Optimal Finance Daily - Financial Independence and Money Advice

Optimal Finance Daily - Financial Independence and Money Advice

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...

Episodes

3333: What Happens if I Die Without Creating a Will by Vicki Cook and Amy Blacklock of Women Who Money

October 28, 2025 • 9 mins
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 3333: Vicki Cook and Amy Blacklock break down what really happens if you die without a will, highlighting how state laws, not your loved ones, could dictate who inherits your assets. From risking your partner being excluded to losing control over your children’s guardianship,...
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3332: Women, Insecurity and Money: Overcoming the Confidence Gap by Kristin Wong with Get Rich Slowly

October 27, 2025 • 10 mins
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 3332: Kristin Wong explores how insecurity and societal expectations can limit women's financial growth and confidence, especially in negotiating and investing. Drawing from research and personal experience, she emphasizes the transformative power of financial knowledge, self...
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3331: Buy Your Freedom; Rent the Rest by FIRECracker with JLCollinsNH on Smart Choices for a Free Life

October 26, 2025 • 10 mins
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 3331: FIRECracker challenges the conventional wisdom that owning is always better than renting by sharing a personal story of how car-sharing saved thousands and reduced stress after a nasty accident with a white van. With sharp humor and financial insight, she makes a compel...
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3330: The Joy of Open Space by Rose Lounsbury on Finding Peace in Less

October 26, 2025 • 9 mins
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 3330: Rose Lounsbury explores how the presence of open space, not exotic vacations or minimalist fantasies, brings real peace to our everyday lives. Through her journey from insomnia and stress to clarity and calm, she reveals how decluttering our surroundings can unlock a de...
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3329: How Acne Made Me More Frugal by Jess Chua with Budgets Are Sexy on Lessons in Simplicity and Self-Care

October 25, 2025 • 9 mins
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 3329: Jess Chua’s unexpected battle with adult acne became a surprising teacher in frugality and intentional living. Her journey away from expensive, overhyped skincare routines toward minimalist, research-backed self-care reveals how challenges can prompt deeper awareness ar...
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3328: A Simple Estate Planning Checklist For a Challenging Topic by Scott Spann with Financial Finesse

October 24, 2025 • 11 mins
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 3328: Scott Spann outlines a straightforward estate planning checklist that empowers you to make proactive decisions, no matter your age, income, or family status. From organizing documents and setting clear goals to naming beneficiaries and creating essential legal directive...
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3327: [Part 2] Your Aging Car: Repair or Replace? By Philip Taylor of PT Money on Making Smart Car Decisions

October 23, 2025 • 9 mins
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 3327: Philip Taylor outlines smart strategies to avoid the car loan debt trap, including paying cash for your next vehicle, refinancing through local credit unions, and leveraging side income to accelerate debt payoff. He emphasizes the long-term financial gains of keeping yo...
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3326: [Part 1] Your Aging Car: Repair or Replace? By Philip Taylor of PT Money on Making Smart Car Decisions

October 22, 2025 • 9 mins
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 3326: Philip Taylor breaks down the financial and emotional dilemma of whether to repair or replace an aging car, guiding you through five practical questions to assess safety, cost, and long-term value. His thoughtful analysis, paired with an inspiring story of a car-free li...
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3325: Why Lifestyle Inflation is Harmful and How to Avoid it by Mr. Finer on Living Well Without Overspending

October 21, 2025 • 10 mins
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 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recogniz...
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3324: The Triumph of Logos by Nick Maggiulli of Of Dollars And Data on Logic Over Emotion in Money Decisions

October 20, 2025 • 12 mins
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 3324: Nick Maggiulli explores how the personal finance world is shifting from emotional storytelling and appeals to authority toward logic-driven, evidence-based insights. By comparing this evolution to the transformation seen in martial arts through the rise of the UFC, Magg...
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3323: Don't Eat the Doughnut by Craig Stephens of Retire Before Dad on Delayed Gratification

October 19, 2025 • 10 mins
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 3323: Craig Stephens uses the simple act of resisting a doughnut to illustrate how self-control and delayed gratification fuel long-term financial freedom. His reflection shows that every small disciplined choice shapes a stronger mindset, greater savings, and a life built on...
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3322: Conquering your "Feelings Phobia" by Rachel Shanken of Mind Body Wise on Facing Your Emotions

October 19, 2025 • 9 mins
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 3322: Rachel Shanken invites readers to confront their “feelings phobia” by understanding that emotions are not threats but valuable messages from within. Through mindfulness, compassion, and gentle curiosity, she shows how embracing our emotions leads to deeper self-awarenes...
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3321: 5 Things That Happen When You Stop Buying S*** You Don’t Need by Sarah Von Bargen on Spending with Intention

October 18, 2025 • 11 mins
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 3321: Sarah Von Bargen reveals how cutting out unnecessary purchases transforms not just your finances but your confidence, peace of mind, and relationship with your space. By aligning spending with genuine joy and values, she shows that mindful consumption can lead to greate...
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3320: My Worst Money Mistakes by ESI on Lessons Learned from Financial Missteps

October 17, 2025 • 8 mins
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 3320: ESI pulls back the curtain on his biggest financial missteps, from reckless early spending to investing in high-fee mutual funds and getting burned by an uninsured bank. With hard-earned humility and clear-eyed reflection, he shows that even serious money mistakes can s...
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3319: The Fallacy of Homeownership by Julien Saunders of Rich and Regular on The Truth About Buying Homes

October 16, 2025 • 10 mins
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 3319: Julien Saunders challenges the long-held belief that homeownership is the ultimate symbol of financial success, revealing the hidden costs, inefficiencies, and limitations it often creates. By examining oversized houses, expensive mortgages, underutilized space, and geo...
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3318: [Part 2] Are You Feeling Lucky? The Two Schools of Retirement Income by Darrow Kirkpatrick on Retirement Planning Basics

October 15, 2025 • 11 mins
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 3318: Darrow Kirkpatrick unpacks the real distinction in retirement income strategies, not between risk and safety, but between who manages the risk, you or an insurance company. He argues for a flexible, hybrid approach that evolves over time, matching both your temperament ...
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3317: [Part 1] Are You Feeling Lucky? The Two Schools of Retirement Income by Darrow Kirkpatrick on Retirement Planning Basics

October 14, 2025 • 11 mins
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 3317: Darrow Kirkpatrick explores the two dominant schools of retirement income planning: probability-based strategies, which rely on investment growth and withdrawal methods, and safety-first approaches, which prioritize guaranteed income through annuities or bonds. He highl...
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3316: The Downsides to Owning Out of State Rental Properties by Joel of 5AM Joel on Hidden Risks of Rentals

October 13, 2025 • 9 mins
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 3316: Joel shares the real challenges of managing rental properties far from home, from unexpected repair costs and multiple state tax filings to navigating local laws and building trust with teams you’ve never met in person. With practical strategies and personal lessons lea...
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3315: Control The Urge To Splurge: How To Save More Money by Sam of Financial Samurai on Smart Money Habits

October 12, 2025 • 12 mins
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 3315: Sam Dogen explores the psychology behind overspending and how to recognize the emotional triggers that lead to impulse purchases. By shifting focus toward long-term satisfaction, building awareness, and setting up practical guardrails, he shows how to resist the urge to...
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3314: Listen and Learn From Successful Athletes by Ross Enamait of Ross Training on Building a Winner’s Mindset

October 12, 2025 • 9 mins
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 3314: Ross Enamait highlights the importance of learning from the journeys of accomplished athletes, not just their victories. By listening to their struggles, persistence, and adaptability, we gain practical lessons that extend far beyond sports and can fuel personal growth ...
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