Podcasts about money habits

Your money mindset can determine whether earning more actually creates wealth or simply leads to bigger spending habits. In this episode of The Mystic Millionaire Podcast, Danielle Amos reveals why high achievers can earn six or seven figures and still feel broke. She also shares how shifting your money identity, learning to feel safe holding wealth, creating multiple sources of income, and allowing your money to work for you can help you break financial self-sabotage and build lasting abundance.Your next breakthrough begins with one powerful yes. Join the Success System today: https://successsociety.danielleamos.co/masterclass.htmlIf you're ready to take the next step, learn more and get started here: https://danielleamos.co/the-millionaire-method/ Slow down to speed up. Join Danielle at Collingwood, Ontario, for 4 days of healing and inner transformation. Rejuvenation Retreat September 20-23, 2026.  Learn more here: https://empress.danielleamos.co/rejuvenation-retreat-september-2026/Get exclusive access to powerful behind-the-scenes riffs Danielle only shares with her inner circle. SUBSCRIBE to unlock it now and go deeper with me here: https://www.buzzsprout.com/818893/subscribeThe Success Society is your gateway to an elevated life - an empowering community for driven individuals who are ready to align with abundance, success, and purpose. Join us for less than a cup of coffee per month! https://empress.danielleamos.co/the-success-society/Want to start working with Danielle? Book a complimentary strategy call with The Success Society Team. We're here to support you. https://danielleamos.co/contact-usYou can catch the video version of this episode on Danielle's YouTube channel. Subscribe here: https://www.youtube.com/@thedanielleamosOne conversation with Danielle can change your life. Access my free gift, Success Mindset Workshop, here: https://successmindsetworkshop.danielleamos.co/If you love this episode, please share it on Instagram, tag Danielle, and send a DM @TheDanielleAmos; We'd be so grateful if you could leave us a 5-star review on Apple Podcasts and Spotify.Support the show

On this episode of CFO at Home, Vince and platform creator Arky Jones discuss Personality Peak, a fun-first, non-clinical personality quiz built around everyday situations. They discuss the connection between personality and money behavior, with Arky sharing how his own ·free thinker· result highlighted some of his own tendencies that, when unchecked, had negatively affected his business. They also discuss consumer programming, dopamine-driven spending, external validation as a driver of money mistakes, and some of the key elements of the practice of Stoicism that can be applied to our money habits, controlling what you can, accepting what you can·t, and acting to change what·s influenceable. Check out the free quiz at personalitypeak.com. Key Topics: 01:25 Meet the Creator 02:23 Why Personality Peak 03:39 How the Quiz Works 08:11 Personality and Money 13:35 Spending Culture and Dopamine 15:49 A Costly Car Lesson 18:35 Mirror Traits and Validation 22:35 Stoicism Explained 26:47 Peak Method and Workbooks 20:24 Applying Results to Finances 32:59 Wrap Up and Next Steps Key Links: https://personalitypeek.com/ https://www.facebook.com/profile.php?id=61575494699915 https://www.instagram.com/personalitypeek/ https://www.youtube.com/@PersonalitypeekVlog Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3672: Mark Dennis, a financial planner, walks through the two worst money decisions of his own life: a timeshare bought on emotion during his honeymoon, and student loans taken out for an MBA he ultimately abandoned. He shows how both traced back to committing before thinking it through, and he adds a short list of common blunders, from carrying credit card debt to lending money to family, that quietly work against good money management. The takeaway is that expensive mistakes do not have to be permanent ones. Read along with the original article(s) here: https://www.financialfinesse.com/2018/04/26/the-worst-money-mistakes-ive-made/ Quotes to ponder: "Ultimately, we learned never to make a major financial commitment driven primarily by emotion." "Just as positive compounding helps us become wealthy by earning interest on interest, the reverse is true of debt." "Money decisions driven by emotion rarely turn out well, and what gets more emotional than a plea for money from a family member?" Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3671: Kumiko explains how three ordinary spending habits set people up to fail financially: shopping out of boredom, spending money that is not guaranteed yet, and buying things to impress other people. She shares the fixes that worked during her own climb out of $77,000 of debt, from unsubscribing from store emails to leaving the credit cards at home. Her point is that better money management usually starts with noticing the habit, not with more willpower. Read along with the original article(s) here: https://www.thebudgetmom.com/3-spending-habits-that-are-setting-you-up-for-failure/ Quotes to ponder: "What people don't realize is that we are often our own worst enemy when it comes to our financial circumstances." "Rely only on your income, and never spend more money than you make." "A generous heart, kindness, hard work, dedication, and true intentions are far more likely to impress someone than possessions." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey there Cozy Babe! This episode is a little more open and serious for me as I talk about growing up and being given money trauma, but also how I've stood up and taken responsibility and control of my financial well being. This one goes out to the souls who feel money shame and need to hear someone else speak openly about it. Instagram:https://www.instagram.com/kloeetaylor/

What if every time you spend money, you're unknowingly training your brain to feel poorer?Most of us focus on what money costs us instead of the incredible value we receive in return. Over time, that repeated feeling of loss can reinforce a scarcity mindset.In this episode of Magnetic Habits, discover how one simple shift can help rewire your Money Belief App™ from fear and scarcity toward gratitude, abundance, and greater awareness of opportunities to earn and create more money.Stop focusing on what you're giving up. Start appreciating what you're getting—and train your brain to see more abundance and opportunity.Learn more about Money Habits: https://www.tinyurl.com/MagneticHabits

On this episode of CFO at Home, Vince wraps up his conversation with Heidi Heron, a Neuro-Linguistic Programming practitioner with 25+ years of experience, with a discussion about changing what we coin ·unresourceful· money habits; chronic overspending which is often driven by unconscious needs like control, safety, and power, as well the opposite pattern of being extremely frugal, often rooted in fear and a lack of safety. Heidi suggests practical next steps: get clear on what you want, examine what money and spending mean to you, and defines values for different types of money (today, future, business, fun) Learn more at heidiherron.com, including 1:1 work, NLP training, and her book, The Wizard of Cause. 01:00 Money as Energy Setup 01:32 Retail Therapy Overspending 05:41 Rewiring the Dopamine Loop 07:51 Breaking the Spending Circuit 09:14 The Miser Money Fear 11:23 A Father's Money Shift 16:03 Mindset Steps to Change 19:35 Money Buckets and Values 23:10 Resources and Wrap Up Key Links: https://www.heidiheron.com/ https://www.instagram.com/dr.heidiheron/ https://www.facebook.com/DrHeidiHeron https://www.youtube.com/c/nlpwithdrheidi https://www.linkedin.com/in/drheidiheron/ Contact the Host - vince@thecfoathome.com Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500  

What if financial freedom is built through decisions that seem almost too small to matter? This original episode explores ten practical habits for building a calmer, more intentional financial life—from a ten-minute weekly money appointment and automatic saving to skill-building, courageous asks, purposeful generosity, and measuring real progress. You'll also hear a practical case study, a 30-day implementation system, and a plan for recovering when life disrupts your goals.

