Optimal Finance Daily - Financial Independence and Money Advice

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 1 of 2. Episode 2125: [Part 1] 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, c...

April Dykman with Get Rich Slowly reminds you that all value is perceived value Episode 2124: All Value is Perceived Value by April Dykman 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 everything around in 2004. By being the boss...

Mia of She Dreams All Day shares how to find your passion in life. Episode 2123: How To Find Your Passion In Life by Mia of She Dreams All Day She Dreams All Day is a personal development and productivity blog designed to help you achieve your biggest goals and your wildest dreams. Created by Mia, a constant creative dreamer, now out to help other dreamers. The original post is located here: https...

Jacob Lund Fisker of Early Retirement Extreme shares his thoughts on being a stranger in a strange land. Episode 2122: Stranger In A Strange Land 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 Retirement Extreme site, which...

Erik Carter with Financial Finesse talks about essential financial protections Episode 2121: Do You Have These Essential Financial Protections in Place? By Erik Carter 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 pro...

ESI of ESI Money talks about his worst money mistakes Episode 2120: My Worst Money Mistakes 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 independence: earn...

J. Money of Budgets Are Sexy shares 6 ways to turbocharge your savings Episode 2119: 6 Ways to Turbocharge Your Savings by J. Money J. Money is a 6’1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys. He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance bloggi...

JT McGee with The College Investor talks about REITs and Agency Mortgages Episode 2118: Cash Flow Investments: REITs and Agency Mortgages by JT McGee 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 financing options and navigating the complex...

Craig Stephens of Retire Before Dad talks about the greatest risk to his retirement goal. This is part 2 of 2. Episode 2117: [Part 2] The Greatest Risk To My Retirement Goal by Craig Stephens Craig Stephens of Retire Before Dad is a 43-year-old IT professional, investor, and blogger based in the Washington, DC metro area. His primary financial goal is to retire at age 55, one year before his Dad r...

Craig Stephens of Retire Before Dad talks about the greatest risk to his retirement goal. This is part 1 of 2. Episode 2116: [Part 1] The Greatest Risk To My Retirement Goal by Craig Stephens Craig Stephens of Retire Before Dad is a 43-year-old IT professional, investor, and blogger based in the Washington, DC metro area. His primary financial goal is to retire at age 55, one year before his Dad r...

Zoe Kim with No Sidebar shares 6 ways to sway your family into a life of minimalism. Episode 2115: 6 Ways to Sway Your Family Into a Life of Minimalism by Zoe Kim No Sidebar was created by Brian Gardner and is all about designing a simpler life. He and the contributing authors want to help you figure out what's getting in your way, at home and at work. They want to help you let go of distractions,...

Steve Pavlina shares a simple abundance mini-challenge. Episode 2114: A Simple Abundance Mini-Challenge 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 on a br...

Jen Hayes wishes you a frugal Christmas Episode 2113: Have Yourself a Frugal Little Christmas by Jen Hayes A few years ago, Jen and her husband were buried in $117,000 of student loan debt. Now, they've paid off over $100k of debt, and they're on track to have the rest paid off by the end of this year. Join their email list to get exclusive tips on how to save money, earn more, and live like no on...

Jackie Beck warns you of a common credit card mistake Episode 2112: Could You Be Making This Super-Common Credit Card Mistake? By Jackie Beck Jackie and her husband paid off over $147,000 in debt, including their house! She’s walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been fea...

Kalen Bruce of Money Mini Blog shares 4 types of insurance you should consider Episode 2111: 4 Types of Insurance You Should Consider by Kalen Bruce Kalen Bruce is the founder of MoneyMiniBlog. His story is simple… he and his wife were $24,000 in debt and became a student of finances to get out. They are now debt-free and building wealth. Kalen shares everything he has learned on his blog, writing...

Sam of Financial Samurai talks about what to do if the money runs out Episode 2110: Taking Money For Granted: What To Do If The Money Runs Out? By Sam Dogen 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 fi...

Julien Saunders of Rich and Regular talks about how basic knife skills can save you money Episode 2109: How Basic Knife Skills Can Save You Money 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 n...

Ryan Larson of First Line Fin talks about savings strategies Episode 2108: Savings Strategies 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 reallocating those assets in transition from...

Beth Wittig Clayton with Mark Fisher Fitness helps you to stop sabotaging yourself Episode 2107: How to Avoid Sabotaging Yourself (To Be Accepted) by Beth Wittig Clayton Mark Fisher Fitness helps people who hate gyms find a fitness home they actually love. They offer classes, semi-private training, and six week transformation programs. Whether you've tried everything and never found a love match,...

Chris Reining shares where to invest after maxing out retirement accounts. Episode 2106: Where Do I Invest After Maxing Out Retirement Accounts? by Chris Reining 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/where-do-i-invest-after...

Miranda Marquit of Good Financial Cents compares a HELOC to a second mortgage Episode 2105: Should You Do a HELOC or a Second Mortgage? By Miranda Marquit 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...

Sean Mullaney of FI Tax Guy shares FIRE tax strategies for beginners. This is part 2 of 2. Episode 2104: [Part 2] FIRE Tax Strategies For Beginners 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 Mullaney Financial & Tax,...

Sean Mullaney of FI Tax Guy shares FIRE tax strategies for beginners. This is part 1 of 2. Episode 2103: [Part 1] FIRE Tax Strategies For Beginners 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 Mullaney Financial & Tax,...

Andy Hill of Marriage Kids And Money talks about the value of HSAs Episode 2102: What Is An HSA & Why Your Family Needs One by Andy Hill Andy Hill is a husband and father to two awesome (and crazy) kids and they hail from the great state of Michigan. His goal is to give his family the best life possible and strengthen their family tree for generations to come. In 2016, he got so geeked about this...

Helene Massicotte of Free To Pursue talks about how you can be frugal and still shop gourmet Episode 2101: You Can Be Frugal and Shop Gourmet 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,...