth and achieve financial freedom, without sacrificing joy or connection. Through mindful home buying, curbing consumer habits, and consistently increasing their savings rate, they created a life of intentionality and long-term fulfillment. Read al...
May 26, 2025•10 min•Ep. 3156
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3155: Lisa Harrison shares her personal journey from a youthful splurge on a flashy car to a values-driven commitment to living within her means. Through candid storytelling and practical advice, she highlights how avoiding lifestyle inflation, especially with car purchases, became a foundational strategy in her family's path to financial fr...
May 25, 2025•10 min•Ep. 3155
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3154: Andy Hill challenges the traditional notion of giving kids an allowance by linking money to effort through “Chore Money.” His approach teaches children real-world financial principles, like earning through value, saving early, and understanding limits, while also sparking entrepreneurial thinking from a young age. Read along with the o...
May 25, 2025•10 min•Ep. 3154
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3153: Sam from Financial Samurai sheds light on a growing financial vulnerability in America: nearly 30% of households have no investments beyond their primary residence. He explores how financial trauma, wage stagnation, and lack of education have led to under-diversification, urging readers to adopt a more balanced wealth-building strategy...
May 24, 2025•13 min•Ep. 3153
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3152: Paula Pant shares how long-term, global travel can be surprisingly attainable, not just for the wealthy, but for anyone willing to rethink their financial priorities. By breaking down the cost of international living and comparing it to typical expenses back home, she reveals how travel can actually be more affordable than staying put....
May 23, 2025•13 min•Ep. 3152
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3151: Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren’t as costly in today’s dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that...
May 22, 2025•12 min•Ep. 3151
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3150: Julien Saunders shares four hard-earned insights from preparing his second rental property, revealing how time, cash, and strategy shape success in real estate investing. Whether you're considering buying rental properties or just want smarter ways to manage money and stress, his practical lessons offer value beyond property lines. Rea...
May 21, 2025•12 min•Ep. 3150
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3149: Brian Tracy breaks down the five core reasons most people fail to achieve financial independence, from never realizing wealth is possible for them to lacking long-term perspective. He explains how procrastination, poor financial habits, and indecisiveness prevent many from building real wealth, offering actionable mindset shifts for an...
May 20, 2025•11 min•Ep. 3149
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3148: Kumiko Love shares a strategic guide to making the most of an extra paycheck - a financial opportunity that comes just a few times a year for bi-weekly earners. By prioritizing intentionality over impulse, she outlines how to align this bonus income with your money goals, whether it’s crushing debt, boosting savings, or planning guilt-...
May 19, 2025•11 min•Ep. 3148