Sharon Lechter is a globally recognized keynote speaker, bestselling author, and elite business strategist committed to advancing financial literacy and entrepreneurial success. A licensed CPA for over 35 years, she co-authored the international bestseller Rich Dad Poor Dad and more than a dozen titles in the Rich Dad series. As CEO, she helped grow the Rich Dad Company into a worldwide brand. Sharon also partnered with the Napoleon Hill Foundation to reintroduce timeless success principles through bestselling books including Think and Grow Rich: Three Feet from Gold, Outwitting the Devil, and Think and Grow Rich for Women. She is the founder and CEO of Pay Your Family First, a financial education organization focused on empowering families and business owners. Appointed to the first U.S. President's Advisory Council on Financial Literacy, she has advised national leaders while continuing her impact as a mentor, philanthropist, mother, and grandmother.  During the show we discuss: Why financial literacy—not income—is the foundation of wealth The difference between active income vs. passive income (and why it matters) How the Cashflow game teaches real-world wealth-building principles Why most people make poor financial decisions—and how to avoid them How to think like an investor instead of an employee The real reason Rich Dad Poor Dad resonated globally—and what it teaches How to build scalable income streams through assets (real estate, business, investments) Why mindset and habits determine long-term financial success more than tactics Resources: https://sharonlechter.com/ https://success.sharonlechter.com/

Financial strategists Steve Short and Mark Schlipman reveal how to build wealth from nothing using their bestselling save first framework on this episode of Play Big Faster. Most people chase income for years but never take real financial freedom steps. Steve, a former Fortune 500 executive, and Mark, a fiduciary advisor of two decades, share beginner investing tips and money habits that build wealth. You will hear: the save first model for wealth building for beginners, how to stop living paycheck to paycheck through automated savings, the debt snowball method for how to get out of debt and save money, where to find unclaimed money in state accounts, and why treating income like a business supports financial literacy for young adults. Ideal for entrepreneurs pursuing how to achieve financial freedom on a normal salary. Watch now on YouTube for the full conversation.

In this video, I shared five small “boring” habits she built in my early 30s that shifted myself from feeling anxious about money to feeling calm and financially free, emphasizing that strategy fails without habits. These helped me reach Coast FI in 2023 and make decisions aligned with my desired lifestyle. 00:00 Five Habits Overview 00:53 Habits Beat Strategy 01:57 Habit 1 04:48 Habit 2 06:58 Habit 3 09:57 Habit 4 11:58 Habit 5 14:35 Wrap Up And Next Steps Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ TRY MONARCH MONEY use codeMONARCHVIP to get 50% off: https://monarchmoney.sjv.io/VxYNjk ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Free Investing Class: https://www.nursewhoinvests.com/class Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom!

Can you really overhaul 50 years of money habits — and are the drivers paying the highest prices per gallon actually the ones hurting most from rising gas prices? Host Sean Pyles, CFP© and Elizabeth Ayoola are joined by senior news writer Anna Helhoski and joined by data studies Nerd, Kurt Woock, to unpack why the price on the sign at the gas station doesn't tell the whole story about how gas prices hit your budget. They break down why states like Wyoming, Oklahoma, Montana and Utah saw the biggest jumps in weekly gas spending this year — even though they don't have the highest prices at the pump — and why total spending, not the price per gallon, is what really matters when you're budgeting. Then, Sean and Elizabeth answer a question from a 50-year-old listener named David, who's trying to reset a lifetime of impulse spending and build a real retirement plan on a later timeline. They walk through catch-up contributions for IRAs, 401(k)s and HSAs, why automated savings buckets and an emergency fund matter more than ever at this stage, and how to think through the tradeoffs of claiming Social Security early versus waiting. Gas Costs (Not Just Pump Prices) Hit Some States Harder: https://www.nerdwallet.com/finance/studies/2026-gas-prices-costs Catch-Up Contributions: How They Work and 2026 Limits: https://www.nerdwallet.com/retirement/learn/catch-up-contributions Average Retirement Savings by Age: https://www.nerdwallet.com/retirement/learn/the-average-retirement-savings-by-age-and-why-you-need-more Retirement Calculator: https://www.nerdwallet.com/investing/calculators/retirement-calculator How to Invest With Your HSA — And Why You Should: https://www.nerdwallet.com/article/investing/how-to-invest-hsa NerdWallet Wealth Partners, fee-only financial advisors: https://nerdwalletwealthpartners.com/smart Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/ Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a realtor, salesperson, or any commission-based pro wondering why the money never seems to last—even when you land a big check? Over post-meal coffee, Londa and David get brutally honest about the feast-or-famine cycle, why so many experienced agents are struggling right now, and how mindset and money habits matter more than the market. 3 Business Takeaways: Commission ≠ Stability Big checks don't guarantee financial health. Without a plan, commission income almost always turns into a feast-or-famine rollercoaster. Market Slowdowns Expose Money Habits When the real estate market slows (like it did this spring and early summer), even seasoned pros get squeezed if they've been living deal-to-deal instead of building reserves. You Need a System, Not Just Sales Skills Being great at selling isn't enough. Commission-based professionals need intentional money management—budgeting, saving, and planning—to survive the slow seasons. #RealEstateLife #CommissionLife #EntrepreneurMindset #MoneyHabits #FeastOrFamine

In this episode, we dive into the fascinating world of Generation Z and their unique financial habits with certified financial planner Jennifer Johnson from Three Magnolias Financial Advisors. As we explore the financial landscape for this younger generation, we uncover some surprising trends: while Gen Z is investing earlier than any previous generation, they also score the lowest on financial literacy.Join us as we discuss the implications of these findings, including their reliance on social media for financial advice and the potential risks associated with their investment choices. We examine the paradox of Gen Z's aggressive saving and investing habits alongside their lack of foundational financial knowledge. What does it mean for their future, and how can they better position themselves for success?Jennifer shares insights from a recent Morningstar article highlighting Gen Z's investment behaviors, from their interest in cryptocurrency to their participation in sports betting and prediction markets. We also consider the importance of seeking reliable financial guidance and the value of traditional investment strategies over speculative approaches.For more information, visit Three Magnolias Financial Advisors on the web or call 336-701-1600STORY FROM MORNINGSTAR WEALTH: https://www.morningstar.com/funds/gen-z-invests-earlier-than-any-generation-also-scores-lowest-financial-literacyThe Triad Podcast Network is proudly sponsored by The Ginther Group Real Estate, Dewey's Bakery, and Three Magnolias Financial Advisors.

