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

Joel of 5AM Joel talks about the financially independent people who are miserable. Episode 1284: Financially Independent and Miserable by 5AM Joel on The Relationship Between Financial Freedom & Happiness 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/financially-independent-and-miserable/ 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 Mamula of Can I Retire Yet shares three bad financial decisions he made that somehow managed to help him retire sooner. This is part 2 of 2. Episode 1283: [Part 2] 3 Bad Financial Decisions That Helped Me Retire Sooner by Chris Mamula of Can I Retire Yet 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 e

Chris Mamula of Can I Retire Yet shares three bad financial decisions he made that somehow managed to help him retire sooner. This is part 1 of 2. Episode 1282: [Part 1] 3 Bad Financial Decisions That Helped Me Retire Sooner by Chris Mamula of Can I Retire Yet 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 e

Chris Reining tells us what everyone seems to forget about money. Episode 1281: What Everyone Forgets About Money by Chris Reining on The Value of Trading Time for Money 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/time/ 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

Emily Guy Birken with PT Money shares an unexpected truth about how a gas guzzling car could be a good money saver. Episode 1280: That Gas Guzzler Might Actually Save You Money by Emily Guy Birken with PT Money on Car Buying Decisions 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/gas-guzzler/ 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 reminds of what we need to know about emergency funds. Episode 1279: Everything You Need To Know About Emergency Funds 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/2015/01/when-you-need-money-fast-learn-about-emergency-funds.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

J.D. Roth with Get Rich Slowly talks about the realities of frugal shaming. Episode 1278: Frugal Shaming and Financial One-Upmanship by J.D. Roth of Get Rich Slowly on Mustachianism & Frugality 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/frugal-shaming-and-financial-one-upmanship/ 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 reflects on the beauty of simplicity. Episode 1277: The Beauty of Simplicity by J. Money of Budgets Are Sexy on Minimalism as a Personal Finance Tool 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://www.budgetsaresexy.com/the-beauty-of-simplicity/ 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 shares his views on life insurance being a selfless act of kindness. Episode 1276: Life Insurance Is A Selfless Act Of Kindness by Sam of Financial Samurai on How Much Life Insurance Should I Buy 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/life-insurance-is-a-selfless-act-of-kindness/ 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

Jeff Rose discloses how we can discover our financial grit. Episode 1275: How to Discover Your Financial Grit by Jeff Rose of Good Financial Cents on Overcoming Adversity & Tenacity 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/financial-grit/ 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

Michael Smith with Financial Finesse shares how to figure out what you can safely withdraw in retirement. Episode 1274: How To Figure Out What You Can Safely Withdraw In Retirement by Michael Smith with Financial Finesse on 4% Rule 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 orig

Dawn Starks of SimpleMoney explores whether or not it's a good decision to accelerate mortgage payments. Episode 1273: Should You Accelerate Paying Off Your Mortgage? by Dawn Starks of Simple Money Pro on Pay Down Debt or Invest Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/should-you-accelerate-paying-off-your-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

Amanda of Women Who Money help us to make good financial decisions by using our values as a compass. Episode 1272: How Can You Use Values To Make the Best Money Decisions? by Amanda with Women Who Money on Intentional Spending Amanda is a team member of Women Who Money and the founder and blogger behind Why We Money. Amanda loves writing about happiness, values, money, and real estate. She was a social worker before she became a stay-at-home parent and experienced side hustler 19 years ago. Amanda also writes for a local, family-owned real-estate brokerage. When Amanda’s not writing, she’s traveling, hiking, biking, gardening, and volunteering with several of her favorite local organizations. Her most cherished time is spent with her husband and her 17 and 19-year-old kids. The original post is located here: https://womenwhomoney.com/values-money-decisions/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choice

The Finance Twins share what to do when stocks go up. Episode 1271: How To Invest When The Stock Market Is Going Up by The Finance Twins on Asset Allocation & Index Fund Investing 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/how-to-invest-when-the-stock-market-is-going-up/ 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

Derick Van Ness of Big Life Financial shares 5 habits that set the wealthy apart. Episode 1270: 5 Habits that Set the Wealthy Apart by Derick Van Ness of Big Life Financial on A System for Saving Money Derick Van Ness is a Wealth Strategist who is passionate about helping people reach their full potential. His company, Big Life Financial is focused on removing the mystery and misinformation surrounding money and financial strategy so people can live their BIGGEST LIFE! Derick’s company can help anyone but is specifically focused on small business owners, and has already helped 1000’s of them to create financial certainty and confidence. His mission is to eradicate that fear and fundamentally change the way that people think about and utilize money within the next generation. The original post is located here: https://www.biglifefinancial.com/blog/2019/2/9-habits-that-set-the-wealth-apart Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

William Johnson of Flex Cents shares a guide to personal financial wellness. This is part 2 of 2 Episode 1269: [Part 2] Guide To Personal Financial Wellness by William Johnson with Flex Cents on Insurance & Estate Planning Art is a physical therapist who is not only passionate about health and physical fitness, but also developed a passion for all things personal finance. It all started when his wife and him were thinking about moving out of their parents’ homes and began looking at houses to buy. Knowing that there are others who have reached financial independence changed the outlook of their lives for the better. He couldn’t contain his excitement and created Flexcents as a way to share it with as many people as possible. Both his wife and him are now striving towards financial independence and are creating a life they cannot wait to live each day. The original post is located here: https://www.flexcents.com/guide-to-personal-financial-wellness/ Visit Me Online at OLDPodcast.com Interested in advertising o

William Johnson of Flex Cents shares a guide to personal financial wellness. This is part 1 of 2 Episode 1268: [Part 1] Guide To Personal Financial Wellness by William Johnson with Flex Cents on Budgeting & Paying Off Debt Art is a physical therapist who is not only passionate about health and physical fitness, but also developed a passion for all things personal finance. It all started when his wife and him were thinking about moving out of their parents’ homes and began looking at houses to buy. Knowing that there are others who have reached financial independence changed the outlook of their lives for the better. He couldn’t contain his excitement and created Flexcents as a way to share it with as many people as possible. Both his wife and him are now striving towards financial independence and are creating a life they cannot wait to live each day. The original post is located here: https://www.flexcents.com/guide-to-personal-financial-wellness/ Visit Me Online at OLDPodcast.com Interested in advertising o

Phil Town of Rule One Investing breaks down the expectations of investing versus the realities. Episode 1267: Investing Expectations Vs. Reality by Phil Town of Rule One Investing on Sound Long-Term Investment Advice Phil Town's portfolio has been ranked No. 1 by the American Association for Individual Investors when it produced a 50% rate of return. He has a passion for investing that is hard to beat and he wants to share it with you. Phil has written three New York Times #1 Best-Selling Investment Books, Rule #1, Payback Time, and Invested, and he's been invited to speak on TV shows on CNBC, FOX, and MSNBC. The original post is located here: https://www.ruleoneinvesting.com/blog/investing-news-and-tips/investing-expectations-vs-reality/ 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 encourages us to be able to wake up and do nothing (with our finances). Episode 1266: Strive To Wake Up And Do Nothing (With Your Finances) by Craig Stephens of Retire Before Dad on Simplifying Money 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/wake-up-and-do-nothing/ 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 shares his thoughts on tax-gain harvesting and how to acquire a free ivy league education. Episode 1265: Tax-Gain Harvesting AND Free Ivy League Degree by The Mad Fientist on Investment Tax Advice & Education 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 posts are located here: https://www.madfientist.com/tax-gain-harvesting/ & https://www.madfientist.com/free-ivy-league-degree/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.adve