DiscoverOptimal Finance Daily
Optimal Finance Daily

Optimal Finance Daily

Author: Dan | Optimal Living Daily

Subscribed: 23,558Played: 453,853
Share

Description

Why bother searching for the best blogs about personal finance when it can be found and read for you? Think of Optimal Finance Daily as an audioblog or blogcast. Support this podcast: https://anchor.fm/optimal-finance-daily/support
1006 Episodes
Reverse
Cyrus Purnell with Financial Finesse shares if a 15 or 30-year mortgage is better.Episode 1005: Is A 15 Or 30-Year Mortgage Better? by Cyrus Purnell with Financial Finesse on Financing A Home PurchaseAfter 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/2018/06/13/is-a-15-or-30-year-mortgage-better/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsFundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
2 short posts from Al of FA Confessions shares where he shares his thoughts on financial independence 101 and the race to FI.Episode 1004: Financial Independence 101 AND The Race To FI by Al of FA Confessions on The Path To Be Financially IndependentAl of FA Confessions is a father, drummer/musician, self-proclaimed amateur philosopher, avid health enthusiast, and daily podcast and audible listener. He is not looking for new clients, nor does he have a plan to run for office. He will remain anonymous on the blog until he decides to retire from his profession. His primary vision for his website is to speak authentically from the heart and let his audience know when he thinks something is BS.The original post is located here: https://faconfessions.com/2019/10/28/financial-independence-101/ & https://faconfessions.com/2019/10/21/the-race-to-fi/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Michelle Schroeder-Gardner of Making Sense of Cents shares why you should invest and save for retirement.Episode 1003: Why You Should Invest & Save For Retirement, Plus a Personal Finance Confession Fail by Michelle Schroeder-GardnerMichelle 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/2014/10/why-you-should-invest-and-save-for-retirement.htmlPlease Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Paula Pant of Afford Anything shares her thoughts on if you should get a car loan to improve your credit score.Episode 1002: Should You Get a Car Loan to Improve Your Credit Score? Heck No! by Paula Pant of Afford AnythingPaula 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/will-getting-car-loan-improve-credit-score-heck/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
ESI of ESI Money shares why he uses a CPA to do his taxes.Episode 1001: Why I Use a CPA to Do My Taxes by ESI of ESI Money on Tax Preparation & Outsourcing Financial WorkESI 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/why-i-use-a-cpa-to-do-my-taxes/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsGusto offers modern, easy payroll and benefits to small businesses across the country. And if you want your business to be all set up by 2020, you don't want to wait. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Greg Audino shares advice on how to make a decision when you're at a personal crossroads.Episode 1000: Optimal Living Advice - Introducing Optimal Living Advice with Greg Audino - Life Questions & Answers with a Life CoachPlease Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Darrow Kirkpatrick of Can I Retire Yet shares early vs. traditional retirement.Episode 999: Early vs. Traditional Retirement by Darrow Kirkpatrick of Can I Retire Yet on How To Decide on Your Financial PathDarrow 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/early-vs-traditional-retirement/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsFundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Mike Ballew of Eggstack shares his thoughts on working in retirement.Episode 998: Working in Retirement by Mike Ballew of EggStack on Social Security Benefits & Employed While RetiredMike 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/2019-11-17-Working-in-Retirement/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Holly Johnson with Get Rich Slowly shares her thoughts on lowering expectations for Christmas.Episode 997: Lowering Expectations for Christmas by Holly Johnson with Get Rich Slowly on Budgeting For HolidaysJ.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/lowering-expectations-for-christmas/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsGusto offers modern, easy payroll and benefits to small businesses across the country. And if you want your business to be all set up by 2020, you don't want to wait. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Ramit Sethi of I Will Teach You to be Rich shares how to calculate your debt to asset ratio and check if it's good. This is part 2 of 2.Episode 996: [Part 2] How to Calculate Your Debt to Asset Ratio (And Check If It's Good) by Ramit Sethi of I Will Teach You To Be RichRamit 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/debt-to-asset-ratio/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Ramit Sethi of I Will Teach You to be Rich shares how to calculate your debt to asset ratio and check if it's good. This is part 1 of 2.Episode 995: [Part 1] How to Calculate Your Debt to Asset Ratio (And Check If It's Good) by Ramit Sethi of I Will Teach You To Be RichRamit 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/debt-to-asset-ratio/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Robert Farrington of The College Investor