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 3144: Robert Farrington unpacks how personal accountability is the ultimate driver of financial success, highlighting that it's not just about numbers, it's about owning every financial decision and its consequences. By outlining five progressive levels of accountability, he offers a roadmap to build lasting habits that lead to financial clarity, control, and long-term stability. Read along with the original article(s) here: https://thecollegeinvestor.com/6521/single-important-trait-defines-personal-finance-success/ Quotes to ponder: "Accountable people don't have excuses. They have solutions." "Without full knowledge of what you have and what you spend, you cannot make sound financial decisions." "Every action has a consequence, but to be accountable, you need to realize the biggest consequence of all." Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3143: ESI breaks down the path to financial independence using a simple scale to evaluate your earning, saving, and investing skills, from disaster to excellent. He argues that success in one area can't compensate for failure in another, and that most people should aim for excellence in earning or saving, since investing is rarely a true strong suit. His insights reveal how balanced, realistic self-assessment can accelerate your journey to FI. Read along with the original article(s) here: https://esimoney.com/working-esi-scale-financial-independence/ Quotes to ponder: "There are almost as many ways to hit FI as there are moves in a chess match." "To reach FI at any reasonable age, you need to be at least neutral on all of them." "I don’t think anyone is excellent at investing. I think 'good' is about all most of us can strive for realistically." Episode references: The Bogleheads’ Guide to Investing: https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283 Learn more about your ad choices. Visit megaphone.fm/adchoices

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’t a strategy when it comes to building a secure, lasting retirement. Read along with the original article(s) here: https://eggstack.com/blog/2021-12-05-Your-Retirement-Checklist/ Quotes to ponder: "Retiring is a little like traveling to Mars. If there’s not enough fuel in the tank, you’re going to get stuck there." "The biggest favor you will ever do yourself is to get a 15-year mortgage." "You need to sit down with a financial advisor or avail yourself to sophisticated retirement planning software that can analyze your situation and determine how much retirement savings you really need." Episode references: Risk Parity Radio Podcast (Frank Vasquez): https://www.riskparityradio.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3044: Amberly Grant explores the balance between smart financial choices and living a fulfilling life, emphasizing that financial independence should enable joy, not postpone it indefinitely. She shares her own journey, illustrating how embracing adventure and relationships can coexist with responsible planning for the future. Read along with the original article(s) here: https://www.fiology.com/delay-of-gratification/ Quotes to ponder: "Delayed gratification does not mean delayed joy." "The financial independence journey is about learning how to live the life you want, not about racing to a magic bank account balance." "If I say no to opportunities as rewarding as this, I wouldn’t be supporting my true self." Episode references: I Will Teach You to Be Rich by Ramit Sethi: https://www.amazon.com/I-Will-Teach-You-Rich/dp/1523505745 EconoMe Conference: https://economeconference.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike Ballew of Eggstack shares the case for and against umbrella insurance Episode 2144: The Case For and Against Umbrella Insurance by Mike Ballew Mike Ballew is a 56-year-old engineer turned blogger who reached a point in life where he sees things more clearly than ever before. He faced financial challenges and overcame them through hard work and determination. His blog helps others navigate their personal finances and plan for retirement. The original post is located here: https://eggstack.com/blog/2022-07-03-The-Case-For-and-Against-Umbrella-Insurance/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor with PT Money talks about whether you should repair or replace your aging car. This is part 2 of 2. Episode 2143: [Part 2] Your Aging Car: Repair or Replace? By Philip Taylor 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/repair-or-replace-car/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor with PT Money talks about whether you should repair or replace your aging car. This is part 1 of 2. Episode 2142: [Part 1] Your Aging Car: Repair or Replace? By Philip Taylor 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/repair-or-replace-car/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J.D. Roth of Get Rich Slowly helps you cope with financial mistakes and setbacks Episode 2141: Don’t Panic! Coping With Financial Mistakes and Setbacks by JD Roth 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/dont-panic-coping-with-financial-mistakes-and-setbacks/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Christina Browning of Our Rich Journey tells you what to do before retiring abroad Episode 2140: Want to Retire