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

3137: Preferred vs Common Stocks: How Do They Differ by Amy Blacklock and Vicki Cook with Women Who Money

May 10, 2025 • 13 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 3137: Amy Blacklock and Vicki Cook explain the key differences between common and preferred stocks, offering clarity on how each type fits distinct investment goals. While common stocks offer growth and voting rights, preferred stocks provide consistent income and greater cla...

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3136: Bankruptcy and Debt: You Can Come Out Stronger in the End by Tracie with Jackie Beck

May 9, 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 3136: Tracie shares her deeply personal journey from bankruptcy to financial freedom, offering a raw, relatable look at the emotional toll of debt and the power of persistence. By embracing budgeting, ditching credit cards, and staying committed alongside her husband, she pro...

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3135: Do What You Hate to Do What You Love by Chris Reining on Financial Independence

May 8, 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 3135: Chris Reining challenges the popular career advice to "do what you love" by showing how it's often wiser, and more sustainable, to do what you hate so that you can eventually afford the freedom to pursue what you love. With humor and insight, he illustrates how financia...

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3134: Your Retirement Checklist by Mike Ballew of Egg Stack on Financial Freedom and Money Goals

May 7, 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 3134: Mike Ballew delivers a no-nonsense breakdown of the essential financial and logistical steps to take before retiring, from ditching debt and adjusting investments to creating an end-of-life plan. His straight-talking approach helps listeners understand why guessing isn’...

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3133: How Does Mental Health Affect Your Financial Health by Lyle Soloman with Fiology

May 6, 2025 • 14 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 3133: Lyle Soloman explores the deep, often overlooked connection between mental well-being and financial stability, revealing how issues like depression, anxiety, and low self-esteem can lead to impulsive spending, financial neglect, and mounting debt. By identifying pattern...

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3132: [Part 2] Save Money Where It Matters Most by Corey of The Fioneers on Financial Focus

May 5, 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 3132: Corey from The Fioneers emphasizes the importance of focusing on the "big three" expenses, housing, transportation, and food, to meaningfully boost savings without losing balance in life. By simplifying your financial focus, you gain more mental space to design a fulfil...

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3131: [Part 1] Save Money Where It Matters Most by Corey of The Fioneers on Financial Independence

May 4, 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 3131: Corey of The Fioneers breaks down how focusing on the “big three” expenses, housing, transportation, and food, can dramatically improve your financial flexibility and fast-track your path to financial independence. With real-life examples and a mindset rooted in value o...

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3130: How to Communicate With Your Partner When You Disagree by Corey Allan on Money Disagreements

May 4, 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 3130: Corey Allan explores practical ways couples can navigate disagreements without damaging their connection, especially when core values or lifestyle changes like minimalism are at stake. Drawing on insights from marital research, he outlines respectful communication strat...

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3129: What Does Zero Percent APR Really Mean? by Jamie Cattanach on Wealth Building Habits

May 3, 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 3129: Jamie Cattanach breaks down the truth behind enticing 0% APR credit card offers, revealing how easily they can turn into a debt trap if you’re not careful. By understanding the fine print and developing disciplined repayment habits, you can use these promotions strategi...

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3128: How To Adopt Financial Habits That Stick by Mark Dennis with Financial Finesse on Money Freedom

May 2, 2025 • 13 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 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science an...

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3127: How To Get Your Money Out Of Your 401K Before 59 1/2 by Wanderer of Millennial Revolution

May 1, 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 3127: Wanderer breaks down how to access your 401(k) funds before age 59½ without paying penalties, using a strategy called the Roth Conversion Ladder. By carefully rolling over 401(k) funds into a Traditional IRA and then converting to a Roth IRA within tax-free limits each ...

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3126: 5 Reasons Ditching FIRE For FIOR Might Be Your Best Financial Move by Lisa Harrison of Mad Money Monster

April 30, 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 3126: Lisa Harrison introduces FIOR, Financial Independence/Optional Retirement, as a flexible alternative to traditional FIRE, offering a more realistic and enjoyable path toward financial security without the pressure of extreme frugality or early retirement. Her approach e...

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3125: Top 5 Non-Medical Factors That Affect Your Life Insurance Rates by Jeff Root with Good Financial Cents

April 29, 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 3125: Jeff Rose highlights five often-overlooked non-medical factors that can significantly influence your life insurance premiums, offering practical advice to help you better position yourself for affordable coverage. Understanding these variables empowers you to make smart...

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3124: The Zero Cost Lifestyle by Tynan on Intentional Living and Extreme Frugality

April 28, 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 3124: Tynan breaks down how intentional, creative decision-making can fund a fulfilling life at a fraction of the expected cost. By rethinking needs and eliminating unnecessary spending, he designs a lifestyle supported by minimal income but filled with freedom, autonomy, and a...