shares personal finance rules you need to live by.Episode 994: Personal Finance Rules You Need To Live By by Robert Farrington of The College Investor on Saving & Investing MoneyRobert 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/15635/personal-finance-rules-need-live/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsFundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Grumpus Maximus shares his thoughts on thankfulness and bounty.Episode 993: Thankfulness and Bounty by Grumpus Maximus on How to Be Thankful & Have Gratitude on ThanksgivingGrumpus Maximus is a 40 something US military officer with 19 years of active duty service under my belt. He's spent over four years of that career either deployed or stationed in the Middle East, and another three years stationed in Europe. As he travels to his family's mostly unintentional path to FI, he wants to share his knowledge. Anyone who is eligible for a defined benefit pension could easily implement their own goal to achieve FI. Grumpus Maximus' path is not only replicable, but easily built and improved upon.The original post is located here: https://grumpusmaximus.com/thankfulness-and-bounty/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsGusto offers modern, easy payroll and benefits to small businesses across the country. And if you want your business to be all set up by 2020, you don't want to wait. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
J. Money of Budgets Are Sexy shares a different way to think about money.Episode 992: A Different Way to Think About Money by J. Money of Budgets Are Sexy on Trading Time for MoneyJ. 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: http://www.budgetsaresexy.com/different-way-to-think-about-money/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsGusto offers modern, easy payroll and benefits to small businesses across the country. And if you want your business to be all set up by 2020, you don't want to wait. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Nick True of Mapped Out Money shares his thoughts on money and Monopoly.Episode 991: Money and Monopoly: Invest Early and Often by Nick True of Mapped Out Money on Saving Money & InvestingNick 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/money-and-monopoly-invest-early-and-often/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsFundrise is the future of real estate investing. Visit fundrise.com/ofd to have your first 3 months of fees waived.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Mr. Money Mustache shares how to get rich with the chaCHING instinct.Episode 990: Get Rich With: the "ChaCHING!" Instinct by Mr. Money Mustache on Delayed Gratification for Financial SuccessMr. 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/2013/06/04/get-rich-with-the-chaching-instinct/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Colin Wright of Exile Lifestyle shares his thoughts on tiny luxuries.Episode 989: Tiny Luxuries by Colin Wright of Exile Lifestyle on How To Be More Grateful & MindfulColin Wright is a professional author and international speaker who co-founded a publishing company and travels full-time, moving to a new country every four months or so--that country determined by the votes of his readers! He also blogs.Colin's a minimalist in that he owns very few things and is careful in how he consumes. He tends to buy less, but invest in quality when he does, and trends toward the same in relationships, business endeavors, and just about everything else.He's left-handed, blue-eyed, scary good at Tetris, and can’t cook.The original post is located here: https://exilelifestyle.com/tiny-luxuries/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Kumiko of The Budget Mom shares how to budget for Christmas gifts.Episode 988: How to Budget for Christmas Gifts by Kumiko of The Budget Mom on Saving Money & Allocating for Holiday GiftsKumiko 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-budget-for-christmas-gifts/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free Gifts--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Harry Stout of Financial Verse asks what is your cash savings hierarchy.Episode 987: What is Your Cash Savings Hierarchy? by Harry Stout of Financial Verse on Where To Allocate Your SavingsHarry 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/what-is-your-cash-savings-hierarchyPlease Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsGusto offers modern, easy payroll and benefits to small businesses across the country. And if you want your business to be all set up by 2020, you don't want to wait. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Dawn Starks of SimpleMoney shares why fall is the perfect time to declutter.Episode 986: Fall is the Perfect Time to Declutter by Dawn Starks of Simple Money on Review Tax Documents & Insurance CoverageDawn 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/fall-is-the-perfect-time-to-declutter/Please Rate & Review the Show!Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group!and Join the Ol' Family to get your Free GiftsGusto offers modern, easy payroll and benefits to small businesses across the country. And if you want your business to be all set up by 2020, you don't want to wait. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.--- Support this podcast: https://anchor.fm/optimal-finance-daily/support
loading
Comments (21)

Angel J. Segura

Thank you for helping people to improve their finacial literacy.

