Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY

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 3391: ESI highlights how even a modest boost in annual salary growth, just 1%, can translate into millions more over a career when invested wisely. By breaking down salary scenarios and compounding returns, he proves that strategic career growth isn't just valuable, it's transformative for building wealth and achieving financial independence. Read along with the original article(s) here: https://esimoney.com/the-value-of-growing-your-career-is-worth-millions-more-than-i-thought/ Quotes to ponder: "Even if you only earn 1% more than average, you end up with over a million dollars more!" "If you plug along and are willing to accept 'average' for your career/income, you're potentially missing out on millions of extra dollars during your lifetime." "If you can grow your income faster than average (most people) and invest the difference at a reasonable rate over a working lifetime (or even any decent length of time) the difference is amazing and worth millions." 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 3390: Jeff Rose breaks down practical ways to access IRA funds without paying the early withdrawal penalty, offering guidance for those facing medical bills, unemployment, education costs, or even buying a first home. This article is a must-listen for anyone navigating financial hardship while trying to protect their retirement savings. Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-tap-your-ira-with-no-penalty/ Quotes to ponder: "Just because you can touch your retirement money with no penalty, doesn't mean that you don't have to pay the tax." "If you find yourself being recently let go and so as long as you receive unemployment for 12 consecutive weeks, then you are allowed to tap your IRA to pay for health insurance premiums for yourself and your family." "You can use your IRA money penalty-free to help with the cost to include: tuition, fees, books, supplies, room and board, and required equipment." 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 3389: Mark Dennis explores the classic personal finance dilemma of whether to save more for retirement or focus on paying off debt. Blending both mathematical logic and behavioral psychology, he outlines a hybrid approach that leverages guaranteed investment returns while maintaining motivation through small debt victories, helping you take control of your money and stay on track long-term. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/29/should-you-save-more-for-retirement-or-pay-off-debt-first/ Quotes to ponder: "Use those good feelings of accomplishment to help motivate you to stay on track and hammer away at the next debt on your list until you kill that one too." "Free money is free money, and nothing beats a guaranteed return on your investment." "People often struggle to fully understand how compound growth works, which leads us to underestimate how much our savings could potentially grow." Episode references: Retirement Estimator Calculator: https://www.calcxml.com/do/ret02 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 3388: Robert Farrington outlines how international bonds can offer valuable diversification to a portfolio, especially when U.S. markets falter. While foreign bonds bring potential for growth and currency advantage, they also carry unique risks, making thoughtful allocation and rebalancing essential for long-term investors. Read along with the original article(s) here: https://thecollegeinvestor.com/33391/international-bonds/ Quotes to ponder: "Rather than buying the bonds of some country directly, which can be complex, you can invest in foreign bonds through mutual funds and ETFs." "The global bond market is far larger and more liquid than the global stock market." "Foreign bonds denominated in the issuing country's currency (i.e., U.K. bonds in British pounds) will have an inverse correlation with the dollar." Episode references: Total International Bond ETF (BNDX): https://investor.vanguard.com/investment-products/etfs/profile/bndx LearnBonds: https://www.learnbonds.com Total World Bond ETF (BNDW): https://investor.vanguard.com/investment-products/etfs/profile/bndw 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 3387: JL Collins dismantles the myth of homeownership as a wise investment by outlining its hidden costs, risks, and poor returns compared to other financial vehicles. He challenges deeply held beliefs by showing how homes drain resources, limit flexibility, and often deliver subpar gains, all while being propped up by emotion and government subsidies. Read along with the original article(s) here: https://jlcollinsnh.com/2013/05/29/why-your-house-is-a-terrible-investment/ Quotes to ponder: “While the structure never appreciates in value, the land a house sits on can appreciate in value due to changes in supply and demand.” "Imagine if our investment could somehow tie its owner to the fate of one narrow location. The risk could be enormous!" 