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Optimal Finance Daily

Optimal Finance Daily

Author: Diania Merriam | Optimal Living Daily

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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
1324 Episodes
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Jen Hayes tells you the truth about why you're always broke. Episode 1322: The Real Reason Why You're Always Broke by Jen Hayes on Creating A Healthy Money Mindset 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 exclusive tips on how to save money, earn more, and live like no one else. The original post is located here: https://www.jenhayes.me/the-real-reason-why-youre-always-broke/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
FIRECracker of Millennial Revolution insists that renting will make us rich. Episode 1321: Why Renting Will Make You Rich by FIRECracker of Millennial Revolution on The Rent Versus Buying A Home Debate 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/rent/renting-will-make-you-rich/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Ready for the best WiFi ever? Find out what makes NETGEAR America’s Number One choice for WiFi at netgear.com/bestwifi Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Michelle Schroeder-Gardner of Making Sense of Cents talks about the power behind a no spend challenge. Episode 1320: The Power Of A No Spend Challenge by Michelle Schroeder-Gardner of Making Sense of Cents on Frugality 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/2015/10/the-power-of-a-no-spend-challenge.html Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Kumiko of The Budget Mom offers three tips for feeling better about your financial situation. Episode 1319: 3 Things to Do Today to Feel Better about Your Finances by Kumiko of The Budget Mom on Setting Financial Goals 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/3-things-to-do-today-to-feel-better-about-your-finances/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Robert Farrington of The College Investor breaks down when commissions matter and when they don't. Episode 1318: When Commissions Matter And When They Don't by Robert Farrington of The College Investor on Investing Expenses 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/21409/commissions-matter-dont/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Fritz Gilbert fills us in on the narrow path to a great retirement. Episode 1317: The Narrow Path To A Great Retirement by Fritz Gilbert of The Retirement Manifesto Fritz Gilbert retired at age 55 after a 33-year career in the global aluminum industry. His award-winning blog, The Retirement Manifesto, is focused on helping people achieve a great retirement. The blog follows his journey from 3 years prior to retirement through his first 2+ years of living in retirement and focuses on both the financial and non-aspects required to live a great life in retirement. Follow him at his blog, TheRetirementManifesto, or on Twitter and Facebook. The original post is located here: https://www.theretirementmanifesto.com/the-narrow-path-to-a-great-retirement/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Ready for the best WiFi ever? Find out what makes NETGEAR America’s Number One choice for WiFi at netgear.com/bestwifi Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
J. Money of Budgets Are Sexy talks about how spending money improves your life. Episode 1316: When Spending Money Improves Your Life by J. Money of Budgets Are Sexy on Treating Yourself 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/when-spending-money-improves-your-life/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Brian Tracy tells us how we can use self-discipline to rid ourselves of financial problems. Episode 1315: Eliminate Financial Problems Through Self Discipline by Brian Tracy on Personal Finance Success Principles Brian Tracy's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. BrianTracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 70 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year. He has studied, researched, written and spoken for 30 years in the fields of economics, history, business, philosophy and psychology. He is the top selling author of over 70 books that have been translated into dozens of languages. The original post is located here: https://www.briantracy.com/blog/financial-success/eliminate-financial-problems-through-self-discipline-financial-independence/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Joel of 5AM Joel asks a key question: how many toilets do you own? Episode 1314: How Many Toilets Do You Own by Joel of 5AM Joel on Benefits & Disadvantages of Real Estate Investing 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/rental-property-toilets/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Joshua Becker of Becoming Minimalist shares ten budgeting tips that can help to lower your life's fixed costs. Episode 1313: Budgeting Tips: 10 Ways to Lower Your Life's Fixed Costs by Joshua Becker of Becoming Minimalist on Saving Money Joshua Becker and his family decided to live with fewer possessions after a conversation with his neighbor in 2008. As a result, they found a better way to live, centered on more important pursuits. Their story has been seen on the CBS Evening News, NPR, the Boston Globe, the Wall Street Journal and countless media interviews around the world. Their books have sold in the tens of thousands. BecomingMinimalist.com is about their journey towards a rational approach to minimalism. It is about the joys and the struggles. It is about the lessons they have learned. It has inspired millions around the world. It is written to inspire you to intentionally live with less, and find more life because of it. The original post is located here: https://www.becomingminimalist.com/budgeting-tips/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Gina Zakaria of Saving Whiz informs us of five ways that frugality can enhance our lives. Episode 1312: 5 Ways Frugality Enhances Your Life by Gina Zakaria of Saving Whiz on Frugal Living & Mindful Spending Gina Zakaria, the founder and writer for TheFrugalConvert.com, is based in Los Angeles. She is passionate about helping others find their sweet spot in spending and saving, by being more frugal. It’s her mission to teach others how to maximize on life while saving money. She’s appeared on MeTime with Frangela talk show and featured in Money Magazine, Yahoo Finance, and other prominent personal finance sites. The original post is located here: https://www.savingwhiz.com/savemoney/frugal-will-enhance-life/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! If you’re interested in investing, you need to join OurCrowd. The OurCrowd account is FREE, just go to