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

3295: 5 Lessons From Our Buy Nothing New Challenge by Jaime of Keep Thrifty on How to Design Your Lifestyle

September 25, 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 3295: Jaime reflects on a year-long experiment of buying nothing new and the unexpected lessons it revealed about habits, discipline, and intentional spending. While the challenge wasn’t perfect, it led to a 40% reduction in new purchases and highlighted the value of patience...
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3294: How to Avoid Career Opportunity Costs by Jacob Lund Fisker on True Self-Actualization

September 24, 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 3294: Jacob Lund Fisker critiques the traditional middle-class career path as a costly distraction from true self-actualization, arguing that blindly pursuing job titles and material rewards can rob us of a more meaningful life. He challenges listeners to reimagine work and p...
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3293: How Basic Knife Skills Can Save You Money by Julien Saunders of Rich and Regular on How to Reduce Grocery Costs

September 23, 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 3293: Julien Saunders explains how mastering basic knife skills can significantly cut grocery costs by avoiding the hefty markups on pre-cut produce and convenience foods. With a good chef’s knife and some practice, you can save time, improve your cooking confidence, and keep...
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3292: [Part 2] Why You Should Invest, Even in Peak Markets by Chelsea of Smart Money Mamas on Investment Advice

September 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 3292: Chelsea illustrates how even investing at the peak of the Great Recession would have yielded strong long-term gains, especially with dividends reinvested. By showing historical data from past downturns, she highlights that discipline, patience, and consistency in the st...
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3291: [Part 1] Why You Should Invest, Even in Peak Markets by Chelsea of Smart Money Mamas on How to Be A Disciplined Investor

September 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 3291: Chelsea explains why waiting for the “perfect time” to invest is a losing strategy, showing how sitting on cash often results in missed growth and declining value due to inflation. By highlighting the benefits of dollar-cost averaging, lump-sum investing, and the market...
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3290: Creating a Home Gym by Ross Enamait on Working Out on A Budget

September 21, 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 3290: Ross Enamait explains how to build an effective home gym without overspending, emphasizing creativity, practicality, and functional training over expensive equipment. His guidance helps readers focus on essential tools and smart solutions, making fitness accessible no m...
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3289: WELLthy Living AND Accountability is the Key to Financial Success by Dawn Dahlby on Building Wealth

September 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 3289: Dawn Dahlby reminds us that building a truly fulfilling life requires growing both our financial wealth and our sense of self-worth. By creating intentional plans, staying accountable, and tracking progress, we can align our daily habits with our deeper values and move ...
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3288: 5 Lessons I Learned From My Investment In Amazon Stock by Mr. Finer on Stock Market Investing Advice

September 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 3288: Mr. Finer shares the lessons he learned from his investment journey with Amazon, showing how patience, research, and long-term conviction can outweigh expert opinions and short-term fears. His reflections highlight the value of backing visionary leaders, resisting the u...
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3287: Should You Rely On Credit Cards For Your Emergency Fund? By Michelle Schroeder-Gardner

September 18, 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 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter wh...
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3286: I Have $1 Million and I Still Can’t Afford to Retire! by Kathleen Coxwell of New Retirement

September 17, 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 3286: Kathleen Coxwell explores why even millionaires struggle with retirement security, revealing that a seven-figure nest egg often isn’t enough to sustain long-term quality of life. She outlines practical strategies, like extending work years, budgeting smarter, leveraging...
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3285: Life Insurance for Young Adults by Jeff Rose of Good Financial Cents on Important Financial Decisions

September 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 3285: Jeff Rose outlines why life insurance can be a smart move for young adults, even those without dependents. With low premiums and future-proofing benefits, early coverage can protect your loved ones from financial burdens and lock in cheaper rates before age or health ch...
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3284: When You Feel Like You Will Never Get Out of Debt: Things to Consider by Jackie Beck

September 15, 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 3284: Jackie Beck reminds us that the feeling of “I’ll never get out of debt” is normal at different stages of the journey, but it doesn’t mean freedom is out of reach. By narrowing your focus to the very next step, celebrating progress, and refusing to get stuck on the big p...
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3283: The Oregon Trail Guide to Personal Finance: What Happens Next? by Jana with Budgets Are Sexy

September 14, 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 3283: Jana draws parallels between The Oregon Trail and real-life money management, showing how every choice with our finances impacts long-term outcomes. By blending nostalgia with practical advice, she highlights the importance of preparation, balance, and smart decision-ma...
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3282: How to Cultivate Unconditional Confidence by Cylon George of Spiritual Living For Busy People

September 14, 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 3282: Cylon George shows that lasting confidence comes from embracing your true self rather than chasing external approval. By nurturing unconditional confidence, you can free yourself from self-doubt, trust your inner wisdom, and live with greater authenticity and courage. ...
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3281: Do You Have These Essential Financial Protections in Place? by Erik Carter of Financial Finesse

September 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 3281: Erik Carter highlights the importance of protecting your finances with the right safeguards before focusing on long-term goals. From health and disability insurance to emergency savings, estate planning, and life coverage, he explains how these essential protections can...
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3280: [Part 2] Why You Should Invest in Real Estate by ESI on Financial Independence Investing Plans

September 12, 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 3280: ESI shares how smart real estate investments funded his early retirement, showing how cash purchases, renovations, and professional management turned properties into high-yield, low-effort income sources. He outlines the key advantages of real estate, from strong return...
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3279: [Part 1] Why You Should Invest in Real Estate by ESI on Investment Advice for Retiring Early

September 11, 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 3279: ESI shares how real estate investing transformed his financial life, from acquiring multiple rental units to retiring at 52 without touching his savings. While acknowledging the hassles of property management, he explains how the rewards, steady income, appreciation, an...
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3278: 5 Personal Finance Myths That Could Ruin Your Retirement by Kalen Bruce of Money Mini Blog

September 10, 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 3278: Kalen Bruce unpacks five damaging money myths that sabotage retirement plans, like believing a high income ensures future savings or that investing is only for finance experts. He urges readers to rethink their strategy by starting small, learning the basics of investin...
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3277: How to Get Your Spouse on Board with Early Retirement by Jill with Mad Fientist on Financial Independence

September 9, 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 3277: Jill reflects on the emotional and relational shifts that occur when one partner retires early while the other continues working. She shares candid lessons about identity, expectations, and creating new rhythms together, offering perspective for couples navigating diffe...
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3276: How to Find a Contractor: It’s Not Just About Price by J.D. Roth of Get Rich Slowly on Frugality and Home Ownership

September 8, 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 3276: J.D. Roth emphasizes that choosing the right contractor is about much more than just price, it’s about trust, communication, and understanding your needs. Through personal stories of home repairs and remodels, he shows how asking the right questions, comparing bids, and...
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