Nov 30th
Reply

Shadowsumbra

Some of the financial problems people face can be because of poor choices, but it's hard to deny the fact that people aren't making what they did a couple generations ago, and those generations encourage and put pressure on the future generations to live up to the same lifestyle.

Oct 30th
Reply

Shadowsumbra

This feels more like bragging than it does helpful advice.

Oct 30th
Reply

Shadowsumbra

This isn't a very good example. It is highly doubtful that a more expensive school will guarantee you a 50% pay increase for your first job. It would have been a better example to compare saving up for school for several years vs getting a loan and starting the career job sooner.

Sep 4th
Reply

Shadowsumbra

With a Roth, you're betting that you'll have a higher tax bracket in retirement and that taxes will be higher in the future. Considering that most of us on here should have high savings ratios and that we are at a historic low for taxes, that's a bet I'll make.

Dec 19th
Reply

Rogier Blokhuis

awesome post!

Dec 6th
Reply

Shadowsumbra

Can you really claim to be "self made" while inheriting a family business? To claim the majority of Forbes richest list are self made requires a very liberal definition.

Nov 24th
Reply

Shadowsumbra

part of the problem with many financial blogs is that they all assume you're spending money that you aren't even making to get these wild numbers. Many families don't even make 40k per year to start with.

Oct 24th
Reply

Shadowsumbra

Having a mindset that $10k is a lot of money isn't the cause of making money, making a lot of money is the cause of thinking that way. Its actually about percentages of your income, if anything.

Oct 9th
Reply

Pooja Prabhu

Renters can be a nightmare sometimes. loved the podcast!

Sep 5th
Reply

Shadowsumbra

it's all wishful thinking at best

Aug 21st
Reply

Shadowsumbra

Wow, I guess I'm sitting on a veritable gold mine of a spouse. Guess we should both quit our jobs and find someone willing to pay over a hundred grand to do laundry and cook a meal a few hours per day.

Aug 16th
Reply

Shadowsumbra

This is actually pretty terrible advice for most people. For most, it's easier to plan short term goals that build up to larger ones, or they get frustrated and give up. You have to crawl before you walk, walk before you run.

Aug 16th
Reply

T. K. Bennett

Great lessons learnt.

Aug 2nd
Reply

Laureanne Lorenzo

.%

Jul 30th
Reply

Shadowsumbra

If you're at risk of ruining your retirement by helping your kids get through college you've already failed yourself. Might as well roll the dice and see if your kids will do any better than you.

Jun 22nd
Reply

Shadowsumbra

I hate that you so regularly hear about successful business owners saying how amazing it is to own a successful business. What they don't tell you is how rare successful businesses are, or how much more work they can be. It's like asking lottery winners if they're glad they bought a lottery ticket. All I'm saying is, there's reasons why running a business isn't for everyone.

Feb 21st
Reply

Vichaya Chungu

this article is crammed with good points and advice. I thought the presenter was reading too fast and repeatedly had to hit back to listen again.

Dec 13th
Reply

iTunes User

I have already learned a wealth of invaluable financial knowledge in just 9 episodes of listening to this podcast. The perspectives on money are varied, nuanced and actionable. Plus, the real value is how much more efficient it is for me to listen to these podcasts rather than seeking out blogs and reading through for hours to find the best posts. I'm listening on my commute each day and reinventing my financial future in the process!

Aug 30th
Reply

iTunes User

If you like Optimal Living Daily, this is a no-brainer. Take even more blog posts on the go and benefit from having someone read the posts to you. Amazing! The host is great and the content is a perfect mix of topics and philosophies in personal finance. Check it out!

Aug 30th
Reply
loading
Download from Google Play
Download from App Store