In this episode of the Matthews Mentality Podcast, Kyle Matthews sits down with David Bakhtiari, two-time First-Team All-Pro, five-time Pro Bowler, and one of the greatest left tackles of his generation. Over 11 seasons with the Green Bay Packers, David protected Aaron Rodgers' blind side, helped lead the Packers to consistent playoff runs, and established himself as one of the NFL's premier offensive linemen.David shares his incredible journey from being an overlooked high school recruit to earning a scholarship at the University of Colorado, declaring early for the NFL Draft, and eventually becoming a cornerstone of the Packers franchise. He opens up about draft day, earning Aaron Rodgers' trust, negotiating life-changing contracts, managing wealth, and the devastating ACL injury that ultimately changed the trajectory of his career.The conversation also explores player safety, artificial turf versus natural grass, mental resilience, identity after professional sports, and what it truly takes to compete at the highest level for more than a decade.Topics covered in this episode:David Bakhtiari's journey from Colorado to the Green Bay PackersProtecting Aaron Rodgers and life as an NFL left tackleWhat Aaron Rodgers told him before his first NFL startNFL Draft day, combine interviews, and falling to the fourth roundThe mentality required to become a First-Team All-ProOffensive line techniques, preparation, and consistencyNegotiating NFL contracts and building long-term wealthReal estate investing and financial disciplineBehind the scenes of the Packers' Pitch Perfect 2 cameoThe ACL injury that changed everythingMultiple knee surgeries, rehabilitation, and returning to footballWhy David has become an advocate for player safety and natural grass fieldsCoping with retirement and finding purpose after footballDavid also reflects on the emotional side of professional sports, sharing what it was like to lose the game he loved, the challenges of rebuilding after injury, and the lessons he's carrying into the next chapter of his life.Whether you're an NFL fan, athlete, entrepreneur, or someone navigating setbacks in your own career, this conversation offers an honest look at resilience, discipline, leadership, and what it takes to perform at an elite level.Follow David Bakhtiari:Instagram: https://www.instagram.com/davidbakhtiari X: https://x.com/DavidBakhtiariFollow Kyle Matthews CEO:Instagram: https://www.instagram.com/kylematthewsceo TikTok: https://www.tiktok.com/@kylematthewsceo X: https://x.com/kylematthewsceo LinkedIn: https://www.linkedin.com/in/kylematthewsceo00:00 Don't Get Me Killed 00:54 Meet David Bakhtiari 02:17 Life After Football 04:08 Staying Fit After the NFL 06:42 From High School to College Offers 08:42 Choosing Colorado 11:50 Earning the Starting Job 15:04 Welcome to College Football 17:23 Realizing the NFL Was Possible 18:56 Declaring for the NFL Draft 22:59 NFL Combine Stories 25:34 Draft Day Slide 27:55 The Green Bay Packers Call 30:45 The Beach Meeting 32:10 FIFA with Aaron Rodgers 32:56 Clay Matthews' Welcome 34:19 First NFL Start 37:26 "Don't Get Me Killed" 39:17 Why I Wore #69 41:44 The Elbow Brace 43:01 Pitch Perfect 2 Cameo 49:51 Becoming an All-Pro 52:15 The Mental Side of Offensive Line Play 55:50 Signing a Big Contract 01:00:33 Money Habits & Investing 01:02:27 Tearing My ACL 01:03:10 Turf vs. Grass Debate 01:04:20 Why Turf Feels Different 01:07:09 Stadiums, Money & Player Safety 01:09:47 The MRI 01:12:58 Cartilage Damage & Multiple Surgeries 01:16:30 The Two-Year Rehab 01:17:41 Finding Identity After Football 01:21:58 Missing the Game 01:24:59 Aaron Rodgers Stories 01:26:17 Rapid Fire NFL Questions 01:32:20 Closing Thoughts

