Len Penzo shares two shorts posts covering why your luxury car doesn't impress smart people and what the difference is between cheap and frugal Episode 2198: Why Your Expensive Luxury Car Doesn’t Impress Smart People AND What Is the Difference Between Cheap and Frugal? by Len Penzo Len Penzo writes about personal finance and macroeconomics on his eponymous personal finance blog, which has been twice-honored as a Kiplinger Best Money Blog, and honored with two Plutus Awards for Best Personal Finance Blog.   Len’s personal finance articles have been featured in the New York Times, MSN, Business Insider, Money, Time, Forbes, The Huffington Post, Yahoo! Finance, CBS MoneyWatch and Clark Howard, just to name a few.   His focus is on the importance of personal responsibility — not only for our personal finances, but also for everything else we do in life. The original posts are located here: https://lenpenzo.com/blog/id1145-why-your-expensive-luxury-car-doesnt-impress-smart-people-or-me-2.html & https://lenpenzo.com/blog/id8068-you-can-call-me-almost-anything-but-please-dont-call-me-cheap-3.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Wang with Get Rich Slowly helps you prepare for buying a home Episode 2197: How to Prepare for Buying a Home by Jim Wang 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/how-to-prepare-for-buying-a-home/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Christina Browning of Our Rich Journey talks about what to do if you're older and don't have a retirement plan Episode 2196: Older and Don’t Have a Retirement Plan? Do This by Christina Browning Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you’re interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/post/older-and-dont-have-a-retirement-plan-do-this  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Leo Babauta of Zen Habits shares how to wait less. Episode 2195: How to Wait Less by Leo Babauta Leo Babauta created Zen Habits, which is about finding simplicity and mindfulness in the daily chaos of our lives. It's about clearing the clutter so we can focus on what's important, create something amazing, find happiness. The original post is located here: http://zenhabits.net/wait  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

FIRECracker with JLCollinsNH.com shares why you should buy your freedom and rent the rest. Episode 2194: Buy Your Freedom; Rent the Rest by FIRECracker 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 post is located here: https://jlcollinsnh.com/2016/10/21/buy-your-freedom-rent-the-rest/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents tells you what to do when you can't pay your bills Episode 2193: What To Do When You Can’t Pay Your Bills by Michelle Schroeder-Gardner 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/2016/02/what-to-do-when-you-cant-pay-your-bills.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Rieckens of Playing With Fire talks about how to pay off your student loans quickly. This is part 2 of 2. Episode 2192: [Part 2] How to Pay Off Student Loans Fast On Your Path to FIRE by Scott Rieckens A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family’s beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family’s journey to acquire the one thing money can’t buy: a simpler — and happier — life.  The original post is located here: https://www.playingwithfire.co/blog/how-to-pay-off-student-loans-fast-fire  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Rieckens of Playing With Fire talks about how to pay off your student loans quickly. This is part 1 of 2. Episode 2191: [Part 1] How to Pay Off Student Loans Fast On Your Path to FIRE by Scott Rieckens A successful entrepreneur living in Southern California, Scott Rieckens had built a “dream life”: a happy marriage, a two-year-old daughter, a membership to a boat club, and a BMW in the driveway. But underneath the surface, Scott was creatively stifled, depressed, and overworked trying to help pay for his family’s beach-town lifestyle. Then one day, Scott listened to a podcast interview that changed his life. Five months later, he had quit his job, convinced his family to leave their home, and cut their expenses in half. Follow Scott and his family as they devote everything to FIRE (Financial Independence Retire Early), a subculture obsessed with maximizing wealth and happiness. Filled with inspiring case studies and powerful advice, Playing with FIRE is one family’s journey to acquire the one thing money can’t buy: a simpler — and happier — life.  The original post is located here: https://www.playingwithfire.co/blog/how-to-pay-off-student-loans-fast-fire  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeff Rose shares how to withdraw money from your IRA without penalty Episode 2190: How to Withdraw Money From Your IRA Penalty Free by Jeff Rose 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 featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/how-to-tap-your-ira-with-no-penalty/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Mr. Finer talks about the dangers of lifestyle inflation Episode 2189: Why Lifestyle Inflation is Harmful and How to Avoid it by Mr. Finer Mr. Finer is a normal salaried employee who achieved FI with no side hustle or other income sources. After spending a decade without any plan, he started pursuing FI in his 30s, and achieved it at 40. He created his blog to share experiences, mistakes, successes, benefits, positives, and negatives from his journey. The original posts are located here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kristoffer Notario of Rat Race Running talks about which big-ticket items to consider Episode 2188: Big-Ticket Items: What Should You Consider? by Kristoffer Notario Kristoffer is an electronics engineer by profession, a teacher by vocation, and a writer by mission. He used to work in a Fortune Global 500 company in the Philippines, but it didn’t take long before he realized that life in a corporate setup is like running a race you can’t win — a rat race. He finally escaped the corporate rat race in 2019 to pursue a different calling in the academic field. He envisions that his actions today will serve as a stepping