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 3386: Jen Hayes reveals how adopting a minimalist mindset helped her lose 50 pounds by stripping away fitness industry noise and focusing on what truly matters. By choosing enjoyable movement, ditching fad diets, and prioritizing health over appearance, she built a simple, sustainable routine that feels good and actually works. Read along with the original article(s) here: https://www.simplyfiercely.com/minimalist-approach-fitness/ Quotes to ponder: "Minimalism is about getting rid of the things that don't matter so we can focus on the things that do." "Life is too short to waste it doing things you hate." "If your diet or exercise plan is making you miserable, try a different approach." 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 3385: Liz offers a practical and compassionate guide to building money habits that actually last, not by aiming for perfection, but by focusing on consistency, simplicity, and clarity. Through small behavioral shifts like removing temptations and redefining priorities, she shows how anyone can make sustainable progress toward financial peace and intentional living. Read along with the original article(s) here: https://www.frugalwoods.com/2020/01/31/how-to-create-sustainable-money-habits/ Quotes to ponder: "Slice away at your spending and your possessions to let the best rise to the top." “Make small, incremental changes you can stick to.” “Spend money on things related to those priorities and eliminate spending that's counter to those priorities.” 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 3384: Liz from Frugalwoods lays out a practical framework for building sustainable money habits by emphasizing small, consistent changes over dramatic overhauls. By reshaping routines, engineering your environment, and disrupting autopilot spending, she shows how frugality can become effortless and long-lasting. Read along with the original article(s) here: https://www.frugalwoods.com/2020/01/31/how-to-create-sustainable-money-habits/ Quotes to ponder: "Frugality can become your default and you can train yourself to do the right thing with your money." "Routines create automatic pathways for how we live our lives; we can follow positive routines or negative routines." "If you want to spend more time reviewing your finances and goal-setting, make it part of your weekly/monthly routine." 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 3383: Leif explores the emotional rollercoaster that often follows early retirement, comparing its initial thrill to a honeymoon that inevitably fades. As routines set in and novelty wears off, the real challenge emerges: facing boredom, fear, and the search for lasting fulfillment. Learn how pivoting from scarcity to abundance thinking can help transform this emotional shift into a powerful catalyst for personal growth. Read along with the original article(s) here: https://www.physicianonfire.com/honeymoon-phase-of-retirement/ Quotes to ponder: "Fear is likely a result of wondering if you have enough. Not enough money. Maybe enough joy? Happiness? Potential fulfillment?" "Choose the abundance mindset rather than the scarcity one, and you might find that you need fewer spreadsheets to keep track of your joy." "Keep digging into what brought you moments of flow in earlier phases of life, keep bringing those back." 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 3382: Vicki Cook and Amy Blacklock break down the subtle but impactful differences between being frugal and being cheap, helping you assess whether your money-saving habits align with your values or if they may be costing more than you think. Learn how mindful spending can preserve relationships, support long-term goals, and still keep your finances in check. Read along with the original article(s) here: https://womenwhomoney.com/frugal-or-cheap-how-to-tell-why-matters/ Quotes to ponder: "Frugality means your spending decisions are aligned with your priorities and values, not going without or suffering because you lack things you need." "Being cheap is being selfish with your money." "Trying to save money can be a real challenge and there may be times where you find yourself being cheap instead of frugal." Episode references: BeFrugal: https://www.befrugal.com Ibotta: https://www.ibotta.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 3381: Amanda Brownlow challenges the traditional mindset of extreme frugality by showing how intentional spending can lead to long-term savings. From prioritizing health and quality items to investing in insurance and expert financial advice, she explains why spending a little more now can prevent costly mistakes and replacements later. Read along with the original article(s) here: https://hellobrownlow.com/2020/10/14/spend-money-to-save-money/ Quotes to ponder: "Spending money on a gym membership (that you actually use), home gym equipment, whole food items, supplements, and more can help keep you healthy." "Staying healthy not only makes you feel good, but you save money in the long term, too." "You may need to save up money to purchase what you really want, but that higher quality item will pay for itself over time because you won't have to buy it again." 