Optimal Finance Daily - Financial Independence and Money Advice

Paula Pant of Afford Anything tells us why her 77% savings rate is meaningless

Episode 1632: Why My 77 Percent Savings Rate Means Nothing by Paula Pant of Afford Anything on What Really Matters Instead

Paula Pant is the founder of the award-winning website AffordAnything.com and a writer and speaker specializing in money, business, and real estate investing. She is a real estate investor, as the owner of seven rental property units in metropolitan Atlanta. She holds a real estate license in Georgia. She's also the host of the Afford Anything podcast.

The original post is located here: https://affordanything.com/77-savings-rate-means-nothing/ 

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Kumiko of The Budget Mom shares 4 budgeting myths that you should ignore

Episode 1631: 4 Budgeting Myths You Should Ignore by Kumiko of The Budget Mom on Simple Financial Smarts

Kumiko went from having a pile of credit card debt to becoming a successful budgeter and Accredited Financial Counselor. The Budget Mom exists to empower women to build a life they love on a budget they understand and can afford.

The original post is located here: https://www.thebudgetmom.com/budgeting-lies-vs-truths/ 

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Dawn Starks of Simple Money Pro talks about how to reduce the cost of car ownership

Episode 1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments

Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg.

The original post is located here: https://simplemoneypro.com/blog/reduce-the-cost-of-car-ownership/ 

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Scott Spann with Financial Finesse talks about the reality of retirement planning

Episode 1629: Can You Really Save More Tomorrow by Scott Spann of Financial Finesse on Planning For Retirement

After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor’s.
This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce.
They’ve helped hundreds of thousands of employees change their lives.

The original post is located here: https://www.financialfinesse.com/2015/01/26/can-you-really-save-more-tomorrow/ 

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Kevin of Financial Panther shares the unexpected benefit of earning less money each year

Episode 1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory

Kevin is an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. He started Financial Panther to share all he knows about personal finance, travel hacking, and making more money by side hustling.

The original post is located here: https://financialpanther.com/the-unexpected-benefit-of-earning-less-money-each-year/ 

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Jeff Rose talks about the impact that debt has on stress and health.

Episode 1627: Dear Dad Why Did You Let Debt Kill You by Jeff Rose of Good Financial Cents on Developing A Proper Financial Plan

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/dear-dad-why-did-you-let-debt-kill-you/ 

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Corey of The Fioneers talk about how to save money where it matters most. This is part 2 of 2.

Episode 1626: [Part 2] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses

Jess and Corey started The Pioneers as a way to track their journey to financial independence. If there’s anything they have learned so far, it’s that Financial independence has many definitions. They choose to think of financial independence as:

The point at which their assets produce enough sustainable income to cover their living expenses.

This is not just about the money, but more importantly, about the freedom that comes with it.

The name “The Fioneers” comes from a combination of: Financial Independence (FI) + Pioneers.

They think the name fits well with their deep-rooted love of adventure. It’s also a constant reminder to enjoy the journey.

 The original post is located here: https://thefioneers.com/reduce-household-expenses/ 

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Corey of The Fioneers talk about how to save money where it matters most. This is part 1 of 2.

Episode 1625: [Part 1] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses

Jess and Corey started The Pioneers as a way to track their journey to financial independence. If there’s anything they have learned so far, it’s that Financial independence has many definitions. They choose to think of financial independence as:

The point at which their assets produce enough sustainable income to cover their living expenses.

This is not just about the money, but more importantly, about the freedom that comes with it.

The name “The Fioneers” comes from a combination of: Financial Independence (FI) + Pioneers.

They think the name fits well with their deep-rooted love of adventure. It’s also a constant reminder to enjoy the journey.

 The original post is located here: https://thefioneers.com/reduce-household-expenses/ 

Gusto offers modern, easy payroll and benefits to small businesses across the country. Get in touch now and get three months free when you run your first payroll. Just go to gusto.com/ofd.

Please Rate & Review the Show!

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Andrea Joy of Saving Joyfully talks about how to find joy in your financial goals

Episode 1624: Find Joy In Your Financial Goals by Andrea Joy of Saving Joyfully on Goals and Dreams Without Debt

Andrea Joy is the creator of Saving Joyfully, a personal finance and frugality blog emphasizing joyful living. On her website, savingjoyfully.com, she offers inspiration and resources for your journey to financial freedom.

The original post is located here: https://www.savingjoyfully.com/blog/find-joy-in-your-financial-goals 

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Jillian Johnsrud challenges the infamous 4% rule.

Episode 1623: Trouble with the 4 Percent Rule by Jillian Johnsrud on Making A Better and Happier Financial Plan

Fifteen years ago when Jillian and her husband Adam were married, they had $55,000 in debt (credit card, student loans, and medical debt). They also had big dreams. They wanted to take mini-retirements. They wanted to travel the world. And they wanted to adopt.

They wanted financial freedom: to never worry about having the money to put food on the table or pay the bills again. She grew up poor, and never ever wanted to feel that way again.

In the last 15 years, they paid off all their debt, traveled to 27 counties, lived abroad for 4 years, took 5 mini-retirements, adopted 4 kids (plus had 2 biological kids!). They paid cash for their very first home and bought 2 rental properties that they fixed up themselves. They have served on boards of nonprofits, mentored kids from tough situations, and volunteered in all sorts of roles.

At 32, she became financially independent. Now it’s her mission to help others build a life that perfectly lines up with their values, passion and purpose.

The original post is located here: https://www.jillianjohnsrud.com/trouble-with-the-4-rule/ 

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