stone toward obtaining more freedom in the future. He’s now a freelance writer, busy finding ways to reach out to more people toward intentional living. The original post is located here: https://ratracerunning.com/big-ticket-items-what-should-you-consider/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Shanken of MindBodyWise shares her thoughts on conquering your “feelings phobia”. Episode 2187: Conquering your "Feelings Phobia" by Rachel Shanken Rachel Shanken is a Licensed Mental Health Counselor, Yoga Instructor, and now a Phoenix Rising Yoga Therapy Practitioner. Her philosophy is simple: what you seek is already within you. In the busy lives we lead, it's sometimes difficult to stop, listen and access the knowledge that resides deep inside of ourselves. Using a whole-body, client-centered approach, her passion is to: support you with listening to your own internal wisdom, assist you with connecting to what you really want and help to empower you in taking steps toward achieving your goals. The original post is located here: https://mindbodywise.com/blog/conquering-your-feelings-phobia/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Dancy of Dancy With Money shares how to strategically use credit cards and the pain of paying with cash. Episode 2186: How To Strategically Use Credit Cards AND The Pain of Paying: Carrying Cash 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/how-to-strategically-use-credit-cards & https://dancywithmoney.com/blog/the-pain-of-paying-carrying-cash  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Robert Farrington of The College Investor talks about how student loans work Episode 2185: How Student Loans Work: Applying, Borrowing, and Paying Back by Robert Farrington 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/21917/how-student-loans-work/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jen Hayes talks about the role that luck plays in personal finance Episode 2184: How Much of Personal Finance is Luck? 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 one else. The original post is located here: https://www.jenhayes.me//how-much-of-personal-finance-is-luck/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jaime of Keep Thrifty provides 5 lessons she learned from not buying anything new Episode 2183: 5 Lessons From Our Buy Nothing New Challenge by Jaime of Keep Thrifty Chris and Jaime live in the suburbs of Madison, WI with their three daughters. While living the typical suburban life, they are challenging the norms by living outside the box and creating the freedom they desire. At Keep Thrifty, they share their journey and bring you inspiration and tools to help you create your freedom. They’ve got articles and success stories to help inspire you to think differently about your dreams and your finances. They’ve also created a money tracking app to help you take control of your finances and make those dreams a reality. The original post is located here: https://www.keepthrifty.com/buy-nothing-new-challenge/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jackie Beck helps you speed up debt repayment Episode 2182: How to Speed Up Debt Repayment With One Simple Trick 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 featured in Oprah Magazine, MarketWatch, Forbes, CNBC, and more. The original post is located here: https://www.jackiebeck.com/debt-repayment-speed-up/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chelsea Brennan of Smart Money Mamas talks about how to stop emotional spending. This is part 2 of 2. Episode 2181: [Part 2] 5 Simple Ways to Crush Emotional Spending for Good by Chelsea Brennan Chelsea Brennan is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives. The original post can be found here: https://smartmoneymamas.com/crush-emotional-spending/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chelsea Brennan of Smart Money Mamas talks about how to stop emotional spending. This is part 1 of 2. Episode 2180: [Part 1] 5 Simple Ways to Crush Emotional Spending for Good by Chelsea Brennan Chelsea Brennan is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives. The original post can be found here: https://smartmoneymamas.com/crush-emotional-spending/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Trotta shares the benefits of sleep for weight loss and other fitness goals. Episode 2179: Benefits of Sleep for Weight Loss and Other Fitness Goals by Rachel Trotta Rachel Trotta is a certified personal trainer, fitness nutritionalist, and health writer living in Red Bank, New Jersey, and helping clients all over the world. She loves helping women transform their habits and their relationships to themselves, to help them achieve long-lasting results. The original post is located here: https://www.racheltrotta.com/self-improvement/benefits-of-sleep-for-weight-loss/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Guillebeau shares his thoughts on 100 countries or an S.U.V. Episode 2178: 100 Countries or an S.U.V.? by Chris Guillebeau Chris Guillebeau is a New York Times bestselling author and modern-day explorer. He is the author of 5 books and his daily podcast, Side Hustle School, is downloaded more than 2 million times a month. Every summer in Portland, Oregon, Chris hosts the World Domination Summit, a gathering of creative, remarkable people with thousands in attendance. Chris is also the founder of Pioneer Nation, Unconventional Guides, the Travel Hacking Cartel, and numerous other projects. During a lifetime of self-employment that included a four-year commitment as a volunteer executive in West Africa, he visited every country in the world (193 in total) before his 35th birthday. The original post is located here: https://chrisguillebeau.com/100-countries-or-an-suv/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jennifer Coyle with No Sidebar asks if you're a responsible consumer Episode 2177: Are You a Responsible Consumer? by Jennifer Coyle 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, online and off–to turn down the noise that disrupts the quiet of your heart and soul. The original post is located here: https://nosidebar.com/responsible-consumer/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Nick