Early Abroad? Do These 10 Things First by Christina Browning Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you’re interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/post/want-to-retire-early-abroad-do-these-10-things-first   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Lisa Merlo-Booth on finding yourself again or perhaps for the first time. Episode 2139: Finding Yourself Again (or Perhaps for the First Time) by Lisa Merlo-Booth Lisa Merlo-Booth is a straight-talking and highly effective relationship expert, speaker, and blogger. She has over twenty years of experience in the field of therapy and relationship coaching and a thriving private practice with a client base of individuals and couples spanning the United States and Europe. Lisa is widely known for her straight talk on women, and for her emphasis on teaching women to stop responding in the extremes (silencing or exploding) and, instead, to affect change in a way that is grounded, respectful, and strong. This highly effective approach to communication is about speaking from Grounded Powerful Strength (GPS) rather than the extremes of meekness or aggression. The original post is located here: https://lisamerlobooth.com/findingyourself/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

The Mad Fientist on specific identification of shares. Episode 2138: Specific Identification of Shares by The Mad Fientist The Mad Fientist analyzes the tax code and looks at personal finance through the lens of early financial independence to develop strategies and tactics to help you retire even earlier. Most personal finance advice is geared towards people retiring in their 60s or later and doesn’t apply to those of us pursuing early financial independence. The Mad Fientist is focused on providing advice and innovative tax-avoidance methods specifically for people wanting to break away from full-time employment very early in life. He also hosts the Financial Independence Podcast. The original post is located here: https://www.madfientist.com/specific-share-identification/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Vaughan with The Finance Twins talks about 5 ways college students can revitalize their finances Episode 2137: 5 Ways College Students Can Revitalize Their Finances by Rachel Vaughan 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/5-ways-college-students-revitalize-finances/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kumiko of The Budget Mom shares 6 reusable products that save her money Episode 2136: 6 Reusable Products That Save Me Money by Kumiko 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/6-reusable-products-that-save-me-money/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Julien Saunders of Rich and Regular talks about the fallacy of homeownership Episode 2135: The Fallacy of Homeownership by Julien Saunders Julien and Kiersten started rich & REGULAR in 2017 after their stint in real estate investing led them to discover the F.I.R.E movement. At that point, they'd listened to their friends complain about doing everything right, and still not really "feeling" happy with the financial progress they'd made. Their blog became a place where they not only shared in their frustrations, but offered solutions to a richer and happier life. They could not have imagined that just a few years later, they would sign a book deal with the world's largest publisher, Penguin Random House. But that's not all. Their blog has afforded them opportunities to work with incredible brands, world-class media and into the fast-paced world of digital entrepreneurship. The original post is located here: https://richandregular.com/the-fallacy-of-homeownership/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3043: Lisa Harrison shares how embracing the dollar store has helped her save money on everyday essentials without compromising on value. Her story is a reminder that financial savviness isn’t about where you shop, but how wisely you spend, regardless of what others might think. Read along with the original article(s) here: https://madmoneymonster.com/2021/07/12/why-i-love-shopping-at-the-dollar-store/ Quotes to ponder: "I mean, if it’s good enough for someone who used to call 1600 Pennsylvania Avenue home, it’s certainly good enough for me and you." "Seriously, people need to get over themselves and simply save a buck wherever and whenever they can." "After all, you really shouldn’t care where you buy your toilet paper or pool noodle. I certainly don’t." Learn more about your ad choices. Visit megaphone.fm/adchoices

