Optimal Finance Daily - Financial Independence and Money Advice

Latest Episodes:

517: 10 Things Americans Waste Time On by J. Money of Budgets Are Sexy Feb 20, 2018

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Inspired by FreeMoneyFinance, J. Money of Budgets Are Sexy shares his take on the 10 things Americans waste their money on.

Episode 517: 10 Things Americans Waste Time On by J. Money of Budgets Are Sexy (Tips for Living Frugally - American Consumerism).

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 blogging and idea sharing, randomly turning BudgetsAreSexy.com into his full time “real job” a few short years later--14 million views later!

The original post is located here: http://www.budgetsaresexy.com/10-things-americans-waste-money-on

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516: How Debt-Shaming Can Prevent Debt Relief by Jeriann Watkins with Money Mini Blog Feb 19, 2018

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Jeriann Watkins with Money Mini Blog shares how debt-shaming can prevent debt relief.

Episode 516: How Debt-Shaming Can Prevent Debt Relief by Jeriann Watkins with Money Mini Blog (Getting Out of Debt).

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 informative, entertaining, mini blogs to help you with your finances. Finances can be intimidating, so he keeps his posts short, sweet, and simple.

The original post is located here: http://moneyminiblog.com/debt-relief/debt-shaming

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515: Reader Case Study: Yeah But How About a Difficult Life - Part 2 by Mr. Money Mustache Feb 16, 2018

Show notes

Mr. Money Mustache answers a reader's question about a more difficult life. This is Part 2 of 2.

Episode 515: Reader Case Study: Yeah But How About a Difficult Life - Part 2 by Mr. Money Mustache (How to Cut Back Regular Expenses).

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/2012/11/07/reader-case-study-yeah-but-how-about-a-difficult-life

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514: Reader Case Study: Yeah But How About a Difficult Life - Part 1 by Mr. Money Mustache Feb 15, 2018

Show notes

Mr. Money Mustache answers a reader's question about a more difficult life. This is Part 1 of 2.

Episode 514: Reader Case Study: Yeah But How About a Difficult Life - Part 1 by Mr. Money Mustache (Making Ends Meet on One Income).

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.

The original post is located here: http://www.mrmoneymustache.com/2012/11/07/reader-case-study-yeah-but-how-about-a-difficult-life

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513: Wealth is an Illusion of Happiness by Lyndon with Financial Samurai Feb 14, 2018

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Guest author Lyndon with Financial Samurai shares his take on Sam's post about him.

Episode 513: Wealth is an Illusion of Happiness by Lyndon with Financial Samurai (Making a Six Figure Income Doesn't Make You Happy).

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 his MBA from Cal, invested and saved aggressively, and still got financially rocked! Since then, more than 20 million visitors have stopped by FinancialSamurai.com.

The original post is located here: https://www.financialsamurai.com/wealth-is-an-illusion-of-happiness

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512: The Curse of Making Too Much Money and Not Pursuing Your Dreams by Sam of Financial Samurai Feb 13, 2018

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Sam of Financial Samurai shares his opinion about a real life friend's curse of making too much money and not pursuing his dreams.

Episode 512: The Curse of Making Too Much Money and Not Pursuing Your Dreams by Sam of Financial Samurai (Financial Freedom).

The original post is located here: https://www.financialsamurai.com/the-curse-of-making-too-much-money-and-not-pursuing-your-dreams

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511: The Less You Own the Less That Owns You by Michelle Schroeder-Gardner of Making Sense of Cents Feb 12, 2018

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Michelle Schroeder-Gardner of Making Sense of Cents shares her take on minimalism.

Episode 511: The Less You Own the Less That Owns You by Michelle Schroeder-Gardner of Making Sense of Cents (Minimalism & Money).

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/2017/01/minimalist-living.html

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510: Adventures in Experientialism: Why I Gave Up Buying Things to Travel by Anthony Ongaro with Cait Flanders Feb 09, 2018

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Anthony Ongaro of Break the Twitch with Cait Flanders shares his adventures in experientialism.

Episode 510: Adventures in Experientialism: Why I Gave Up Buying Things to Travel by Anthony Ongaro with Cait Flanders (Traveling).

Cait Flanders started her site to document her debt repayment journey. After paying it off, she adopted a minimalist lifestyle, tossed 75% of her stuff, and is currently doing a two-year shopping ban. She shares stories and lessons learned every week.

The original post is located here: https://caitflanders.com/2015/09/21/adventures-in-experientialism-why-i-gave-up-buying-things-to-travel

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509: You Can't Buy Your Way to Better Habits by Kristin Wong Feb 08, 2018

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Why do we tend to default to spending money to fix bad habits? Kristin Wong shares a better approach.

Episode 509: You Can't Buy Your Way to Better Habits by Kristin Wong (Save Thousands & Financial Happiness).

Kristin Wong is a freelance writer and journalist who writes for Lifehacker, Mentalfloss, and New York Magazine. She frequently covers travel, personal finance, and human behavior.

Kristin launched her own blog, www.thewildwong.com, to write about life as a work-from-anywhere freelancer. She aims to help other creative entrepreneurs navigate the tricky world of freelancing, from managing money to traveling the world to staying productive and getting stuff done.

Kristin is a self-professed money geek and is slated to publish a book about personal finance in March of 2018.

The original post is located here: https://www.thewildwong.com/spending-money-better-habits

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508: Start with $100 by Chris Reining Feb 07, 2018

Show notes

Chris Reining shares the basics of getting to $1 million from $100.

Episode 508: Start with $100 by Chris Reining (Investment fundamentals & How to Retire Early).

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/start-with-100

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