Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 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 3135: Chris Reining challenges the popular career advice to "do what you love" by showing how it's often wiser, and more sustainable, to do what you hate so that you can eventually afford the freedom to pursue what you love. With humor and insight, he illustrates how financial independence is really about creating options, not chasing passions that can't pay the bills. Read along with the original article(s) here: https://chrisreining.com/hate-love/ Quotes to ponder: "Do what you hate to do what you love." "Financial independence isn't about having money it's about having options." "The most dangerous thing I see people do is quit their job to do what they love." Episode references: Architectural Digest: https://www.architecturaldigest.com/ So Good They Can't Ignore You: https://www.calnewport.com/books/so-good/ 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 3133: Lyle Soloman explores the deep, often overlooked connection between mental well-being and financial stability, revealing how issues like depression, anxiety, and low self-esteem can lead to impulsive spending, financial neglect, and mounting debt. By identifying patterns and making strategic adjustments during times of clarity, Soloman offers actionable steps to help safeguard your finances even when your mental health falters. Read along with the original article(s) here: https://www.fiology.com/mental-health-financial-health/ Quotes to ponder: "When you are dealing with disturbed mental health, it feels that life is spiraling out of control, and you can't do anything to get it back on track." "Many people who have financial problems will resist looking at how much they owe." "Don't try to live your life to someone else's standards. This can hurt your mental health no matter how much money you make." Episode references: Personal Capital (now Empower): https://www.empower.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 3132: Corey from The Fioneers emphasizes the importance of focusing on the "big three" expenses, housing, transportation, and food, to meaningfully boost savings without losing balance in life. By simplifying your financial focus, you gain more mental space to design a fulfilling life, rather than obsessively chasing financial independence at the cost of present-day happiness. Read along with the original article(s) here: https://thefioneers.com/reduce-household-expenses/ Quotes to ponder: "Instead of trying to optimize every aspect of your life, try starting with these three big categories." "Saving more money isn't just about expediting your journey to FI, but enhancing it." "Saving money is great in that it provides us freedom in the future, but also in the present." Episode references: Imperfect Foods: https://www.imperfectfoods.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 3131: Corey of The Fioneers breaks down how focusing on the “big three” expenses, housing, transportation, and food, can dramatically improve your financial flexibility and fast-track your path to financial independence. With real-life examples and a mindset rooted in value over status, this post illustrates how intentional choices can save thousands annually without feeling like sacrifice. Read along with the original article(s) here: https://thefioneers.com/reduce-household-expenses/ Quotes to ponder: "We lack for naught in these three categories. Somehow, we have resisted the urge to keep up with the Joneses." "Reducing your big expense categories will give you the most freedom and flexibility." "Saving money has a triple effect on your finances. It not only gives you more money now, but it also provides more capital to invest and decreases the amount you need in investments to sustain your lifestyle long-term." Episode references: Pew Social Trends - Suburban Statistics: https://www.pewresearch.org/social-trends/2018/05/22/demographic-and-economic-trends-in-urban-suburban-and-rural-communities/ 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 3130: Corey Allan explores practical ways couples can navigate disagreements without damaging their connection, especially when core values or lifestyle changes like minimalism are at stake. Drawing on insights from marital research, he outlines respectful communication strategies that allow each partner to stay true to themselves while nurturing the relationship. Read along with the original article(s) here: https://www.becomingminimalist.com/communicating-with-your-partner/ Quotes to ponder: "Problems in marriage are inevitable. The question is, can you remain satisfied in your marriage in spite of differences?" "Respect is defined as not trying directly or indirectly to change anyone." "If you're over-functioning for someone, you are under-functioning for yourself." Episode references: The Seven Principles for Making Marriage Work by John Gottman: https://www.amazon.com/Seven-Principles-Making-Marriage-Work/dp/0609805797 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 3129: Jamie Cattanach breaks down the truth behind enticing 0% APR credit card offers, revealing how easily they can turn into a debt trap if you're not careful. By understanding the fine print and developing disciplined repayment habits, you can use these promotions strategically instead of falling victim to them. Read along with the original article(s) here: https://moneyminiblog.com/credit-cards/0-apr/ Quotes to ponder: "That 0% APR offer means the card charges no interest, but it's almost always a temporary deal." "It's always best not to spend money you don't have, anyway, so if you want to open that new line of credit, just pretend it does accrue interest and pay it off in full every month regardless." "When used responsibly, credit cards can be a fantastic financial tool." 