Optimal Finance Daily - Financial Independence and Money Advice

Michael Smith with Financial Finesse shares how to figure out what you can safely withdraw in retirement. Episode 1274: How To Figure Out What You Can Safely Withdraw In Retirement by Michael Smith with Financial Finesse on 4% Rule 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/2018/09/14/how-to-figure-out-what-you-can-safely-withdraw-in-retirement/ 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 SimpleMoney explores whether or not it's a good decision to accelerate mortgage payments. Episode 1273: Should You Accelerate Paying Off Your Mortgage? by Dawn Starks of Simple Money Pro on Pay Down Debt or Invest 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/should-you-accelerate-paying-off-your-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

Amanda of Women Who Money help us to make good financial decisions by using our values as a compass. Episode 1272: How Can You Use Values To Make the Best Money Decisions? by Amanda with Women Who Money on Intentional Spending Amanda is a team member of Women Who Money and the founder and blogger behind Why We Money. Amanda loves writing about happiness, values, money, and real estate. She was a social worker before she became a stay-at-home parent and experienced side hustler 19 years ago. Amanda also writes for a local, family-owned real-estate brokerage. When Amanda’s not writing, she’s traveling, hiking, biking, gardening, and volunteering with several of her favorite local organizations. Her most cherished time is spent with her husband and her 17 and 19-year-old kids. The original post is located here: https://womenwhomoney.com/values-money-decisions/ 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

The Finance Twins share what to do when stocks go up. Episode 1271: How To Invest When The Stock Market Is Going Up by The Finance Twins on Asset Allocation & Index Fund Investing 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 money, and how to get out of crippling debt. They have tons of tools and resources as well as countless articles that have everything you need to start your path to financial freedom. The original post is located here: https://thefinancetwins.com/how-to-invest-when-the-stock-market-is-going-up/ 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

Derick Van Ness of Big Life Financial shares 5 habits that set the wealthy apart. Episode 1270: 5 Habits that Set the Wealthy Apart by Derick Van Ness of Big Life Financial on A System for Saving Money Derick Van Ness is a Wealth Strategist who is passionate about helping people reach their full potential. His company, Big Life Financial is focused on removing the mystery and misinformation surrounding money and financial strategy so people can live their BIGGEST LIFE! Derick’s company can help anyone but is specifically focused on small business owners, and has already helped 1000’s of them to create financial certainty and confidence. His mission is to eradicate that fear and fundamentally change the way that people think about and utilize money within the next generation. The original post is located here: https://www.biglifefinancial.com/blog/2019/2/9-habits-that-set-the-wealth-apart 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

William Johnson of Flex Cents shares a guide to personal financial wellness. This is part 2 of 2 Episode 1269: [Part 2] Guide To Personal Financial Wellness by William Johnson with Flex Cents on Insurance & Estate Planning Art is a physical therapist who is not only passionate about health and physical fitness, but also developed a passion for all things personal finance. It all started when his wife and him were thinking about moving out of their parents’ homes and began looking at houses to buy. Knowing that there are others who have reached financial independence changed the outlook of their lives for the better. He couldn’t contain his excitement and created Flexcents as a way to share it with as many people as possible. Both his wife and him are now striving towards financial independence and are creating a life they cannot wait to live each day. The original post is located here: https://www.flexcents.com/guide-to-personal-financial-wellness/ 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

William Johnson of Flex Cents shares a guide to personal financial wellness. This is part 1 of 2 Episode 1268: [Part 1] Guide To Personal Financial Wellness by William Johnson with Flex Cents on Budgeting & Paying Off Debt Art is a physical therapist who is not only passionate about health and physical fitness, but also developed a passion for all things personal finance. It all started when his wife and him were thinking about moving out of their parents’ homes and began looking at houses to buy. Knowing that there are others who have reached financial independence changed the outlook of their lives for the better. He couldn’t contain his excitement and created Flexcents as a way to share it with as many people as possible. Both his wife and him are now striving towards financial independence and are creating a life they cannot wait to live each day. The original post is located here: https://www.flexcents.com/guide-to-personal-financial-wellness/ 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

Phil Town of Rule One Investing breaks down the expectations of investing versus the realities. Episode 1267: Investing Expectations Vs. Reality by Phil Town of Rule One Investing on Sound Long-Term Investment Advice Phil Town's portfolio has been ranked No. 1 by the American Association for Individual Investors when it produced a 50% rate of return. He has a passion for investing that is hard to beat and he wants to share it with you. Phil has written three New York Times #1 Best-Selling Investment Books, Rule #1, Payback Time, and Invested, and he's been invited to speak on TV shows on CNBC, FOX, and MSNBC. The original post is located here: https://www.ruleoneinvesting.com/blog/investing-news-and-tips/investing-expectations-vs-reality/ 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

