Podcast appearances and mentions of michelle schroeder gardner

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 3548: Michelle Schroeder-Gardner challenges the idea that fun requires spending big, showing how simple, intentional choices can lead to a more fulfilling life without financial stress. From creative social gatherings to smart use of discounts and local resources, her ideas help you enjoy meaningful experiences while staying aligned with your budget. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/04/how-to-enjoy-life-without-going-broke.html Quotes to ponder: "If you can trust yourself with credit cards, then you may want to try earning some free travel or free gift cards by using your credit card just like you normally would." "Life isn't all about money though, and there are plenty of ways to have fun without going broke." "If there is something that you know you plan on buying, you should always try seeing if there is a coupon or discount out there first." Episode references: RetailMeNot: https://www.retailmenot.com Groupon: https://www.groupon.com LivingSocial: https://www.livingsocial.com Airbnb: https://www.airbnb.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 3548: Michelle Schroeder-Gardner challenges the idea that fun requires spending big, showing how simple, intentional choices can lead to a more fulfilling life without financial stress. From creative social gatherings to smart use of discounts and local resources, her ideas help you enjoy meaningful experiences while staying aligned with your budget. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/04/how-to-enjoy-life-without-going-broke.html Quotes to ponder: "If you can trust yourself with credit cards, then you may want to try earning some free travel or free gift cards by using your credit card just like you normally would." "Life isn't all about money though, and there are plenty of ways to have fun without going broke." "If there is something that you know you plan on buying, you should always try seeing if there is a coupon or discount out there first." Episode references: RetailMeNot: https://www.retailmenot.com Groupon: https://www.groupon.com LivingSocial: https://www.livingsocial.com Airbnb: https://www.airbnb.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 3548: Michelle Schroeder-Gardner challenges the idea that fun requires spending big, showing how simple, intentional choices can lead to a more fulfilling life without financial stress. From creative social gatherings to smart use of discounts and local resources, her ideas help you enjoy meaningful experiences while staying aligned with your budget. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/04/how-to-enjoy-life-without-going-broke.html Quotes to ponder: "If you can trust yourself with credit cards, then you may want to try earning some free travel or free gift cards by using your credit card just like you normally would." "Life isn't all about money though, and there are plenty of ways to have fun without going broke." "If there is something that you know you plan on buying, you should always try seeing if there is a coupon or discount out there first." Episode references: RetailMeNot: https://www.retailmenot.com Groupon: https://www.groupon.com LivingSocial: https://www.livingsocial.com Airbnb: https://www.airbnb.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 3521: Michelle Schroeder-Gardner challenges the common excuses that keep people stuck in financial stress, showing how mindset, not income, is often the biggest barrier to saving. By confronting these beliefs and taking small, intentional steps, you can build savings, reduce debt, and create long-term financial security without sacrificing your quality of life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/05/stop-using-these-excuses-for-not-saving-money.html Quotes to ponder: “I used to always give myself excuses as well but then realized that I was just lying to myself.” “The truth is that you can still live a great life AND save money.” “It's never too late to start saving money. Every little bit helps and it can drastically change your future.” 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 3521: Michelle Schroeder-Gardner challenges the common excuses that keep people stuck in financial stress, showing how mindset, not income, is often the biggest barrier to saving. By confronting these beliefs and taking small, intentional steps, you can build savings, reduce debt, and create long-term financial security without sacrificing your quality of life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/05/stop-using-these-excuses-for-not-saving-money.html Quotes to ponder: “I used to always give myself excuses as well but then realized that I was just lying to myself.” “The truth is that you can still live a great life AND save money.” “It's never too late to start saving money. Every little bit helps and it can drastically change your future.” 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 3521: Michelle Schroeder-Gardner challenges the common excuses that keep people stuck in financial stress, showing how mindset, not income, is often the biggest barrier to saving. By confronting these beliefs and taking small, intentional steps, you can build savings, reduce debt, and create long-term financial security without sacrificing your quality of life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/05/stop-using-these-excuses-for-not-saving-money.html Quotes to ponder: “I used to always give myself excuses as well but then realized that I was just lying to myself.” “The truth is that you can still live a great life AND save money.” “It's never too late to start saving money. Every little bit helps and it can drastically change your future.” 