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 3380: Kathleen Coxwell highlights how millennials, often seen as financially unstable, are actually modeling habits that can lead to a more flexible and fulfilling retirement. From downsizing and ditching costly assets to prioritizing experiences, connection, and purpose, their lifestyle offers valuable lessons in living well both now and later. Read along with the original article(s) here: https://www.newretirement.com/retirement/learn-from-millennials-for-better-retirement-2/ Quotes to ponder: "Millennials crave the joy of adventures and discoveries, whether epic or everyday." "Talking about money is a good thing. Behavioral research has found that having peers who have good financial habits can help you to have good financial habits." "You can actually slow down the clock by trying new things." Episode references: U.S. Census Bureau: https://www.census.gov Pew Research Center: https://www.pewresearch.org 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 3379: J. Money unpacks how billions of dollars in unclaimed property are just sitting around, waiting to be claimed, including hundreds his own wife forgot about from a decade-old paycheck. With step-by-step guidance and a few laughs, he shows how easy (and free) it is to search for and reclaim your lost funds, and possibly help your friends and family do the same. Read along with the original article(s) here: http://www.budgetsaresexy.com/find-unclaimed-money-property/ Quotes to ponder: "It literally takes a handful of seconds to get started, and there's no excuse for not giving it a shot." "Claims can be made into perpetuity in most cases, even by heirs." "Unclaimed property is one of the original consumer protection programs." Episode references: Virginia unclaimed property search: https://vamoneysearch.gov/ Unclaimed.org (National Association of Unclaimed Property Administrators): https://www.unclaimed.org 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 3378: Michael Mehlberg challenges the productivity trend of cutting out distractions by flipping the script, urging us to protect the activities that fuel us through a not-to-give-up list. This powerful mindset helps you stay motivated, avoid burnout, and build a life that balances achievement with joy. Read along with the original article(s) here: https://michaelmehlberg.com/blog/2018/5/30/you-dont-have-to-give-up-important-things-to-get-important-things-done Quotes to ponder: "Forced self-control only works when you're not stressed or tired." "Without a clear purpose for every item that goes on this list, you'll find yourself ignoring it, or worse, binging on the very things you add to it." "And that's the beauty of a not-to-give-up list. You put the focus on what's important in your life." 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 3377: Dr. Lisa Firestone explores how our emotional history, especially early experiences with money, shapes our current financial stress and self-worth. She reveals how the "critical inner voice" hijacks our judgment, fueling guilt, anxiety, and self-sabotage, and offers practical tools for developing healthier financial beliefs and habits. Read along with the original article(s) here: https://www.psychalive.org/money-stress-why-we-feel-bad-about-money/ Quotes to ponder: "The critical inner voice can cloud your judgment when it comes to money, because you are no longer making choices based on real, practical information." "Don't avoid your fears or try to self-soothe. Neither buying something you can't afford nor denying yourself any little luxury will truly relieve you." “The critical inner voice often creates conflict between couples when it comes to money.” Episode references: Stress in America survey by the American Psychological Association: https://www.apa.org/news/press/releases/stress 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 3376: Nick Maggiulli unpacks how wealthy individuals allocate their assets, revealing that investment strategies often depend more on access and status than on performance alone. While ultra-wealthy investors lean heavily into alternatives like private equity and hedge funds, this typically happens after wealth is accumulated, not as the path to it, offering a crucial reminder to focus on what works for your own situation rather than mimicking the elite. Read along with the original article(s) here: https://ofdollarsanddata.com/how-do-the-wealthy-invest/ Quotes to ponder: "Try not to forget that the wealthiest 10% of Americans own nearly 90% of all U.S. stocks!" “Not all investing is about money, sometimes it's about status too.” “There are many ways to preserve and grow your wealth. The hard part is finding what works best for you.” Episode references: Michael Kitces: https://www.kitces.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 3375: Honey Smith explores the practical and psychological benefits of keeping physical cash as part of your emergency fund, especially in times when digital access to money may be disrupted. Weighing the pros and cons, from peace of mind and preparedness to lost interest and security risks, she offers clear guidance on how much cash to keep, where to store it, and why doing so could be a smart addition to your financial safety net. Read along with the original article(s) here: https://www.getrichslowly.org/should-cash-be-part-of-your-emergency-fund/ Quotes to ponder: "You'll never be out of money when you need it." "Cash can't be garnished like a paycheck or bank account, and it isn't easily traced." "If you lose the money, it gets destroyed, you are robbed, etc., you may have very little recourse." Episode references: Mint: https://mint.intuit.com/ Capital One 360: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ 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 3374: Fritz Gilbert outlines three key adjustments to improve the sustainability of retirement withdrawals in today's uncertain market environment: lowering the withdrawal rate to 3.3%, adopting a dynamic spending strategy tied to market performance, and increasing international equity exposure. These practical shifts help retirees better manage risk and longevity while maintaining spending flexibility. Read along with the original article(s) here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/ Quotes to ponder: "Being willing and able to adjust your spending based on actual market returns has been proven to increase your statistical chances of not outliving your money." “Run the numbers. Be safe out there.” Episode references: Vanguard Total International Stock Index Fund (VTIAX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vtiax 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 3373: Fritz Gilbert challenges the conventional 4% safe withdrawal rule, arguing that its simplicity may be dangerously outdated given today's market conditions. He outlines key concerns about relying on historical data, inflated equity valuations, and rising interest rates, and hints at three practical adjustments he personally uses to reduce risk in retirement spending. Read along with the original article(s) here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/ Quotes to ponder: "Bond prices are inversely related to interest rates, so as rates go up, bond prices go down." "Assuming a minimum requirement of 30 years of portfolio longevity, a first-year withdrawal of 4 percent, followed by inflation-adjusted withdrawals in subsequent years, should be safe." "If you're holding 60% stocks and 40% bonds, it's possible that you could see decreases in both asset classes." Episode references: GMO Forecast via Wealth of Common Sense: https://awealthofcommonsense.com/2021/10/the-worst-stock-and-bond-returns-ever/ 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 3372: Christina Browning shares ten crucial steps to ensure a successful early retirement abroad, drawing from her personal experience relocating to Portugal. From navigating foreign healthcare systems to stress-testing your lifestyle across seasons, these actionable tips help you avoid common pitfalls and set the stage for a seamless transition to life overseas. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-abroad-do-these-10-things-first Quotes to ponder: "Using the medical and dental system in your chosen country is an absolute must before moving!" "Meeting with other ex-pats in the country of your choice will teach you something immensely valuable, not necessarily how much they love the country, but more so the struggles that they've faced while living there." "Hobbies are a significant part of life for a lot of people, so it's important to think about this before you make the move." 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 3371: Julien Saunders shares a heartfelt exploration of how giving, whether through financial support, gifts, or time, aligns with their values and fuels their pursuit of financial independence. By embracing a flexible, impact-driven approach to generosity, the Saunders family demonstrates how giving can become both a personal responsibility and a tool for meaningful change. Read along with the original article(s) here: https://richandregular.com/when-why-and-how-we-give/ Quotes to ponder: "Giving isn't a competition and it's ok to simply give what you want, when you want to." "Sales are signs of life and hope for them." "We view our investment strategy as an act of radical self-responsibility." Episode references: NPR (National Public Radio): https://www.npr.org/ PBS (Public Broadcasting Service): https://www.pbs.org/ The Power of Giving: https://www.amazon.com/Power-Giving-Creating-Abundance-Yourself/dp/1585427519 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 3370: Kat Medina reflects on how solo travel helped her redefine loneliness as a gateway to joyful solitude and personal growth. Through honest storytelling and a five-day self-connection challenge, she encourages us to disconnect from distractions and rediscover the richness of our own company. Read along with the original article(s) here: https://www.katmedina.com/article?id=solitude Quotes to ponder: "There are some moments that are more impactful when experienced by oneself, reminding me that there is a clear difference between alone and lonely." "If you prioritize some time for yourself to just ‘be', you can transform isolation into solitude." 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 3369: Christine Luken offers a clear-eyed guide to understanding how different types of debt, mortgages, credit cards, student loans, and medical bills, are handled after death, and who (if anyone) becomes responsible. With practical advice and real-life examples, she shows how proper planning can prevent financial headaches for grieving loved ones. Read along with the original article(s) here: https://www.christineluken.com/what-happens-to-my-debt-when-i-die/ Quotes to ponder: "Family members of a deceased person are typically not obligated to use their own money to pay for credit card debt after death." "If you have a federal student loan, then the federal government will discharge any remaining debt upon your death." "Here's the bottom line: excessive debt is bad news all the way around." Episode references: The Motley Fool: https://www.fool.com/ Credit Karma: https://www.creditkarma.