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 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X 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 3127: Wanderer breaks down how to access your 401(k) funds before age 59½ without paying penalties, using a strategy called the Roth Conversion Ladder. By carefully rolling over 401(k) funds into a Traditional IRA and then converting to a Roth IRA within tax-free limits each year, you can build a systematic way to unlock your retirement savings early and maximize tax efficiency. Read along with the original article(s) here: https://www.millennial-revolution.com/invest/get-money-401k-59-1-2/ Quotes to ponder: "Money inside your 401(k) is kinda like a raw pot roast. You can't eat it right away." "It's all based on the IRS rule that Roth IRA conversions, rather than contributions, can be withdrawn penalty-free 5 years after the conversion has taken place." "When you do quit, you roll-over all of them into a Traditional IRA. This is done tax-free." Episode references: How to access retirement funds early by Mad Fientist: https://www.madfientist.com/how-to-access-retirement-funds-early/ 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 3126: Lisa Harrison introduces FIOR, Financial Independence/Optional Retirement, as a flexible alternative to traditional FIRE, offering a more realistic and enjoyable path toward financial security without the pressure of extreme frugality or early retirement. Her approach emphasizes maintaining a strong savings rate while allowing for life's pleasures, making work more enjoyable, reducing the need for side hustles, and ultimately giving individuals more freedom and options. Read along with the original article(s) here: https://madmoneymonster.com/2019/11/11/5-reasons-ditching-fire-for-fior-might-be-your-best-financial-move/ Quotes to ponder: "By adopting FIOR, you'll be able to enjoy life along the way by not having to be extreme in all areas." "The more money you stash away for your future, the more secure you're going to feel and the more fun your day job will likely become because, wait for it, you won't need it." "FIOR gives you options. When you're on the path to FIOR and you reach FI, you have the option to quit your job, change jobs, stay on the job, or anything else you can dream up." 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 3125: Jeff Rose highlights five often-overlooked non-medical factors that can significantly influence your life insurance premiums, offering practical advice to help you better position yourself for affordable coverage. Understanding these variables empowers you to make smarter lifestyle and financial choices that protect both your wallet and your loved ones. Read along with the original article(s) here: https://www.goodfinancialcents.com/top-5-non-medical-factors-that-affect-your-life-insurance-rates/ Quotes to ponder: "Your credit score is more than just a number to lenders; it can also impact your life insurance rates." "Some occupations, like pilots, loggers, or deep-sea fishermen, carry a higher risk in the eyes of insurance companies." "Traveling to certain countries can be seen as a red flag by life insurance underwriters." 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 3124: Tynan breaks down how intentional, creative decision-making can fund a fulfilling life at a fraction of the expected cost. By rethinking needs and eliminating unnecessary spending, he designs a lifestyle supported by minimal income but filled with freedom, autonomy, and adventure. Read along with the original article(s) here: http://tynan.com/the-zero-cost-lifestyle Quotes to ponder: "Figure out what you really want to do, and then figure out the absolute cheapest way to do it." "I eat perfect food that I love, live in the exact spot that I want to live, and I spend my free time doing what I want to do." "The real appeal of the zero cost lifestyle is that it is incredibly liberating. You get your time back." Episode references: Alcor Life Extension Foundation: https://www.alcor.