Optimal Finance Daily - Archive 1 - Episodes 1-300 Only

Marc Chernoff of Marc and Angel shares 11 practical ways to spend your money Episode 1743: 11 Practical Ways to Spend Your Money by Marc Chernoff of Marc And Angel on Spending Wisely & Debt Repayment Marc and Angel Chernoff are professional coaches, full-time students of life, admirers of the human spirit, and have been recognized by Forbes as having “one of the most popular personal development blogs.” Through their blog, book, course and coaching, they’ve spent the past decade writing about and teaching proven strategies for finding lasting happiness, success, love and peace. The site has attracted over 100 million page views and 100 thousand subscribers since its inception in 2006. Their first book, “1,000 Little Things Happy, Successful People Do Differently“ is a focused collection of short, concise tips and reflections on the little things that make a huge difference in our daily lives. It’s available online at: marcandangel.com/book and on Amazon. The original post is located here: https://www.marcanda

ESI of ESI Money provides lessons from millionaires Episode 1742: Lessons from Millionaires by ESI of ESI Money on The Millionaire Next Door & Saving & Investing 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/lessons-from-millionaires/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.adv

FIRECracker of Millennial Revolution tells you how to live life with no regrets Episode 1741: How to Live Life with No Regrets by FIRECracker of Millennial-Revolution on Common Regrets of the Dying FIRECracker is a world-travelling early retiree. She used to live in one of the most expensive cities in Canada, but instead of drowning in debt, she rejected home ownership. What resulted was a 7-figure portfolio, which has allowed her and her husband to retire at 31 and travel the world. Their story has been featured on CBC, the Huffington Post, CNBC, BNN, Business Insider, and Yahoo Finance. To date, it is the most shared story in CBC history and their viral video on CBC's On the Money has garnered 4.5 Million views. The original post is located here: https://www.millennial-revolution.com/freedom/live-life-no-regrets/  Charityvest provides a modern tax-deductible charitable giving account, called a donor-advised fund, to everyone. For no fees on investments in 2022, go to Charityvest.org/ofd  Visit Me Online at

Michelle Schroeder-Gardner of Making Sense of Cents warns you of 7 expenses to never put on your credit card Episode 1740: 7 Expenses To Never Put On A Credit Card by Michelle Schroeder-Gardner of Making Sense of Cents 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/2015/11/expenses-to-never-put-on-a-credit-card-finance-furniture.html  If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn

Andy Hill talks about why increasing your income won't solve your financial problems Episode 1739: Why Increasing Your Income Won't Solve Your Financial Problems by Andy Hill of Marriage, Kids and Money Andy Hill is a husband and father to two awesome (and crazy) kids and they hail from the great state of Michigan. His goal is to give his family the best life possible and strengthen their family tree for generations to come. In 2016, he got so geeked about this topic of young family finance that he decided to start a blog and podcast about it. It began as a hobby and then morphed into a fun side hustle when people started to enjoy the information he was sharing. Fast forward to today, he’s left his corporate event marketing career behind and is now a full-time blogger and podcaster who has been featured in major media outlets like CNBC, Kiplinger’s Personal Finance and NBC News The original post is located here: https://marriagekidsandmoney.com/why-increasing-your-income-wont-solve-your-financial-problems  Gu

Sean Mullaney of FI Tax Guy talks about 2021 year-end tax planning. This is part 2 of 2. Episode 1738: [Part 2] 2021 Year-End Tax Planning by Sean Mullaney of FI Tax Guy on Roth IRA vs. Traditional IRA 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/2021-year-end-

Sean Mullaney of FI Tax Guy talks about 2021 year-end tax planning. This is part 1 of 2. Episode 1737: [Part 1] 2021 Year-End Tax Planning by Sean Mullaney of FI Tax Guy on Roth IRA vs. Traditional IRA 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/2021-year-end-

Darrow Kirkpatrick of Can I Retire Yet shares the difference between luxury and essential. Episode 1736: Luxury or Essential by Darrow Kirkpatrick of Can I Retire Yet on Being Financially Independent & FIRE Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience. When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did. More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his pr

Lisa Harrison of Mad Money Monster talks about why your relationships are more important than money Episode 1735: Why Your Relationships Are More Important Than Money by Lisa Harrison of Mad Money Monster Lisa is a mother, scientist, and financial enthusiast. She founded Mad Money Monster, a personal finance blog chronicling her and her family’s journey from doing money all wrong to doing it all right. She and her husband are known as Mr. & Mrs. Mad Money Monster on the site. They pride themselves as being Gen-Xers who have turned it all around and are now charting a course toward financial independence. The original post is located here: https://madmoneymonster.com/2018/05/29/why-your-relationships-are-way-more-important-than-money/  If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn mor

Jeff Rose shares 8 need-to-know secrets that your broker won't tell you Episode 1734: 8 Secrets Your Broker Won't Tell You (and Why You Need to Know Them) by Jeff Rose of Good Financial Cents 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/what-your-broker-financial-advisor-wont-tell-you/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  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.f

J.D. Roth with Get Rich Slowly shares 10 rules for financial success Episode 1733: The Random Walk Guide to Investing: Ten Rules for Financial Success by J.D. Roth of Get Rich Slowly 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/the-random-walk-guide-to-investing-ten-rules-for-financial-success/  OurCrowd analyzes companies across the global private market, selecting those with the greatest growth potential, then brings them to you. Join the fastest growing venture capital investment community, at OurCrowd.com/OFD   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your a