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3627: Fritz Gilbert uses an unexpected source of financial wisdom to reveal a remarkably simple blueprint for building wealth: earn more, spend less, avoid debt, and invest consistently. His breakdown of each principle shows that financial independence doesn't require secret strategies, just disciplined execution of timeless money habits. Read along with the original article(s) here: https://www.theretirementmanifesto.com/alexa-how-can-i-get-rich/ Quotes to ponder: "There is no one guaranteed way to become rich" "The best path to building wealth relies on a combination of expanding your earning potential, spending wisely, avoiding debt, saving money, and investing carefully." "Avoid debt whenever possible, especially credit card debt which carries a high-interest rate." Episode references: Financial Independence, Retire Early (FIRE): https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp S&P 500 Index Funds: https://www.investopedia.com/terms/s/sp500.asp Individual Retirement Account (IRA): https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras 401(k) Plans: https://www.irs.gov/retirement-plans/401k-plans Mike Rowe: https://mikerowe.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3627: Fritz Gilbert uses an unexpected source of financial wisdom to reveal a remarkably simple blueprint for building wealth: earn more, spend less, avoid debt, and invest consistently. His breakdown of each principle shows that financial independence doesn't require secret strategies, just disciplined execution of timeless money habits. Read along with the original article(s) here: https://www.theretirementmanifesto.com/alexa-how-can-i-get-rich/ Quotes to ponder: "There is no one guaranteed way to become rich" "The best path to building wealth relies on a combination of expanding your earning potential, spending wisely, avoiding debt, saving money, and investing carefully." "Avoid debt whenever possible, especially credit card debt which carries a high-interest rate." Episode references: Financial Independence, Retire Early (FIRE): https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp S&P 500 Index Funds: https://www.investopedia.com/terms/s/sp500.asp Individual Retirement Account (IRA): https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras 401(k) Plans: https://www.irs.gov/retirement-plans/401k-plans Mike Rowe: https://mikerowe.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3627: Fritz Gilbert uses an unexpected source of financial wisdom to reveal a remarkably simple blueprint for building wealth: earn more, spend less, avoid debt, and invest consistently. His breakdown of each principle shows that financial independence doesn't require secret strategies, just disciplined execution of timeless money habits. Read along with the original article(s) here: https://www.theretirementmanifesto.com/alexa-how-can-i-get-rich/ Quotes to ponder: "There is no one guaranteed way to become rich" "The best path to building wealth relies on a combination of expanding your earning potential, spending wisely, avoiding debt, saving money, and investing carefully." "Avoid debt whenever possible, especially credit card debt which carries a high-interest rate." Episode references: Financial Independence, Retire Early (FIRE): https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp S&P 500 Index Funds: https://www.investopedia.com/terms/s/sp500.asp Individual Retirement Account (IRA): https://www.irs.gov/retirement-plans/individual-retirement-arrangements-iras 401(k) Plans: https://www.irs.gov/retirement-plans/401k-plans Mike Rowe: https://mikerowe.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3623: Mr. Money Mustache shares a collection of simple financial habits that can dramatically reduce waste and make saving money feel effortless. From avoiding paid storage and relying less on restaurants to automating finances and buying essentials in bulk, these practical ideas reveal how efficient living naturally leads to higher savings and greater freedom. Read along with the original article(s) here: https://www.mrmoneymustache.com/2013/09/20/wealth-advice-that-should-be-obvious/ Quotes to ponder: "The world is not your personal buffet." "Sustenance comes from your backpack. Restaurants are for carefully planned experiences with good friends." "Your utility bills and credit cards need set to automatically pay themselves, just like your 401(k) deductions and other investment programs." Episode references: Craigslist: https://www.craigslist.org Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of In The LOOP, Jordan Jo sits down with Neil Shultz—a financial advisor turned trusted friend—for a conversation rooted in ownership, discipline, and building a life beyond the rodeo arena. What started as a simple phone call with “$2,000 to invest” turned into something much bigger… a full shift in mindset around money, priorities, and the future. Neil brings a perspective that most in the rodeo world don't always have access to—one that challenges the way we think about income, debt, and what happens when the rodeo road slows down. They talk about paying yourself first, understanding good versus bad debt, and why having a plan matters more than how much money you start with. At the core of it all is a simple belief: If you don't have a plan… you're already behind. This episode is a reminder that success isn't just about what you win in the arena… it's about what you build after it.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3623: Mr. Money Mustache shares a collection of simple financial habits that can dramatically reduce waste and make saving money feel effortless. From avoiding paid storage and relying less on restaurants to automating finances and buying essentials in bulk, these practical ideas reveal how efficient living naturally leads to higher savings and greater freedom. Read along with the original article(s) here: https://www.mrmoneymustache.com/2013/09/20/wealth-advice-that-should-be-obvious/ Quotes to ponder: "The world is not your personal buffet." "Sustenance comes from your backpack. Restaurants are for carefully planned experiences with good friends." "Your utility bills and credit cards need set to automatically pay themselves, just like your 401(k) deductions and other investment programs." Episode references: Craigslist: https://www.craigslist.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3623: Mr. Money Mustache shares a collection of simple financial habits that can dramatically reduce waste and make saving money feel effortless. From avoiding paid storage and relying less on restaurants to automating finances and buying essentials in bulk, these practical ideas reveal how efficient living naturally leads to higher savings and greater freedom. Read along with the original article(s) here: https://www.mrmoneymustache.com/2013/09/20/wealth-advice-that-should-be-obvious/ Quotes to ponder: "The world is not your personal buffet." "Sustenance comes from your backpack. Restaurants are for carefully planned experiences with good friends." "Your utility bills and credit cards need set to automatically pay themselves, just like your 401(k) deductions and other investment programs." Episode references: Craigslist: https://www.craigslist.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3622: Mr. Money Mustache lays out deceptively simple principles that separate wealth-building from self-sabotage, from avoiding gambling and lifestyle inflation to questioning every purchase. His practical approach reframes money as a tool for buying freedom, offering a refreshing perspective on spending, investing, and long-term happiness. Read along with the original article(s) here: https://www.mrmoneymustache.com/2013/09/20/wealth-advice-that-should-be-obvious/ Quotes to ponder: "The only way to win, is to not play." "The only way to get “lucky” in life, is to understand the odds in all areas, and place your own chips on the side where they are in your favor." "You never, ever gamble if your goal is to get richer. It's as simple as that." Episode references: Las Vegas: https://www.visitlasvegas.com/ Ecuador Travel Information: https://www.lonelyplanet.com/ecuador Chipotle Mexican Grill: https://www.chipotle.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3622: Mr. Money Mustache lays out deceptively simple principles that separate wealth-building from self-sabotage, from avoiding gambling and lifestyle inflation to questioning every purchase. His practical approach reframes money as a tool for buying freedom, offering a refreshing perspective on spending, investing, and long-term happiness. Read along with the original article(s) here: https://www.mrmoneymustache.com/2013/09/20/wealth-advice-that-should-be-obvious/ Quotes to ponder: "The only way to win, is to not play." "The only way to get “lucky” in life, is to understand the odds in all areas, and place your own chips on the side where they are in your favor." "You never, ever gamble if your goal is to get richer. It's as simple as that." Episode references: Las Vegas: https://www.visitlasvegas.com/ Ecuador Travel Information: https://www.lonelyplanet.com/ecuador Chipotle Mexican Grill: https://www.chipotle.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3622: Mr. Money Mustache lays out deceptively simple principles that separate wealth-building from self-sabotage, from avoiding gambling and lifestyle inflation to questioning every purchase. His practical approach reframes money as a tool for buying freedom, offering a refreshing perspective on spending, investing, and long-term happiness. Read along with the original article(s) here: https://www.mrmoneymustache.com/2013/09/20/wealth-advice-that-should-be-obvious/ Quotes to ponder: "The only way to win, is to not play." "The only way to get “lucky” in life, is to understand the odds in all areas, and place your own chips on the side where they are in your favor." "You never, ever gamble if your goal is to get richer. It's as simple as that." Episode references: Las Vegas: https://www.visitlasvegas.com/ Ecuador Travel Information: https://www.lonelyplanet.com/ecuador Chipotle Mexican Grill: https://www.chipotle.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Money habits don't determine financial success on their own. It's the standards you set that shape your habits and, ultimately, your financial future. In this episode, Mykie Stiller and Arash Vossoughi explore the money habits that set high achievers apart and why lasting financial growth starts by changing the way you think, not simply working harder. Reflecting on his own journey from debt and financial hardship, Arash shares the decisions and habits that transformed his life and why betting on yourself is the foundation for creating wealth. They discuss how past experiences shape your money blueprint, how shifting it changes your financial life, and how raising your standards transforms your habits. They also unpack why grinding keeps you stuck, how to identify limiting money patterns, and why changing your relationship with money can lead to new ideas and opportunities. Listen in to discover how thinking differently about money can change the results you create.Key Points From This Episode:Why financial success starts with habits, not circumstances.Arash's decision to never let anyone else control his income.Why betting on yourself is a key habit of successful people.The importance of deciding exactly what you want.Understanding your money blueprint and how it drives your decisions.How changing your money blueprint changes your results.The common money habit shared by high achievers.How self-worth is connected to earning more money.Unpacking the difference between a habit and a personal standard.How higher standards create better money habits.Why grinding harder keeps people stuck.How to identify and change negative money patterns.Developing a wealth identity instead of a survival identity.Why adding more value is the greatest wealth strategy.Links Mentioned in Today's Episode:Think and Grow RichScience of Getting RichYou Too Can Be ProsperousVoss Coaching CoVoss Coaching Co on LinkedInVoss Coaching Co on InstagramVoss Coaching Co on FacebookEmail Voss Coaching CoMykie Stiller on LinkedInMykie Stiller on InstagramArash Vossoughi on LinkedInArash Vossoughi on YouTube

If you've ever looked at your debt, savings, spending, investments, or net worth and thought, “How did I get here?” this episode is for you.We're talking about how your past money habits created your current financial life, and why that can actually be a freeing thing to understand.Not to blame yourself.But because where you are today is not your final destination. It's simply what has been created so far.In this episode, we'll get into:Why your current financial life is information, not a personal failure.How past money habits, decisions, and patterns shape today's results.Why shame keeps you focused on the past instead of helping you move forward.What it really means to take responsibility without blaming yourself.How the financial life you want starts with who you are being with money now.If you've been feeling behind, frustrated, or disappointed by where you are financially, this episode will help you look at your money in a different way.Ready for support?If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to CLICK HERE to book a 1:1 Financial Clarity Consultation.This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.Together, we'll look at where you are, where you want to be, what's actually standing in the way, and whether money coaching would help you overcome your biggest financial challenges and reach your goals faster.Click Here to Schedule yours today

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 3614: Emily Guy Birken explains how simple organizational systems can reduce everyday expenses and stress. From creating a consistent laundry routine and maintaining a snack-ready pantry to managing paperwork with an effective filing system, these practical habits help prevent wasted money, eliminate late fees, and make daily life run more smoothly. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "Getting organized may seem like it requires discipline, but in fact the opposite is true. Once you put habits in place and make them automatic, you don't even have to think about organization." "The trick to organizing paperwork is having a simple system." "Making the change in habits is a slow process, but even tackling one bad organizational habit will make a big difference, both in your stress level and in your finances." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://gettingthingsdone.com/what-is-gtd/ FlyLady: https://www.flylady.net Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3614: Emily Guy Birken explains how simple organizational systems can reduce everyday expenses and stress. From creating a consistent laundry routine and maintaining a snack-ready pantry to managing paperwork with an effective filing system, these practical habits help prevent wasted money, eliminate late fees, and make daily life run more smoothly. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "Getting organized may seem like it requires discipline, but in fact the opposite is true. Once you put habits in place and make them automatic, you don't even have to think about organization." "The trick to organizing paperwork is having a simple system." "Making the change in habits is a slow process, but even tackling one bad organizational habit will make a big difference, both in your stress level and in your finances." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://gettingthingsdone.com/what-is-gtd/ FlyLady: https://www.flylady.net Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3614: Emily Guy Birken explains how simple organizational systems can reduce everyday expenses and stress. From creating a consistent laundry routine and maintaining a snack-ready pantry to managing paperwork with an effective filing system, these practical habits help prevent wasted money, eliminate late fees, and make daily life run more smoothly. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "Getting organized may seem like it requires discipline, but in fact the opposite is true. Once you put habits in place and make them automatic, you don't even have to think about organization." "The trick to organizing paperwork is having a simple system." "Making the change in habits is a slow process, but even tackling one bad organizational habit will make a big difference, both in your stress level and in your finances." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://gettingthingsdone.com/what-is-gtd/ FlyLady: https://www.flylady.net Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3613: Emily Guy Birken explains how building simple organizational habits can reduce waste, prevent unnecessary spending, and make everyday life run more smoothly. From meal planning to maintaining a shared family calendar, she shows how a little preparation can help you save money on groceries, gifts, home maintenance, and more. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "The solution to the food wasting problem is meal-planning." "All that matters is that all events are posted in the same place and that everyone in the family has access to it." "Planning out your meals in advance (or even just your dinners) forces you to think about what ingredients you have at home, allows you to only shop for the ingredients you need, rather than going on a grocery binge, and makes you plan out your week with the difficult days in mind." Episode references: Toys“R”Us: https://www.toysrus.com/ Container Store: https://www.containerstore.com/ Saving Dinner: https://savingdinner.com/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3613: Emily Guy Birken explains how building simple organizational habits can reduce waste, prevent unnecessary spending, and make everyday life run more smoothly. From meal planning to maintaining a shared family calendar, she shows how a little preparation can help you save money on groceries, gifts, home maintenance, and more. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "The solution to the food wasting problem is meal-planning." "All that matters is that all events are posted in the same place and that everyone in the family has access to it." "Planning out your meals in advance (or even just your dinners) forces you to think about what ingredients you have at home, allows you to only shop for the ingredients you need, rather than going on a grocery binge, and makes you plan out your week with the difficult days in mind." Episode references: Toys“R”Us: https://www.toysrus.com/ Container Store: https://www.containerstore.com/ Saving Dinner: https://savingdinner.com/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3613: Emily Guy Birken explains how building simple organizational habits can reduce waste, prevent unnecessary spending, and make everyday life run more smoothly. From meal planning to maintaining a shared family calendar, she shows how a little preparation can help you save money on groceries, gifts, home maintenance, and more. Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/ Quotes to ponder: "The solution to the food wasting problem is meal-planning." "All that matters is that all events are posted in the same place and that everyone in the family has access to it." "Planning out your meals in advance (or even just your dinners) forces you to think about what ingredients you have at home, allows you to only shop for the ingredients you need, rather than going on a grocery binge, and makes you plan out your week with the difficult days in mind." Episode references: Toys“R”Us: https://www.toysrus.com/ Container Store: https://www.containerstore.com/ Saving Dinner: https://savingdinner.com/ Wealthfront's high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Money Matters, Chris Hensley welcomes Jabez Roberts, host of The Working Budget and The Boardroom Podcast. Jabez shares the story behind launching The Working Budget, a new podcast focused on practical financial education, money management, and helping everyday people understand how money moves through their personal economy. Chris and Jabez discuss the connection between Kaizen and compound interest, showing how small, consistent improvements can create meaningful long-term growth. They also explore why budgeting is often misunderstood, why money decisions are emotional, and how a working budget can help people prepare for emergencies, save for the future, and spend with more intention. Jabez also shares the books that shaped his view of money, including The Richest Man in Babylon, Rich Dad Poor Dad, and One Up On Wall Street. The conversation touches on entrepreneurship, stewardship, financial education, and Jabez's mission to build a media-first education platform for Caribbean nationals and beyond. Whether you are new to budgeting or looking to improve your financial habits, this episode offers a practical reminder: budgeting is not about restriction. It is about creating a roadmap for your money and your future self. In This Episode Chris and Jabez discuss: The launch of The Working Budget Why budgeting is a roadmap to financial success How Kaizen connects with compound interest Why small daily improvements matter The difference between saving and investing Why money is emotional How impulse spending affects long-term goals Emergency funds and financial resilience The importance of practical financial education Books that shaped Jabez's approach to money The future of Zeilhan, The Boardroom Podcast, and The Working Budget Guest Jabez Roberts Host of The Working Budget and The Boardroom Podcast Website: media.zeilhan.com

