Optimal Finance Daily - Financial Independence and Money Advice
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Optimal Finance Daily, hosted by Diania Merriam, the innovative mind behind the personal finance conference EconoMe, takes you on an enlightening journey through the world of personal finance. Each episode brings to life the most compelling and practical advice from leading financial bloggers and experts. Diania’s engaging narration and insightful commentary transform complex financial concepts into relatable, actionable insights. Whether it’s budgeting, investing, debt management, or money mindfulness, she covers it all, making financial wisdom accessible to everyone.
Gain not just knowledge, but also the motivation to apply it in your daily life. It's not just a source of personal finance tips; it’s a daily companion that guides you towards financial independence and savvy money management, all delivered with Diania's trademark enthusiasm and expertise. By focusing on early retirement, financial independence, and saving money, each episode provides you with the tools needed to achieve your financial goals.
This podcast is designed for those passionate about personal finance, early retirement, financial independence, and saving money. It’s your go-to source for practical advice on managing your finances, saving money, and working towards early retirement. Each episode offers actionable steps to foster financial independence and secure your financial future.
Listen now, and become an OLD friend--your optimal life awaits...
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Episode 3367:
Michael Smith draws powerful parallels between playing rugby and managing money, emphasizing the importance of teamwork, mental resilience, and meaningful relationships. His insights show how trusting a solid team of financial professionals, sticking to long-term strategies, and redefining your relationship with money can lead to greater peace of mind and financial success.
Read along with the original article(s) here: https://www.financialfinesse.com/2015/12/11/financial-lessons-from-a-rugby-field/
Quotes to ponder:
"Expecting to win some and lose some can help take the over-reaction out of investing."
"Not being defined by your financial situation at any moment in time is a very important skill to learn."
“Pick a strategy and stick to it in good markets and bad.”
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Episode 3366:
Dave from Accidental FIRE explores how financial independence can become a powerful launchpad for reinvention after professional decline. Drawing from Arthur Brooks’ research and personal experience, he makes a compelling case for using FI not just to retire, but to pivot purposefully, whether that means teaching, deepening relationships, or pursuing long-dormant passions.
Read along with the original article(s) here: https://accidentalfire.com/2022/06/28/financial-independence-is-a-hall-pass-for-safe-reinvention/
Quotes to ponder:
"The research showed that it’s not all decline past 40. Certain aptitudes grow during middle age that favor wisdom, teaching, and sharing ideas."
"Experiencing professional decline in your chosen field is a just a queue to start the ball rolling on a new career."
"Financial independence is basically a hall pass for safe reinvention."
Episode references:
From Strength to Strength by Arthur Brooks: https://www.amazon.com/Strength-Finding-Success-Happiness-Purpose/dp/059319148X
The Atlantic article by Arthur Brooks: https://www.theatlantic.com/magazine/archive/2021/03/work-peak-professional-decline/617796/
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Episode 3365:
Jeremy challenges the notion that earning income after early retirement equals failure, sharing his own experiment with seasonal work as a UPS driver. His candid reflection reveals how flexibility, self-awareness, and reevaluating what “retirement” means can lead to greater peace of mind, without compromising your values or financial independence.
Read along with the original article(s) here: https://www.gocurrycracker.com/failing-at-early-retirement/
Quotes to ponder:
"Should you feel like you failed at early retirement if you decide to do some paid work? No."
"The greatest financial benefit was that it reminded me of just how much time and energy is required to make $100."
"Try some things, no big deal. Maybe you will enjoy some work and find it brings value to your life."
Episode references:
UPS Personal Vehicle Driver Program: https://www.jobs-ups.com/personal-vehicle-drivers
Amazon Flex: https://flex.amazon.com/
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![3364: [Part 2] Financial FOMO: What, Why and How To Avoid It by Joel of 5AMJoel on Financial Awareness](https://megaphone.imgix.net/podcasts/584963be-bf1c-11f0-a7a4-9f508456a407/image/bbc96fe6b7e6ee200b868c19bce9c9f3.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress "3364: [Part 2] Financial FOMO: What, Why and How To Avoid It by Joel of 5AMJoel on Financial Awareness")
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Episode 3364:
Joel explores how Financial FOMO quietly undermines progress by fueling comparison, indecision, and unrealistic expectations. With practical mindset shifts like appreciation, JOMO, and a "low information diet," he shows how to reclaim clarity, peace, and confidence on your unique financial path.
Read along with the original article(s) here: http://5amjoel.com/financial-fomo/
Quotes to ponder:
"Missing out gives you more time to focus on other stuff that matters to you. Think 'Less = More'."
"You are comparing their 'outsides' with your 'insides.' The outside appearance of people will always trump your inside feelings about yourself."
"Think about all the things you do have, instead of all the things you don’t have."