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 3368: Jeff Rose shares the hard-earned wisdom that came from diving headfirst into real estate investing without the right knowledge, mindset, or passion. His story underscores the importance of aligning your investment strategy with your skills and interests, highlighting that chasing flashy promises can lead to costly lessons. Listening to this can help you avoid common traps and clarify your own financial path. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-lessons-i-learned-from-failing-at-real-estate-investing/ Quotes to ponder: "If it sounds too good to be true, it probably is, and it was!" "Always stick with what you know and love, and leave the other stuff to other people." "Reaching financial freedom is not a race!" 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 3367: Michael Smith draws powerful parallels between playing rugby and managing money, emphasizing the importance of teamwork, mental resilience, and meaningful relationships. His insights show how trusting a solid team of financial professionals, sticking to long-term strategies, and redefining your relationship with money can lead to greater peace of mind and financial success. Read along with the original article(s) here: https://www.financialfinesse.com/2015/12/11/financial-lessons-from-a-rugby-field/ Quotes to ponder: "Expecting to win some and lose some can help take the over-reaction out of investing." "Not being defined by your financial situation at any moment in time is a very important skill to learn." “Pick a strategy and stick to it in good markets and bad.” 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 3366: Dave from Accidental FIRE explores how financial independence can become a powerful launchpad for reinvention after professional decline. Drawing from Arthur Brooks' research and personal experience, he makes a compelling case for using FI not just to retire, but to pivot purposefully, whether that means teaching, deepening relationships, or pursuing long-dormant passions. Read along with the original article(s) here: https://accidentalfire.com/2022/06/28/financial-independence-is-a-hall-pass-for-safe-reinvention/ Quotes to ponder: "The research showed that it's not all decline past 40. Certain aptitudes grow during middle age that favor wisdom, teaching, and sharing ideas." "Experiencing professional decline in your chosen field is a just a queue to start the ball rolling on a new career." "Financial independence is basically a hall pass for safe reinvention." Episode references: From Strength to Strength by Arthur Brooks: https://www.amazon.com/Strength-Finding-Success-Happiness-Purpose/dp/059319148X The Atlantic article by Arthur Brooks: https://www.theatlantic.com/magazine/archive/2021/03/work-peak-professional-decline/617796/ 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 3365: Jeremy challenges the notion that earning income after early retirement equals failure, sharing his own experiment with seasonal work as a UPS driver. His candid reflection reveals how flexibility, self-awareness, and reevaluating what “retirement” means can lead to greater peace of mind, without compromising your values or financial independence. Read along with the original article(s) here: https://www.gocurrycracker.com/failing-at-early-retirement/ Quotes to ponder: "Should you feel like you failed at early retirement if you decide to do some paid work? No." "The greatest financial benefit was that it reminded me of just how much time and energy is required to make $100." "Try some things, no big deal. Maybe you will enjoy some work and find it brings value to your life." Episode references: UPS Personal Vehicle Driver Program: https://www.jobs-ups.com/personal-vehicle-drivers Amazon Flex: https://flex.amazon.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 3364: Joel explores how Financial FOMO quietly undermines progress by fueling comparison, indecision, and unrealistic expectations. With practical mindset shifts like appreciation, JOMO, and a "low information diet," he shows how to reclaim clarity, peace, and confidence on your unique financial path. Read along with the original article(s) here: http://5amjoel.com/financial-fomo/ Quotes to ponder: "Missing out gives you more time to focus on other stuff that matters to you. Think 'Less = More'." "You are comparing their 'outsides' with your 'insides.' The outside appearance of people will always trump your inside feelings about yourself." "Think about all the things you do have, instead of all the things you don't have." 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 3363: Joel unpacks the toxic effects of Financial FOMO, the anxiety-driven urge to chase every wealth-building trend, and how it can derail both your mindset and money. Through the story of Steve, we see how constantly comparing yourself to others' financial wins can create a cycle of stress, distraction, and wasted energy that undermines long-term success. Read along with the original article(s) here: http://5amjoel.com/financial-fomo/ Quotes to ponder: "Financial FOMO is a little more specific to money and investing. It's when you worry about missing out on financial success or profitable events, and that worry makes you do harmful things to grow your wealth." "Getting ahead financially is as much about how you feel about your money as it is about how much money you have." "It might sound cool to have Financial FOMO, but it can actually be detrimental to your financial success." 