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 3496: Michelle Schroeder-Gardner challenges the common habit of renting storage units, revealing how easily small monthly fees can turn into thousands of dollars spent on things rarely used. By sharing her own experience and eye-opening statistics about how much stuff people own, she encourages a mindset shift toward decluttering and intentional living. Her perspective highlights how letting go of excess possessions can save money and simplify life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/11/paying-storage-unit-cost-waste-money.html Quotes to ponder: "You really do not need all of that stuff in your house." "If you're storing your belongings, there is a big chance that you'll never use those items." "Even if $100 doesn't seem like much, that's $6,000 over a 5 year period." Episode references: Regina Lark Professional Organizer Website: https://www.reginalark.com U.S. Census Bureau – Average Home Size Data: https://www.census.gov 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 3496: Michelle Schroeder-Gardner challenges the common habit of renting storage units, revealing how easily small monthly fees can turn into thousands of dollars spent on things rarely used. By sharing her own experience and eye-opening statistics about how much stuff people own, she encourages a mindset shift toward decluttering and intentional living. Her perspective highlights how letting go of excess possessions can save money and simplify life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/11/paying-storage-unit-cost-waste-money.html Quotes to ponder: "You really do not need all of that stuff in your house." "If you're storing your belongings, there is a big chance that you'll never use those items." "Even if $100 doesn't seem like much, that's $6,000 over a 5 year period." Episode references: Regina Lark Professional Organizer Website: https://www.reginalark.com U.S. Census Bureau – Average Home Size Data: https://www.census.gov 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 3496: Michelle Schroeder-Gardner challenges the common habit of renting storage units, revealing how easily small monthly fees can turn into thousands of dollars spent on things rarely used. By sharing her own experience and eye-opening statistics about how much stuff people own, she encourages a mindset shift toward decluttering and intentional living. Her perspective highlights how letting go of excess possessions can save money and simplify life. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/11/paying-storage-unit-cost-waste-money.html Quotes to ponder: "You really do not need all of that stuff in your house." "If you're storing your belongings, there is a big chance that you'll never use those items." "Even if $100 doesn't seem like much, that's $6,000 over a 5 year period." Episode references: Regina Lark Professional Organizer Website: https://www.reginalark.com U.S. Census Bureau – Average Home Size Data: https://www.census.gov 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 1949: Michelle Schroeder-Gardner shares the turning points that led her to leave traditional employment and embrace full-time self-employment. From Sunday dread to feeling a lack of control and recognizing her growing side income, her journey offers powerful insight into knowing when it's time to take a leap and reclaim your work-life balance. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/05/how-i-knew-i-couldnt-continue-working-for-someone-else.html Quotes to ponder: "My side income was higher than my day job income." "I wasn't in control. Now, I feel way more in control since I am my own boss." "Just like how freelancing isn't for everyone, my day job was definitely not for me."

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 1949: Michelle Schroeder-Gardner shares the turning points that led her to leave traditional employment and embrace full-time self-employment. From Sunday dread to feeling a lack of control and recognizing her growing side income, her journey offers powerful insight into knowing when it's time to take a leap and reclaim your work-life balance. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/05/how-i-knew-i-couldnt-continue-working-for-someone-else.html Quotes to ponder: "My side income was higher than my day job income." "I wasn't in control. Now, I feel way more in control since I am my own boss." "Just like how freelancing isn't for everyone, my day job was definitely not for me." 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 3435: Michelle Schroeder-Gardner explores how a no spend challenge can transform your financial habits, reduce clutter, and even boost your health and motivation. By cutting out unnecessary purchases, whether it's clothes, sweets, or impulse buys, this practice helps you become more intentional with money and make use of what you already have. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/the-power-of-a-no-spend-challenge.html Quotes to ponder: "By taking part in a no spend challenge, you can prevent yourself from cluttering your life with items you do not need." "You will also realize what items you probably shouldn't buy anymore because they are a waste of money." "Challenging yourself and analyzing your spending can help you be more aware of where your money is going." Episode references: U.S. National Park Free Days: https://www.nps.gov/planyourvisit/fee-free-parks.htm 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 3435: Michelle Schroeder-Gardner explores how a no spend challenge can transform your financial habits, reduce clutter, and even boost your health and motivation. By cutting out unnecessary purchases, whether it's clothes, sweets, or impulse buys, this practice helps you become more intentional with money and make use of what you already have. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/the-power-of-a-no-spend-challenge.html Quotes to ponder: "By taking part in a no spend challenge, you can prevent yourself from cluttering your life with items you do not need." "You will also realize what items you probably shouldn't buy anymore because they are a waste of money." "Challenging yourself and analyzing your spending can help you be more aware of where your money is going." Episode references: U.S. National Park Free Days: https://www.nps.gov/planyourvisit/fee-free-parks.htm 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 3435: Michelle Schroeder-Gardner explores how a no spend challenge can transform your financial habits, reduce clutter, and even boost your health and motivation. By cutting out unnecessary purchases, whether it's clothes, sweets, or impulse buys, this practice helps you become more intentional with money and make use of what you already have. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/the-power-of-a-no-spend-challenge.html Quotes to ponder: "By taking part in a no spend challenge, you can prevent yourself from cluttering your life with items you do not need." "You will also realize what items you probably shouldn't buy anymore because they are a waste of money." "Challenging yourself and analyzing your spending can help you be more aware of where your money is going." Episode references: U.S. National Park Free Days: https://www.nps.gov/planyourvisit/fee-free-parks.htm 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 2856: Michelle Schroeder-Gardner emphasizes the critical role regular budget meetings play in building financial awareness, trust, and collaboration within a household. By openly discussing income, expenses, and financial goals, couples can avoid miscommunication, prevent financial surprises, and create a united path toward long-term success. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/05/budget-meetings.html Quotes to ponder: "A family who has regular money talks and budget meetings is more likely to be financially successful and happy than a family that doesn't." "Money talks and budget meetings do not have to be excruciatingly long. They can be as short as 10 minutes, so there is no reason to not have them regularly." "Everyone should be aware of their financial situation. It's not fair for one person to manage it all, and you would be in for a rude awakening if something were to happen to that person."

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 2856: Michelle Schroeder-Gardner emphasizes the critical role regular budget meetings play in building financial awareness, trust, and collaboration within a household. By openly discussing income, expenses, and financial goals, couples can avoid miscommunication, prevent financial surprises, and create a united path toward long-term success. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/05/budget-meetings.html Quotes to ponder: "A family who has regular money talks and budget meetings is more likely to be financially successful and happy than a family that doesn't." "Money talks and budget meetings do not have to be excruciatingly long. They can be as short as 10 minutes, so there is no reason to not have them regularly." "Everyone should be aware of their financial situation. It's not fair for one person to manage it all, and you would be in for a rude awakening if something were to happen to that person." 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 1891: Michelle Schroeder-Gardner shares how she developed powerful work-life balance strategies by necessity, managing full-time work, school, and eventually running a business, all at once. Her insights offer practical, tested methods to help anyone manage their time better, reduce overwhelm, and prioritize what truly matters. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/09/how-im-a-work-life-balancing-master.html Quotes to ponder: "You need to place a value on tasks and see if your time is better spent elsewhere." "There is no right or wrong way of arranging your tasks." "If you don't have the time to do certain household tasks then you may want to see if there is any value in hiring out some of these tasks."  

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 1891: Michelle Schroeder-Gardner shares how she developed powerful work-life balance strategies by necessity, managing full-time work, school, and eventually running a business, all at once. Her insights offer practical, tested methods to help anyone manage their time better, reduce overwhelm, and prioritize what truly matters. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/09/how-im-a-work-life-balancing-master.html Quotes to ponder: "You need to place a value on tasks and see if your time is better spent elsewhere." "There is no right or wrong way of arranging your tasks." "If you don't have the time to do certain household tasks then you may want to see if there is any value in hiring out some of these tasks." 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 1858: Michelle Schroeder-Gardner reveals how she consistently earns over $50,000 a month through affiliate marketing, offering actionable tips that even beginners can apply. Learn how she strategically uses trust, relevance, and SEO to build sustainable passive income without overwhelming her audience or sounding salesy. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/06/affiliate-marketing-income.html Quotes to ponder: "The key to affiliate marketing is being honest and transparent with your readers." "It's all about being as genuine and helpful as possible." "Trust is incredibly important when it comes to affiliate marketing." Episode references: Bluehost: https://www.bluehost.com ShareaSale: https://www.shareasale.com

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 1858: Michelle Schroeder-Gardner reveals how she consistently earns over $50,000 a month through affiliate marketing, offering actionable tips that even beginners can apply. Learn how she strategically uses trust, relevance, and SEO to build sustainable passive income without overwhelming her audience or sounding salesy. Read along with the original article(s) here:⁠ https://www.makingsenseofcents.com/2016/06/affiliate-marketing-income.html⁠ Quotes to ponder: "The key to affiliate marketing is being honest and transparent with your readers." "It's all about being as genuine and helpful as possible." "Trust is incredibly important when it comes to affiliate marketing." Episode references: Bluehost:⁠ https://www.bluehost.com⁠ ShareaSale:⁠ https://www.shareasale.com