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3123: The Key To Happiness Is Saving More Not Making More Money by Sam Dogen of Financial Samurai

April 27, 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 3123: Sam from Financial Samurai argues that true happiness stems more from how much we save than how much we earn. Backed by compelling survey data and personal anecdotes, he illustrates how saving creates peace of mind, freedom, and long-term satisfaction, far outweighing the...

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3122: Find Out For Yourself by Ross Enamait of Ross Training on Extreme Ownership

April 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 3122: Ross Enamait challenges the culture of passively consuming advice by urging readers to test ideas for themselves, embrace trial and error, and trust personal experience over hearsay. His no-nonsense approach empowers individuals to take ownership of their growth, both phy...

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3121: The Hidden Wealth Opportunity by Gordon Stein on Saving Money and Personal Growth

April 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 3121: Gordon Stein shares a powerful personal story of turning a naïve rental mistake into a hands-on education in home construction, gaining invaluable trade skills that paid dividends for decades. His experience reveals how a mindset of curiosity and learning can transform se...

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3120: Debt Can Be A Good Thing - In Moderation by Paula Pant of Afford Anything on Financial Freedom

April 25, 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 3120: Paula Pant challenges extreme attitudes toward debt, showing how both blind borrowing and rigid debt aversion can hurt your financial future. With a nuanced perspective, she explores how strategic debt, particularly in education, can lead to massive returns, but only if y...

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3119: If You’re Going To Bet Big Bet On Yourself First by Kevin of Financial Panther on Building Wealth

April 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 3119: Kevin from Financial Panther challenges the flashy narratives of quick wealth by highlighting the true value of betting big on yourself. Through honest reflections on career pivots, sunk costs, and slow-building success, he reminds us that long-term, self-driven investmen...

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3118: How Saving Money Cost Me Money by Kristin Wong with Get Rich Slowly on Budgeting

April 23, 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 3118: Kristin Wong shares a cautionary tale about how obsessive saving can backfire, highlighting how unrealistic budgeting and neglecting real-life spending patterns led her to rack up overdraft fees and lose peace of mind. Her journey emphasizes that true financial growth com...

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Optimal Finance Daily - Financial Independence and Money Advice

Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}3137: Preferred vs Common Stocks: How Do They Differ by Amy Blacklock and Vicki Cook with Women Who Money

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}3136: Bankruptcy and Debt: You Can Come Out Stronger in the End by Tracie with Jackie Beck

3135: Do What You Hate to Do What You Love by Chris Reining on Financial Independence

3134: Your Retirement Checklist by Mike Ballew of Egg Stack on Financial Freedom and Money Goals

3133: How Does Mental Health Affect Your Financial Health by Lyle Soloman with Fiology

3132: [Part 2] Save Money Where It Matters Most by Corey of The Fioneers on Financial Focus

3131: [Part 1] Save Money Where It Matters Most by Corey of The Fioneers on Financial Independence

3130: How to Communicate With Your Partner When You Disagree by Corey Allan on Money Disagreements

3129: What Does Zero Percent APR Really Mean? by Jamie Cattanach on Wealth Building Habits

3128: How To Adopt Financial Habits That Stick by Mark Dennis with Financial Finesse on Money Freedom

3127: How To Get Your Money Out Of Your 401K Before 59 1/2 by Wanderer of Millennial Revolution

3126: 5 Reasons Ditching FIRE For FIOR Might Be Your Best Financial Move by Lisa Harrison of Mad Money Monster

3125: Top 5 Non-Medical Factors That Affect Your Life Insurance Rates by Jeff Root with Good Financial Cents

3124: The Zero Cost Lifestyle by Tynan on Intentional Living and Extreme Frugality

3123: The Key To Happiness Is Saving More Not Making More Money by Sam Dogen of Financial Samurai

3122: Find Out For Yourself by Ross Enamait of Ross Training on Extreme Ownership

3121: The Hidden Wealth Opportunity by Gordon Stein on Saving Money and Personal Growth

3120: Debt Can Be A Good Thing - In Moderation by Paula Pant of Afford Anything on Financial Freedom

3119: If You’re Going To Bet Big Bet On Yourself First by Kevin of Financial Panther on Building Wealth

3118: How Saving Money Cost Me Money by Kristin Wong with Get Rich Slowly on Budgeting

Popular Podcasts

3137: Preferred vs Common Stocks: How Do They Differ by Amy Blacklock and Vicki Cook with Women Who Money

3136: Bankruptcy and Debt: You Can Come Out Stronger in the End by Tracie with Jackie Beck