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 3362: Steve Kamb reveals how true personal growth lies just beyond our comfort zone, right where failure, fear, and challenge live. By embracing the discomfort of trying and stretching ourselves at the edge of our capabilities, we build resilience, confidence, and real progress over time. Read along with the original article(s) here: https://www.nerdfitness.com/blog/growth-happens-at-our-limits-embrace-it/ Quotes to ponder: "Growth comes from the edge of our capabilities, where we try something we're not good at and improve over time." "You can't become stronger without pushing yourself beyond what you can currently do." "If you only ever do the things you're good at, you'll never grow." Episode references: Can't Hurt Me by David Goggins: https://www.amazon.com/Cant-Hurt-Me-Master-Your/dp/1544512287 Atomic Habits by James Clear: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 Grit by Angela Duckworth: https://www.amazon.com/Grit-Passion-Perseverance-Angela-Duckworth/dp/1501111108 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 3361: Jen Hayes shares smart, practical strategies for celebrating Christmas joyfully without overspending, from DIY gifts to careful budgeting and bargain hunting. Her thoughtful advice helps reduce financial stress while keeping the season meaningful, creative, and debt-free. Read along with the original article(s) here: https://www.jenhayes.me/have-yourself-frugal-little-christmas/ Quotes to ponder: "Christmas really is a lot of fun so it's all worth it, just follow the tips here to stop yourself from overspending and getting into trouble financially." "You could save a fortune and still get the joy of handing someone a present; they will know you've put the effort in too which is far more special than the amount of money paid." "Instead of spending lots of money on fancy cakes and chocolate, have a look on Pinterest for recipes and make your own." Episode references: DontPayFull: https://www.dontpayfull.com Pinterest: https://www.pinterest.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 3360: Jackie Beck offers a simple, empowering 30-day plan to kickstart your emergency savings, breaking down a goal that often feels overwhelming into small, daily steps. With a focus on creating realistic habits and tracking actual spending, she shows how anyone can begin to build financial security, even on a tight budget. Read along with the original article(s) here: https://www.jackiebeck.com/how-to-build-a-starter-emergency-fund-in-30-days-or-less/ Quotes to ponder: "Any amount is more than you had before. It's something that will insulate you from an emergency that much more than nothing." "Save FIRST and always instead, and then you'll have it done." "Make saving for emergencies a habit, and keep at it until you reach whatever larger goal feels comfortable to you." Episode references: Capital One 360 Savings Account: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/ Bankrate Emergency Savings Survey: https://www.bankrate.com/banking/savings/emergency-savings-report/ 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 3359: Sarah Von Bargen shares simple yet surprisingly effective ways to curb spending without feeling deprived. By adding small layers of friction, like unsubscribing from sales emails or using cash-only budgets, you can outsmart impulse buys and reclaim control over your money with minimal effort. Read along with the original article(s) here: https://www.yesandyes.org/2018/12/spending-less-tricks.html Quotes to ponder: "If we can't be bothered to stand up and go get our credit cards, we probably didn't really want the item that much to begin with." "Multiple studies have shown that people who shop hungry spend 60-70% more (!!!) than their non-hungry peers." "One of the best things I've ever done for my mental health was unfollow accounts that made me feel less-than and fill my feed with people who are in my size, age, and tax bracket." Episode references: Block Site for Chrome: https://chrome.google.com/webstore/detail/block- 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 3358: Kathleen Coxwell invites you to craft a deeply personal retirement manifesto, a clear, intentional declaration of your values, dreams, and life lessons. By articulating what matters most and how you want to spend your time, you'll find greater purpose, fulfillment, and direction in the next chapter of your life. Read along with the original article(s) here: https://www.newretirement.com/retirement/what-is-your-retirement-manifesto/ Quotes to ponder: "This is your time to be defined by you." "Writing a manifesto can be a great way of thinking about what you want out of your life and a way of holding yourself accountable for being who you want to be." "You will want to use positive statements, say what you want (not what you don't want)." Episode references: EconoMe Conference: https://www.economeconference.