Shailesh Kumar of Good Financial Cents shares when you should use margin when investing Episode 2134: When Should You Use Margin When Investing? By Shailesh Kumar Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/when-should-you-use-margin-when-investing/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kathleen Coxwell of NewRetirement shares why a Roth conversion or backdoor Roth IRA is a good idea right now Episode 2133: Why a Roth Conversion or Backdoor Roth IRA is a Good Idea Right Now by Kathleen Coxwell NewRetirement is a company that offers a comprehensive financial planning engine delivered via white label or API. NewRetirement delivers a combination of automated financial planning technology and educational services focused on bringing financial wellness to the mass market in customizable ways. They want to help anyone get confident and achieve financial independence so they can make the most of their money and time. The original post is located here: https://www.newretirement.com/retirement/roth-conversion-backdoor-roth-ira-2/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Joel of 5AM Joel talks about the downsides of owning real estate Episode 2132: The Downsides to Owning Out of State Rental Properties by Joel of 5AM Joel 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: https://5amjoel.com/downsides-out-of-state-rental-properties/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ross Enamait of Ross Training talks about creating a home gym Episode 2131: Creating A Home Gym by Ross Enamait Founded by Ross Enamait, RossTraining.com is dedicated to excellence and innovations in high performance conditioning, strength, and athletic development. His goal with the site is to provide a content-rich resource to assist with your development. As a long time trainer and boxing coach, Ross has dedicated his life to the development and improvement of athletes. He has been in business for over 15 years and has helped numerous athletes succeed at the world class level. It is his career and obsession. The original post is located here: http://rosstraining.com/blog/2014/01/29/creating-a-home-gym/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mr. Finer shares two short posts covering why we shy away from investing and the current recession Episode 2130: 2 Reasons We Shy Away From Investing AND The Government Got the Recession it Wanted By Mr. Finer Mr. Finer is a normal salaried employee who achieved FI with no side hustle or other income sources. After spending a decade without any plan, he started pursuing FI in his 30s, and achieved it at 40. He created his blog to share experiences, mistakes, successes, benefits, positives, and negatives from his journey. The original posts are located here: https://mrfiner.com/two-reasons-we-shy-away-from-investing-money-and-what-to-do-about-it/ & https://mrfiner.com/the-government-got-the-recession-it-wanted-now-what/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeremy Jacobson of Go Curry Cracker talks about mortgages, home equity and retirement spending Episode 2129: Mortgages, Home Equity, and Retirement Spending by Jeremy Jacobson Winnie Tseng is from Taiwan and is the Go Curry Cracker resident photographer. After working in high tech, she found her real love making magic happen behind the camera and in the kitchen. Now she travels the world in search of new flavors and images. Jeremy Jacobson is from the United States and is the Go Curry Cracker blog writer. His love of learning and adventure make permanent travel the ideal lifestyle. The original post is located here: https://www.gocurrycracker.com/mortgages-home-equity-and-retirement-spending/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Helene Massicotte of Free To Pursue talks about a bank roll vs. being bank rolled Episode 2128: Bank Roll Vs. Bank Rolled by Helene Massicotte Helene Massicotte blogs about living life on your terms and experiencing true personal freedom. She describes herself as a person in search of all that life has to offer and who has built a life that enables her to do just that. No more, no less. She chose to retire from corporate life in her mid-thirties because it wasn't in line with what she wanted anymore. The original post is located here: http://www.freetopursue.com/blog/2018/1/24/bank-roll-vs-bankrolled   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about relying on credit cards for your emergency fund Episode 2127: Should You Rely On Credit Cards For Your Emergency Fund? By Michelle Schroeder-Gardner 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/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ramit Sethi of I Will Teach You To Be Rich shares examples of big wins and why you need to focus on them. This is Part 2 of 2. Episode 2126: [Part 2] The Big Wins Manifesto by Ramit Sethi Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/the-big-wins-manifesto  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ramit Sethi of I Will Teach You To Be Rich shares examples of big wins and why you need to focus on them. This is Part 1 of 2. Episode 2125: [Part 1] The Big Wins Manifesto by Ramit Sethi Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/the-big-wins-manifesto  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3042: How do we know if our reality is the true one? Steve Pavlina explores the nature of subjective and objective reality, challenging us to question our perceptions and consider alternative viewpoints. By examining how beliefs shape our experiences, he invites us to expand our awareness and take greater control over our personal growth. Read along with the original article(s) here: https://www.stevepavlina.com/blog/2005/03/my-reality-or-yours/ Quotes to ponder: "My reality is the one that makes the most sense to me, but that doesn’t mean it’s the only reality." "If you assume reality is objective, you’ll seek truth by trying to eliminate perceptual biases. If you assume reality is subjective, you’ll seek truth by aligning your thoughts with your desires." "Perhaps the most intelligent choice is not to rigidly lock onto a single model of reality but to consciously select the model that best serves us in each moment." Learn more about your ad choices. Visit megaphone.fm/adchoices