Craig Stephens of Retire Before Dad encourages us to be able to wake up and do nothing (with our finances). Episode 1266: Strive To Wake Up And Do Nothing (With Your Finances) by Craig Stephens of Retire Before Dad on Simplifying Money 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 is his beautiful wife and three kids. His second love is travel. Combining both in early retirement is the ultimate goal and his primary motivation for financial independence. The original post is located here: https://www.retirebeforedad.com/wake-up-and-do-nothing/ 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

The Mad Fientist shares his thoughts on tax-gain harvesting and how to acquire a free ivy league education. Episode 1265: Tax-Gain Harvesting AND Free Ivy League Degree by The Mad Fientist on Investment Tax Advice & Education 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 providing advice and innovative tax-avoidance methods specifically for people wanting to break away from full-time employment very early in life. He also hosts the Financial Independence Podcast. The original posts are located here: https://www.madfientist.com/tax-gain-harvesting/ & https://www.madfientist.com/free-ivy-league-degree/ 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

John Assaraf of MyNeuroGym shares 3 techniques you can apply to develop a millionaire mindset. Episode 1264: 3 Valuable Techniques to Help You Develop the Mindset of a Millionaire by John Assaraf of MyNeuroGym NeuroGym applies scientifically-proven methods and technologies for helping people expand their mental and emotional power to reach their fullest potential. Their Mission is to be the leading provider of life transforming technology, products and services to help individuals and corporations maximize their performance and potential. The original posts are located here: https://blog.myneurogym.com/develop-your-millionaire-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

ARebelSpy of Mr. Money Mustache debunks the myth of why early retirement can't work. Episode 1263: Early Retirement Can't Work, Or I'd Have Heard Of It Before by ARebelSpy with Mr. Money Mustache on Frugality 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/2012/07/08/early-retirement-cant-work-or-id-have-heard-of-it-before/ 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

Kalen Bruce of Freedom Sprout provides 8 essential steps for planning your financial future. Episode 1262: 8 Steps for Planning for Your Financial Future by Kalen Bruce of MoneyMiniBlog on Personal Finance Preparation Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children. The original post is located here: https://moneyminiblog.com/lists/financial-future-plan/ 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

FIRECracker of Millennial Revolution lets us in on the truth about early retirement. Episode 1261: The Truth About Early Retirement by FIRECracker of Millennial Revolution on Financial Independence & Travel FIRECracker is a world-travelling early retiree. She used to live in one of the most expensive cities in Canada, but instead of drowning in debt, she rejected home ownership. What resulted was a 7-figure portfolio, which has allowed her and her husband to retire at 31 and travel the world. Their story has been featured on CBC, the Huffington Post, CNBC, BNN, Business Insider, and Yahoo Finance. To date, it is the most shared story in CBC history and their viral video on CBC's On the Money has garnered 4.5 Million views. The original post is located here: https://www.millennial-revolution.com/freedom/truth-early-retirement/ 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

Jen Hayes offers 4 essential things to keep in mind about car loans. Episode 1260: 4 Things to Know About Car Loans by Jen Hayes on Paying Down Debt Early & Financial Freedom A few years ago, Jen and her husband were buried in $117,000 of student loan debt. Now, they've paid off over $100k of debt, and they're on track to have the rest paid off by the end of this year. Join their email list to get exlusive tips on how to save money, earn more, and live like no one else. The original post is located here: https://www.jenhayes.me/4-things-know-car-loan/ 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

Harry Stout of Financial Verse talks about the process of becoming a money leader. Episode 1259: Becoming A Money Leader by Harry N. Stout of Financial Verse on How To Take The Lead in Your Family's Finances Harry N. Stout is an acknowledged senior leader in the global financial services business with experience in all key business areas with particular expertise in personal finance, life insurance, annuities, product innovation, and business management. He has over 30 years of financial services industry experience in the U.S. and abroad, working in Europe, Northern Asia, Africa, New Zealand, and Australia. Harry is the author of the upcoming book - The FinancialVerse - A Common Sense Approach for Your Money to be published by Vertel Publishing in October 2019. The book is available for preordering at Amazon, Barnes & Noble and through other major national book distributors. The original post is located here: https://www.financialverse.com/post/becoming-a-money-leader 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 us how to really save money when buying a car. Episode 1258: How to Save a Fortune When Buying a Car by ESI of ESI Money on Saving Money on A New Car 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/how-to-save-a-fortune-when-buying-a-car/ 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 informs us of how we can beat the market even if the pros can't. Episode 1257: Why Pros Can't Beat the Market, but You Can by Chris Reining on How To Pick Individual Stocks & Build a Portfolio Chris Reining is an investor, writer, and avid student of life. He shares how to build wealth and reach financial freedom on his website ChrisReining.com. The original post is located here: https://chrisreining.com/pros/ 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