Jackie Beck gives you a one-bite method to crush debt Episode 1732: Crush Debt with the Unstoppable One-Bite Method by Jackie Beck on Debt Freedom & Personal Finance 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/one-bite-method/  Ladder makes it impressively fast and easy to get covered with affordable life insurance. No hidden fees. Cancel any time. Go to LadderLife.com/OFD to see if you’re instantly approved.  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. 1500 of 1500 Days tells us the reason he owns a home instead of renting Episode 1731: This Is Why I Own a Home by Mr. 1500 with Budgets Are Sexy on Benefits of Home Ownership vs. Renting Mr. 1500 is a family guy living in Colorado with his wife and two young children. He studied biology and chemistry in college, but somehow turned into a software developer. In 2013 at the age of 39, he set a goal to build a portfolio of $1,000,000 by February 2017 - 1500 days later. He surpassed his goal and has tracked his financial journey online ever since. The original post is located here: https://www.budgetsaresexy.com/this-is-why-i-own-a-home/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team. Get three months free when you run your first payroll by visiting Gusto.com/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad c

A Purple Life talks about tossing early retirement and trading money for time Episode 1730: Tossing Early Retirement and Trading Money for Time by A Purple Life on Financial Freedom A Purple Life was started by an anonymous writer in 2015. They hatched a plan to retire in 10 years at 35, and with the help of decreased spending, increased wages, and geoarbitrage, they reached their goal in half the time and retired in 2020 at age 30. A Purple Life catalogues their journey to and through early retirement The original post is located here: https://apurplelife.com/2017/04/29/tossing-early-retirement-and-trading-money-for-time/  If you're looking to supercharge your investment search and want to close on better deals while investing less time, head over to Awning.com/ofd   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

Paula Pant of Afford Anything shares one terrible piece of financial advice you should never ever listen to. Episode 1729: One Terrible Piece of Financial Advice You Should Never Ever Listen To by Paula Pant of Afford Anything  Paula Pant is the founder of the award-winning website AffordAnything.com and a writer and speaker specializing in money, business, and real estate investing. She is a real estate investor, as the owner of seven rental property units in metropolitan Atlanta. She holds a real estate license in Georgia. She's also the host of the Afford Anything podcast. The original post is located here: http://affordanything.com/2013/05/21/bad-financial-advice-but-it-worked-for-me  Charityvest provides a modern tax-deductible charitable giving account, called a donor-advised fund, to everyone. For no fees on investments in 2022, go to Charityvest.org/ofd  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad c

Michael Smith with Financial Finesse encourages against taking financial advice from pop music Episode 1728: Don't Take Financial Advice From Pop Music by Michael Smith with Financial Finesse on Personal Finance Mistakes 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 i

Chris of Keep Thrifty gives you powerful lessons to learn before you retire Episode 1727: Before You Retire - Powerful Lessons from Mini Retirement by Chris of Keep Thrifty on Securing Your Own Retirement Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They’ve got articles and success stories to help inspire you to think differently about your dreams and your finances. They’ve also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/before-you-retire-lessons-from-mini-retirement/  Gusto is an easy, online payroll and benefits service built for modern small businesses — one place to pay and take care of your hardworking team.

Joshua Becker of Becoming Minimalist implores you to not let shopping ruin your holiday season Episode 1726: Don't Let Shopping Ruin Your Holiday Season by Joshua Becker of Becoming Minimalist on Minimalism & Christmas Joshua Becker and his family decided to live with fewer possessions after a conversation with his neighbor in 2008. As a result, they found a better way to live, centered on more important pursuits. Their story has been seen on the CBS Evening News, NPR, the Boston Globe, the Wall Street Journal and countless media interviews around the world. Their books have sold in the tens of thousands. BecomingMinimalist.com is about their journey towards a rational approach to minimalism. It is about the joys and the struggles. It is about the lessons they have learned. It has inspired millions around the world. It is written to inspire you to intentionally live with less, and find more life because of it. The original post is located here: https://www.becomingminimalist.com/dont-let-shopping-ruin-your-ho

Mr. 1500 of 1500 Days talks about being richer in retirement Episode 1725: Richer In Retirement by Mr. 1500 of 1500 Days on Financial Freedom & Becoming Financially Independent Mr. 1500 is a family guy living in Colorado with his wife and two young children. He studied biology and chemistry in college, but somehow turned into a software developer. In 2013 at the age of 39, he set a goal to build a portfolio of $1,000,000 by February 2017 - 1500 days later. He surpassed his goal and has tracked his financial journey online ever since. The original post is located here: https://www.1500days.com/richer-in-retirement/  With Kraken you can buy and sell over 50 of the most popular cryptos like Bitcoin, Dogecoin and Ethereum on the go, 24/7. Visit Kraken.com/ofd to learn more  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 financial FOMO and how to avoid it. This is part 2 of 2. Episode 1724: [Part 2] Financial FOMO: What, Why and How To Avoid It by Joel of 5AMJoel on Practicing Gratitude 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: http://5amjoel.com/financial-fomo/  To start building your wealth and get your first $5,000 managed for FREE, for life, go to Wealthfront.com/OFD  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/Optim