Optimal Finance Daily - Financial Independence and Money Advice

Joel of 5AM Joel talks about financial FOMO and how to avoid it. This is part 1 of 2. Episode 1723: [Part 1] Financial FOMO: What, Why and How To Avoid It by Joel of 5AMJoel on Practicing Gratitude 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 in his work, health, relationships and happiness in life. Joel sends out a short daily message at 5am each morning. He writes about happiness, positivity and learning to be a better human. The original post is located here: http://5amjoel.com/financial-fomo/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Leo Babauta of Zen Habits shares 6 steps to have healthy finances in your relationship. Episode 1722: 6 Key Steps to Healthy Finances in Your Relationship by Leo Babauta of Zen Habits Leo Babauta created Zen Habits, which is about finding simplicity and mindfulness in the daily chaos of our lives. It’s about clearing the clutter so we can focus on what’s important, create something amazing, find happiness. The original post is located here: https://zenhabits.net/six-steps-to-healthy-finances-in-your-relationship Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Panteli with Fiology shares 5 reasons that you won't reach financial independence Episode 1721: 5 Reasons You Won’t Reach Financial Independence by Chris Panteli with Fiology on Principles for Early Retirement Fiology is an educational resource designed to teach you about Financial Independence (FI). They have scoured the internet to find content from the best and brightest of the FI community and have created lessons covering the critical concepts of FI. In addition, there is original content, financial coach references, and real money stories from real people from the Financial Independence Community. The original post is located here: https://www.fiology.com/you-wont-reach-financial-independence/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam of Financial Samurai reminds you that you will always regret sacrificing love for money Episode 1720: You Will Always Regret Sacrificing Love For Money by Sam of Financial Samurai on Building Wealth & Relationships Sam Dogen's net worth took a beating in 2009 as the world was falling apart. He thought it would be a good idea to start a personal finance site to help himself and others make sense of chaos. After all, he had spent 10 years working in the finance industry, got his MBA from Cal, invested and saved aggressively, and still got financially rocked! Since then, more than 20 million visitors have stopped by FinancialSamurai.com. The original post is located here: https://www.financialsamurai.com/you-will-regret-sacrificing-love-for-money-almost-all-of-the-time/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money tells you how to get an 8% investment return Episode 1719: How Can I Get an 8% Investment Return by ESI of ESI Money on Long-Term Expected Investing Returns 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 three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/can-get-8-investment-return/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Doc G of Earn and Invest shares two short posts about the psychology of money and career Episode 1718: Stealth Wealth Fail AND The Wall Of Fear by Doc G of Earn And Invest on Psychology of Money & Career 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/stealthwealthfail & https://www.earnandinvest.com/blog/the-wall-of-fear Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin of Financial Panther talks about intentional spending and simple living Episode 1717: The Things We Choose by Kevin of Financial Panther on Intentional Spending & Simple Living 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 making more money by side hustling. The original post is located here: https://financialpanther.com/the-things-we-choose/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Adam Murray of Living This Good Life shares 8 ways to make extra money and enjoy doing it Episode 1716: 8 Ways To Make Extra Money While Enjoying It by Adam Murray of Living This Good Life on More Sources of Income Adam grew up in a small town in New Brunswick, Canada. He knew from a young age that he wanted to explore and find what made him happy (and uncomfortable). He grew up as a very shy kid but over time he was able to defeat what was holding him down. He remembers how good he felt when he finally started to come out of his shell. He started to realize that the greatest things in life, whether it being your happiness or successes, come on the outskirts of your comfort zone. Since then, he's been exploring and trying to make each day his best day. He wants to share with you his experiences and hopefully influence you to make each day your best as well. The original post is located here: https://www.livingthisgoodlife.com/post/8-ways-to-make-extra-money-while-enjoying-it Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ramit Sethi of I Will Teach You To Be Rich shares why some millionaires hide their riches from family and friends. Episode 1715: Stealth Wealth: Why This Millionaire Hides His Riches by Ramit Sethi of I Will Teach You to be Rich 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 findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/stealth-wealth Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike Ballew of Egg Stack talks about housing options in retirement Episode 1714: House Rich and Cash Poor by Mike Ballew of EggStack on Housing Options in Retirement 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.com/blog/2021-06-27-House-Rich-and-Cash-Poor/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian Tracy tells us how to develop a positive money mindset Episode 1713: How to Develop a Positive "Money Mindset" by Brian Tracy on Money Affirmations & Financial Wellbeing Brian Tracy's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. Brian Tracy 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 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year. He has studied, researched, written and spoken for 30 years in the fields of economics, history, business, philosophy and