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 3123: Sam from Financial Samurai argues that true happiness stems more from how much we save than how much we earn. Backed by compelling survey data and personal anecdotes, he illustrates how saving creates peace of mind, freedom, and long-term satisfaction, far outweighing the temporary highs of spending or earning more. Read along with the original article(s) here: https://www.financialsamurai.com/they-key-to-happiness-is-saving-more-not-making-more-money/ Quotes to ponder: "The more you save, the more likely you are to be happy." "Saving money affects happiness MORE than how much you earn." "There is no happiness plateau with saving money in the survey because savings gives people peace of mind, pride, and independence." Episode references: Healing Back Pain by Dr. John Sarno: https://www.amazon.com/Healing-Back-Pain-Mind-Body-Connection/dp/0446392308 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 3122: Ross Enamait challenges the culture of passively consuming advice by urging readers to test ideas for themselves, embrace trial and error, and trust personal experience over hearsay. His no-nonsense approach empowers individuals to take ownership of their growth, both physically and mentally, by replacing excuses with action. Read along with the original article(s) here: http://rosstraining.com/blog/2014/03/04/find-out-for-yourself/ Quotes to ponder: "Instead of believing what you hear, find out for yourself." "You'll never know what you are capable of if you are too afraid to try." "The more you do, the more you'll learn about what works for you." 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 3121: Gordon Stein shares a powerful personal story of turning a naïve rental mistake into a hands-on education in home construction, gaining invaluable trade skills that paid dividends for decades. His experience reveals how a mindset of curiosity and learning can transform setbacks into lifelong opportunities for growth and financial gain. Read along with the original article(s) here: https://cashflowcookbook.com/the-hidden-wealth-opportunity/ Quotes to ponder: "Then came the unholy suggestion that the work would go faster if I helped him." "I traded some long work days for a lifetime of skills." "Work to learn, not to earn." Episode references: The Obstacle Is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358 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 3120: Paula Pant challenges extreme attitudes toward debt, showing how both blind borrowing and rigid debt aversion can hurt your financial future. With a nuanced perspective, she explores how strategic debt, particularly in education, can lead to massive returns, but only if you carefully evaluate the risks, opportunities, and real-life trade-offs. Read along with the original article(s) here: https://affordanything.com/debt-is-a-good-thing/ Quotes to ponder: "Both attitudes will make you poor." "It's much easier to get in debt than it is to get out." "Your house is a lousy investment. But a student loan has the potential to provide amazing returns." Episode references: Georgetown University Report on College ROI: https://cew.georgetown.edu/cew-reports/the-college-payoff/ 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 3119: Kevin from Financial Panther challenges the flashy narratives of quick wealth by highlighting the true value of betting big on yourself. Through honest reflections on career pivots, sunk costs, and slow-building success, he reminds us that long-term, self-driven investments yield the most meaningful returns. Read along with the original article(s) here: https://financialpanther.com/if-youre-going-to-bet-big-bet-on-yourself-first/ Quotes to ponder: "If you're going to make big bets, at least bet on yourself first before you bet on someone else." "When you get married or have kids or go to school, you're making a huge bet. These are all-in decisions we make." "The only thing I do know is that if you give yourself time, most of the time, you'll probably do okay." 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 3118: Kristin Wong shares a cautionary tale about how obsessive saving can backfire, highlighting how unrealistic budgeting and neglecting real-life spending patterns led her to rack up overdraft fees and lose peace of mind. Her journey emphasizes that true financial growth comes not from rigid saving but from realistic tracking, mindful spending, and striking a healthy balance. Read along with the original article(s) here: https://www.getrichslowly.org/how-saving-money-cost-me-money/ Quotes to ponder: "If your money is costing you peace of mind, why are you saving it?" "I wanted the instant gratification of seeing $6,500. I would leave myself nothing just so I could see that number." "Money is more about mind than it is about math." 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 3117: Mr. 1500 reflects on the unexpected power of being a quiet catalyst in someone else's financial journey. Through small, intentional actions, like gifting a book or leading by example, we can profoundly influence others to pursue financial independence and change the trajectory of their lives. Read along with the original article(s) here: https://www.1500days.com/be-an-inflection-point-to-somone/ Quotes to ponder: "You may not have $1,000,000 saved yet, but you have the knowledge to get there. And knowledge is power." "Don't underestimate yourself. YOU have the ability to make a difference. A big one." "Never preach, act judgy, or talk down. Lead by example." Episode references: Playing with FIRE (Film): https://playingwithfire.co/ Choose FI Local Groups: https://www.choosefi.com/local-groups/ The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 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 