April Dykman with Get Rich Slowly reminds you that all value is perceived value Episode 2124: All Value is Perceived Value by April Dykman 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/all-value-is-perceived-value/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mia of She Dreams All Day shares how to find your passion in life. Episode 2123: How To Find Your Passion In Life by Mia of She Dreams All Day She Dreams All Day is a personal development and productivity blog designed to help you achieve your biggest goals and your wildest dreams. Created by Mia, a constant creative dreamer, now out to help other dreamers. The original post is located here: https://shedreamsallday.com/how-to-find-your-passion-in-life/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jacob Lund Fisker of Early Retirement Extreme shares his thoughts on being a stranger in a strange land. Episode 2122: Stranger In A Strange Land by Jacob Lund Fisker Jacob Lund Fisker was a nuclear astrophysicist who retired at 33 with what he believes to be enough savings to last the rest of his life — even if he never works again. His "claim to fame" is the Early Retirement Extreme site, which is effectively a philosophy of life. ERE is a set of values and principles that gives readers the freedom and opportunity to live an exciting and interesting life. The original post is located here: http://earlyretirementextreme.com/stranger-in-a-strange-land.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Erik Carter with Financial Finesse talks about essential financial protections Episode 2121: Do You Have These Essential Financial Protections in Place? By Erik Carter After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor’s. This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce. They’ve helped hundreds of thousands of employees change their lives. The original post is located here: https://www.financialfinesse.com/2012/12/20/do-you-have-these-basic-financial-protections-in-place/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money talks about his worst money mistakes Episode 2120: My Worst Money Mistakes by ESI ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there. The original post is located here: https://esimoney.com/my-worst-money-mistakes/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

J. Money of Budgets Are Sexy shares 6 ways to turbocharge your savings Episode 2119: 6 Ways to Turbocharge Your Savings by J. Money J. Money is a 6’1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys. He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance blogging and idea sharing, randomly turning BudgetsAreSexy.com into his full time “real job” a few short years later--14 million views later! The original post is located here: https://budgetsaresexy.com/6-ways-to-turbocharge-your-savings/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

JT McGee with The College Investor talks about REITs and Agency Mortgages Episode 2118: Cash Flow Investments: REITs and Agency Mortgages by JT McGee Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults. The original post is located here: https://thecollegeinvestor.com/3589/cash-flow-investments-reits-agency-mortgages/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Craig Stephens of Retire Before Dad talks about the greatest risk to his retirement goal. This is part 2 of 2. Episode 2117: [Part 2] The Greatest Risk To My Retirement Goal by Craig Stephens Craig Stephens of Retire Before Dad is a 43-year-old IT professional, investor, and blogger based in the Washington, DC metro area. His primary financial goal is to retire at age 55, one year before his Dad retired. He writes about how to build income streams so you can explore the unusual. His first love is his beautiful wife and three kids. His second love is travel. Combining both in early retirement is the ultimate goal and his primary motivation for financial independence. The original post is located here: https://www.retirebeforedad.com/greatest-risk-to-retirement-goal/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Craig Stephens of Retire Before Dad talks about the greatest risk to his retirement goal. This is part 1 of 2. Episode 2116: [Part 1] The Greatest Risk To My Retirement Goal by Craig Stephens Craig Stephens of Retire Before Dad is a 43-year-old IT professional, investor, and blogger based in the Washington, DC metro area. His primary financial goal is to retire at age 55, one year before his Dad retired. He writes about how to build income streams so you can explore the unusual. His first love is his beautiful wife and three kids. His second love is travel. Combining both in early retirement is the ultimate goal and his primary motivation for financial independence. The original post is located here: https://www.retirebeforedad.com/greatest-risk-to-retirement-goal/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Zoe Kim with No Sidebar shares 6 ways to sway your family into a life of minimalism. Episode 2115: 6 Ways to Sway Your Family Into a Life of Minimalism by Zoe Kim No Sidebar was created by Brian Gardner and is all about designing a simpler life. He and the contributing