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 3357: Joshua Becker reveals how decades of marketing have hijacked the spirit of the holidays, turning a season meant for connection into one dominated by consumerism and stress. He offers a compelling case for simplifying gift-giving, focusing instead on meaningful traditions that bring real joy and lasting memories. Read along with the original article(s) here: https://www.becomingminimalist.com/dont-let-shopping-ruin-your-holidays/ Quotes to ponder: "Retail promises the perfect Christmas, but ruins it instead." "Shopping is resulting in the exact opposite emotions we desire during this holiday season." "Lifestyle creep is not just for adults… the phenomena exists for children as well." Episode references: The Hope Effect: https://www.hopeeffect.com/givingtuesday2021 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 3356: Laurie Sepulveda breaks down why many women struggle with salary negotiations and outlines how to shift from self-doubt to confidence through research, practice, and strategic silence. By understanding your market value, leveraging your accomplishments, and getting comfortable with making counter-offers, you can start earning what you're truly worth. Read along with the original article(s) here: https://womenwhomoney.com/negotiate-next-raise/ Quotes to ponder: "Unless we're armed with knowledge [meaning cold, hard money facts], we don't have the upper hand in negotiating." "Silence can be a very powerful negotiation tool, mainly because it allows you to react in a way that eliminates much of the emotion from the conversation." "One of the most potent ways to increase the amount you're offered is to simply make a counter-offer when you're presented with the first salary number." 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 3355: Jennifer explores seven thoughtful investments that consistently pay off in the long run from personal growth to practical tools that save time and stress. Her insights challenge the guilt often tied to spending, encouraging more intentional choices that align with your values and enhance everyday life. Read along with the original article(s) here: https://www.simplyfiercely.com/7-things-you-will-never-regret-spending-money-on/ Quotes to ponder: "You'll never regret spending money on things that help you grow as a person." "Spending money to save time and energy isn't lazy, it's strategic." "When you say yes to something, you're saying no to something else, so make your choices count." Episode references: Atomic Habits: https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299 Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 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 3354: Charlie Brown outlines a refreshingly simple but powerful framework for designing a fulfilling life by mastering three key areas, personal finance, meaningful work, and intentional living. By rethinking your money habits, rejecting uninspired career norms, and embracing simplicity, you build a sturdy foundation for freedom, joy, and authenticity in everyday life. Read along with the original article(s) here: https://medium.com/better-advice/life-is-a-triangle-master-its-3-points-to-live-a-kick-ass-existence-821b340b0c71 Quotes to ponder: "Once you have an aim, the mechanics of personal finance suddenly look a lot more appealing." "The day I realized there is another way was the day my working life started to slot into place." "Simple living is the long-ass line at the bottom, the foundation of it all." Episode references: Tim Denning article quote (source site): https://timdenning.com Theodore Roosevelt quote: https://www.goodreads.com/quotes/777-nothing-in-the-world-is-worth-having-or-worth-doing 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 3353: Tony outlines common investing pitfalls that trip up even the most well-intentioned investors, from emotional trading to lack of diversification. With straightforward tips and reminders, he encourages readers to adopt a steady, informed approach that leads to long-term wealth and financial resilience. Read along with the original article(s) here: https://moneyminiblog.com/lists/common-investing-mistakes/ Quotes to ponder: "People buy high because of greed and sell low because of fear." "Successful investors don't let emotions control their investing decisions." "It's better to invest for the long haul and let the market do what it does." Episode references: Rich Dad Poor Dad: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612681131 The Bogleheads' Guide to Investing: https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283 The Intelligent Investor: https://www.amazon.com/Intelligent-Investor-Definitive-Value-Investing/dp/0060555661 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 3352: J.D. Roth exposes the two-headed beast of financial trolls, those external voices that discourage your progress, and the internal ones that sabotage it from within. By naming these voices and providing clear strategies to silence them, he empowers readers to protect their mindset, build confidence, and finally start using money as the tool it's meant to be. Read along with the original article(s) here: https://www.getrichslowly.org/facing-and-fighting-financial-trolls/ Quotes to ponder: "A financial troll is a close cousin to the forum troll, except that financial trolls