Dr Thomas Brennan, founder and CEO of Franc, discusses the 2026 Wealth Index Report and why women consistently tend to be better investors.

Bookkeeping isn't just spreadsheets and accounting software. Our favorite Bookkeeping Mensch, Paul Rosenblum, reflects on how everyday money habits quietly shape our lives, from business spending decisions to the way people think about vacations, groceries, risk, and long-term planning. He explores “the human side of want and need,” showing how emotional spending, financial stress, personal history, and instinct all influence the way we handle money. This conversation reframes bookkeeping as something deeply human, revealing why some of us naturally think like planners, budgeters, and business owners without even realizing it. Send us Fan MailSupport the show

Think you need to make monumental changes to achieve your financial goals? Think again. Money Girl has 8 micro money habits to help you take control of your finances, feel secure, and reach any realistic financial goal you desire.Encore Episode: This episode originally aired in June of 2022.Money Girl is hosted by Laura Adams. Find Money Girl on Facebook or subscribe to the newsletter for more personal finance tips. You can read the transcript here. Visit www.quickanddirtytips.com for more. Hosted on Acast. See acast.com/privacy for more information.

In this inspiring episode of the Raising Godly Girls Podcast, co-hosts Rachael Culpepper and Natalie Ambrose explore how to nurture an entrepreneurial spirit in your daughter—one that's not driven by profit alone, but by purpose, generosity, and a heart for God's Kingdom.  From childhood lemonade stands to bold, big-picture leadership, this conversation invites moms to see everyday opportunities as training grounds for future influence. With relatable stories of early entrepreneurial attempts (some more successful than others!), Rachael and Natalie highlight the value of giving girls space to try, fail, learn, and grow—building confidence and resilience along the way.  But this episode doesn't stop at practical skill-building. It reframes the entire conversation around a Biblical Worldview: as Christ-followers, we're not building our own kingdoms—we're participating in God's. That shift in perspective changes everything, especially when it comes to how our girls think about work, money, and success.  In the Raising Godly Girls Minute, Patti Garibay challenges families to think intentionally about generosity, encouraging parents to create a giving plan that reflects their priorities and invites their daughters into Kingdom-focused stewardship. It's a powerful reminder that financial habits aren't just practical—they're deeply spiritual.  You'll walk away with practical, faith-centered ways to guide your daughter's entrepreneurial journey: from praying over her passions, to helping her identify meaningful opportunities in your community, to equipping her with the confidence to communicate boldly for causes she cares about. Whether she's setting up a lemonade stand or dreaming about launching a future business, this episode will help you anchor her efforts in something eternal.  Because at the end of the day, the goal isn't just to raise capable girls—it's to raise girls who use their gifts, influence, and resources to glorify God and serve others.    Three Things to Remember:  Pray earnestly to discern where God is directing your girl's passions.   Leverage opportunities in your community to help her practice and grow.   Encourage your girl to communicate boldly and confidently for her cause.     Scriptures Referenced:  Psalm 127:1    Visit raisinggodlygirls.com for more encouragement and faith-based parenting tools.   Learn how to find or start an American Heritage Girls Troop in your community at americanheritagegirls.org.       

Small habits. Big results.The little things you do every day can change your life.In this episode, we talk about why success is not about one big break. It comes from small actions done every day. If you feel stuck, keep starting over, or get discouraged by slow progress, this episode is for you.You will learn how tiny daily habits can help you save more money, build discipline, and create long-term success. Small wins may seem unimportant today, but they can lead to a better future.What you will learn:Why small habits create big resultsHow consistency beats talent over timeSimple money habits you can start todayHow tiny wins build confidence and successFollow and Subscribe for more simple lessons about money, saving, investing, mindset, and success.Share this with someone who is waiting for a big break instead of taking small steps daily. Please leave a review too. Let's grow together.#ChinkPositive #FinancialFreedom #MoneyMindset #FinancialLiteracy #MoneyHabits #SavingMoney #SuccessMindset #PersonalGrowthFor any collaboration, brand partnership, and campaign run inquiries, e-mail us at info@thepodnetwork.com. Hosted on Acast. See acast.com/privacy for more information.

Episode Highlights With MikeWhat the money habit is and how this differs from traditional budgeting Why most financial systems fail to change behavior long termThe psychology behind money habits and how to change themWhat commitment devices are and how they can helpHow this works if you're at essential living and a very tight budgetThe simplest way to get started How this ties into the hierarchy of needs and how to work with this, not against itThe most common mistakes people make How to navigate the money habit systems as a couple without conflict Avoiding the parent/child dynamic around money which can cause tensionFinancial freedom vs financial independence and why this is importantResources MentionedFollow Mike on Instagram and FacebookMike's websiteMy Money Bunnies: Fun Money Management For Kids bookMike's other booksBONCHARGEI like so many of their products - from their red light products to their sauna blankets. Red light has been so helpful for me during my recovery from Hashimoto's. To find out more, go to boncharge.com/wellnessmama and use code wellnessmama for 20% off!Just Thrive:Just Thrive Health has been one of my longtime favorite brands for gut health and they have an amazing Daily Gut Detox. Your immune system, gut barrier, and digestion get the support they need to stay strong and healthy. You can find this and their probiotics at justthrivehealth.com/wellnessmama or use code wellnessmama for 20% off your order. 