3116: Kumiko Love breaks down index funds in a simple, approachable way, showing how they can be a powerful, low-cost investment tool for long-term financial growth. With relatable explanations and clear comparisons, she empowers beginners to take confident steps toward building wealth through consistent investing. Read along with the original article(s) here: https://www.thebudgetmom.com/what-you-should-know-about-index-funds/ Quotes to ponder: "Index funds are one of the easiest, low-cost ways to invest in the stock market." "Rather than trying to beat the market, index funds aim to mirror it." "Because index funds don't require a fund manager to actively pick stocks, they usually have lower fees." Episode references: Fidelity - Index Funds: https://www.fidelity.com/mutual-funds/index-funds/overview Investopedia - Index Fund Definition: https://www.investopedia.com/terms/i/indexfund.asp 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 3115: The Mad Fientist offers a raw, behind-the-scenes look at the emotional and psychological shifts he experienced after achieving early retirement. Rather than pure bliss, he discovered unexpected challenges in identity, motivation, and meaning, insights that can help others prepare for what financial freedom really feels like. Read along with the original article(s) here: https://www.madfientist.com/early-retirement-preview/ Quotes to ponder: "All the things I thought I wanted to do when I stopped working didn't actually bring me as much happiness as I imagined they would." "With nothing I had to do and no one telling me what to do, I started to feel a bit lost." "Achieving the goal of financial independence is not the end; it's the beginning of a new and potentially more difficult journey." Episode references: The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 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 3114: Mia outlines a gentle yet practical path to uncovering your life's passion by tuning into what excites you, experimenting without pressure, and aligning with your natural strengths. Her approach focuses on curiosity and self-compassion, making the journey to clarity feel inspiring rather than overwhelming. Read along with the original article(s) here: https://shedreamsallday.com/how-to-find-your-passion-in-life/ Quotes to ponder: "Passion isn't something you find under a rock. It's something that builds and grows over time through experimentation, curiosity, and action." "You won't find your passion by sitting still and thinking about it all day. You find it by doing." "The goal is to follow your curiosity even if it doesn't make sense at the time." Episode references: 16Personalities: https://www.16personalities.com/ Myers-Briggs Personality Test: https://www.truity.com/test/type-finder-personality-test-new Ikigai: https://www.amazon.com/Ikigai-Japanese-Secret-Long-Happy/dp/0143130722 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 3113: Red shares her raw, firsthand experience of battling credit card debt, offering six empowering strategies to regain control and silence relentless creditors. From knowing your legal rights to negotiating smarter repayment plans, her advice helps turn fear into action and financial freedom. Read along with the original article(s) here: https://www.budgetsaresexy.com/6-ways-to-knock-out-creditors/ Quotes to ponder: "I easily received 15 phone calls a day. Sometimes they would leave a voicemail, but I deleted it without listening." "You'll need a realistic budget to get out of this debt, and seeing the light at the end of the tunnel is better than blindly making minimum payments." "Most companies will reduce your interest rate if they know it increases the odds of getting some of their money back." Episode references: The Pew Charitable Trust report on debt collection lawsuits: https://www.pewtrusts.org/en/research-and-analysis/reports/2020/05/how-debt-collectors-are-transforming-the-business-of-state-courts The Fair Debt Collection Practices Act: https://www.consumerfinance.gov/rules-policy/regulations/1006/ 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 3112: Chris Mamula reflects on the costly mistake of blindly trusting a financial advisor, a decision that led to years of excessive fees and missed investment growth. His story exposes how common and dangerous it is to rely on referrals for financial advice in a financially illiterate society, underscoring the life-changing power of self-education in investing. Read along with the original article(s) here: https://www.caniretireyet.com/the-worst-investment-advice-i-ever-heard-everywhere Quotes to ponder: "We later learned we paid approximately eight times more in hidden fees than we thought we were by following his investment advice." "The worst advice, which I read and hear frequently, is that you should find a good financial advisor by seeking the recommendation of someone you trust." "There is no substitute to self education. Those unwilling to learn are destined to repeat these same mistakes." Episode references: The White Coat Investor: https://www.amazon.com/White-Coat-Investor-Financial-Doctors/dp/0991433106 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 3111: Sean Owen highlights the