strive to sabotage your financial pursuits." "Money is more about mind than it is about math." "Complainers are poisonous." Episode references: FIRE the Haters by Jillian Johnsrud: https://www.amazon.com/Fire-Haters-Finding-Courage-Critical/dp/1736549820 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 3351: Philip Taylor explains how the Roth IRA offers powerful tax advantages for retirement savers, especially those who want more flexibility, investment control, and tax-free withdrawals. Unlike traditional accounts, Roth contributions are made with after-tax dollars, meaning you can withdraw both your contributions and earnings tax-free in retirement, making it a smart option for many earners seeking long-term growth and financial security. Read along with the original article(s) here: https://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/ Quotes to ponder: "A Roth IRA is taxed just the opposite of the Traditional IRA and 401K." "Taxes can really eat into your investment earnings." "A Roth IRA is an excellent tool to help you save more money for your retirement." Episode references: IRS Roth IRA Rules: https://www.irs.gov/retirement-plans/roth-iras Vanguard Roth IRA: https://investor.vanguard.com/ira/roth-ira 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 3350: Ramit Sethi breaks down dollar-cost averaging as a smart way to invest consistently over time without trying to time the market. He explains how this strategy can protect against volatility, while also comparing it to lump-sum investing, which often yields higher returns, but not without emotional trade-offs. Sethi also provides a practical guide for building an index fund portfolio from scratch, even on a limited budget. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/blog/dollar-cost-averaging/ Quotes to ponder: "Investing isn't a race, you don't need a perfect asset allocation tomorrow." “Your asset allocation determines how much money you invest in different areas.” “Spend less than you make and invest the difference.” Episode references: VTSAX (Vanguard Total Stock Market Index Fund): https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax Vanguard Target Retirement 2050 Fund (VFIFX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vfifx 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 3349: Jesse Cramer unpacks the underestimated power of "room for error" as a life and investing strategy, drawing insights from Morgan Housel, Charlie Munger, and Howard Marks. Instead of chasing peak performance, Cramer advocates for avoiding disaster, building resilience, and prioritizing consistency, especially when stress can derail even the best-laid plans. Read along with the original article(s) here: https://bestinterest.blog/room-for-error/ Quotes to ponder: "In investing and in life, prioritize avoidance of terrible situations." "Room for error lets you stick around long enough to let the odds of benefiting from a low-probability outcome fall in your favor." "Invest! Harness the power of humanity's economic engine and compound returns." Episode references: The Power of Inversion: https://fs.blog/inversion/ 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 3348: Leif challenges the conventional link between income and happiness by highlighting how mindful spending and intentional living can lead to greater freedom, satisfaction, and emotional well-being. Drawing on research, personal experience, and the FIRE movement, he illustrates how spending less, while counterintuitive in a consumer-driven culture, can actually unlock more time, autonomy, and joy. Read along with the original article(s) here: https://www.physicianonfire.com/spend-less-live-more/ Quotes to ponder: "High income buys life satisfaction but not happiness." "The things you own end up owning you. It's only after you lose everything that you're free to do anything." "A dollar spent is a dollar not saved or invested." Episode references: High income improves evaluation of life but not emotional well-being (Kahneman & Deaton, 2010): https://www.pnas.org/doi/10.1073/pnas.1011492107 You Need a Budget (YNAB): https://www.youneedabudget.com/ Scott's Cheap Flights (now Going): https://www.going.com/ Personal Capital (now Empower): https://www.empower.com/ Mint: https://mint.intuit.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 3347: Leif challenges the common belief that spending more equals living better, arguing instead that dialing back on expenses can actually unlock a richer, more meaningful life. With personal stories and data-backed insights, he highlights how financial discipline offers not deprivation, but freedom, especially for high earners who mistakenly conflate luxury with happiness. Read along with the original article(s) here: https://www.physicianonfire.com/spend-less-live-more/ Quotes to ponder: "When you dial down the spending, you'll be able to live more." "It's much easier to stay off the hedonic treadmill or keep it going at a slow speed than it is to hop off once it's hit a ludicrous speed." "We don't seem to be getting any happier despite substantial wealth gains over the past decade." Episode references: Ramit Sethi – I Will Teach You To Be Rich: https://www.iwillteachyoutoberich.com/ World Happiness Report: https://www.worldhappiness.report/ Learn more about your ad choices. Visit megaphone.fm/adchoices