authors want to help you figure out what's getting in your way, at home and at work. They want to help you let go of distractions, online and off–to turn down the noise that disrupts the quiet of your heart and soul. The original post is located here: https://nosidebar.com/life-of-minimalism/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3041: Simon Zhen applies Sun Tzu’s Art of War to the fight for financial independence, offering timeless wisdom on how to aggressively eliminate debt and defend yourself against its return. From avoiding prolonged struggles with interest to maintaining a strong offense, these war tactics provide a blueprint for achieving lasting financial freedom. Read along with the original article(s) here: https://www.financialsamurai.com/sun-tzus-art-of-war-applied-to-your-battle-against-debt/ Quotes to ponder: "Every battle is won before it is ever fought." "There is no instance of a country having benefited from prolonged warfare. In war, then, let your great object be victory, not lengthy campaigns." "If you know the enemy and know yourself, you need not fear the result of a hundred battles." Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Pavlina shares a simple abundance mini-challenge. Episode 2114: A Simple Abundance Mini-Challenge by Steve Pavlina Steve Pavlina is widely recognized as one of the most successful personal development bloggers on the Internet, with his work attracting more than 100 million visits to his website, StevePavlina.com. He has written more than 1300 articles and recorded many audio programs on a broad range of self-help topics, including productivity, relationships, and spirituality. Steve has been quoted as an expert by the New York Times, USA Today, U.S. News & World Report, the Los Angeles Daily News, Self Magazine, The Guardian, and countless other publications. He's also a frequent guest on popular podcasts and radio shows. The original post is located here: https://www.stevepavlina.com/blog/2018/06/a-simple-abundance-mini-challenge/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jen Hayes wishes you a frugal Christmas Episode 2113: Have Yourself a Frugal Little Christmas by Jen Hayes 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/have-yourself-frugal-little-christmas/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jackie Beck warns you of a common credit card mistake Episode 2112: Could You Be Making This Super-Common Credit Card Mistake? By Jackie Beck Jackie and her husband paid off over $147,000 in debt, including their house! She’s walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been featured in Oprah Magazine, MarketWatch, Forbes, CNBC, and more. The original post is located here: https://www.jackiebeck.com/common-credit-card-mistakes/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kalen Bruce of Money Mini Blog shares 4 types of insurance you should consider Episode 2111: 4 Types of Insurance You Should Consider by Kalen Bruce Kalen Bruce is the founder of MoneyMiniBlog. His story is simple… he and his wife were $24,000 in debt and became a student of finances to get out. They are now debt-free and building wealth. Kalen shares everything he has learned on his blog, writing informative, entertaining, mini blogs to help you with your finances. Finances can be intimidating, so he keeps his posts short, sweet, and simple. The original post is located here: https://moneyminiblog.com/insurance/types-of-insurance/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam of Financial Samurai talks about what to do if the money runs out Episode 2110: Taking Money For Granted: What To Do If The Money Runs Out? By Sam Dogen Sam Dogen's net worth took a beating in 2009 as the world was falling apart. He thought it would be a good idea to start a personal finance site to help himself and others make sense of chaos. After all, he had spent 10 years working in the finance industry, got his MBA from Cal, invested and saved aggressively, and still got financially rocked! Since then, more than 20 million visitors have stopped by FinancialSamurai.com. The original post is located here: https://www.financialsamurai.com/taking-money-for-granted/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Julien Saunders of Rich and Regular talks about how basic knife skills can save you money Episode 2109: How Basic Knife Skills Can Save You Money by Julien Saunders Julien and Kiersten started rich & REGULAR in 2017 after their stint in real estate investing led them to discover the F.I.R.E movement. At that point, they'd listened to their friends complain about doing everything right, and still not really "feeling" happy with the financial progress they'd made. Their blog became a place where they not only shared in their frustrations, but offered solutions to a richer and happier life. They could not have imagined that just a few years later, they would sign a book deal with the world's largest publisher, Penguin Random House. But that's not all. Their blog has afforded them opportunities to work with incredible brands, world-class media and into the fast-paced world of digital entrepreneurship. The original post is located here: https://richandregular.com/how-basic-knife-skills-can-save-you-money/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan Larson of First Line Fin talks