Helene Massicotte of Free To Pursue talks money and the freedom to get real. Episode 1256: The Freedom To Get Real AND Wanna Talk Money? Me too by Helene Massicotte of Free To Pursue on Financial Freedom 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 anymore. The original posts are located here: http://www.freetopursue.com/blog/2016/2/4/freedom-to-get-real & http://www.freetopursue.com/blog/2018/2/12/wanna-talk-money-me-too Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Mamula of Can I Retire Yet encourages us to play offense in retirement. This is part 2 of 2. Episode 1255: [Part 2] Playing Offense in Retirement by Chris Mamula of Can I Retire Yet on Challenges of Retiring Early 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/playing-offense-retirement/ 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 Mamula of Can I Retire Yet encourages us to play offense in retirement. This is part 1 of 2. Episode 1254: [Part 1] Playing Offense in Retirement by Chris Mamula of Can I Retire Yet on Challenges of Retiring Early 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/playing-offense-retirement/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Joel of 5AM Joel breaks down how much one year off work really costs. Episode 1253: How Much Does 1 Year Off Work Cost? by Joel of 5AM Joel on How To Take a One Year Sabbatical & Mini-Retirement 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/1-year-off-work/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

JL Collins of JLCollinsNH.com explores the true cost of a new car over the years. Episode 1252: What Does Buying A New Car Really Cost Over The Years? by JL Collins on Long-Term Cost of Buying A New Car Mr. Collins is a senior executive with extensive P&L experience and a proven track record of growing revenue and profitability, integrating acquisitions, launching new products, developing and implementing business plans, creating powerful marketing strategies, building strong customer relationships and building effective teams. He is experienced in a broad range of markets including technology, automotive, investments, design engineering, electronics manufacturing, construction, horticulture and energy. Mr. Collins is also an accomplished consultant, author and speaker. He is retired, but continues to write on his blog. The original post is located here: https://jlcollinsnh.com/2019/11/10/what-does-buying-a-new-car-really-cost-over-the-years/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Ramit Sethi of I Will Teach You to be Rich gives us the three most important rules to abide by during a recession. Episode 1251: The 3 Most Important Money Rules for a Recession by Ramit Sethi of I Will Teach You To Be Rich on Finance Advice 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/how-to-survive-a-recession/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents shares how to remove PMI from home buying. Episode 1250: Can You Remove PMI From Your Mortgage? 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/2016/03/can-remove-pmi-mortgage.html Visit Me Online at OLDPodcast.com Listening to The Newsworthy is like having a trusted friend who explains everything you need to know that's happening around certain issues. The host also keeps it unbiased and casual--so you get to hear a variety of perspectives in one place. We highly recommend it, so does Fast Company, Harper’s Bazaar, and more. Just search “THE NEWSWORTHY” on your favorite podcast app. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nick True of Mapped Out Money offers 4 reasons why we should not compare our finances. Episode 1249: 4 Reasons You Need to Stop Comparing Your Finances by Nick True of Mapped Out Money on Personal Finance Tips 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 to be free from money stress, you're ready to change your life and use money to support your dreams, and you don't want to settle for mediocrity. The original post is located here: https://mappedoutmoney.com/4-reasons-you-need-to-stop-comparing-your-finances/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

J.D. Roth with Get Rich Slowly talks about shopping without purpose. Episode 1248: Shopping for the Sake of Shopping by J.D. Roth of Get Rich Slowly on Intentional Spending & Saving Money 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/shopping-for-the-sake-of-shopping/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Kalen Bruce of Freedom Sprout helps us manage our tendency to spend money with our emotions. Episode 1247: Emotional Spending: Don’t Find a Permanent Solution for a Temporary Problem by Kalen Bruce of Freedom Sprout Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children. The original post is located here: https://freedomsprout.com/emotional-spending/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam of Financial Samurai reflects on the thrill of having no money. Episode 1246: The Thrill Of Paying Down Debt And Having No Money Is Addicting by Sam of Financial Samurai on Rate of Return 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/thrill-of-paying-down-debt-and-having-no-money-addicting/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