ourcrowd.com/OFD Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Nick True of Mapped Out Money reminds us of three habits that are costing us hundreds of thousands of dollars. This is part 2 of 2. Episode 1311: [Part 2] 3 Habits That Are Costing You Hundreds of Thousands by Nick True of Mapped Out Money on Saving Cash 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/3-habits-that-are-costing-you-hundreds-of-thousands/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Nick True of Mapped Out Money reminds us of three habits that are costing us hundreds of thousands of dollars. This is part 1 of 2. Episode 1310: [Part 1] 3 Habits That Are Costing You Hundreds of Thousands by Nick True of Mapped Out Money on Saving Cash 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/3-habits-that-are-costing-you-hundreds-of-thousands/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Leo Babauta of Zen Habits explains the drive behind why some people buy too much. Episode 1309: Buying Too Much Stuff is Driven By Uncertainty by Leo Babauta of Zen Habits on Simple Living & Minimalism Leo Babauta created Zen Habits, which is about finding simplicity and mindfulness in the daily chaos of our lives. It’s about clearing the clutter so we can focus on what’s important, create something amazing, find happiness. The original post is located here: https://zenhabits.net/buying Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Vicki and Amy of Women Who Money tell us what savings goals should be focused on first. Episode 1308: What Savings Goals Should You Focus On First by Vicki Cook & Amy Blacklock of Women Who Money 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/savings-goals-focus-priority/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Tynan shares his thoughts on how to love living a frugal life. Episode 1307: Living Frugally and Loving It by Tynan on Frugal Life & Minimalism and Money Tynan was named as one of the top 25 best bloggers in 2013 by Time Magazine. He believes in making deliberate decisions and breaking away from the herd mentality. He likes learning new things, building habits, exposing the world, connecting with awesome people, and creating good work. The New York Times Bestseller “The Game” featured him as one of the main characters, as he was one of the most famous pickup artists in the world. In 2008, he sold everything he owned and went on an extended world trip, becoming a fervent minimalist. Fun facts: he’s a college dropout, was a professional poker player, Courtney Love was his roommate for 9 months, and he once built a swimming pool in his living room. The original post is located here: http://tynan.com/lovefrugal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Francisco Maldonado of The Finance Twins discusses the value of a credit score. Episode 1306: Your Credit Score Matters A Lot. Here's Why by Francisco Maldonado of The Finance Twins 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/does-your-credit-score-matter/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Rose Lounsbury gives us a lesson on how minimalists shop. Episode 1305: How Do Minimalists Shop by Rose Lounsbury on Minimalism & Personal Finance Decisions Rose Lounsbury is a keynote speaker, Amazon bestselling author, simplicity coach, and still-sane mom of triplets. (Yes, you heard that right!) She helps overwhelmed people create open spaces in their homes, workspaces, and more importantly–their minds–by letting go of the excess stuff that gets in the way. Rose started her own simplicity journey in 2012, after getting fed up with spending all of her free time dealing with my stuff. As she slowly let go of everything that didn’t matter to her, she discovered some amazing things: free time, peace of mind, & clarity. Rose became a simplicity coach to help others do the same thing. The original post is located here: https://roselounsbury.com/minimalist-shopping/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Philip Taylor of PT Money reminds you of what to consider before closing on your next house. Episode 1304: Things to Consider Before Closing on Your Next House by Philip Taylor of PT Money on Buying Real Estate Tips 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/closing-on-a-house/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Dawn Starks of SimpleMoney tells us how to rewrite the money stories we've been telling ourselves. Episode 1303: Rewriting the Money Stories We Tell Ourselves by Dawn Starks of Simple Money Pro on Combatting Negative Self-Talk 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/rewriting-the-money-stories-we-tell-ourselves/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in  The O.L.D. Facebook Group and Join the Ol' Family to get your Free Gifts! Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
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Comments (25)

Mohammed Mehrvand

Hello I am an English teacher and a YouTuber, i just wanted to use some of your podcast on my channel for practicing engish and I can invite them to subscribe to your channel. that would be great if I had your permission. thank you.

Oct 14th
Reply

Man in the Moon

I can understand both sides. On the one side, the majority of people who are good with money won't have a million dollars, and probably won't until they're in their 50s or later. That doesn't mean that their advice is worthless until they've made it. On the other side, plenty of people will give unsolicited advice on money while being terrible with it. I think what it comes down to is knowing who the advice is coming from.

Feb 25th
Reply (1)

Man in the Moon

I knew a guy who paid something around $800 per month who said he'd never be able to retire, and I believe him.

Feb 5th
Reply

Angel J. Segura

Thank you for helping people to improve their finacial literacy.

Nov 30th
Reply

Man in the Moon

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

Man in the Moon

This feels more like bragging than it does helpful advice.

Oct 30th
Reply

Man in the Moon

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

Man in the Moon

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

Man in the Moon

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

Man in the Moon

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

Man in the Moon

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

Man in the Moon

it's all wishful thinking at best

Aug 21st
Reply

Man in the Moon

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

Man in the Moon

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

Man in the Moon

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

Man in the Moon

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
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