powerful appeal of Dividend Aristocrats, companies that have raised their dividends for at least 25 consecutive years, demonstrating how these “boring” stocks can deliver exceptional long-term results and reliable income. Through Buffett's Coca-Cola example and simple ETF options, the article makes a compelling case for patient investors seeking stability, compounding returns, and financial peace of mind. Read along with the original article(s) here: https://www.mrmoneymustache.com/2012/01/02/guest-posting-the-dividend-aristocrats/ Quotes to ponder: "A company that pays steadily rising dividends is a company that makes so much money, year after year, that it simply can't use it all." "If a company ever misses a single dividend payment, or ever fails to give investors a raise, then it is booted out, and must start that 25-year clock all over again." "When you stay focused on collecting your paychecks from the companies you own, rather than the share price, you can ignore the wild fluctuations in the stock market." Episode references: SPDR S&P Dividend ETF (SDY): https://www.ssga.com/us/en/individual/etfs/funds/spdr-sp-portfolio-s-p-dividend-etf-sdy Berkshire Hathaway Shareholder Letters: https://www.berkshirehathaway.com/letters/letters.html 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 3110: ESI draws on Warren Buffett's powerful analogy of career value as an investment, revealing how communication skills, particularly public speaking, can boost that value by 50%. Backed by personal experience, ESI makes the case that refining how you speak and write can significantly increase lifetime earnings, making communication a high-ROI skill worth mastering. Read along with the original article(s) here: https://esimoney.com/grow-value-career-50/ Quotes to ponder: "Right now, I would pay $100,000 for 10 percent of the future earnings of any of you, so if you're interested, see me after class." "Now, you can improve your value by 50 percent just by learning communication skills - public speaking." "You can't speak your way to success, at some point you need to deliver the goods as well." 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 3109: Joel shares his firsthand experience entering the world of hard money lending, revealing how he turned passive capital into consistent, high-yield returns. With clear explanations and real-life numbers, he demystifies this niche investment strategy while offering practical advice for anyone curious about lending their money wisely. Read along with the original article(s) here: https://5amjoel.com/hard-money-lending/ Quotes to ponder: "Hard money lending is when you loan your personal money to a real estate investor, and you earn monthly interest." "I made $10,000 in 10 months, and I didn't lift a finger." "This is NOT a get-rich-quick scheme. It's slow, consistent, and fairly boring." Episode references: BiggerPockets Forums: https://www.biggerpockets.com/forums The Book on Investing In Real Estate with No (and Low) Money Down: https://www.amazon.com/Book-Investing-Real-Estate-Money/dp/1947200976 Hard Money University: https://www.hardmoneyuniversity.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 3108: Emily Guy Birken explores how growing up poor can shape a limiting money mindset through a diminished sense of control, leading to reactive financial habits and difficulty delaying gratification. By learning to shift from an external to an internal locus of control, listeners can rewire old belief patterns, reclaim agency, and start making empowered financial decisions rooted in self-awareness. Read along with the original article(s) here: https://ptmoney.com/overcome-money-mindset-issues-grew-poor/ Quotes to ponder: "Feeling as though you have control over your life is a big factor in making good financial decisions." "Waiting patiently for a larger, later reward is what investing is all about, after all." "Successful people know that looking within is the only way to realize your dreams." 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 3107: James Altucher breaks down the emotional, financial, and psychological reasons he's sworn off homeownership for good, arguing that buying a house is less of an investment and more of a trap. With sharp wit and hard-earned experience, he shows why renting offers freedom, flexibility, and far fewer hidden costs, making it a smarter lifestyle choice for those who value cash, time, and peace of mind. Read along with the original article(s) here: https://jamesaltucher.com/blog/why-i-am-never-going-to-own-a-home-again/ Quotes to ponder: "I want to fill a bathtub with all the dollar bills I would've used as a down payment on a house. I want to bathe in that bathtub." "Saying 'my house is an investment' forgets the fact that a house has all the qualities of the ugliest type of investment." "Do you feel like you can't accomplish something in life until you own a house? Examine the real reasons you want to own and make sure they are coming from a good spot in your heart." Episode references: S&P 500 Index (for comparison): https://www.spglobal.com/spdji/en/indices/equity/sp-500/#overview 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 3106: Vitaliy Katsenelson reflects on what he calls his single greatest achievement - not a professional accolade, but raising children who are kind, curious, and emotionally resilient. Through touching stories and hard-earned lessons, he reveals how parenting shaped his values and challenged his ego, offering a deeply human look at what truly matters. Read along with the original article(s) here: https://contrarianedge.com/my-single-greatest-achievement/ Quotes to ponder: "My kids are my single greatest achievement. They are kind, smart, curious, and caring people." "Kids are not a project you can complete or a problem you can solve - they are human beings you help shape." "Being a parent made me realize how little control I have over the world and how much influence I have over what kind of father I choose to be." Episode references: How to Talk So Kids Will Listen & Listen So Kids Will Talk: https://www.amazon.com/How-Talk-Kids-Will-Listen/dp/0743525086 Raising An Emotionally Intelligent Child: https://www.amazon.com/Raising-Emotionally-Intelligent-Child-Heart/dp/0684838656 The Road Less Traveled: https://www.amazon.com/Road-Less-Traveled-Timeless-Traditional/dp/0743243153 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 3105: Vicki Cook and Amy Blacklock outline powerful strategies to shift from a scarcity mindset to one of abundance, unlocking financial clarity and emotional well-being. Their guidance encourages gratitude, generosity, and mindful living, helping you break free from limiting beliefs and align your lifestyle with your deepest values. Read along with the original article(s) here: https://womenwhomoney.com/adopting-abundance-mindset-important/ Quotes to ponder: “No one has ever become poor by giving.” “Reducing the time you spend connected to the TV or social media will boost your happiness and decrease your desire to waste money.” “When you get caught up competing with them, you end up with everything they wanted and not what you want.” Episode references: Anne Frank quote reference: https://www.goodreads.com/quotes/1905-no-one-has-ever-become-poor-by-giving Gratitude research - Greater Good Science Center: https://greatergood.berkeley.edu/topic/gratitude/definition Shoshin (Beginner's Mind): https://en.wikipedia.org/wiki/Shoshin 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 3104: Vicki Cook and Amy Blacklock explore how shifting from a scarcity to an abundance mindset can drastically reshape your relationship with money, success, and self-worth. By taking ownership of your decisions and embracing the belief that there's enough to go around, you'll unlock a path to greater opportunity, confidence, and financial well-being. Read along with the original article(s) here: https://womenwhomoney.com/adopting-abundance-mindset-important/ Quotes to ponder: "Your mindset can affect things like how you learn, manage stress, and handle risk." "In this paradigm, 'there is plenty out there and enough to spare for everybody.'" "People who think abundantly have real financial security because they make things happen and go after what they want." Episode references: The Obstacle Is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358 The 7 Habits of Highly Effective People: https://www.franklincovey.com/the-7-habits/ 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 3103 Christina Browning dismantles the illusion of credibility surrounding investment news channels, revealing how their focus on sensationalism, jargon, and short-term hype undermines real financial growth. Instead of empowering viewers with sound strategies, these shows promote herd behavior and distract from proven paths like long-term index investing and the FIRE movement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/the-truth-about-investment-news-channels-dont-fall-for-them Quotes to ponder: "Investing News Channels are NOT the answer. Seriously, DO NOT LISTEN TO THEM." "These shows are entertainment and that's it!" "It is impossible to ever accurately and consistently predict the stock market." Episode references: The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 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 3102: Liz of Frugalwoods makes a compelling case for tuning out market noise and focusing instead on the variables you can control, like saving more, earning more, and investing consistently. Her down-to-earth wisdom reminds us that emotional reactions to stock volatility are distractions from the real drivers of long-term wealth: discipline, low fees, and the magic of compounding. Read along with the original article(s) here: https://www.frugalwoods.com/2016/01/20/why-we-ignore-the-stock-market-and-you-should-too-demystifying-personal-finance-part-4/ Quotes to ponder: "I'm not going to tell you how to optimize your investments or beat the market or pick that one hot fund - why not? Because I don't know how to and neither does anyone else." "My approach to all things in life is to control what I can and to categorically ignore/let go of the things I can't." "Pulling in and out of the market when you feel the slightest twinge of panic is a great way to ensure you'll never make any money from your investments." Episode references: FSTVX - Fidelity Total Market Index Fund (now FXAIX): https://www.fidelity.com/mutual-funds/fidelity-funds/overview Personal Finance Club by Jeremy Schneider: https://www.personalfinanceclub.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 3101: Mike Ballew highlights four major threats to your retirement goals, unexpected health issues, job loss, dependent adult children, and the loss of a partner, and offers clear strategies to stay financially resilient. This article encourages proactive planning and smart boundary-setting, reminding us that while we can't control everything, we can prepare for a lot. Read along with the original article(s) here: https://eggstack.com/blog/2021-11-21-Four-Things-That-Can-Derail-Your-Retirement-Plans/ Quotes to ponder: "Almost half of all current retirees were forced to retire earlier than planned due to unforeseen circumstances such as health issues." "Instead of saving for retirement, too many parents are providing financial support for adult children who are perfectly capable of supporting themselves." "Social Security was never meant to be a retiree's sole source of income and it is woefully inadequate to sustain the typical American lifestyle." 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 3100: Jackie Beck shares a simple yet powerful mindset shift for tackling overwhelming debt by breaking it down into small, consistent actions, the one-bite method. By focusing on progress over perfection and celebrating every win, even the tiniest payment can spark the momentum needed to achieve lasting financial freedom. Read along with the original article(s) here: https://www.jackiebeck.com/one-bite-method/ Quotes to ponder: "You've got to celebrate every little bit of progress. And then do it again, 'til one day you'll have polished off the whole thing." "You don't have to see exactly how things will happen in order to make them happen." "The key to the one-bite method is absolutely to stay focused on your progress so that you keep going." Episode references: Thomas Fuller quote: https://www.brainyquote.com/quotes/thomas_fuller_106054 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 3099: Michelle Schroeder-Gardner offers practical, empowering tips to help you stay motivated while tackling debt and sticking to a budget. By visualizing goals, celebrating small wins, and fostering a mindset of appreciation over consumption, you'll build lasting habits that lead to financial freedom and a more intentional life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/how-to-stick-to-a-budget-financial-motivation.html Quotes to ponder: "Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible." "Making your goal visual is a great way to find motivation." "You can still enjoy life, do many of the same things you usually do, and so on." Episode references: Personal Capital: https://www.personalcapital.com Mint: https://mint.intuit.com A Cultivated Nest: https://acultivatednest.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 3098: Nia Shanks explores how the nocebo effect, the harmful counterpart to the placebo, shows up in everyday life when we believe negative outcomes into existence. She reveals how self-limiting beliefs, reinforced by fitness myths and personal narratives, can derail progress and offers a mindset shift that empowers lasting change. Read along with the original article(s) here: https://niashanks.com/nocebo-effect-thinking-your-way-to-failure/ Quotes to ponder: "Your thoughts and beliefs can act like a nocebo, leading to poorer outcomes simply because you expect them." "Being told you're 'broken' or have to train a certain way can plant seeds of doubt that sabotage your progress." "You are not fragile, and your body is not a ticking time bomb waiting to explode if you move 'wrong.'" Episode references: The Nocebo Effect: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6534344/ 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 3097: Joshua Fields Millburn challenges the belief that income alone leads to happiness, emphasizing instead the transformative power of daily habits and intentional living. He also addresses the importance of preparing for the inevitable, death, not to live in fear, but to experience greater peace of mind and clarity in the present. Read along with the original article(s) here: https://www.theminimalists.com/money-habits/  &  https://www.theminimalists.com/death/ Quotes to ponder: "Once we earn $X, we quickly discover that the equation is broken." "A much better conductor of individual contentment, then, has little to do with money: our daily habits." "We needn't be afraid, though just prepared." Episode references: LegalZoom: https://www.legalzoom.com/ WikiHow – How to Write a Will: https://www.wikihow.com/Write-a-Will 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 3096: Michelle Schroeder-Gardner encourages finding a balance between financial goals and enjoying life, especially when dealing with debt. She shares practical strategies for traveling affordably like budgeting, staycations, and using credit card rewards while emphasizing the importance of not adding to your debt in the process. Read along with the original article(s) here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.html Quotes to ponder: "You can still enjoy life on a budget, but it's all about having a good balance and seeking out what will work best for your situation." "To take a vacation, you should never take on debt. Taking on debt to travel will just dig your debt hole even deeper." "Vacations are great and all, but taking on debt to go on them is 99.999999% of the time not worth it." Episode references: Gusto Payroll: https://gusto.com/ Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred 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 3095: Brian Tracy breaks down the habits and mindset shifts that separate those who only look rich from those who are rich. Learn how adopting long-term thinking, discipline, and a focus on wealth-building behaviors can lead to true financial independence - regardless of your current income. Read along with the original article(s) here: https://www.briantracy.com/blog/financial-success/look-rich-or-be-rich-develop-a-millionaire-mindset-to-achieve-financial-independence-wealthy-people/ Quotes to ponder: “People who look rich often have little or no money saved. They work to earn and then spend everything on the outward appearance of success.” “People who are really rich are more concerned with building and maintaining wealth over time than with showing it off.” “You become what you think about most of the time. If you think about financial independence and becoming wealthy, you begin to do the things that will make it a reality.” Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Think and Grow Rich: https://www.amazon.com/Think-Grow-Rich-Landmark-Bestseller/dp/1585424331 Rich Dad Poor Dad: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612681131 The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111 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 3094: Wanderer shares powerful insights from Chautauqua UK, revealing how financial healing starts with self-forgiveness. When we release the shame of past money mistakes, we unlock the clarity and creativity needed to move forward and take control of our financial future. Read along with the original article(s) here: https://www.millennial-revolution.com/build/why-you-have-to-forgive-yourself/ Quotes to ponder: "Let's pretend that whoever screwed up in the past was a different person, and that person's gone now." "The only thing that matters is what you do starting now." Episode references: Camp FI: https://campfi.org 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 3093: Julianna Poplin explores the often-overlooked tension between simplicity and frugality, sharing her journey from obsessive bargain hunting to more mindful consumer habits. She encourages listeners to consider the true cost of “cheap” purchases, including time, stress, and clutter, and offers reflective questions to help find a balance that aligns with their values. Read along with the original article(s) here: https://www.thesimplicityhabit.com/how-to-balance-simplicity-and-frugality/ Quotes to ponder: "You are going to pay with something. It will typically either be time or money." "Frugality ceases to be an asset when you are buried under a pile of bargain items." "It isn't frugal to buy unnecessary items no matter how inexpensive they were." Episode references: The Minimalists (Joshua Fields Milburn quote): https://www.theminimalists.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 3092: J.D. Roth challenges the notion that paying off debt requires extreme austerity, advocating instead for a balanced, sustainable approach. By gradually building frugal habits and allowing room for joy, you can make progress toward financial freedom without feeling deprived or overwhelmed. Read along with the original article(s) here: https://www.getrichslowly.org/should-repaying-debt-be-an-obsession/ Quotes to ponder: "You paid off $35,000 in debt in just over three years. Does that mean you were balls-to-the-wall dedicated and had no frills and were dour-faced the whole time?" "Most people who leap from a lifestyle of deficit-spending to one of extreme frugality find the waters very, very cold." "Yes, thrift and frugality are important tools to meeting your financial goals. But I believe it's important to develop sustainable financial goals." Episode references: Frugalwoods blog: https://www.frugalwoods.com Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Mr. Money Mustache blog: https://www.mrmoneymustache.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 3091: A Purple Life reflects on how car ownership once symbolized freedom in traffic-choked Atlanta, only to become a stressful time sink that fueled a lifelong commitment to living carfree. By designing a life around walkability, public transit, and intentional limits, she highlights the financial and mental freedom that can come from rejecting car culture entirely. Read along with the original article(s) here: https://apurplelife.com/2018/07/24/carfree-for-life/ Quotes to ponder: "Every. Single. Day. This is when I learned I never wanted to own a car or have a car commute again." "It felt like I was staring into the abyss of my commuting future." "I'll happily substitute owning a car with a mix of public transit, walking and using the sharing economy." Learn more about your ad choices. Visit megaphone.fm/adchoices