Maggiulli talks about how the wealthy invest Episode 2176: How Do the Wealthy Invest? by Nick Maggiulli The goal of Of Dollars And Data is to help you make better financial decisions using the best information available. Ultimately, Nick wants you to act smarter and live richer. As a result, this blog will cover ideas such as: -What to expect from financial markets -How to think about risk -How to time investment purchases -How to find good information and ignore bad information -How to organize and manage your finances -The best ways to increase your long-term wealth And much, much more. Though the ideas presented on this blog won’t revolutionize finance, they will provide you with a different perspective on money that you can use in your everyday life. Nick is sure of this because of the hundreds of hours of research that went into the more than 300 posts currently published on this blog. The original post is located here: https://ofdollarsanddata.com/how-do-the-wealthy-invest/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor with PT Money talks about why Roth IRAs are so great Episode 2175: What Makes a Roth IRA So Great? by Philip Taylor PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/ Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Pavlina talks about the value of generosity Episode 2174: You Earn Passive Income by Being More Generous 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 broad range of self-help topics, including productivity, relationships, and spirituality. Steve has been quoted as an expert by the New York Times, USA Today, U.S. News & World Report, the Los Angeles Daily News, Self Magazine, The Guardian, and countless other publications. He's also a frequent guest on popular podcasts and radio shows. The original post is located here: https://stevepavlina.com/blog/2012/05/you-earn-passive-income-by-being-more-generous/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrea Joy of Saving Joyfully tells you what to consider when choosing health insurance Episode 2173: Health Insurance - Things to Consider When Choosing Your Coverage by Andrea Joy 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://savingjoyfully.com/blog/health-insurance-things-to-consider-when-choosing-your-coverage  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Julien Saunders of Rich and Regular talks about how he and his wife give back Episode 2172: When, Why and How We Give 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 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/when-why-and-how-we-give/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Chou of My Wife Quit Her Job shares millionaire success habits and how one simple change can lead to business success. Episode 2171: Millionaire Success Habits & How One Simple Change Can Lead To Business Success by Steve Chou Steve Chou of My Wife Quit Her Job carries both a bachelors and a masters degree in electrical engineering from Stanford University, but spent a good portion of his graduate education studying entrepreneurship and small business. When he and his wife had a child, they launched an online store to supplement their income, and quickly replaced Steve's wife's income stream through the new business. Steve blogs about it all at MyWifeQuitHerJob.com The original post is located here: https://mywifequitherjob.com/your-habits-and-how-one-small-change-can-lead-to-long-term-success/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Paula Pant of Afford Anything shares how to handle feeling overworked and overwhelmed. Episode 2170: How to Handle Feeling Overworked & Overwhelmed by Paula Pant Paula Pant is the founder of the award-winning website AffordAnything.com and a writer and speaker specializing in money, business, and real estate investing. She is a real estate investor, as the owner of seven rental property units in metropolitan Atlanta. She holds a real estate license in Georgia. She's also the host of the Afford Anything podcast. The original post is located here: https://affordanything.com/how-to-handle-feeling-overworked-overwhelmed/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sean Mullaney of FI Tax Guy talks about transferring a primary residence to children. This is part 2 of 2. Episode 2169: [Part 2] Transferring a Primary Residence to Children 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, Inc. after a lengthy career in public accounting. He worked in the tax departments of both Deloitte & Touche and PwC, including over 6 years in PwC’s Washington National Tax Services practice. Sean is a Certified Public Accountant licensed in California and Virginia. He is a member of the American Institute of Certified Public Accountants and an associate member of the National Association of Personal Financial Advisors. Sean has degrees in accounting, law, and taxation and a certificate in financial planning.  The original post is located here: https://fitaxguy.com/transferring-a-primary-residence-to-children/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sean Mullaney of FI Tax Guy talks about transferring a primary residence to children. This is part 1 of 2. Episode 2168: [Part 1] Transferring a Primary Residence to Children 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, Inc. after a lengthy career in public accounting. He worked in the tax departments of both Deloitte & Touche and PwC, including over 6 years in PwC’s Washington National Tax Services practice. Sean is a Certified Public Accountant licensed in California and Virginia. He is a member of the American Institute of Certified Public Accountants and an associate member of the National Association of Personal Financial Advisors. Sean has degrees in accounting, law, and taxation and a certificate in financial planning.  The original post is located here: https://fitaxguy.com/transferring-a-primary-residence-to-children/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Honey Smith with Get Rich Slowly talks about whether or not cash should be part of your emergency fund Episode 2167: Should Cash Be Part of Your Emergency Fund? By Honey Smith 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/should-cash-be-part-of-your-emergency-fund/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ryan Larson of First Line Fin helps you talk about money with your partner Episode 2166: How to Have the "Money Talk" With Your Partner 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 the working years to the retirement years. Focused on the unique needs of retirees and transitioning Boomers, Ryan employs a host of time-tested strategies utilizing both securities and insurance offerings. Ryan’s personal mission is to protect one’s life savings from unnecessary risks from market fluctuations and avoid fees and when ever possible, create tax efficiencies. The original post is located here: https://firstlinefin.com/how-to-have-the-money-talk-with-your-partner/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

