Optimal Finance Daily - Financial Independence and Money Advice

By Optimal Living Daily | Diania Merriam

Optimal Finance Daily is a leading narrated podcast for the FIRE movement (Financial Independence, Retire Early). We curate and read the internet's most influential blogs on stock market investing, pa... more

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The podcast currently has 3,723 episodes available.

Best of Optimal Finance Daily - Financial Independence and Money Advice

The most played episodes among Podcast App listeners.

Number 1: 3685: Rant: Stop Focusing on the 4% Rule by Mr. 1500 Days on Safe Withdrawal Rate
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 3685: Mr. 1500 Days explains why he thinks the endless debate over the 4% rule is a waste of energy for anyone chasing financial independence. He argues the rule rests on historical data that says little about future returns, that sequence of returns risk is overstated because an early retiree still has the skills and network to go back to work, and that almost nobody who retires early stops earning entirely. His real point is that shaving your withdrawal rate down to 3.25% adds years of work to reach a number your experience, your partner, and your community already insure against. Read along with the original article(s) here: https://www.1500days.com/rant-stop-focusing-on-the-4-rule/ Quotes to ponder: "The only thing that I'm completely certain about is that future returns are uncertain." "Instead of obsessing over withdrawal rates, use your precious brainpower and time to figure out how to live your best life." "You probably won't run out of money, but you will run out of life." 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
September 01, 202614min
Number 2: 3691: What Will You Do When You're Retired? by Darrow Kirkpatrick of Can I Retire Yet on Retirement Planning
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 3691: Darrow Kirkpatrick explains that a satisfying retirement is not an endless vacation but a re-mixing of the same ingredients that filled your working life. He walks through the six elements he believes matter most: fun, staying busy, creativity, productivity, service, and freedom. He also warns that the real risk is not boredom but overcommitment, and that protecting a sense of space is part of retirement planning. Read along with the original article(s) here: https://www.caniretireyet.com/what-will-you-do-when-retired/ Quotes to ponder: "A satisfying retirement, I've found, is ultimately a new mixture or a re-purposing of the same ingredients that were in your working life." "In truth, most people will need more out of retirement than pure leisure." "The main point may be to have goals, and make progress towards them." 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
September 06, 202614min
Number 3: 3699: Great Financial Lessons My Dad Taught Me: Money Doesn't Have To Make Your Life Miserable by Michelle Schroeder-Gardner on Money Mindset
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 3699: Michelle Schroeder-Gardner shares the financial lessons her late father taught her, from budgeting through repeated layoffs to using credit deliberately rather than avoiding it. She describes a man who was not wealthy but who managed his money so well that he traveled to more than fifty countries on an ordinary income. The lesson she carries is that money management is what buys freedom, not what takes it away. Read along with the original article(s) here: https://www.makingsenseofcents.com/2017/04/great-financial-lessons.html Quotes to ponder: "If you are thinking my dad was rich, he wasn't. Instead, he worked with his budget and always made sure to fit exciting trips in because that is what he believed in." "I think the most important money lesson I learned from my father is that money doesn't have to control you." "Too many people believe that they can't lead a good life on a budget. That is not true at all." 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
September 13, 202610min
Number 4: 3692: 5 Investments That Made Me a Millionaire by Chris Reining on Building Wealth
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 3692: Chris Reining explains that building wealth starts with living below your means and investing the difference, but that the highest-return investments he made were in himself and cost almost nothing. He walks through five of them: finding a career mentor, joining a mastermind, stacking complementary talents, removing routine decisions with systems, and committing to lifelong learning. His argument is that becoming more valuable is what makes the money side work. Read along with the original article(s) here: https://chrisreining.com/5-investments/ Quotes to ponder: "Living below your means so you can save, and then investing those savings." "You see, it's not only about investing in things like stocks or real estate, it's about investing in yourself." "This way you're spending what you have left after investing, instead of investing what you have left after spending." 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
September 07, 202611min
Number 5: 3697: My 4 Favorite Pieces of Financial Advice Ever by J. Money of Budgets Are Sexy on Personal Finance
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 3697: J. Money boils years of writing about personal finance down to the four pieces of advice he repeats most often: contribute at least enough to your 401k to capture the full employer match, track every dollar you spend for three months, build an emergency fund big enough to sleep at night, and get rid of bad debt. He explains why each one works, including the tax break that makes the 401k contribution sting less than expected, and admits how wide the gap was between what he had budgeted and what he was actually spending. Read along with the original article(s) here: https://budgetsaresexy.com/my-4-favorite-pieces-of-financial/ Quotes to ponder: "Contribute AT LEAST as much as your employer matches." "This is the one thing you can do to learn EXACTLY where your hard-earned money goes to." "There's something to be said in having a pile of cash in your account for whatever it is you'll need it for." 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
September 12, 202610min