J. Money of Budgets Are Sexy informs us of how we can always switch where our money is going. Episode 1245: You Can Always Switch Where Your Money's Going by J. Money of Budgets Are Sexy on Flexible Money Decisions 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/you-can-always-change-where-your-moneys-going/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor of PT Money discusses why to open savings accounts even without having savings. Episode 1244: There's an Account for That: Create a Void by Philip Taylor of PT Money on How To Save More 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 popular conference for financial nerds. The original post is located here: https://ptmoney.com/theres-an-account-for-that-create-a-void/ Visit Me Online at OLDPodcast.com Listening to The Newsworthy is like having a trusted friend who explains everything you need to know that's happening around certain issues. The host also keeps it unbiased and casual--so you get to hear a variety of perspectives in one place. We highly recommend it, so does Fast Company, Harper’s Bazaar, and more. Just search “THE NEWSWORTHY” on your favorite podcast app. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeff Rose discloses six long-term savings plans. This is part 2 of 2. Episode 1243: [Part 2] 6 Long-Term Savings Plans that Make Good Financial Cents by Jeff Rose of Good Financial Cents 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 here: https://www.goodfinancialcents.com/long-term-savings-plans/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeff Rose discloses six long-term savings plans. This is part 1 of 2. Episode 1242: [Part 1] 6 Long-Term Savings Plans that Make Good Financial Cents by Jeff Rose of Good Financial Cents 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 here: https://www.goodfinancialcents.com/long-term-savings-plans/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Alexa Mason with The College Investor discloses ten bad money habits we need to break. Episode 1241: 10 Bad Money Habits You Need To Break Today by Alexa Mason of The College Investor on Personal Finance Advice 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/19037/10-bad-money-habits-need-break-today/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Kumiko of The Budget Mom talks about how to increase income in the face of financial struggles. Episode 1240: How To Increase Your Income When You Have Financial Troubles by Kumiko of The Budget Mom on Money Assistance 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/how-to-increase-your-income-when-you-have-financial-troubles/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Craig Stephens of Retire Before Dad explores the differences between investing and gambling. Episode 1239: Investing vs. Gambling - What's the Difference? by Craig Stephens of Retire Before Dad on Investing for Retirement 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 is his beautiful wife and three kids. His second love is travel. Combining both in early retirement is the ultimate goal and his primary motivation for financial independence. The original post is located here: https://www.retirebeforedad.com/investing-vs-gambling/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Jessica shares how to buy gifts mindfully and without stress. Episode 1238: Buy Gifts Without Stressing Or Creating Clutter by Jessica with Nacho Average Fro on Create Your Own Gifting Rules Since beginning her decluttering journey, Jessica has lost 40 lbs., quit her corporate job to fulfill her lifelong dream of entrepreneurship, and now runs a blog, conference and coaching business. She continuously funnels 20-30% of her monthly income into fueling her dreams, and wants to empower others to take control and consciously make space to live the life of their dreams. The original post is located here: https://nachoaveragefro.com/buy-gifts-that-avoid-stress-and-cluttering-lives/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Phil Town of Rule One Investing shares the retirement mistakes we might be making. Episode 1237: 5 Retirement Mistakes You Might Be Making That Could Be Keeping You From Financial Freedom by Phil Town Phil Town's portfolio has been ranked No. 1 by the American Association for Individual Investors when it produced a 50% rate of return. He has a passion for investing that is hard to beat and he wants to share it with you. Phil has written three New York Times #1 Best-Selling Investment Books, Rule #1, Payback Time, and Invested, and he's been invited to speak on TV shows on CNBC, FOX, and MSNBC. The original post is located here: https://www.ruleoneinvesting.com/blog/retirement-planning/retirement-mistakes-youre-making/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Derick Van Ness tells us what we should do before investing. Episode 1236: Before You Invest, Do This by Derick Van Ness of Big Life Financial on Learning How To Save Money Derick Van Ness is a Wealth Strategist who is passionate about helping people reach their full potential. His company, Big Life Financial is focused on removing the mystery and misinformation surrounding money and financial strategy so people can live their BIGGEST LIFE! Derick’s company can help anyone but is specifically focused on small business owners, and has already helped 1000’s of them to create financial certainty and confidence. His mission is to eradicate that fear and fundamentally change the way that people think about and utilize money within the next generation. The original post is located here: https://www.biglifefinancial.com/blog/2018/5/23/before-you-invest-do-this Visit Me Online at OLDPodcast.com Listening to The Newsworthy is like having a trusted friend who explains everything you need to know that's happening around certain issues. The host also keeps it unbiased and casual--so you get to hear a variety of perspectives in one place. We highly recommend it, so does Fast Company, Harper’s Bazaar, and more. Just search “THE NEWSWORTHY” on your favorite podcast app. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mr. Money Mustache discusses how to save money with a secret food stash AND by drying clothes more efficiently. Episode 1235: Get Rich With: The Secret Food 'Stash AND My New 1000% Annual Return-on-Investment Clothes Dryer by MMM 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: http://www.mrmoneymustache.com/2011/06/17/get-rich-with-the-secret-food-stash/ & http://www.mrmoneymustache.com/2011/06/27/my-new-1000-annual-return-on-investment-clothes-dryer/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Wanderer discusses how he plans to change his equity allocation in retirement. Episode 1234: How We Plan To Change Our Equity Allocation In Retirement by Wanderer with Millennial Revolution on Stocks & Bonds 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.millennial-revolution.com/invest/plan-change-equity-allocation-retirement/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Jen Hayes shares 7 myths about frugality. Episode 1233: 7 Myths About Frugality by Jen Hayes on Frugal Living & Intentional Living A few years ago, Jen and her husband were buried in $117,000 of student loan debt. Now, they've paid off over $100k of debt, and they're on track to have the rest paid off by the end of this year. Join their email list to get exlusive tips on how to save money, earn more, and live like no one else. The original post is located here: https://www.frugal-millennial.com//7-myths-about-frugality-that-you-need-to-stop-believing/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Helene Massicotte of Free To Pursue shares how to spend mindfully. Episode 1232: The Joy Of Spending - Thoughts On Mindful Consumption by Helene Massicotte of Free To Pursue on Thoughtful Money 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 anymore. The original post is located here: http://www.freetopursue.com/blog/2018/2/21/the-joy-of-spending-thoughts-on-mindful-consumption Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Harry Stout of Financial Verse shares his thoughts on why you need a safety net for your finances. Episode 1231: Why You Need A Personal Financial Safety Net by Harry Stout of Financial Verse on Wealth Preservation Techniques Harry N. Stout is an acknowledged senior leader in the global financial services business with experience in all key business areas with particular expertise in personal finance, life insurance, annuities, product innovation, and business management. He has over 30 years of financial services industry experience in the U.S. and abroad, working in Europe, Northern Asia, Africa, New Zealand, and Australia. Harry is the author of the upcoming book - The FinancialVerse - A Common Sense Approach for Your Money to be published by Vertel Publishing in October 2019. The book is available for preordering at Amazon, Barnes & Noble and through other major national book distributors. The original post is located here: https://www.financialverse.com/post/why-you-need-a-personal-financial-safety-net Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money shares how to know when you're financially independent. 1230: The Crossover Point: The Original Measure of Financial Independence by ESI of ESI Money on Early Retirement 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/the-crossover-point-the-original-measure-of-financial-independence/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Reining shares his thoughts on how to defend yourself against Wall Street lies. 1229: Why Wall Street Lies and How You Can Defend Yourself by Chris Reining on Stock Investment Analysis & Index Funds Chris Reining is an investor, writer, and avid student of life. He shares how to build wealth and reach financial freedom on his website ChrisReining.com. The original post is located here: https://chrisreining.com/why-wall-street-lies-and-how-you-can-defend-yourself/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Guillebeau shares his thoughts on if time is money. Episode 1228: Time Is Money? by Chris Guillebeau on Productivity & The Inherent Value of Enjoying Life Chris Guillebeau is a New York Times bestselling author and modern-day explorer. He is the author of 5 books and his daily podcast, Side Hustle School, is downloaded more than 2 million times a month. Every summer in Portland, Oregon, Chris hosts the World Domination Summit, a gathering of creative, remarkable people with thousands in attendance. Chris is also the founder of Pioneer Nation, Unconventional Guides, the Travel Hacking Cartel, and numerous other projects. During a lifetime of self-employment that included a four-year commitment as a volunteer executive in West Africa, he visited every country in the world (193 in total) before his 35th birthday. The original post is located here: https://chrisguillebeau.com/time-is-money/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick of Can I Retire Yet shares if you should work one more year. Episode 1227: Should You Work One More Year? by Darrow Kirkpatrick of Can I Retire Yet on The Retirement Decision 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/work-one-more-year/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

J. Money of Budgets Are Sexy shares his thoughts on buying your home like a renter but living like a renter. Episode 1226: Buy Your Home Like A Landlord, Live Like A Renter by J. Money of Budgets Are Sexy on Renting vs. Buying A Home 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/buy-your-home-like-a-landlord-live-like-a-renter/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Joel of 5AM Joel shares his thoughts on tracking his savings rate as a young kid. Episode 1225: Tracking My Savings Rate As A Young Kid by Joel of 5AMJoel on How To Save Money to Build A Wealthy Life 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/savings-rate/ Visit Me Online at OLDPodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices