Optimal Finance Daily - Financial Independence and Money Advice

Latest Episodes:

867: I Don't Want My Kids to be Crushed by Student Loans. Do You? by Michael Smith with Financial Finesse on College Jun 25, 2019

Show notes

Michael Smith with Financial Finesse shares his thoughts on getting crushed by student loans.

Episode 867: I Don't Want My Kids to be Crushed by Student Loans. Do You? by Michael Smith with Financial Finesse on College

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/2012/06/08/i-dont-want-my-kids-to-be-crushed-by-student-loans-do-you/

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866: The Ultimate Guide to Going Broke by James Altucher on Life & Money Principles to Optimize Your Life & To Live By Jun 24, 2019

Show notes

James Altucher shares the ultimate guide to going broke.

Episode 866: The Ultimate Guide to Going Broke by James Altucher on Life & Money Principles to Optimize Your Life & To Live By

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/ultimate-guide-going-broke/

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865: When Should You Self-Insure? by Darrow Kirkpatrick of Can I Retire Yet on Saving Money on Insurance Jun 21, 2019

Show notes

Darrow Kirkpatrick of Can I Retire Yet shares when you should self-insure.

Episode 865: When Should You Self-Insure? by Darrow Kirkpatrick of Can I Retire Yet on Saving Money on Insurance

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/when-should-you-self-insure/

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864: Reader Story: The Man Who Thought Early Retirement Sucked by Brandon Turner with Mr. Money Mustache on Freedom Jun 20, 2019

Show notes

Brandon Turner with Mr. Money Mustache shares a story about the man who thought early retirement sucked.

Episode 864: Reader Story: The Man Who Thought Early Retirement Sucked by Brandon Turner with Mr. Money Mustache on Freedom

Mr. Money Mustache is a thirty-something retiree who now writes about how we can all live a frugal, yet awesome, life of leisure.

He and his wife studied engineering and computer science in Canada, then worked in standard tech-industry cubicle jobs in various locations throughout the late ’90s and early 2000s.

Then they retired from real work way back in 2005 in order to start a family. This was achieved not through luck or amazing skill, but simply by living a lifestyle about 50% less expensive than most of their peers and investing the surplus in very boring conservative Vanguard index funds and a rental house or two.

The original post is located here: http://www.mrmoneymustache.com/2013/03/23/reader-story-the-man-who-thought-early-retirement-sucked/

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863: [Part 2] What is an Index Fund and Why You Should Care by Nick True of Mapped Out Money on Mutual Fund Investments Jun 19, 2019

Show notes

Nick True of Mapped Out Money shares what an index fund is and why you should care. This is part 2 of 2.

Episode 863: [Part 2] What is an Index Fund and Why You Should Care by Nick True of Mapped Out Money on Mutual Fund Investments

Nick True is the founder of Mapped Out Money, where he helps you get a grip on your finances and take hold of freedom. His goal is to help you save more, live more, reduce debt, and get free. Mapped Out Money is for you if you want actionable steps to help get control of your money, you want to be free from money stress, you're ready to change your life and use money to support your dreams, and you don't want to settle for mediocrity.

The original post is located here: https://mappedoutmoney.com/what-is-an-index-fund-and-why-you-should-care/

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862: [Part 1] What is an Index Fund and Why You Should Care by Nick True of Mapped Out Money on Stock Market Investing Jun 18, 2019

Show notes

Nick True of Mapped Out Money shares what an index fund is and why you should care. This is part 1 of 2.

Episode 862: [Part 1] What is an Index Fund and Why You Should Care by Nick True of Mapped Out Money on Stock Market Investing

The original post is located here: https://mappedoutmoney.com/what-is-an-index-fund-and-why-you-should-care/

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861: How to Get Your Spouse on Board with Early Retirement by Jill with Mad Fientist on Financially Independent Couples Jun 17, 2019

Show notes

Jill with Mad Fientist shares how to get your spouse on board with early retirement.

Episode 861: How to Get Your Spouse on Board with Early Retirement by Jill with Mad Fientist on Financially Independent Couples

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 post is located here: https://www.madfientist.com/spouse-early-retirement/

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860: Reason to Have an Emergency Fund: Medical Emergencies by Natalie with Making Sense of Cents on Rainy Day Funds Jun 14, 2019

Show notes

Natalie with Making Sense of Cents shares why medical emergencies are another reason to have an emergency fund.

Episode 860: Reason to Have an Emergency Fund: Medical Emergencies by Natalie with Making Sense of Cents on Rainy Day Funds

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. She's currently touring North America and living out of an RV. You can learn more about her and see her monthly income reports at MakingSenseOfCents.com.

The original post is located here: https://www.makingsenseofcents.com/2014/02/emergency-fund-medical-emergencies.html

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859: More On Motivation and Money by Honey Smith with Get Rich Slowly on Inspiration for Better Personal Finances Jun 13, 2019

Show notes

Honey Smith with Get Rich Slowly shares more on motivation and money.

Episode 859: More On Motivation and Money by Honey Smith with Get Rich Slowly on Inspiration for Better Personal Finances

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/more-on-motivation-and-money/

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858: Become Wealthy by Having a High Income in a Low Cost City by ESI of ESI Money on Building Wealth & Living Costs Jun 12, 2019

Show notes

ESI of ESI Money shares how to become wealthy by having a high income in a low cost city.

Episode 858: Become Wealthy by Having a High Income in a Low Cost City by ESI of ESI Money on Building Wealth & Living Costs

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/become-wealthy-by-having-a-high-income-in-a-low-cost-city/

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