Optimal Finance Daily - Financial Independence and Money Advice

Sam of Financial Samurai reflects on whether or not he should have closed his credit cards for the better of his credit score.

Episode 1582: Should I Have Closed My Credit Cards by Sam of Financial Samurai on The Impacts On Your Credit Score

Sam Dogen's net worth took a beating in 2009 as the world was falling apart. He thought it would be a good idea to start a personal finance site to help himself and others make sense of chaos. After all, he had spent 10 years working in the finance industry, got his MBA from Cal, invested and saved aggressively, and still got financially rocked! Since then, more than 20 million visitors have stopped by FinancialSamurai.com.

The original post is located here: https://www.financialsamurai.com/should-i-close-out-my-credit-cards/  

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Tania Brown with Financial Finesse provides 7 steps that will help you towards your financial independence day.

Episode 1581: 7 Steps To Your Financial Independence Day by Tania Brown with Financial Finesse on Reaching Economic Freedom

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/2017/07/04/7-steps-to-your-financial-independence-day-2/ 

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.

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ESI of ESI Money tells us how to retire on one million dollars or less.

Episode 1580: How to Retire on 1 Million or Less by ESI Money on Reaching Financial Independence by 35 Years Old

ESI Money is written by "ESI", a 50-something retiree. The site is basically a list of what's allowed him to become financially independent and how you can implement those successes in your life. His philosophy is simple and focuses on doing three simple things to achieve financial independence: earn, save, invest. There's a bit more to it than that, of course, but if you can concentrate on these three areas, they will get you at least 90% of the way there.

The original post is located here: https://esimoney.com/retire-1-million-less/ 

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Philip Dancy of Dancy With Money shares two short posts covering setting financial goals and budgeting tips for couples

Episode 1579: Setting Financial Goals The SMART Way AND What's Yours Is Mine - Budgeting Tips for Couples by Philip Dancy

Philip Dancy joined one of the top investment banking firms upon his graduation from the Five Year MBA program at Hampton University. After starting his career in New York City and getting his first check, he understood that this “adulting” life wasn’t going to be simple. However, the one thing he knew he had to do was create a budget for himself. Through a period of trial and error, Philip was able to establish a solid foundation. As a result, Philip reached a point where he was comfortable and on a trajectory towards financial freedom. Philip’s main goal is to help millennials and Gen Z’ers (but ultimately everyone) establish a strong financial foundation through coaching while helping them turn steps into strides.

The original posts are located here: https://dancywithmoney.com/blog/setting-financial-goals-the-smart-way & https://dancywithmoney.com/blog/couples-budgeting-tips 

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Chris Reining discusses the art of investing, and using both sides of your brain while doing so.

Episode 1578: The Art of Investing by Chris Reining on Using Your Left and Right Side of Your Brain When Investing

Chris Reining is an investor, writer, and avid student of life. He shares how to build wealth and reach financial freedom on his website ChrisReining.com.

The original post is located here: https://chrisreining.com/art-of-investing/ 

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Darrow Kirkpatrick shares 8 tips for saving big and retiring earlier. This is part 2 of 2.

Episode 1577: [Part 2] 8 Tips for Saving Big and Retiring Earlier by Darrow Kirkpatrick of Can I Retire Yet

Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience.
When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did.

More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design.

The original post is located here: https://www.caniretireyet.com/8-tips-for-saving-big-and-retiring-earlier/ 

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Darrow Kirkpatrick shares 8 tips for saving big and retiring earlier. This is part 1 of 2.

Episode 1576: [Part 1] 8 Tips for Saving Big and Retiring Earlier by Darrow Kirkpatrick of Can I Retire Yet

Darrow Kirkpatrick is the founder of CanIRetireYet.com. He began serious investing in his mid-30s and retired at age 50. He's not a dot com millionaire and didn't become financially independent by flipping real estate or trading hot stocks. He did it the traditional way: hard work, frugality, prudent investing, and patience.
When it comes to personal finance, his top priorities are simplicity, reliability, and safety. Now his mission is to help others become financially independent as he did.

More recently, Chris Mamula has been managing the blog and he's a frequent writer on the site. Chris used principles of traditional retirement planning, combined with creative lifestyle design, to retire from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, DIY investing, financial planning, early retirement, and lifestyle design.

The original post is located here: https://www.caniretireyet.com/8-tips-for-saving-big-and-retiring-earlier/ 

Let Ryan Reynolds help you cut your wireless bill to 15 bucks a month at mintmobile.com/OFD

Please Rate & Review the Show!

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Joel of 5AM Joel reveals 10 financial statistics of the average American.

Episode 1575: 10 Financial Statistics of the Average American by Joel of Budgets Are Sexy on Finance Comparisons

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://www.budgetsaresexy.com/financial-statistics-average-american/ 

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Amanda of Women Who Money discusses whether or not it's a good idea to plan for social security.

Episode 1574: Social Security - Planning For It or Not In Your Future by Amanda of Women Who Money

The co-founders of Women Who Money are Amy Blacklock from Life Zemplified and Vicki Cook, from Make Smarter Decisions. Vicki and Amy connected initially online and eventually met in person at a financial conference in the fall of 2017.

They’ve both reached financial independence and left full-time work to devote more time to family, pursue passion projects, and embrace fun and challenging opportunities.

They enjoy collaborating on original content and sharing great articles written by and for women.

The original post is located here: https://womenwhomoney.com/social-security-planning-your-future/ 

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Camilo Maldonado of The Finance Twins tells you when it makes sense to buy your first house.

Episode 1573: Here's When To Buy Your First House by Camilo Maldonado of The Finance Twins on Making Sense When Buying A Home

Camilo and Francisco Maldonado are the Finance Twins. Most people think money is confusing unless you are an accountant. We used to think that too. After working incredibly hard and catching several lucky breaks, we realized so many people are looking for ways to learn about personal finance, how to manage money, and how to get out of crippling debt. They have tons of tools and resources as well as countless articles that have everything you need to start your path to financial freedom.

The original post is located here: https://thefinancetwins.com/when-to-buy-your-first-house/ 

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