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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
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Fritz Gilbert talks about taking on debt for the sake of making things better. This is part 2 of 2. Episode 1358: [Part 2] Why We’re Taking On Debt To Move From Good To Great 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/why-were-taking-on-debt-to-move-from-good-to-great/ 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 talks about taking on debt for the sake of making things better. This is part 1 of 2. Episode 1357: [Part 1] Why We’re Taking On Debt To Move From Good To Great 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/why-were-taking-on-debt-to-move-from-good-to-great/ 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 Gusto offers modern, easy payroll and benefits to small businesses across the country. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd. Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Christine Sato of Jen Hayes tells us how to save money while still investing. Episode 1356: How to Save Money and Still Invest by Christine Sato with JenHayes 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//save-money-still-invest/ For a limited time, BitTrust IRA is waiving the signup fee for OFD listeners - a $50 value. That’s BitTrustIRA.com/OFD 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
Wanderer fills us in on who should contribute to a 529 plan. Episode 1355: Who Should Contribute to a 529 Plan by Wanderer of Millennial Revolution on Saving for Education Expenses 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/529-plan/ 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
Kali of Making Sense of Cents talks about what to do when being frugal isn't enough. Episode 1354: When Being Frugal Isn't Enough by Kali with Making Sense of Cents on How To Make More Money 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/2013/11/when-being-frugal-isnt-enough.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! With business WiFi solutions from NETGEAR, you can focus on your business, not your IT. Visit netgear.com/wifi and never worry about WiFi again! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Andrea Joy of Saving Joyfully talks about how to deal with debt healthily. Episode 1353: Dealing with Debt In A Healthy Way by Andrea Joy of Saving Joyfully Andrea Joy is the creator of Saving Joyfully, a personal finance and frugality blog emphasizing joyful living. On her website, savingjoyfully.com, she offers inspiration and resources for your journey to financial freedom. The original post is located here: https://savingjoyfully.com/dealing-with-debt-in-a-healthy-way/ 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 talks about the true cost of waiting for what you really want. Episode 1352: The True Cost of Waiting for What You Really Want by Kumiko of The Budget Mom on Living In The Moment 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/the-true-cost-of-waiting-for-what-you-really-want/ 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
Vicki and Amy of Women Who Money tell us what it takes to invest successfully. Episode 1351: What Does It Take To Be A Successful Investor by Vicki Cook & Amy Blacklock of Women Who Money The co-founders of Women Who Money are Amy Blacklock from Life Zemplified and Vicki Cook, from Make Smarter Decisions. Vicki and Amy connected initially online and eventually met in person at a financial conference in the fall of 2017. They’ve both reached financial independence and left full-time work to devote more time to family, pursue passion projects, and embrace fun and challenging opportunities. They enjoy collaborating on original content and sharing great articles written by and for women. The original post is located here: https://womenwhomoney.com/characteristics-successful-investor/ For a limited time, BitTrust IRA is waiving the signup fee for OFD listeners - a $50 value. That’s BitTrustIRA.com/OFD 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
Tyler Tervooren of Riskology.co talks about the "Don't Own Stuff You Can't Fix" plan. Episode 1350: The "Don’t Own Stuff You Can’t Fix" Plan for Life by Tyler Tervooren of Riskology on Minimalism Tyler is a serial entrepreneur, the founder of Riskology, former co-producer of the World Domination Summit – an annual event for free-thinkers and non-conformists, and has completed a marathon on every continent. The original post is located here: https://www.riskology.co/fix-it-yourself/ 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 Gusto offers modern, easy payroll and benefits to small businesses across the country. 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
Lance La Croix of La Croix Financial Coaching discusses the importance of budgeting. Episode 1349: The Elusive Budget and Why You Should Have One by Lance La Croix of La Croix Financial Coaching Lance is a Ramsey Solutions Master Financial Coach trained and endorsed by Dave Ramsey (creator of Financial Peace University and author of Total Money Makeover) and Chris Hogan (best-selling author of Retire Inspired and Everyday Millionaires). The original post can be found here: https://www.lacroixfinancialcoaching.com/directingdollarsblog/the-elusive-budget-and-why-you-should-have-one 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