JOIN HAMPTON:These episodes often come directly out of conversations happening inside Hampton, a private community for founders and CEOs with $3M+ in revenue or $10M+ exits. Members range from $5M net worth to billions. They wrestle with these same questions off the record. Apply at http://joinhampton.com/mw.HOW FOUNDERS ARE BUILDING WEALTH:How much do founders actually make, spend, invest, work, and keep in net worth? Hampton surveyed founders directly and put the answers into one report. Download it for free here: https://joinhampton.com/mw-wrEPISODE DETAILS:Most founders spend years learning how to make money. Almost none of them prepare for what their brain does once they have it.Henrik Cronqvist is a behavioral finance professor who trained under Nobel laureate Richard Thaler and has spent 25 years studying exactly that. His research has been cited over 7,000 times. He has studied 38,000 people to answer one uncomfortable question: how much of the way you save, spend, and invest is actually hardwired into your DNA?The answer will change how you think about every financial decision you make after an exit.This episode covers the science behind why the traits that made you a great founder may work against you as an investor, what actually happens in your brain the day the wire hits, and the one thing Henrik says every founder should do before making a single investment.TIMESTAMPS:00:00 — The traits that made you a great founder will make you a bad investor 01:45 — What is behavioral finance and why should founders care 04:35 — How Henrik got into this research (the Stockholm subway story) 06:39 — The 38,000 twin study: how much of your money behavior is genetic 10:56 — The first thing to do when the wire hits your account 12:49 — Loss aversion, performance chasing, and home bias explained 20:35 — Your personal mortgage predicts how you'll run your company's finances 30:08 — Why your brokerage app is designed to work against you 37:07 — Why founders feel depressed after selling (the science behind post-exit emotions) 47:14 — "I think I'm the exception" — and what the data actually says about that

In this practical and heart-checking episode of the Raising Godly Girls Podcast, co-hosts Rachael Culpepper and Natalie Ambrose kick off a brand-new series on Biblical financial stewardship—helping moms raise girls who handle money with wisdom, contentment, and Christ-centered purpose.  From lighthearted conversation about being a "spender" or a "saver" to deeper reflections on what money reveals about our hearts, this episode gently guides listeners into a Biblical understanding of stewardship. Rachael and Natalie break down this foundational concept into three simple practices—giving, saving, and spending—while reminding us that how we manage money ultimately reflects what we trust, value, and believe about God as our Provider.  In a culture marked by consumerism, comparison, and financial anxiety, this conversation offers a refreshing perspective: money is not inherently good or evil—but it can quickly become a place where our hearts drift. Through Scripture and personal stories, the hosts encourage families to reject both fear-based scarcity and indulgent excess, instead embracing a posture of faith-filled responsibility.  The Raising Godly Girls Minute featuring Patti Garibay reinforces a powerful truth—our daughters are watching. The habits we model today will shape how they approach money tomorrow. From family budget conversations to everyday spending decisions, our example matters more than we think.  You'll also hear honest reflections on the financial pressures facing the next generation—from rising costs to economic uncertainty—and how we can equip our girls with something far more valuable than wealth: resourcefulness, gratitude, and trust in God. Because ultimately, the goal isn't to raise girls who are rich—but girls who are faithful stewards of whatever God provides.  With practical tools like distinguishing between needs and wants and inviting your daughter into the "why" behind your saving habits, this episode equips you to bring faith into everyday financial decisions—right where your family lives.    Two Things to Remember:  Be honest about the difference between wants and needs in your family's spending.   Let your daughter see the "why" behind your saving habits—connect it back to your faith in God.     Scriptures Referenced:  Matthew 6:11   1 Timothy 6:10   Philippians 4:11–19   Psalm 23:1    Visit raisinggodlygirls.com for more encouragement and faith-based parenting tools.   Learn how to find or start an American Heritage Girls Troop in your community at americanheritagegirls.org.    

What if the blueprint for building wealth hasn't changed in over 5,000 years? In this episode, Gino Barbaro breaks down the timeless principles from one of the most influential personal finance books ever written: The Richest Man in Babylon. While most people believe wealth creation is complicated, involving stock picking, market timing, economic cycles, and advanced investing strategies, the truth is much simpler. The foundation of wealth starts with habits. In this episode, Gino walks through the famous "Seven Cures for a Lean Purse" and explains how they apply to modern investing, entrepreneurship, real estate, financial planning, retirement, and creating long-term generational wealth. Whether you're just beginning your financial journey or looking to strengthen your wealth-building foundation, this episode provides timeless principles that still work today. Timestamps 00:00 – The Wealth Blueprint That Has Worked for 5,000 Years 01:28 – The First Cure: Pay Yourself First 05:54 – The Second Cure: Control Your Spending 07:40 – The Third Cure: Make Your Money Multiply 10:33 – The Fourth Cure: Protect Your Wealth 12:23 – The Fifth Cure: Make Your Home a Profitable Investment 16:06 – The Sixth Cure: Ensure Future Income 17:40 – The Seventh Cure: Increase Your Ability to Earn 19:17 – Practical Wealth-Building Exercises 20:00 – Create a Budget and Track Your Spending 22:30 – Finding the Right Investment Vehicle 24:12 – Avoiding Lifestyle Inflation 26:10 – Open Your First Investment Account 28:00 – Why Financial Education Matters 29:05 – The Importance of Tracking Net Worth 30:05 – Final Thoughts on The Richest Man in Babylon This episode is brought to you by Wheelbarrow Profits. Want to learn how successful investors create passive income, build financial freedom, and scale their wealth through multifamily real estate? Visit Wheelbarrow Profits to access educational resources, training, coaching, and tools designed to help investors take control of their financial future. We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Okay so I finally dragged Michael into the studio. It's been like two or three houses ago since he was last on, and honestly every time I get him on you guys go nuts with the questions.If you don't know, Mike is my husband, my business partner, my bestie, and the back office brains behind everything I grow.We've run this business together for eight years now and people are always shocked we haven't killed each other.So we're getting into all of it. How we split our roles, how we make decisions together, the aligned client thing that took him a whole year to unlearn from corporate, our weirdly aligned money habits, and the time I found out he was sleeping on his brother's couch when we first met (I genuinely thought he'd lost all his money).It's a fun one. He's an Aquarian so just lean left of centre and you'll get his energy 

