Optimal Finance Daily - Financial Independence and Money Advice

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1626: [Part 2] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses Aug 22, 2021

Show notes

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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1625: [Part 1] Save Money Where It Matters Most by Corey of The Fioneers on Reducing Your Household Expenses Aug 21, 2021

Show notes

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

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.

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1624: Find Joy In Your Financial Goals by Andrea Joy of Saving Joyfully on Goals and Dreams Without Debt Aug 20, 2021

Show notes

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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1623: Trouble with the 4 Percent Rule by Jillian Johnsrud on Making A Better and Happier Financial Plan Aug 19, 2021

Show notes

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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1622: Understanding 401k Loans by Mike Ballew of EggStack on Significant Harm to Your Retirement Savings Aug 18, 2021

Show notes

Mike Ballew of Eggstack helps us to understand 401k loans

Episode 1622: Understanding 401k Loans by Mike Ballew of EggStack on Significant Harm to Your Retirement Savings

Mike Ballew is a 56-year-old engineer turned blogger who reached a point in life where he sees things more clearly than ever before. He faced financial challenges and overcame them through hard work and determination. His blog helps others navigate their personal finances and plan for retirement.

The original post is located here: https://eggstack.com/blog/2021-06-13-Understanding-401(k)-Loans/

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1621: Why I’m Not a Financial Moron by Doc G of Earn And Invest on Making Great Financial Decisions Aug 17, 2021

Show notes

Doc G talks about making great financial decisions

Episode 1621: Why I’m Not a Financial Moron by Doc G of Earn And Invest on Making Great Financial Decisions

Doc G was an internal medicine physician when he discovered the personal finance community through a book called The White Coat Investor. Since then he has left clinical practice to pursue his passion for deep conversations about money and life.

The original post is located here: https://www.earnandinvest.com/blog/why-im-not-a-financial-moron

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1620: Financial Fear and Resistance by Alacias Enger of My Sense With Cents on Financial Independence Aug 16, 2021

Show notes

Alacias Enger discusses financial fear and resistance

Episode 1620: Financial Fear and Resistance by Alacias Enger of My Sense With Cents on Financial Independence

Sense with Cents chronicles Alacias' journey using Law of Attraction while pursuing Financial Independence, and the belief that everyone can win with money. She believes that mindset, emotion, and financial knowledge are the keys to success. All opinions are her own and do not constitute financial advice.

The original post is located here: http://www.mysensewithcents.com/2021/05/financial-fear-and-resistance.html

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1619: 5 Questions to Ask Yourself Before You Give Up On Budgeting AND Common Money Mistakes by Philip Dancy Aug 15, 2021

Show notes

Philip Dancy of Dancy With Money shares two short posts covering 5 questions ask yourself before giving up on budgeting and common money mistakes

Episode 1619: 5 Questions to Ask Yourself Before You Give Up On Budgeting AND Common Money Mistakes 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/5-questions-to-ask-yourself-before-you-give-up-on-budgeting & https://dancywithmoney.com/blog/common-money-mistakes

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1618: The Only Metric That Matters by Julien Saunders of Rich And Regular on Your Financial New Worth Aug 14, 2021

Show notes

Julien Saunders of Rich and Regular tells us what the only metric that matters is.

Episode 1618: The Only Metric That Matters by Julien Saunders of Rich And Regular on Your Financial New Worth

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-only-metric-that-matters/

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1617: 5 Financial Habits Every Powerful Woman Needs by Daneika of Learning 2 Fly on Your Financial Life Aug 13, 2021

Show notes

Daneika shares 5 financial habits that every powerful woman needs

Episode 1617: 5 Financial Habits Every Powerful Woman Needs by Daneika of Learning 2 Fly on Your Financial Life

Daneika is an artist, confidence coach, recovering people-pleaser, and the founder of Learning2Fly. She is on a mission to help creative women find their voice, increase their confidence and design a more fulfilling life

The original post is located here: https://learning2fly.org/5-financial-habits-every-powerful-woman-needs/

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