psychology. He is the top selling author of over 70 books that have been translated into dozens of languages. The original post is located here: https://www.briantracy.com/blog/financial-success/how-to-develop-a-positive-money-mindset/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Paula Pant of Afford Anything tells us the surprising reason why people cling to jobs and investments longer than they should Episode 1712: The Surprising Reason Why People Cling to Jobs and Investments Longer Than They Should by 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 metropolitan Atlanta. She holds a real estate license in Georgia. She's also the host of the Afford Anything podcast. The original post is located here: https://affordanything.com/sunk-cost-fallacy/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chelsea Brennan of Smart Money Mamas shares the thought process of a frugal mind Episode 1711: The Thought Process of a Frugal Mind by Chelsea of Smart Money Mamas on Minimalism & Frugality 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/thought-process-frugal-mind/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Rieckens of Playing With Fire helps you decide whether or not you should refinance your mortgage. This is part 2 of 2. Episode 1710: [Part 2] Should I Refinance My Mortgage by Scott Rieckens of Playing With Fire on Home Loan Savings A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family’s beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family’s journey to acquire the one thing money can’t buy: a simpler — and happier — life. The original post is located here: https://www.playingwithfire.co/blog/refinance-my-mortgage Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Rieckens of Playing With Fire helps you decide whether or not you should refinance your mortgage. This is part 1 of 2. Episode 1709: [Part 1] Should I Refinance My Mortgage by Scott Rieckens of Playing With Fire on Home Loan Savings A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family’s beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family’s journey to acquire the one thing money can’t buy: a simpler — and happier — life. The original post is located here: https://www.playingwithfire.co/blog/refinance-my-mortgage Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Reining shares how to calculate how much you really need to be financially independent. Episode 1708: This is How Much You Really Need to be Financially Independent by Chris Reining (FIRE) Chris Reining is a thirty-something guy who provides resources to help manage your money and career to become financially free. His own path to financial freedom has had ups and downs, which is what he writes about on his site. He's been featured in the New York Times, on the Today Show, CNN, CBS, Business Insider, LifeHacker, and more. The original post is located here: https://chrisreining.com/how-much Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Amanda of Women Who Money talks about when searching for saving costs you more time and money Episode 1707: When Searching for More Savings Costs You Time and Money by Amanda of Women Who Money The co-founders of Women Who Money are Amy Blacklock from Life Zemplified and Vicki Cook, from Make Smarter Decisions. Vicki and Amy connected initially online and eventually met in person at a financial conference in the fall of 2017. They’ve both reached financial independence and left full-time work to devote more time to family, pursue passion projects, and embrace fun and challenging opportunities. They enjoy collaborating on original content and sharing great articles written by and for women. The original post is located here: https://womenwhomoney.com/time-spent-searching-savings-costs-time-money/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J. Money of Budgets Are Sexy reminds you that it only gets easier after making your first $100,000 Episode 1706: The First $100,000 Is The Hardest by J. Money of Budgets Are Sexy on Building Wealth & Net Worth 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 years later--14 million views later! The original post is located here: https://www.budgetsaresexy.com/the-first-100-thousand-is-the-hardest/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mr. Money Mustache talks about how to save money by working out at home Episode 1705: Get Rich With: Olympic Barbells by Mr. Money Mustache on Working Out at Home to Save Money Mr. Money Mustache is a thirty-something retiree who now writes about how we can all live a frugal, yet awesome, life of leisure. He and his wife studied engineering and computer science in Canada, then worked in standard tech-industry cubicle jobs in various locations throughout the late ’90s and early 2000s. Then they retired from real work way back in 2005 in order to start a family. This was achieved not through luck or amazing skill, but simply by living a lifestyle about 50% less expensive than most of their peers and investing the surplus in very boring conservative Vanguard index funds and a rental house or two. The original post is located here: https://www.mrmoneymustache.com/2011/05/17/get-rich-with-olympic-barbells/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Cynthia Meyer with Financial Finesse talks about reducing expenses to pay off debt Episode 1704: Would You Go This Far To Pay Off Your Debt by Cynthia Meyer with Financial Finesse on Reducing Expenses 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 pockets, not their financial advisor’s. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They’ve helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2017/07/03/would-you-go-this-far-to-pay-off-your-debt/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jessica of The Fioneers shares 4 strategies to negotiate a higher starting salary. This is part 2 of 2. Episode 1703: [Part 2] 4 Strategies to Negotiate a Higher Starting Salary by Jessica of The Fioneers on Getting Paid 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 enough sustainable income to cover their living expenses. This is not just about the money, but more importantly, about the freedom that comes with it. The name “The Fioneers” comes from a combination of: Financial Independence (FI) + Pioneers. They think the name fits well with their deep-rooted love of adventure. It’s also a constant reminder to enjoy the journey. The original post is located here: https://thefioneers.com/negotiate-salary/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jessica of The Fioneers shares 4 strategies to negotiate a higher starting salary. This is part 1 of 2. Episode 1702: [Part 1] 4 Strategies to Negotiate a Higher Starting Salary by Jessica of The Fioneers on Getting Paid 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 enough sustainable income to cover their living expenses. This is not just about the money, but more importantly, about the freedom that comes with it. The name “The Fioneers” comes from a combination of: Financial Independence (FI) + Pioneers. They think the name fits well with their deep-rooted love of adventure. It’s also a constant reminder to enjoy the journey. The original post is located here: https://thefioneers.com/negotiate-salary/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jacob Lund Fisker of Early Retirement Extreme shares the three methods of finance Episode 1701: The Three Methods of Finance - When Enough is Enough by Jacob Lund Fisker of Early Retirement Extreme 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 freedom and opportunity to live an exciting and interesting life. The original post is located here: http://earlyretirementextreme.com/the-three-methods-of-finance-and-when-enough-is-enough.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

A Purple Life talks about why they own 100% US stocks Episode 1700: Why I Own 100% US Stocks by A Purple Life on Investment Portfolio Planning & Financial Decisions 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://apurplelife.com/2019/10/29/why-i-own-100-us-stocks/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Lauren Keys of Trip of a Lifestyle discusses the value in owning less, but traveling more Episode 1699: Own Less; Travel More by Lauren Keys of Trip Of A Lifestyle on Minimalism & A Digital Nomad Life Since graduating from college in 2012, Steven has developed a healthy obsession with personal finance. Although he has no formal training in the field, he’s taught himself a lot about saving and investing over the years. In addition to the normal stuff, he’s also come up with quite a few unusual ways to make extra money, from credit card hacking, to buying and selling stuff on eBay, to ridiculous ventures like taking advantage of loopholes at casinos. After finding satisfaction in helping friends and family prepare for retirement, pay off their student loans, and navigate the confusing world of home buying, Steven wanted to share his thoughts on personal finance more publicly. His main motivation for blogging stems from a desire to help more people become financially free and change their lives for the better. The original post is located here: https://www.tripofalifestyle.com/perspective/own-less-travel-more/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris of Keep Thrifty gives you 5 reasons why you need to track your spending Episode 1698: 5 Reasons You Need To Track Your Spending by Chris of Keep Thrifty on Understanding Your Finances 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 help you create your freedom. They’ve got articles and success stories to help inspire you to think differently about your dreams and your finances. They’ve also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/track-your-spending/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mr. 1500 of 1500 Days shares his philosophy on money Episode 1697: My Philosophy on Money by Mr. 1500 of 1500 Days on Why You Should Retire Early & Financial Independence 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 and has tracked his financial journey online ever since. The original post is located here: https://www.1500days.com/my-philosophy-on-money/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick shares the 3 great misconceptions about retirement saving. This is part 2 of 2. Episode 1696: [Part 2] The 3 Great Misconceptions About Retirement Saving by Darrow Kirkpatrick of Can I Retire Yet Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/3-great-misconceptions-retirement-saving/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick shares the 3 great misconceptions about retirement saving. This is part 1 of 2. Episode 1695: [Part 1] The 3 Great Misconceptions About Retirement Saving by Darrow Kirkpatrick of Can I Retire Yet Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design. The original post is located here: https://www.caniretireyet.com/3-great-misconceptions-retirement-saving/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents discusses whether or not you should go on vacation if you have debt Episode 1694: Should You Go On Vacation If You Have Debt by Michelle Schroeder-Gardner of Making Sense of Cents 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 learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam of Financial Samurai teaches you how to decide whether to buy or rent a home Episode 1693: How To Decide Whether To Buy Or Rent A Home by Sam of Financial Samurai on Weighing Out Your Options Sam Dogen's net worth took a beating in 2009 as the world was falling apart. He thought it would be a good idea to start a personal finance site to help himself and others make sense of chaos. After all, he had spent 10 years working in the finance industry, got his MBA from Cal, invested and saved aggressively, and still got financially rocked! Since then, more than 20 million visitors have stopped by FinancialSamurai.com. The original post is located here: https://www.financialsamurai.com/how-to-decide-whether-to-buy-a-home-or-rent/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Adam Murray of Living This Good Life talks about saving money by living with his parents at 30 years old Episode 1692: 30 Years Old and Living with My Parents by Adam Murray of Living This Good Life on Ways To Save Money Adam grew up in a small town in New Brunswick, Canada. He knew from a young age that he wanted to explore and find what made him happy (and uncomfortable). He grew up as a very shy kid but over time he was able to defeat what was holding him down. He remembers how good he felt when he finally started to come out of his shell. He started to realize that the greatest things in life, whether it being your happiness or successes, come on the outskirts of your comfort zone. Since then, he's been exploring and trying to make each day his best day. He wants to share with you his experiences and hopefully influence you to make each day your best as well. The original post is located here: https://www.livingthisgoodlife.com/post/30-years-old-and-living-with-my-parents Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Liz of Frugalwoods shares ways to banish repeated expenses. This is part 2 of 2. Episode 1691: [Part 2] Frugality Is A Compounding Game by Liz of Frugalwoods on Ways of Banishing Repeated Expenses The Frugalwoods are ex-urban, rookie homesteaders finding contentment (and a lot of chores) on 66 acres in rural central Vermont along with their two young daughters. They write about a wide range of topics, including their experience as parents, their adventures as novice homesteaders, and the financial decisions that made their life possible. Their philosophy is that managing your money wisely enables you to pursue unusual aspirations and opens up a world of options for how to live your life. Through the application of frugality–coupled with good incomes and judicious financial management–they have created a life that they love living every single day. It’s not a life beholden to consumerism or the drive for material perfection or the incessant clarion call for more. The original post is located here: https://www.frugalwoods.com/2016/06/27/frugality-is-a-compounding-game/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Liz of Frugalwoods shares ways to banish repeated expenses. This is part 1 of 2. Episode 1690: [Part 1] Frugality Is A Compounding Game by Liz of Frugalwoods on Ways of Banishing Repeated Expenses The Frugalwoods are ex-urban, rookie homesteaders finding contentment (and a lot of chores) on 66 acres in rural central Vermont along with their two young daughters. They write about a wide range of topics, including their experience as parents, their adventures as novice homesteaders, and the financial decisions that made their life possible. Their philosophy is that managing your money wisely enables you to pursue unusual aspirations and opens up a world of options for how to live your life. Through the application of frugality–coupled with good incomes and judicious financial management–they have created a life that they love living every single day. It’s not a life beholden to consumerism or the drive for material perfection or the incessant clarion call for more. The original post is located here: https://www.frugalwoods.com/2016/06/27/frugality-is-a-compounding-game/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money shares the key to early retirement Episode 1689: Key to Early Retirement - Margin of Safety by ESI Money on Ways To Creating Financial Independence 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 three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/key-early-retirement-margin-safety/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Joshua Becker of Becoming Minimalist talks about why we shouldn't make financial decisions based solely on whether or not we can afford things Episode 1688: Can I Afford It Is A Terrible Filter by Joshua Becker of Becoming Minimalist on Making Financial Decisions Joshua Becker and his family decided to live with fewer possessions after a conversation with his neighbor in 2008. As a result, they found a better way to live, centered on more important pursuits. Their story has been seen on the CBS Evening News, NPR, the Boston Globe, the Wall Street Journal and countless media interviews around the world. Their books have sold in the tens of thousands. BecomingMinimalist.com is about their journey towards a rational approach to minimalism. It is about the joys and the struggles. It is about the lessons they have learned. It has inspired millions around the world. It is written to inspire you to intentionally live with less, and find more life because of it. The original post is located here: https://www.becomingminimalist.com/can-i-afford-it/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Emily Guy Birken of PT Money talks about how to ask for and get a raise Episode 1687: How to Ask for (and Get) a Raise by Emily Guy Birken with PT Money on Doing And Saying The Right Things 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 conference for financial nerds. The original post is located here: https://ptmoney.com/how-to-ask-for-a-raise/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Dawn Starks of Simple Money Pro talks about the value of mothers having equal voices in financial decisions Episode 1686: Mothers and Money by Dawn Starks of Simple Money Pro on Having Equal Voices in Financial Decisions 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-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/mothers-and-money/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin of Financial Panther talks about the myth of diversification and why it means it's ok to take chances Episode 1685: The Myth Of Diversification And Why It Means It’s Okay To Take Chances by Kevin of Financial Panther 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 making more money by side hustling. The original post is located here: https://financialpanther.com/the-myth-of-diversification/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Tiffany Aliche of The Budgetnista shares 5 ways to have a better relationship through money talks Episode 1684: Love and Money - 5 Ways to Have a Happier Relationship Through Money Talks by Tiffany Aliche of The Budgetnista Tiffany Aliche, is an award-winning teacher of financial education and is quickly becoming America’s favorite, personal finance expert. She has made it her mission to empower women and provide them with access to the tools and resources needed to create a better life for themselves and their families. Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 800,000 women worldwide collectively save more than $100 million, pay off over $75 million in debt, purchase homes, and transform the way they think about their finances. The original post is located here: https://thebudgetnistablog.com/love-money-5-ways-to-have-a-happier-relationship/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J.D. Roth with Get Rich Slowly talks about whether or not repaying debt should be an obsession Episode 1683: Should Repaying Debt Be An Obsession by JD Roth of Get Rich Slowly on Finding Balance With Your Finances 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 located here: https://www.getrichslowly.org/should-repaying-debt-be-an-obsession/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents shares 9 tips for financial success and freedom. This is part 2 of 2. Episode 1682: [Part 2] 9 Tips For Financial Success And Freedom by Michelle Schroeder-Gardner of Making Sense of Cents 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 learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2021/07/financial-success.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents shares 9 tips for financial success and freedom. This is part 1 of 2. Episode 1681: [Part 1] 9 Tips For Financial Success And Freedom by Michelle Schroeder-Gardner of Making Sense of Cents 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 learn more about her and see her monthly income reports at MakingSenseOfCents.com. The original post is located here: https://www.makingsenseofcents.com/2021/07/financial-success.html Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Paula Pant of Afford Anything tells us how to use money as a tool Episode 1680: The Revolution Has Begun by Paula Pant of Afford Anything on Finding Out How To Use Money As A Tool 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 Georgia. She's also the host of the Afford Anything podcast. The original post is located here: https://affordanything.com/the-afford-anything-goal/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Amy Beardsley of Smart Money Mamas tells us how a good credit score helps to build wealth Episode 1679: How a Good Credit Score Helps You Build Wealth by Amy Beardsley with Smart Money Mamas 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/good-credit-score/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Alexa Mason of The College Investor offers advice for how to pay for college as an adult Episode 1678: How To Pay for College As An Adult by Alexa Mason with The College Investor on Money Management 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 of financial issues facing young adults. The original post is located here: https://thecollegeinvestor.com/19100/pay-college-adult/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris of Keep Thrifty talks about why payment freedom is even better than debt freedom Episode 1677: Debt Freedom Is Great But Payment Freedom Is Better by Chris of Keep Thrifty on Pathways to Payment Freedom 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 help you create your freedom. They’ve got articles and success stories to help inspire you to think differently about your dreams and your finances. They’ve also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/payment-freedom/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Amberly Grant with Fiology talks about the delay of gratification as it pertains to financial independence Episode 1676: The Delay of Gratification - Reward and Regret by Amberly Grant with Fiology on Living Financially Independent Fiology is an educational resource designed to teach you about Financial Independence (FI). They have scoured the internet to find content from the best and brightest of the FI community and have created lessons covering the critical concepts of FI. In addition, there is original content, financial coach references, and real money stories from real people from the Financial Independence Community. The original post is located here: https://www.fiology.com/delay-of-gratification/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Reining answers a reader's question about paying off debt vs. investing. Episode 1675: Should I Pay Off Debt or Invest by Chris Reining on Paying Off a House Early & Cost of College Chris Reining is a thirty-something guy who provides resources to help manage your money and career to become financially free. His own path to financial freedom has had ups and downs, which is what he writes about on his site. He's been featured in the New York Times, on the Today Show, CNN, CBS, Business Insider, LifeHacker, and more. The original post is located here: https://chrisreining.com/should-i-pay-off-debt-or-invest Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan H. Law shares two short posts covering how to pay yourself first and how to automate your finances Episode 1674: How to Pay Yourself First AND Automate Your Finances by Ryan H Law on Setting Up Systems for Financial Success Ryan's goal is to teach financial planners, coaches, and counselors how to use simple, evidence-based action steps to provide outstanding client care. He received his bachelor's degree from Utah State University in Family Finance. After he graduated he worked in the financial planning field for several years then decided to return to school. He received my master's degree in Personal Financial Planning from Texas Tech University. He is a CERTIFIED FINANCIAL PLANNER and an Accredited Financial Counselor He currently teaches at Utah Valley University in the Financial Planning program where he teaches financial counseling courses and runs their on-campus Money Management Resource Center. He serves on the AFCPE (Association for Financial Counseling and Planning Education) Board of Directors where he has served as Treasurer and President. The original posts can be found here: https://ryanhlaw.com/how-to-pay-yourself-first/ & https://ryanhlaw.com/automate-your-finances/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices