Optimal Finance Daily - Financial Independence and Money Advice

Latest Episodes:

887: Financial Planning (Part 1): Time and Planning by Grumpus Maximus on Financial Independence Plans Jul 23, 2019

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Grumpus Maximus shares his thoughts on financial planning.

Episode 887: Financial Planning (Part 1): Time and Planning by Grumpus Maximus on Financial Independence Plans

Grumpus Maximus is a 40 something US military officer with 19 years of active duty service under my belt. He's spent over four years of that career either deployed or stationed in the Middle East, and another three years stationed in Europe. As he travels to his family's mostly unintentional path to FI, he wants to share his knowledge. Anyone who is eligible for a defined benefit pension could easily implement their own goal to achieve FI. Grumpus Maximus' path is not only replicable, but easily built and improved upon.

The original post is located here: https://grumpusmaximus.com/financial-planning-part-1-time-and-planning/

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886: My First Dip Into Principal: Market Timing or Cash Management? by Darrow Kirkpatrick of Can I Retire Yet Jul 22, 2019

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Darrow Kirkpatrick of Can I Retire Yet shares his thoughts on his first dip into principal.

Episode 886: My First Dip Into Principal: Market Timing or Cash Management? 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/my-first-dip-into-principal-market-timing-or-cash-management/

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885: Front-Loading AND The Benefits of Keeping Your Finances Separate by The Mad Fientist on Tax Optimization Jul 19, 2019

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2 short posts from The Mad Fientist where he shares his thoughts on front-loading and the benefits of keeping your finances separate.

Episode 885: Front-Loading AND The Benefits of Keeping Your Finances Separate by The Mad Fientist on Tax Optimization

The Mad Fientist analyzes the tax code and looks at personal finance through the lens of early financial independence to develop strategies and tactics to help you retire even earlier.

Most personal finance advice is geared towards people retiring in their 60s or later and doesn’t apply to those of us pursuing early financial independence. The Mad Fientist is focused on providing advice and innovative tax-avoidance methods specifically for people wanting to break away from full-time employment very early in life. He also hosts the Financial Independence Podcast.

The original posts are located here: https://www.madfientist.com/front-loading/ & https://www.madfientist.com/spouse-separate-finances/

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884: Stocks - Part XV: Target Retirement Funds, The Simplest Path To Wealth Of All by JL Collins on 401k Choices Jul 18, 2019

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JL Collins of JLCollinsNH.com shares his thoughts on target retirement funds.

Episode 884: Stocks - Part XV: Target Retirement Funds, The Simplest Path To Wealth Of All by JL Collins on 401k Choices

Mr. Collins is a senior executive with extensive P&L experience and a proven track record of growing revenue and profitability, integrating acquisitions, launching new products, developing and implementing business plans, creating powerful marketing strategies, building strong customer relationships and building effective teams. He is experienced in a broad range of markets including technology, automotive, investments, design engineering, electronics manufacturing, construction, horticulture and energy.

Mr. Collins is also an accomplished consultant, author and speaker. He is retired, but continues to write on his blog.

The original posts are located here:

https://jlcollinsnh.com/2012/12/18/stocks-part-xv-target-retirement-funds-the-simplest-path-to-wealth-of-all/

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883: Why I Invest with Index Funds by ESI of ESI Money on Smart & Easy Investing Strategies Jul 17, 2019

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ESI of ESI Money shares why he invests with index funds.

Episode 883: Why I Invest with Index Funds by ESI of ESI Money on Smart & Easy Investing Strategies

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/why-i-invest-with-index-funds/

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882: Mindful Money by Ira Israel on The Psychology of Money & Financial Wellbeing Jul 16, 2019

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Ira Israel shares his thoughts on mindful money.

Episode 882: Mindful Money by Ira Israel on The Psychology of Money & Financial Wellbeing

Since 2011, Ira Israel has been working in private practice as a Licensed Professional Clinical Counselor (LPCC #31) and Licensed Marriage and Family Therapist (LMFT #50646), teaching sold-out transformational workshops, producing a series of best-selling mindfulness DVDs, and writing about psychology, philosophy, Buddhism, yoga, film, art, music & literature for the Huffington Post, Good Men Project, Mind Body Green, Thrive Global, Medium and Quora.

The original post is located here: https://iraisrael.com/mindful-money/

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881: I Shouldn't Want to Be Liked So Much by James Altucher on Financial Choice & Cost of Attending College Jul 15, 2019

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James Altucher shares why he shouldn't want to be liked so much.

Episode 881: I Shouldn't Want to Be Liked So Much by James Altucher on Financial Choice & Cost of Attending College

James Altucher is an American hedge fund manager, entrepreneur, bestselling author, and podcaster. He has founded or cofounded more than 20 companies and says he failed at 17 of them. He has published 11 books, and is a regular contributor to The Financial Times, TechCrunch, and The Huffington Post. USA Today named his book Choose Yourself one of the 12 Best Business Books of All Time.

The original post is located here: https://jamesaltucher.com/blog/i-shouldnt-want-to-be-liked-so-much/

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880: The Value of Human Capital by Will Crosswell with Get Rich Slowly on Improving Net Worth & Self Worth Jul 12, 2019

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Will Crosswell with Get Rich Slowly shares the value of human capital.

Episode 880: The Value of Human Capital by Will Crosswell with Get Rich Slowly on Improving Net Worth & Self Worth

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 of your own life, you, too, can be the master of your own financial fate.

The original post is located here: https://www.getrichslowly.org/the-value-of-human-capital/

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879: Maxing Out Your 401k Could Be Bad by Chris Reining on Early Retirement & Financial Independence Jul 11, 2019

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Chris Reining shares why maxing out your 401k could be bad.

Episode 879: Maxing Out Your 401k Could Be Bad by Chris Reining on Early Retirement & Financial Independence

Chris Reining is a thirty-something guy who provides resources to help manage your money and career to become financially free. His own path to financial freedom has had ups and downs, which is what he writes about on his site. He's been featured in the New York Times, on the Today Show, CNN, CBS, Business Insider, LifeHacker, and more.

The original post is located here: https://chrisreining.com/maxing-out-your-401k-could-be-bad/

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878: 7 Alternatives to Owning a Car That Might Be Better for You by Robert Farrington of The College Investor Jul 10, 2019

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Robert Farrington of The College Investor shares 7 alternatives to owning a car that might be better for you.

Episode 878: 7 Alternatives to Owning a Car That Might Be Better for You by Robert Farrington of The College Investor

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 world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults.

The original post is located here: https://thecollegeinvestor.com/23104/owning-a-car-alternatives/

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