Optimal Finance Daily - Financial Independence and Money Advice

Julien Saunders of Rich and Regular talks about the fallacy of homeownership

Episode 2135: The Fallacy of Homeownership by Julien Saunders

Julien and Kiersten started rich & REGULAR in 2017 after their stint in real estate investing led them to discover the F.I.R.E movement. At that point, they'd listened to their friends complain about doing everything right, and still not really "feeling" happy with the financial progress they'd made. Their blog became a place where they not only shared in their frustrations, but offered solutions to a richer and happier life. They could not have imagined that just a few years later, they would sign a book deal with the world's largest publisher, Penguin Random House. But that's not all. Their blog has afforded them opportunities to work with incredible brands, world-class media and into the fast-paced world of digital entrepreneurship.

The original post is located here: https://richandregular.com/the-fallacy-of-homeownership/ 

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Shailesh Kumar of Good Financial Cents shares when you should use margin when investing

Episode 2134: When Should You Use Margin When Investing? By Shailesh Kumar

Jeff Rose, CFP® is a Certified Financial Planner™, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur.

The original post is located here: https://www.goodfinancialcents.com/when-should-you-use-margin-when-investing/ 

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Kathleen Coxwell of NewRetirement shares why a Roth conversion or backdoor Roth IRA is a good idea right now

Episode 2133: Why a Roth Conversion or Backdoor Roth IRA is a Good Idea Right Now by Kathleen Coxwell

NewRetirement is a company that offers a comprehensive financial planning engine delivered via white label or API. NewRetirement delivers a combination of automated financial planning technology and educational services focused on bringing financial wellness to the mass market in customizable ways. They want to help anyone get confident and achieve financial independence so they can make the most of their money and time.

The original post is located here: https://www.newretirement.com/retirement/roth-conversion-backdoor-roth-ira-2/ 

 Visit Me Online at OLDPodcast.com 

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Joel of 5AM Joel talks about the downsides of owning real estate

Episode 2132: The Downsides to Owning Out of State Rental Properties by Joel of 5AM Joel

Joel is a 35-year old living in Los Angeles with his wife and their dog. He was born and raised in Australia and moved to the US when he was 22. About 4 years ago he started getting up every morning at 5am. It started as one of those 30 day challenges, but after the challenge was over, Joel never stopped. He started noticing major improvements in his work, health, relationships and happiness in life. Joel sends out a short daily message at 5am each morning. He writes about happiness, positivity and learning to be a better human.

The original post is located here: https://5amjoel.com/downsides-out-of-state-rental-properties/ 

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Ross Enamait of Ross Training talks about creating a home gym

Episode 2131: Creating A Home Gym by Ross Enamait

Founded by Ross Enamait, RossTraining.com is dedicated to excellence and innovations in high performance conditioning, strength, and athletic development. His goal with the site is to provide a content-rich resource to assist with your development. As a long time trainer and boxing coach, Ross has dedicated his life to the development and improvement of athletes. He has been in business for over 15 years and has helped numerous athletes succeed at the world class level. It is his career and obsession.

The original post is located here: http://rosstraining.com/blog/2014/01/29/creating-a-home-gym/ 

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Mr. Finer shares two short posts covering why we shy away from investing and the current recession

Episode 2130: 2 Reasons We Shy Away From Investing AND The Government Got the Recession it Wanted By Mr. Finer

Mr. Finer is a normal salaried employee who achieved FI with no side hustle or other income sources. After spending a decade without any plan, he started pursuing FI in his 30s, and achieved it at 40. He created his blog to share experiences, mistakes, successes, benefits, positives, and negatives from his journey.

The original posts are located here: https://mrfiner.com/two-reasons-we-shy-away-from-investing-money-and-what-to-do-about-it/ & https://mrfiner.com/the-government-got-the-recession-it-wanted-now-what/ 

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Jeremy Jacobson of Go Curry Cracker talks about mortgages, home equity and retirement spending

Episode 2129: Mortgages, Home Equity, and Retirement Spending by Jeremy Jacobson

Winnie Tseng is from Taiwan and is the Go Curry Cracker resident photographer. After working in high tech, she found her real love making magic happen behind the camera and in the kitchen. Now she travels the world in search of new flavors and images.

Jeremy Jacobson is from the United States and is the Go Curry Cracker blog writer. His love of learning and adventure make permanent travel the ideal lifestyle.

The original post is located here: https://www.gocurrycracker.com/mortgages-home-equity-and-retirement-spending/ 

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Helene Massicotte of Free To Pursue talks about a bank roll vs. being bank rolled

Episode 2128: Bank Roll Vs. Bank Rolled by Helene Massicotte

Helene Massicotte blogs about living life on your terms and experiencing true personal freedom. She describes herself as a person in search of all that life has to offer and who has built a life that enables her to do just that. No more, no less. She chose to retire from corporate life in her mid-thirties because it wasn't in line with what she wanted anymore.

The original post is located here: http://www.freetopursue.com/blog/2018/1/24/bank-roll-vs-bankrolled 

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Michelle Schroeder-Gardner of Making Sense of Cents talks about relying on credit cards for your emergency fund

Episode 2127: Should You Rely On Credit Cards For Your Emergency Fund? By Michelle Schroeder-Gardner

Michelle Schroeder-Gardner created Making Sense of Cents in order to help improve her own finances. With diligence, she was able to pay off $38,000 in student debt in 7 months, kept track of progress, and helped readers along the way. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com.

The original post is located here: https://www.makingsenseofcents.com/2015/09/credit-cards-for-your-emergency-savings-fund-amount.html 

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Ramit Sethi of I Will Teach You To Be Rich shares examples of big wins and why you need to focus on them. This is Part 2 of 2.

Episode 2126: [Part 2] The Big Wins Manifesto by Ramit Sethi

Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more.

Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich.

He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000.

The original post is located here: https://www.iwillteachyoutoberich.com/blog/the-big-wins-manifesto

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