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 1858: Michelle Schroeder-Gardner reveals how she consistently earns over $50,000 a month through affiliate marketing, offering actionable tips that even beginners can apply. Learn how she strategically uses trust, relevance, and SEO to build sustainable passive income without overwhelming her audience or sounding salesy. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/06/affiliate-marketing-income.html Quotes to ponder: "The key to affiliate marketing is being honest and transparent with your readers." "It's all about being as genuine and helpful as possible." "Trust is incredibly important when it comes to affiliate marketing." Episode references: Bluehost: https://www.bluehost.com ShareaSale: https://www.shareasale.com

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 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter what life throws your way. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html Quotes to ponder: "Even if you can only manage $500 to $1,000 right now, that is better than nothing." "My problem with using credit cards as your sole source for an emergency fund is that it may lead to more debt in some situations." "You never know if something may come up, how big the expense may be, and whether or not you will have enough credit to fund the expense." 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 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter what life throws your way. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html Quotes to ponder: "Even if you can only manage $500 to $1,000 right now, that is better than nothing." "My problem with using credit cards as your sole source for an emergency fund is that it may lead to more debt in some situations." "You never know if something may come up, how big the expense may be, and whether or not you will have enough credit to fund the expense." 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 3287: Michelle Schroeder-Gardner explains why relying solely on credit cards for emergencies can be a risky financial strategy. She highlights how an emergency savings fund provides security, reduces stress, and protects against debt traps, offering peace of mind no matter what life throws your way. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html Quotes to ponder: "Even if you can only manage $500 to $1,000 right now, that is better than nothing." "My problem with using credit cards as your sole source for an emergency fund is that it may lead to more debt in some situations." "You never know if something may come up, how big the expense may be, and whether or not you will have enough credit to fund the expense." 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 3220: Michelle Schroeder-Gardner emphasizes five key strategies to strengthen your financial foundation, paying off high-interest debt, holding regular family money meetings, diversifying your income, saving for retirement, and tracking your money. These practical steps not only reduce stress but also empower you to make informed decisions, align your household around shared goals, and build long-term financial freedom. Read along with the original article(s) here: https://www.makingsenseofcents.com/2021/07/financial-success.html Quotes to ponder: "High-interest rate debt simply becomes more and more difficult to pay off over time as those interest charges build and build and become unmanageable." "Having regular money talks with your family usually means increased communication between partners, a unified financial goal, partners being more involved, and so on." "Even if you think that you love your job and will want to work forever, you never know what the future may bring." Episode references: Wealthfront: https://www.wealthfront.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 3220: Michelle Schroeder-Gardner emphasizes five key strategies to strengthen your financial foundation, paying off high-interest debt, holding regular family money meetings, diversifying your income, saving for retirement, and tracking your money. These practical steps not only reduce stress but also empower you to make informed decisions, align your household around shared goals, and build long-term financial freedom. Read along with the original article(s) here: https://www.makingsenseofcents.com/2021/07/financial-success.html Quotes to ponder: "High-interest rate debt simply becomes more and more difficult to pay off over time as those interest charges build and build and become unmanageable." "Having regular money talks with your family usually means increased communication between partners, a unified financial goal, partners being more involved, and so on." "Even if you think that you love your job and will want to work forever, you never know what the future may bring." Episode references: Wealthfront: https://www.wealthfront.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 3220: Michelle Schroeder-Gardner emphasizes five key strategies to strengthen your financial foundation, paying off high-interest debt, holding regular family money meetings, diversifying your income, saving for retirement, and tracking your money. These practical steps not only reduce stress but also empower you to make informed decisions, align your household around shared goals, and build long-term financial freedom. Read along with the original article(s) here: https://www.makingsenseofcents.com/2021/07/financial-success.html Quotes to ponder: "High-interest rate debt simply becomes more and more difficult to pay off over time as those interest charges build and build and become unmanageable." "Having regular money talks with your family usually means increased communication between partners, a unified financial goal, partners being more involved, and so on." "Even if you think that you love your job and will want to work forever, you never know what the future may bring." Episode references: Wealthfront: https://www.wealthfront.