about savings strategies Episode 2108: Savings Strategies by Ryan Larson Ryan Larson is the principal Investment Advisor Representative and Founder of FirstLine Financial, LLC located in Scottsdale, Arizona. Ryan recognizes the importance of growing and preserving the assets accumulated for retirement and the need for reallocating those assets in transition from the working years to the retirement years. Focused on the unique needs of retirees and transitioning Boomers, Ryan employs a host of time-tested strategies utilizing both securities and insurance offerings. Ryan’s personal mission is to protect one’s life savings from unnecessary risks from market fluctuations and avoid fees and when ever possible, create tax efficiencies. The original post is located here: https://firstlinefin.com/savings-strategies/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Beth Wittig Clayton with Mark Fisher Fitness helps you to stop sabotaging yourself Episode 2107: How to Avoid Sabotaging Yourself (To Be Accepted) by Beth Wittig Clayton Mark Fisher Fitness helps people who hate gyms find a fitness home they actually love. They offer classes, semi-private training, and six week transformation programs. Whether you've tried everything and never found a love match, or never even been to a gym at all, look no further. The original post is located here: https://markfisherfitness.com/how-to-avoid-sabotaging-yourself-to-be-accepted/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Reining shares where to invest after maxing out retirement accounts. Episode 2106: Where Do I Invest After Maxing Out Retirement Accounts? by Chris Reining Chris Reining is an investor, writer, and avid student of life. He shares how to build wealth and reach financial freedom on his website ChrisReining.com. The original post is located here: https://chrisreining.com/where-do-i-invest-after-maxing-out-retirement-accounts/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Miranda Marquit of Good Financial Cents compares a HELOC to a second mortgage Episode 2105: Should You Do a HELOC or a Second Mortgage? By Miranda Marquit Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/should-you-do-a-heloc-or-a-second-mortgage/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3040: A Purple Life argues that pursuing financial independence is the wimpy way out, allowing people to build an impenetrable safety net before taking any leaps. By carefully structuring each transition from remote work to downsizing to local nomadism the journey to early retirement becomes a series of calculated baby steps rather than a daring plunge. Read along with the original article(s) here: https://apurplelife.com/2020/08/25/fire-is-for-wimps/ Quotes to ponder: “We build an adamantium safety net and THEN jump. We are literally the wimpiest people ever.” “Instead of quitting our corporate job to pursue our passions through entrepreneurship or live the exact life we dream of from Day 1, we don’t just do it. We don’t just take that leap.” “I created the best life I could and then figured out how I could inchworm my way towards my post-career life.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Sean Mullaney of FI Tax Guy shares FIRE tax strategies for beginners. This is part 2 of 2. Episode 2104: [Part 2] FIRE Tax Strategies For Beginners by Sean Mullaney Sean Mullaney is a financial planner and the President of Mullaney Financial & Tax, Inc. Mullaney Financial & Tax, Inc. offers fiduciary, fee-only, hourly, and advice-only financial planning. Sean established Mullaney Financial & Tax, Inc. after a lengthy career in public accounting. He worked in the tax departments of both Deloitte & Touche and PwC, including over 6 years in PwC’s Washington National Tax Services practice. Sean is a Certified Public Accountant licensed in California and Virginia. He is a member of the American Institute of Certified Public Accountants and an associate member of the National Association of Personal Financial Advisors. Sean has degrees in accounting, law, and taxation and a certificate in financial planning.  The original post is located here: https://fitaxguy.com/top-four-tax-moves-for-financial-independence-beginners/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sean Mullaney of FI Tax Guy shares FIRE tax strategies for beginners. This is part 1 of 2. Episode 2103: [Part 1] FIRE Tax Strategies For Beginners by Sean Mullaney Sean Mullaney is a financial planner and the President of Mullaney Financial & Tax, Inc. Mullaney Financial & Tax, Inc. offers fiduciary, fee-only, hourly, and advice-only financial planning. Sean established Mullaney Financial & Tax, Inc. after a lengthy career in public accounting. He worked in the tax departments of both Deloitte & Touche and PwC, including over 6 years in PwC’s Washington National Tax Services practice. Sean is a Certified Public Accountant licensed in California and Virginia. He is a member of the American Institute of Certified Public Accountants and an associate member of the National Association of Personal Financial Advisors. Sean has degrees in accounting, law, and taxation and a certificate in financial planning.  The original post is located here: https://fitaxguy.com/top-four-tax-moves-for-financial-independence-beginners/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices