Optimal Finance Daily - Financial Independence and Money Advice

Philip Taylor with PT Money talks about why Roth IRAs are so great Episode 2175: What Makes a Roth IRA So Great? by Philip Taylor PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in...

Steve Pavlina talks about the value of generosity Episode 2174: You Earn Passive Income by Being More Generous by Steve Pavlina Steve Pavlina is widely recognized as one of the most successful personal development bloggers on the Internet, with his work attracting more than 100 million visits to his website, StevePavlina.com. He has written more than 1300 articles and recorded many audio programs...

Andrea Joy of Saving Joyfully tells you what to consider when choosing health insurance Episode 2173: Health Insurance - Things to Consider When Choosing Your Coverage by Andrea Joy 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 free...

Julien Saunders of Rich and Regular talks about how he and his wife give back Episode 2172: When, Why and How We Give 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 wi...

Steve Chou of My Wife Quit Her Job shares millionaire success habits and how one simple change can lead to business success. Episode 2171: Millionaire Success Habits & How One Simple Change Can Lead To Business Success by Steve Chou Steve Chou of My Wife Quit Her Job carries both a bachelors and a masters degree in electrical engineering from Stanford University, but spent a good portion of his gr...

Paula Pant of Afford Anything shares how to handle feeling overworked and overwhelmed. Episode 2170: How to Handle Feeling Overworked & Overwhelmed by Paula Pant 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 m...

Sean Mullaney of FI Tax Guy talks about transferring a primary residence to children. This is part 2 of 2. Episode 2169: [Part 2] Transferring a Primary Residence to Children by Sean Mullaney Sean Mullaney is a financial planner and the President of Mullaney Financial & Tax, Inc. Mullaney Financial & Tax, Inc. offers fiduciary, fee-only, hourly, and advice-only financial planning. Sean established...

Sean Mullaney of FI Tax Guy talks about transferring a primary residence to children. This is part 1 of 2. Episode 2168: [Part 1] Transferring a Primary Residence to Children by Sean Mullaney Sean Mullaney is a financial planner and the President of Mullaney Financial & Tax, Inc. Mullaney Financial & Tax, Inc. offers fiduciary, fee-only, hourly, and advice-only financial planning. Sean established...

Honey Smith with Get Rich Slowly talks about whether or not cash should be part of your emergency fund Episode 2167: Should Cash Be Part of Your Emergency Fund? By Honey Smith J.D. Roth has been reading and writing about personal finance for a decade. Today he’s financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everyth...

Ryan Larson of First Line Fin helps you talk about money with your partner Episode 2166: How to Have the "Money Talk" With Your Partner by Ryan Larson Ryan Larson is the principal Investment Advisor Representative and Founder of FirstLine Financial, LLC located in Scottsdale, Arizona. Ryan recognizes the importance of growing and preserving the assets accumulated for retirement and the need for re...

ESI of ESI Money talks about how to pass wealth to your kids Episode 2165: How to Pass Wealth to Your Kids by ESI 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 ind...

Kathleen Coxwell of NewRetirement shares what you can learn from millennials for a better financial future Episode 2164: What You Can Learn From Millennials For a Better Financial Future 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 technolog...

Emma Scheib of Simple Slow Lovely shares why family life doesn't have to be so busy. Episode 2163: Family Life Doesn’t Need To Be So Busy - Here’s How I Slow It Down by Emma Scheib Emma is a self-confessed introvert who craves the simple and slow things in life. She loves to run, read, and write. She is blessed to be wife to a wonderful husband, mum to two amazing and vivacious daughters, 1 dog, a...

Sam of Financial Samurai on controlling the urge to splurge. Episode 2162: Controlling The Urge To Splurge by Sam of Financial Samurai 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 hi...

Christina Browning of Our Rich Journey talks about the downfalls of YOLO and FIRE Episode 2161: YOLO And The FIRE Movement: Why It Doesn’t Work (Yet) by Christina Browning Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it!...

Jeff Rose shares lessons he learned from failing at real estate investing Episode 2160: 7 Lessons I Learned From Failing at Real Estate Investing by Jeff Rose 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 regula...

Carl Pullein talks about how financial habits and situations can affect productivity Episode 2159: How Financial Habits and Situations Can Affect Productivity by Luke Smith Carl has written three books on productivity and time management and coaches companies and individuals around the world through his Time and Life Mastery and Your Digital Life courses.  His passion and dedication to helping peo...

Michelle Schroeder-Gardner of Making Sense of Cents talks about whether or not you need a budget Episode 2158: Do You Need A Budget? 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. Sh...

Amy Blacklock and Vicki Cook of Women Who Money talk about what happens if you die without creating a will Episode 2157: What Happens if I Die Without Creating a Will by Vicki Cook and Amy Blacklock 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 financi...

Robert Farrington of The College Investor helps you build the perfect portfolio allocation Episode 2156: Building The Perfect Portfolio Allocation - 5 Models to Follow by Robert Farrington Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financ...

Ross Enamait of Ross Training shares his thoughts on listening and learning from successful athletes.  Episode 2155: Listen and Learn From Successful Athletes by Ross Enamait of Ross Training 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 r...

Jacob Lund Fisker of Early Retirement Extreme shares extreme early retirement vs. friends and relatives. Episode 2154: Extreme Early Retirement vs. Friends and Relatives by Jacob Lund Fisker Jacob Lund Fisker was a nuclear astrophysicist who retired at 33 with what he believes to be enough savings to last the rest of his life — even if he never works again. His "claim to fame" is the Early Retirem...

Darrow Kirkpatrick of Can I Retire Yet shares how to deal with uncertainty in retirement calculations. This is part 2 of 2. Episode 2153: [Part 2] Dealing with Uncertainty in Retirement Calculations by Darrow Kirkpatrick 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 financial...

Darrow Kirkpatrick of Can I Retire Yet shares how to deal with uncertainty in retirement calculations. This is part 1 of 2. Episode 2152: [Part 1] Dealing with Uncertainty in Retirement Calculations by Darrow Kirkpatrick 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 financial...

Scott Spann with Financial Finesse shares reasons to stay away from a Roth IRA Episode 2151: Reasons to Stay Away From a Roth IRA by Scott Spann 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 wa...