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![3363: [Part 1] Financial FOMO: What, Why and How To Avoid It by Joel of 5AMJoel on Financial Awareness](https://megaphone.imgix.net/podcasts/a3f83124-bf1b-11f0-9478-3f5ed0877ecd/image/af84b2a54fcf2219e0d97b5af0da4984.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress "3363: [Part 1] Financial FOMO: What, Why and How To Avoid It by Joel of 5AMJoel on Financial Awareness")
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.
Episode 3363:
Joel unpacks the toxic effects of Financial FOMO, the anxiety-driven urge to chase every wealth-building trend, and how it can derail both your mindset and money. Through the story of Steve, we see how constantly comparing yourself to others’ financial wins can create a cycle of stress, distraction, and wasted energy that undermines long-term success.
Read along with the original article(s) here: http://5amjoel.com/financial-fomo/
Quotes to ponder:
"Financial FOMO is a little more specific to money and investing. It’s when you worry about missing out on financial success or profitable events, and that worry makes you do harmful things to grow your wealth."
"Getting ahead financially is as much about how you feel about your money as it is about how much money you have."
"It might sound cool to have Financial FOMO, but it can actually be detrimental to your financial success."
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Episode 3362:
Steve Kamb reveals how true personal growth lies just beyond our comfort zone, right where failure, fear, and challenge live. By embracing the discomfort of trying and stretching ourselves at the edge of our capabilities, we build resilience, confidence, and real progress over time.
Read along with the original article(s) here: https://www.nerdfitness.com/blog/growth-happens-at-our-limits-embrace-it/
Quotes to ponder:
"Growth comes from the edge of our capabilities, where we try something we’re not good at and improve over time."
"You can’t become stronger without pushing yourself beyond what you can currently do."
"If you only ever do the things you’re good at, you’ll never grow."
Episode references:
Can’t Hurt Me by David Goggins: https://www.amazon.com/Cant-Hurt-Me-Master-Your/dp/1544512287
Atomic Habits by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299
Grit by Angela Duckworth: https://www.amazon.com/Grit-Passion-Perseverance-Angela-Duckworth/dp/1501111108
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Episode 3361:
Jen Hayes shares smart, practical strategies for celebrating Christmas joyfully without overspending, from DIY gifts to careful budgeting and bargain hunting. Her thoughtful advice helps reduce financial stress while keeping the season meaningful, creative, and debt-free.
Read along with the original article(s) here: https://www.jenhayes.me/have-yourself-frugal-little-christmas/
Quotes to ponder:
"Christmas really is a lot of fun so it’s all worth it, just follow the tips here to stop yourself from overspending and getting into trouble financially."
"You could save a fortune and still get the joy of handing someone a present; they will know you’ve put the effort in too which is far more special than the amount of money paid."
"Instead of spending lots of money on fancy cakes and chocolate, have a look on Pinterest for recipes and make your own."
Episode references:
DontPayFull: https://www.dontpayfull.com
Pinterest: https://www.pinterest.com
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Episode 3360:
Jackie Beck offers a simple, empowering 30-day plan to kickstart your emergency savings, breaking down a goal that often feels overwhelming into small, daily steps. With a focus on creating realistic habits and tracking actual spending, she shows how anyone can begin to build financial security, even on a tight budget.
Read along with the original article(s) here: https://www.jackiebeck.com/how-to-build-a-starter-emergency-fund-in-30-days-or-less/
Quotes to ponder:
"Any amount is more than you had before. It’s something that will insulate you from an emergency that much more than nothing."
"Save FIRST and always instead, and then you’ll have it done."
"Make saving for emergencies a habit, and keep at it until you reach whatever larger goal feels comfortable to you."
Episode references:
Capital One 360 Savings Account: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/
Bankrate Emergency Savings Survey: https://www.bankrate.com/banking/savings/emergency-savings-report/
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Episode 3359:
Sarah Von Bargen shares simple yet surprisingly effective ways to curb spending without feeling deprived. By adding small layers of friction, like unsubscribing from sales emails or using cash-only budgets, you can outsmart impulse buys and reclaim control over your money with minimal effort.
Read along with the original article(s) here: https://www.yesandyes.org/2018/12/spending-less-tricks.html
Quotes to ponder:
"If we can’t be bothered to stand up and go get our credit cards, we probably didn’t really want the item that much to begin with."
"Multiple studies have shown that people who shop hungry spend 60-70% more (!!!) than their non-hungry peers."
"One of the best things I’ve ever done for my mental health was unfollow accounts that made me feel less-than and fill my feed with people who are in my size, age, and tax bracket."
Episode references:
Block Site for Chrome: https://chrome.google.com/webstore/detail/block-
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Episode 3358:
Kathleen Coxwell invites you to craft a deeply personal retirement manifesto, a clear, intentional declaration of your values, dreams, and life lessons. By articulating what matters most and how you want to spend your time, you'll find greater purpose, fulfillment, and direction in the next chapter of your life.
Read along with the original article(s) here: https://www.newretirement.com/retirement/what-is-your-retirement-manifesto/
Quotes to ponder:
"This is your time to be defined by you."
"Writing a manifesto can be a great way of thinking about what you want out of your life and a way of holding yourself accountable for being who you want to be."
"You will want to use positive statements, say what you want (not what you don’t want)."
Episode references:
EconoMe Conference: https://www.economeconference.com/
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Episode 3357:
Joshua Becker reveals how decades of marketing have hijacked the spirit of the holidays, turning a season meant for connection into one dominated by consumerism and stress. He offers a compelling case for simplifying gift-giving, focusing instead on meaningful traditions that bring real joy and lasting memories.
Read along with the original article(s) here: https://www.becomingminimalist.com/dont-let-shopping-ruin-your-holidays/
Quotes to ponder:
"Retail promises the perfect Christmas, but ruins it instead."
"Shopping is resulting in the exact opposite emotions we desire during this holiday season."
"Lifestyle creep is not just for adults… the phenomena exists for children as well."
Episode references:
The Hope Effect: https://www.hopeeffect.com/givingtuesday2021
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Episode 3356:
Laurie Sepulveda breaks down why many women struggle with salary negotiations and outlines how to shift from self-doubt to confidence through research, practice, and strategic silence. By understanding your market value, leveraging your accomplishments, and getting comfortable with making counter-offers, you can start earning what you're truly worth.
Read along with the original article(s) here: https://womenwhomoney.com/negotiate-next-raise/
Quotes to ponder:
"Unless we're armed with knowledge [meaning cold, hard money facts], we don't have the upper hand in negotiating."
"Silence can be a very powerful negotiation tool, mainly because it allows you to react in a way that eliminates much of the emotion from the conversation."
"One of the most potent ways to increase the amount you’re offered is to simply make a counter-offer when you’re presented with the first salary number."
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Episode 3355:
Jennifer explores seven thoughtful investments that consistently pay off in the long run from personal growth to practical tools that save time and stress. Her insights challenge the guilt often tied to spending, encouraging more intentional choices that align with your values and enhance everyday life.
Read along with the original article(s) here: https://www.simplyfiercely.com/7-things-you-will-never-regret-spending-money-on/
Quotes to ponder:
"You’ll never regret spending money on things that help you grow as a person."
"Spending money to save time and energy isn't lazy, it's strategic."
"When you say yes to something, you’re saying no to something else, so make your choices count."
Episode references:
Atomic Habits: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299
Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766
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Episode 3354:
Charlie Brown outlines a refreshingly simple but powerful framework for designing a fulfilling life by mastering three key areas, personal finance, meaningful work, and intentional living. By rethinking your money habits, rejecting uninspired career norms, and embracing simplicity, you build a sturdy foundation for freedom, joy, and authenticity in everyday life.
Read along with the original article(s) here: https://medium.com/better-advice/life-is-a-triangle-master-its-3-points-to-live-a-kick-ass-existence-821b340b0c71
Quotes to ponder:
"Once you have an aim, the mechanics of personal finance suddenly look a lot more appealing."
"The day I realized there is another way was the day my working life started to slot into place."
"Simple living is the long-ass line at the bottom, the foundation of it all."
Episode references:
Tim Denning article quote (source site): https://timdenning.com
Theodore Roosevelt quote: https://www.goodreads.com/quotes/777-nothing-in-the-world-is-worth-having-or-worth-doing
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Episode 3353:
Tony outlines common investing pitfalls that trip up even the most well-intentioned investors, from emotional trading to lack of diversification. With straightforward tips and reminders, he encourages readers to adopt a steady, informed approach that leads to long-term wealth and financial resilience.
Read along with the original article(s) here: https://moneyminiblog.com/lists/common-investing-mistakes/
Quotes to ponder:
"People buy high because of greed and sell low because of fear."
"Successful investors don’t let emotions control their investing decisions."
"It’s better to invest for the long haul and let the market do what it does."
Episode references:
Rich Dad Poor Dad: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612681131
The Bogleheads’ Guide to Investing: https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283
The Intelligent Investor: https://www.amazon.com/Intelligent-Investor-Definitive-Value-Investing/dp/0060555661
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Episode 3352:
J.D. Roth exposes the two-headed beast of financial trolls, those external voices that discourage your progress, and the internal ones that sabotage it from within. By naming these voices and providing clear strategies to silence them, he empowers readers to protect their mindset, build confidence, and finally start using money as the tool it’s meant to be.