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 3219: Michelle Schroeder-Gardner shares empowering strategies to help you redefine and pursue your version of financial success, whether that means eliminating debt, reducing money stress, or building long-term security. Learn how key habits like emergency saving, intentional spending, and clarifying your financial goals can lay the foundation for true freedom and peace of mind. Read along with the original article(s) here: https://www.makingsenseofcents.com/2021/07/financial-success.html Quotes to ponder: "Feeling financially free is when you are able to live life without worrying about money." "An emergency fund is one of the most important things you can start off with if you want to take control of your financial life." "If you are spending more than you earn, you will be digging yourself deeper and deeper into a hole." 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 3219: Michelle Schroeder-Gardner shares empowering strategies to help you redefine and pursue your version of financial success, whether that means eliminating debt, reducing money stress, or building long-term security. Learn how key habits like emergency saving, intentional spending, and clarifying your financial goals can lay the foundation for true freedom and peace of mind. Read along with the original article(s) here: https://www.makingsenseofcents.com/2021/07/financial-success.html Quotes to ponder: "Feeling financially free is when you are able to live life without worrying about money." "An emergency fund is one of the most important things you can start off with if you want to take control of your financial life." "If you are spending more than you earn, you will be digging yourself deeper and deeper into a hole." 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 3219: Michelle Schroeder-Gardner shares empowering strategies to help you redefine and pursue your version of financial success, whether that means eliminating debt, reducing money stress, or building long-term security. Learn how key habits like emergency saving, intentional spending, and clarifying your financial goals can lay the foundation for true freedom and peace of mind. Read along with the original article(s) here: https://www.makingsenseofcents.com/2021/07/financial-success.html Quotes to ponder: "Feeling financially free is when you are able to live life without worrying about money." "An emergency fund is one of the most important things you can start off with if you want to take control of your financial life." "If you are spending more than you earn, you will be digging yourself deeper and deeper into a hole." 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 3185: Michelle Schroeder-Gardner offers a practical and empowering roadmap for anyone overwhelmed by unpaid bills, emphasizing proactive steps like organizing finances, contacting creditors, and increasing income. Her guidance helps listeners reduce anxiety, avoid damaging financial consequences, and take control of their money with clarity and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/02/what-to-do-when-you-cant-pay-your-bills.html Quotes to ponder: "By facing the problem, you will be able to dig yourself out of debt, get rid of late bills, and have a better grasp of your financial situation." "You won't know what they can do for you until you ask." "My recommendation for the best way to pay your past bills is to work on making more money." 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 3185: Michelle Schroeder-Gardner offers a practical and empowering roadmap for anyone overwhelmed by unpaid bills, emphasizing proactive steps like organizing finances, contacting creditors, and increasing income. Her guidance helps listeners reduce anxiety, avoid damaging financial consequences, and take control of their money with clarity and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/02/what-to-do-when-you-cant-pay-your-bills.html Quotes to ponder: "By facing the problem, you will be able to dig yourself out of debt, get rid of late bills, and have a better grasp of your financial situation." "You won't know what they can do for you until you ask." "My recommendation for the best way to pay your past bills is to work on making more money." 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 3185: Michelle Schroeder-Gardner offers a practical and empowering roadmap for anyone overwhelmed by unpaid bills, emphasizing proactive steps like organizing finances, contacting creditors, and increasing income. Her guidance helps listeners reduce anxiety, avoid damaging financial consequences, and take control of their money with clarity and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2016/02/what-to-do-when-you-cant-pay-your-bills.html Quotes to ponder: "By facing the problem, you will be able to dig yourself out of debt, get rid of late bills, and have a better grasp of your financial situation." "You won't know what they can do for you until you ask." "My recommendation for the best way to pay your past bills is to work on making more money." 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 1662: Michelle Schroeder-Gardner outlines the most common pitfalls that self-employed individuals face, from inconsistent income planning to neglecting retirement savings. Her insights help solopreneurs build smarter, more sustainable financial habits and avoid costly missteps in their business journey. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/08/4-common-mistakes-made-by-the-self-employed.html Quotes to ponder: "One of the top financial mistakes I see among the self-employed is not having a plan for their irregular income." "When you're self-employed, it's all up to you to save for retirement. You don't have an employer to help you." "If you're self-employed and not separating your personal and business finances, it can become a huge mess quickly." Episode references: Mint: https://mint.intuit.com YNAB (You Need A Budget): https://www.youneedabudget.com IRS Self-Employed Tax Center: https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center 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 1662: Michelle Schroeder-Gardner outlines the most common pitfalls that self-employed individuals face, from inconsistent income planning to neglecting retirement savings. Her insights help solopreneurs build smarter, more sustainable financial habits and avoid costly missteps in their business journey. Read along with the original article(s) here: https://www.makingsenseofcents.com/2014/08/4-common-mistakes-made-by-the-self-employed.html Quotes to ponder: "One of the top financial mistakes I see among the self-employed is not having a plan for their irregular income." "When you're self-employed, it's all up to you to save for retirement. You don't have an employer to help you." "If you're self-employed and not separating your personal and business finances, it can become a huge mess quickly." Episode references: Mint: https://mint.intuit.com YNAB (You Need A Budget): https://www.youneedabudget.com IRS Self-Employed Tax Center: https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center 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 1651: Michelle Schroeder-Gardner breaks down the essentials of passive income, explaining how it can provide financial freedom through upfront effort and long-term rewards. She shares a variety of practical, beginner-friendly ideas, ranging from dividend investing to creating digital products, helping listeners discover income strategies that suit their skills and goals. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/04/what-is-passive-income-ideas.html Quotes to ponder: "Passive income is income that you earn with little work to maintain." "Eventually, you may be able to earn a living through passive income streams." "Passive income allows you to free up your time and possibly even retire early." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/1589795474 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 1651: Michelle Schroeder-Gardner breaks down the essentials of passive income, explaining how it can provide financial freedom through upfront effort and long-term rewards. She shares a variety of practical, beginner-friendly ideas, ranging from dividend investing to creating digital products, helping listeners discover income strategies that suit their skills and goals. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/04/what-is-passive-income-ideas.html Quotes to ponder: "Passive income is income that you earn with little work to maintain." "Eventually, you may be able to earn a living through passive income streams." "Passive income allows you to free up your time and possibly even retire early." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Thomas-Stanley/dp/1589795474 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 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 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 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 3061: Michelle Schroeder-Gardner highlights seven common purchases, including furniture, weddings, medical bills, and vacations, that should never be charged unless you can pay them off in full immediately. Avoiding these costly mistakes can help you stay in control of your finances and prevent unnecessary stress. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/11/expenses-to-never-put-on-a-credit-card-finance-furniture.html Quotes to ponder: "Just because the monthly payment seems 'doable,' it doesn't mean that it's what's best for you." "Wedding debt can cause arguments, stress, financial problems, and more." "A vacation is supposed to be that - a vacation. I couldn't imagine that a vacation would be relaxing at all if you were paying interest on it for months or years to come." Episode references: The EconoMe Conference YouTube Channel: https://www.youtube.com/@EconoMeConference 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 3061: Michelle Schroeder-Gardner highlights seven common purchases, including furniture, weddings, medical bills, and vacations, that should never be charged unless you can pay them off in full immediately. Avoiding these costly mistakes can help you stay in control of your finances and prevent unnecessary stress. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/11/expenses-to-never-put-on-a-credit-card-finance-furniture.html Quotes to ponder: "Just because the monthly payment seems 'doable,' it doesn't mean that it's what's best for you." "Wedding debt can cause arguments, stress, financial problems, and more." "A vacation is supposed to be that - a vacation. I couldn't imagine that a vacation would be relaxing at all if you were paying interest on it for months or years to come." Episode references: The EconoMe Conference YouTube Channel: https://www.youtube.com/@EconoMeConference 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 2822: Michelle Schroeder-Gardner emphasizes the transformative power of positive thinking on finances and life. She explains how a positive mindset motivates action, reduces regret, and helps you take control of your goals. With actionable tips like gratitude, optimism, and not comparing yourself to others, this article serves as a practical guide to building resilience and achieving financial clarity. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/01/how-to-be-positive-thinking-exercises.html Quotes to ponder: "Being positive can help you realize that you are in control of your life." "If you have a positive mindset, that means you are no longer dwelling on the past." "Instead of saying 'I can't,' say 'I can!'" 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 2822: Michelle Schroeder-Gardner emphasizes the transformative power of positive thinking on finances and life. She explains how a positive mindset motivates action, reduces regret, and helps you take control of your goals. With actionable tips like gratitude, optimism, and not comparing yourself to others, this article serves as a practical guide to building resilience and achieving financial clarity. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/01/how-to-be-positive-thinking-exercises.html Quotes to ponder: "Being positive can help you realize that you are in control of your life." "If you have a positive mindset, that means you are no longer dwelling on the past." "Instead of saying 'I can't,' say 'I can!'" 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 2424: Michelle Schroeder-Gardner highlights the critical importance of creating a financial emergency response plan to safeguard your family during unexpected events. By organizing essential documents, keeping them securely stored, and ensuring loved ones know how to access them, you can provide peace of mind and prevent added stress in challenging times. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/06/financial-emergency-list-for-an-emergency-response-plan.html Quotes to ponder: "It's best to keep a financial emergency response plan of everything just in case something were to happen, even if it's something no one ever wants to think about." "Collecting all of this information is not enough. You will want to go over everything with the person who would be next in charge after you, as they may have questions about how to access certain accounts." "Having all your stuff organized is going to be a huge help to your loved ones, who will likely need to figure this stuff out during a very emotional time." Episode references: Family Emergency Binder by Smart Money Mamas: https://smartmoneymamas.com/family-emergency-binder In Case of Emergency Binder: https://emergencybinders.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 2424: Michelle Schroeder-Gardner highlights the critical importance of creating a financial emergency response plan to safeguard your family during unexpected events. By organizing essential documents, keeping them securely stored, and ensuring loved ones know how to access them, you can provide peace of mind and prevent added stress in challenging times. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/06/financial-emergency-list-for-an-emergency-response-plan.html Quotes to ponder: "It's best to keep a financial emergency response plan of everything just in case something were to happen, even if it's something no one ever wants to think about." "Collecting all of this information is not enough. You will want to go over everything with the person who would be next in charge after you, as they may have questions about how to access certain accounts." "Having all your stuff organized is going to be a huge help to your loved ones, who will likely need to figure this stuff out during a very emotional time." Episode references: Family Emergency Binder by Smart Money Mamas: https://smartmoneymamas.com/family-emergency-binder In Case of Emergency Binder: https://emergencybinders.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 2893: Saving money in your 20s sets the foundation for long-term financial security, allowing you to take advantage of compound interest and develop responsible financial habits. Michelle Schroeder-Gardner argues that starting early doesn't mean sacrificing a vibrant life; instead, it equips you to navigate future challenges and opportunities with greater ease and confidence. Read along with the original article(s) here: https://www.makingsenseofcents.com/2015/10/why-saving-money-in-your-20s-is-a-good-idea.html Quotes to ponder: "Saving money in your 20s means you're doing something RIGHT." "Compound interest is one BIG reason for why you should start saving money as early as you can." "There is no reason to spend all of your money just because you want to." 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 2328: Michelle Schroeder-Gardner highlights the dangers of financial infidelity in relationships, stressing how secret debts and financial dishonesty can lead to significant trust issues, stress, and even divorce. She offers practical advice on recognizing warning signs and encourages open communication about money to build healthier, more transparent relationships. Quotes to ponder: "There are things you can do though if you don't want financial infidelity in your relationship." "Being open about your money situation can help prevent any surprises." "You and your partner should sit down every so often - so that everyone can work towards the family's financial goals together." Episode references: Forbes article on financial secrets: https://www.forbes.com National Endowment for Financial Education: https://www.nefe.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 2328: Michelle Schroeder-Gardner highlights the dangers of financial infidelity in relationships, stressing how secret debts and financial dishonesty can lead to significant trust issues, stress, and even divorce. She offers practical advice on recognizing warning signs and encourages open communication about money to build healthier, more transparent relationships. Quotes to ponder: "There are things you can do though if you don't want financial infidelity in your relationship." "Being open about your money situation can help prevent any surprises." "You and your partner should sit down every so often - so that everyone can work towards the family's financial goals together." Episode references: Forbes article on financial secrets: https://www.forbes.com National Endowment for Financial Education: https://www.nefe.org Learn more about your ad choices. Visit megaphone.fm/adchoices