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

3415: [Part 1] What Are The Costs Of Working? by Marjolein Dilven of Radical FIRE on Hidden Work Expenses

January 8, 2026 • 7 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 3415: Marjolein Dilven reveals the hidden financial drain of maintaining a job, from commuting expenses to wardrobe updates and higher taxes. By unpacking both direct and indirect work-related costs, she empowers readers to rethink their true take-home pay and consider the po...
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3414: Five Steps to Begin Saving for Retirement in Your Twenties by Tiffany Aliche of The Budgetnista on Simple Retirement Prep

January 7, 2026 • 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 3414: Tiffany Aliche lays out five straightforward steps to help 20-somethings take control of their financial future, without sacrificing enjoyment in the present. By focusing on smart habits like maxing out 401k matches, avoiding bad debt, and setting realistic savings goal...
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3413: Beware the Frivolous Purchase Threshold by Chris of Keep Thrifty on Controlling Impulse Spending

January 6, 2026 • 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 3413: Chris unpacks the hidden psychology behind everyday spending and reveals how the “Frivolous Purchase Threshold” tricks us into justifying impulse buys. With practical, mindset-shifting tips, this piece empowers you to realign spending with your goals and escape the trap...
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3412: Older and Don’t Have a Retirement Plan? Do This by Christina Browning of Our Rich Journey on Future Savings

January 5, 2026 • 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 3412: Christina Browning offers a realistic yet hopeful roadmap for those in their 40s, 50s, or 60s who haven’t started saving for retirement. By focusing on smart budgeting, strategic investing, income awareness, and practical lifestyle changes, she shows how late starters c...
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3411: Are Home Warranties Worth It? by Mike Ballew of EggStack on Evaluating Home Coverage

January 4, 2026 • 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 3411: Mike Ballew explains why home warranties are often a poor financial decision, describing them as overpriced plans for predictable expenses rather than true insurance. He makes a compelling case for self-insurance, urging homeowners to save strategically instead of relyi...
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3410: In a Workout Slump!? Here are Some Great Tips to Get Motivated Again! by Chalene Johnson on Boosting Motivation

January 4, 2026 • 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 3410: Struggling to get back into a fitness routine? Chalene shares simple, realistic tips to break through workout slumps, like using alarms, pump-up playlists, and the “five-minute” rule, to rebuild momentum and motivation. These powerful strategies don’t just apply to exer...
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3409: How We Began to Slash Our Budget by Amanda Brownlow of Hello Brownlow on Managing Family Expenses

January 3, 2026 • 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 3409: Amanda Brownlow shares the practical and personal journey she and her husband took to slash nearly $1,000 from their monthly spending, despite starting off with no budgeting experience. By swapping luxury for value, like ditching cable, using cash envelopes, and masteri...
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3408: Trading Games by Nick Maggiulli of Of Dollars and Data on Smart Trading Strategy

January 2, 2026 • 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 3408: Nick Maggiulli unpacks the rise and downfall of Atlas Trading, a group of financial influencers charged with running a $100 million pump-and-dump scheme. Through this cautionary tale, and a parallel story of extreme legal risk-taking, he exposes the dangerous allure of ...
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3407: 6 Ways to Fix Your Finances and Resuscitate Your DOA Money Situation by Mikey Rox on Financial Recovery Steps

January 1, 2026 • 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 3407: Mikey Rox lays out six practical, no-nonsense strategies to help you take back control of your finances, from ditching impulsive spending to identifying hidden subscription drains. With expert insights from voices like Jeff Kreisler and Logan Abbott, this guide empowers...
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3406: How To Teach A Curious Friend About Financial Independence by A Purple Life on Introducing Financial Freedom

December 31, 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 3406: A Purple Life shares her simple yet powerful approach to guiding friends through the path to financial independence. By letting curiosity lead the conversation, encouraging preparation, and offering gentle follow-ups, she shows how to make meaningful financial change fe...
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3405: [Part 2] The Greatest Risk To My Retirement Goal by Craig Stephens of Retire Before Dad on Securing Your Future

December 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 3405: Craig Stephens breaks down the future costs of college for his three children and how these projections impact his retirement timeline. With detailed modeling, realistic assumptions, and a surprise family update, he explores the financial trade-offs between saving for e...
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3404: [Part 1] The Greatest Risk To My Retirement Goal by Craig Stephens of Retire Before Dad on Securing Your Future

December 29, 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 3404: Craig Stephens reflects on his ambitious plan to retire by age 55, beating his father by one year, and the financial realities that threaten that goal. With his children’s college expenses looming in the same year as his intended retirement, he explores the deep impact ...
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3403: 5 Things to Consider Before Making a Purchase by Dan Erickson with No Sidebar on Reducing Impulse Buys

December 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 3403: Dan Erickson shares five thoughtful strategies to help curb impulsive spending by encouraging a shift from emotional wants to practical needs. His advice empowers listeners to slow down, reflect on true priorities, and make purchasing decisions with greater clarity and ...
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3402: In Defense of the Worry Warts by Greg Audino on Embracing Anxiety Traits

December 28, 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 3402: Greg Audino offers a nuanced counterpoint to Wayne Dyer’s popular philosophy that worry is always unnecessary. By exploring the modern gray area between what we can and can’t control, Audino validates the emotional experience of striving in uncertain situations and emph...
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3401: If You Want to Make Good Money Decisions, There Is A Simple - if Unconventional - Way to Make Them by Charlie Brown

December 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 3401: Charlie Brown explores how questioning mainstream financial advice, rather than blindly following norms, is the key to making empowered, informed money decisions. By urging us to challenge our sources, biases, and societal expectations, Brown invites listeners to consid...
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3400: How Much of Personal Finance is Luck? By Jen Hayes on Fortune in Finance

December 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 3400: Jen Hayes challenges the bootstraps-only narrative in personal finance by exploring the quiet power of luck in shaping financial outcomes. Through personal stories and relatable examples, she shows how chance events, both good and bad, can shape our financial paths, whi...
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3399: Estate Planning 101 by Jesse Cramer of Best Interest on Planning Future Assets

December 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 3399: Jesse Cramer breaks down the essentials of estate planning with clarity and a touch of humor, demystifying a topic many avoid until it’s too late. Learn how to protect your loved ones, reduce tax burdens, and ensure your assets are handled exactly the way you want, no m...
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3398: What is Financial Literacy? by Jake Wengroff with I Will Teach You To Be Rich on Essential Finance Skills

December 24, 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 3398: Jake Wengroff lays out a clear, actionable approach to mastering your money by shifting how you think about it, no spreadsheets, no stock-picking stress, just smart systems and mindset shifts. Drawing from Ramit Sethi’s five-step method, this guide helps you automate yo...
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3397: 3 Tips for Paying Off Debt in Collections by Kumiko of The Budget Mom on Practical Debt Solutions

December 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 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could pro...
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3396: [Part 2] How To Build A Compounding Machine by Barney of The Escape Artist on Long-Term Wealth

December 22, 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 3396: Barney illustrates how building wealth can be simple, even lazy, if you master the power of compounding. By focusing on high savings rates, starting early, and investing consistently in low-cost index funds, you can create a compounding machine that does most of the hea...
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