Read along with the original article(s) here: https://www.getrichslowly.org/facing-and-fighting-financial-trolls/
Quotes to ponder:
"A financial troll is a close cousin to the forum troll, except that financial trolls strive to sabotage your financial pursuits."
"Money is more about mind than it is about math."
"Complainers are poisonous."
Episode references:
FIRE the Haters by Jillian Johnsrud: https://www.amazon.com/Fire-Haters-Finding-Courage-Critical/dp/1736549820
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Episode 3351:
Philip Taylor explains how the Roth IRA offers powerful tax advantages for retirement savers, especially those who want more flexibility, investment control, and tax-free withdrawals. Unlike traditional accounts, Roth contributions are made with after-tax dollars, meaning you can withdraw both your contributions and earnings tax-free in retirement, making it a smart option for many earners seeking long-term growth and financial security.
Read along with the original article(s) here: https://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/
Quotes to ponder:
"A Roth IRA is taxed just the opposite of the Traditional IRA and 401K."
"Taxes can really eat into your investment earnings."
"A Roth IRA is an excellent tool to help you save more money for your retirement."
Episode references:
IRS Roth IRA Rules: https://www.irs.gov/retirement-plans/roth-iras
Vanguard Roth IRA: https://investor.vanguard.com/ira/roth-ira
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Episode 3350:
Ramit Sethi breaks down dollar-cost averaging as a smart way to invest consistently over time without trying to time the market. He explains how this strategy can protect against volatility, while also comparing it to lump-sum investing, which often yields higher returns, but not without emotional trade-offs. Sethi also provides a practical guide for building an index fund portfolio from scratch, even on a limited budget.
Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/blog/dollar-cost-averaging/
Quotes to ponder:
"Investing isn’t a race, you don’t need a perfect asset allocation tomorrow."
“Your asset allocation determines how much money you invest in different areas.”
“Spend less than you make and invest the difference.”
Episode references:
VTSAX (Vanguard Total Stock Market Index Fund): https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax
Vanguard Target Retirement 2050 Fund (VFIFX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vfifx
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Episode 3349:
Jesse Cramer unpacks the underestimated power of "room for error" as a life and investing strategy, drawing insights from Morgan Housel, Charlie Munger, and Howard Marks. Instead of chasing peak performance, Cramer advocates for avoiding disaster, building resilience, and prioritizing consistency, especially when stress can derail even the best-laid plans.
Read along with the original article(s) here: https://bestinterest.blog/room-for-error/
Quotes to ponder:
"In investing and in life, prioritize avoidance of terrible situations."
"Room for error lets you stick around long enough to let the odds of benefiting from a low-probability outcome fall in your favor."
"Invest! Harness the power of humanity’s economic engine and compound returns."
Episode references:
The Power of Inversion: https://fs.blog/inversion/
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![3348: [Part 2] Spend Less - Live More by Leif of Physician On Fire on Intentional Spending and Lifestyle Design](https://megaphone.imgix.net/podcasts/b7ddfef2-b4d6-11f0-a637-a32b38501905/image/43d0762293fdb062ceeff855fbdbad58.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress "3348: [Part 2] Spend Less - Live More by Leif of Physician On Fire on Intentional Spending and Lifestyle Design")
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Episode 3348:
Leif challenges the conventional link between income and happiness by highlighting how mindful spending and intentional living can lead to greater freedom, satisfaction, and emotional well-being. Drawing on research, personal experience, and the FIRE movement, he illustrates how spending less, while counterintuitive in a consumer-driven culture, can actually unlock more time, autonomy, and joy.
Read along with the original article(s) here: https://www.physicianonfire.com/spend-less-live-more/
Quotes to ponder:
"High income buys life satisfaction but not happiness."
"The things you own end up owning you. It’s only after you lose everything that you’re free to do anything."
"A dollar spent is a dollar not saved or invested."
Episode references:
High income improves evaluation of life but not emotional well-being (Kahneman & Deaton, 2010): https://www.pnas.org/doi/10.1073/pnas.1011492107
You Need a Budget (YNAB): https://www.youneedabudget.com/
Scott’s Cheap Flights (now Going): https://www.going.com/
Personal Capital (now Empower): https://www.empower.com/
Mint: https://mint.intuit.com/
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Optimal Finance Daily works because it simplifies complex financial ideas into practical advice, echoing Wikipedia’s point that clear education improves financial literacy. Diania Merriam’s style keeps listeners motivated and helps them apply budgeting and investing tips in real life. Even tools like take-home-pay-calculator show how small, practical resources support better financial decisions every day. https://take-home-pay-calculator.uk/
Diania Merriam’s podcast simplifies financial topics like saving, investing, and early retirement. Wikipedia notes that financial literacy helps people make smarter money choices. Tools like the EMI-Calculator further support smart budgeting and financial planning. https://emi-calculator.cc/personal-loan-emi-calculator/
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