Brian Tracy tells us how we can change our mentality to up our chances at financial freedom. Episode 1348: Change Your Thinking. 5 Mentality Shifts Wealthy People Live By to Achieve Financial Freedom by Brian Tracy Brian Tracy's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. Brian Tracy has consulted for more than 1,000 companies and addressed more than 5,000,000 people in 5,000 talks and seminars throughout the US, Canada and 70 other countries worldwide. As a Keynote speaker and seminar leader, he addresses more than 250,000 people each year. He has studied, researched, written and spoken for 30 years in the fields of economics, history, business, philosophy and psychology. He is the top selling author of over 70 books that have been translated into dozens of languages. The original post is located here: https://www.briantracy.com/blog/financial-success/change-your-thinking-5-mentality-shifts-wealthy-people-live-by-to-achieve-financial-freedom/ Special Black Friday deal from NordVPN: Every purchase of a 2-year plan will get you 4 additional months free. Go to https://nordvpn.com/ofd and use our coupon ofd at checkout. 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 talks about what financial ethics to care about. Episode 1347: The Person's Financial Ethic We Should Care Most About Is Our Own by Joshua Becker of Becoming Minimalist 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/money-ethics/ 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! With business WiFi solutions from NETGEAR, you can focus on your business, not your IT. Visit netgear.com/wifi and never worry about WiFi again! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Monika of Mission Money suggests the best non-financial skills and mindset traits you can adapt. This is part 2 of 2. Episode 1346: [Part 2] Best Non-Financial Skills and Mindset Traits Which Pay Off In Everyday Life by Monika of MissionMoney Monika is a mother of two cats, a content creator and an expat settled in the UK, and a digital producer by profession. Financial literacy is something that appears to still be missing in schools and money remains a taboo around many family tables. This blog might not fill all the gaps, but it will over time give you access to the basic tools needed to understand the economy we live in and to manage your money. And hopefully, it will also spark useful conversations. The original posts are located here: https://missionmoney.co.uk/2020/10/07/best-non-financial-skills-and-mindset-traits-which-pay-off-in-everyday-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
Monika of Mission Money suggests the best non-financial skills and mindset traits you can adapt. This is part 1 of 2. Episode 1345: [Part 1] Best Non-Financial Skills and Mindset Traits Which Pay Off In Everyday Life by Monika of MissionMoney Monika is a mother of two cats, a content creator and an expat settled in the UK, and a digital producer by profession. Financial literacy is something that appears to still be missing in schools and money remains a taboo around many family tables. This blog might not fill all the gaps, but it will over time give you access to the basic tools needed to understand the economy we live in and to manage your money. And hopefully, it will also spark useful conversations. The original posts are located here: https://missionmoney.co.uk/2020/10/07/best-non-financial-skills-and-mindset-traits-which-pay-off-in-everyday-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
Joel of 5AM Joel talks about the sunk cost fallacy. Episode 1344: The Sunk Cost Fallacy - STOP Digging by Joel of 5AMJoel on Critical Thinking on Money & Time 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/sunk-cost-fallacy/ 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
Andy Hill informs us of when it does and doesn't make sense to refinance our mortgages. Episode 1343: When It Makes Sense to Refinance Your Mortgage (And When It Doesn’t) by Andy Hill of Marriage Kids And Money Andy Hill is a husband and father to two awesome (and crazy) kids and they hail from the great state of Michigan. His goal is to give his family the best life possible and strengthen their family tree for generations to come. In 2016, he got so geeked about this topic of young family finance that he decided to start a blog and podcast about it. It began as a hobby and then morphed into a fun side hustle when people started to enjoy the information he was sharing. Fast forward to today, he’s left his corporate event marketing career behind and is now a full-time blogger and podcaster who has been featured in major media outlets like CNBC, Kiplinger’s Personal Finance and NBC News The original post is located here: https://marriagekidsandmoney.com/when-it-makes-sense-to-refinance-your-mortgage-when-it-doesnt 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
J.D. Roth with Get Rich Slowly gives some lessons in true wealth. Episode 1342: The Razor's Edge: Lessons in True Wealth by J.D. Roth of Get Rich Slowly 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/the-razors-edge-lessons-in-true-wealth/ 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 Fundrise 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
Hilary of Freedom Sprout gives us tips to save on heating in time for the winter. Episode 1341: 7 Ways to Save on Heating Costs This Winter by Hilary with Money Mini Blog on Lowering Utility Bills 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/save-money/save-heating-costs/ 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? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
Jeffrey Trull of PT Money reminds us of 9 things that cost more than we might think they do. Episode 1340: 9 Things That Cost You Surprisingly More Than You Think by Jeffrey Trull with PT Money on Hidden Costs 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/the-surprising-true-costs-of-9-common-expenses/ 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! With business WiFi solutions from NETGEAR, you can focus on your business, not your IT. Visit netgear.com/wifi and never worry about WiFi again! Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalFinanceDaily --- Support this podcast: https://anchor.fm/optimal-finance-daily/support
The Finance Twins examine the alarming rise in American college costs compared to wages. Episode 1339: The Price of College in America Is Increasing 8x faster Than Wages by 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/the-cost-of-college-is-out-of-hand-and-getting-worse/ 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
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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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