If you've ever paid off debt, built up your savings, gotten a bonus, or felt like you were finally getting ahead... only to find yourself right back in the same place a few months later, this episode is for you.We're talking about a hidden pattern that keeps many women stuck financially, even when they're making good money and doing all the "right" things.It's not a lack of discipline.It's not because you're bad with money.And it's not because you don't care about your future.It may be because your financial thermostat keeps pulling you back to what's familiar.In this episode, we're exploring why progress can feel temporary, why old money habits keep resurfacing, and what it really takes to create lasting change.We'll get into: Why your brain prefers familiar financial patterns, even when they aren't serving you.  The hidden reason you keep ending up back in debt, overspending, or starting over.  Why knowing what to do with money isn't the same as doing it consistently.  How your financial thermostat influences your spending habits, savings, and debt.  The powerful question that can help you identify the pattern you keep repeating. If you've ever thought:"How am I back here again?"Or:"I make good money, so why does it feel like I'm always starting over?"This episode will help you understand what's really happening beneath the surface.Because lasting financial change isn't just about changing the numbers.It's about changing what feels normal.And once your new habits, new behaviors, and new financial decisions start feeling normal, that's when real wealth building begins.If you're tired of feeling like you should be further along financially by now and you're ready to get to the root of what's keeping you stuck, I invite you to click here to book a 1:1 Financial Clarity Consultation.This is for women who make good money but still struggle with overspending, debt, saving, or building wealth consistently.Together, we'll look at where you are, where you want to be, what's actually standing in the way, and how private money coaching will help you overcome your biggest financial challenges and reach your goals faster.You can book your consultation at germainefoley.com/consult.

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 3575: Andrew shares a practical mindset shift for building lasting wealth, showing how patience, purpose, and consistent action matter more than quick-win schemes. From learning to think in terms of “How can I?” to understanding the balance between living below your means and increasing your income, these ideas can help you create more freedom, confidence, and long-term financial security. Read along with the original article(s) here: https://www.dollarafterdollar.com/7-ways-to-become-awesome-with-your-money/ Quotes to ponder: “Patience is the trait that the majority of wealthy people use to accumulate their fortune.” “You are not here to just get by. You want to thrive.” “You need to change this mindset from ‘I can't' to ‘How can I?'” Episode references: SpaceX: https://www.spacex.com/ Michael Jordan: https://www.nba.com/player/893/michael-jordan United States Military Academy West Point: https://www.westpoint.edu/ Bank of America: https://www.bankofamerica.com/ Index fund: https://www.investopedia.com/terms/i/indexfund.asp Tesla: https://www.tesla.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Making more money doesn't guarantee financial freedom. Today's guest explains what actually does.   If you've ever thought, “I make good money… so why do I still feel stressed about it?” — this episode is for you.   In this episode of Balanced, Beautiful & Abundant, Rebecca Whitman sits down with Andrew Giancola, host of The Personal Finance Podcast and founder of  Master Money .   Andrew teaches practical, proven strategies to help people build wealth, reduce financial anxiety, and create true financial freedom—not through hustle culture, but through intentional habits and smart systems.   Whether you're growing a business, building your next chapter, or simply want more peace around money, this conversation will help you create a stronger financial foundation.   ✨ In this episode, you'll learn:   • Why income is one of the biggest levers for creating wealth   • The exact order of operations for building financial freedom   • How to automate your finances and spend less time thinking about money   • Common mistakes even successful people make with wealth   • How to reduce financial stress and anxiety   • The difference between feeling wealthy and actually building wealth   • How to enjoy your life now while creating long-term security   • Small habits that create massive financial results over time   • What to focus on in the next 12 months to transform your finances   This episode is a reminder that abundance isn't just about earning more—it's about creating a life that feels aligned, peaceful, and financially empowered.  

Hey lady! Are you ready to get your ish together once and for all? Then bust that notebook out, sis, because this week Dr. Dom and Terri have a powerhouse guest join them to drop gems on how to get your financial house in order so you can welcome great wealth and prosperity in your life for good!Rachel Rodgers is the founder and owner of Hello Seven, a multi-million dollar company that teaches diverse entrepreneurs how to earn more money and build wealth. She's written several books on how simple mindset shifts can generate long-lasting gains and she's here to offer more wisdom from her latest offering Future Millionaire: A Young Person's Step-by-Step Guide to Making Wealth Inevitable. Don't let the title fool you lady, this book is for all ages. In this episode Rachel offers a framework to help you get to the root of your financial ethos so that you can make decisions from a grounded and abundant place.Sometimes it's as simple as changing the internal dialogue from one of being broke to about to be rich. Making that shift can transform your financial life and put you in a position to build the life of your dreams.Rachel highlights the importance of community in building your best financial life. If you're looking for like-minded women to discuss the book and other issues that help you grow to your best self then head to Patreon where we gather for additional insights and resources. See you there! Quote of the Day:"No matter what your life or bank account looks like today, you can be wealthy."– Rachel Rodgers  Goal Map Like a Pro WorkbookCultivating H.E.R. Space Sanctuary  Where to find Rachel Rodgers:Website: Hello SevenBook: Future Millionaire: A Young Person's Step-by-Step Guide to Making Wealth InevitableInstagram: @rachrodgersesqLinkedIn: Rachel RodgersTwitter (X): @RachRodgersEsqFacebook: Rachel Rodgers  Resources:Dr. Dom's Therapy PracticeBranding with TerriMelanin and Mental HealthTherapy for Black Girls Psychology TodayTherapy for QPOC  Where to find us:Twitter: @HERspacepodcastInstagram: @herspacepodcastFacebook:See omnystudio.com/listener for privacy information.

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 3561: Jen Hayes explains why traditional budgets often fail: we spend on autopilot and lose track of where our money goes. Her cash envelope system creates clear limits, builds awareness around spending habits, and makes budgeting feel simple, visual, and manageable so you can finally stay on track with your financial goals. Read along with the original article(s) here: https://www.jenhayes.me/cant-stick-to-a-budget-heres-the-solution/ Quotes to ponder: "If you can't control your money, the lack of it will forever control you." "When we can physically see the money being taken away from us, we're more mindful about the purchases we make." "There's nothing wrong with re-evaluating your budget and making adjustments as needed." Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode was sponsored by Cardiff, Prosperitas Financial & Jerry Citarella Presents   LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ Today's Dropping Bombs episode gets brutally honest about money with Jerry Citarella — 35-year top-percentile financial advisor, bestselling author, and founder of Prosperitas Financial.   Jerry breaks down the pay-yourself-first system most advisors skip, why emotional investing destroys portfolios, the needs-vs.-wants reality check that actually changes behavior, and how to start building wealth even if you're starting late. He also unveils LetsTalk.money — an AI platform built to help people have the hard financial conversations they've been avoiding.   Doesn't matter if you have $500 or $5 million, the principles in this conversation will change how you think about money for the rest of your life.