ESI of ESI Money talks about how to pass wealth to your kids Episode 2165: How to Pass Wealth to Your Kids 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, 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/pass-wealth-kids/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kathleen Coxwell of NewRetirement shares what you can learn from millennials for a better financial future Episode 2164: What You Can Learn From Millennials For a Better Financial Future by Kathleen Coxwell NewRetirement is a company that offers a comprehensive financial planning engine delivered via white label or API. NewRetirement delivers a combination of automated financial planning technology and educational services focused on bringing financial wellness to the mass market in customizable ways. They want to help anyone get confident and achieve financial independence so they can make the most of their money and time. The original post is located here: https://www.newretirement.com/retirement/learn-from-millennials-for-better-retirement-2/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Emma Scheib of Simple Slow Lovely shares why family life doesn't have to be so busy. Episode 2163: Family Life Doesn’t Need To Be So Busy - Here’s How I Slow It Down by Emma Scheib Emma is a self-confessed introvert who craves the simple and slow things in life. She loves to run, read, and write. She is blessed to be wife to a wonderful husband, mum to two amazing and vivacious daughters, 1 dog, a cat, and 5 chickens. They live in Motueka, New Zealand, a stone’s throw from the beautiful Abel Tasman National Park. Emma has been on a journey towards a slower simpler and more intentional way of living since her second daughter was born a few years ago. She has learned lots along the way and loves passing on these lessons. The original post is located here: http://simpleslowlovely.com/family-life-doesnt-need-to-be-so-busy-heres-how-i-slow-it-down/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam of Financial Samurai on controlling the urge to splurge. Episode 2162: Controlling The Urge To Splurge by Sam of Financial Samurai 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/controlling-the-urge-to-splurge/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Christina Browning of Our Rich Journey talks about the downfalls of YOLO and FIRE Episode 2161: YOLO And The FIRE Movement: Why It Doesn’t Work (Yet) by Christina Browning Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you’re interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/post/yolo-and-the-fire-movement-why-it-doesnt-work-yet  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeff Rose shares lessons he learned from failing at real estate investing Episode 2160: 7 Lessons I Learned From Failing at Real Estate Investing by Jeff Rose 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 featured in Forbes, Business Insider, Inc.com and Entrepreneur. The original post is located here: https://www.goodfinancialcents.com/7-lessons-i-learned-from-failing-at-real-estate-investing/  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Carl Pullein talks about how financial habits and situations can affect productivity Episode 2159: How Financial Habits and Situations Can Affect Productivity by Luke Smith Carl has written three books on productivity and time management and coaches companies and individuals around the world through his Time and Life Mastery and Your Digital Life courses.  His passion and dedication to helping people become better at managing their time so they can focus on what is important to them is legendary and his presentations and workshops are highly interactive, entertaining and educational. The original post can be found here: https://www.carlpullein.com/blog/how-financial-habits-and-situations-can-affect-productivity/21/10/2020  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Michelle Schroeder-Gardner of Making Sense of Cents talks about whether or not you need a budget Episode 2158: Do You Need A Budget? By Michelle Schroeder-Gardner 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/2015/04/reasons-for-budgeting-preparing-a-budget.html  Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Amy Blacklock and Vicki Cook of Women Who Money talk about what happens if you die without creating a will Episode 2157: What Happens if I Die Without Creating a Will by Vicki Cook and Amy Blacklock The co-founders of Women Who Money are Amy Blacklock from Life Zemplified and Vicki Cook, from Make Smarter Decisions. Vicki and Amy connected initially online and eventually met in person at a financial conference in the fall of 2017. They’ve both reached financial independence and left full-time work to devote more time to family, pursue passion projects, and embrace fun and challenging opportunities. They enjoy collaborating on original content and sharing great articles written by and for women. The original post is located here: https://womenwhomoney.com/die-without-creating-will/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Robert Farrington of The College Investor helps you build the perfect portfolio allocation Episode 2156: Building The Perfect Portfolio Allocation - 5 Models to Follow by Robert Farrington 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/10973/building-perfect-portfolio-allocation-5-models-follow/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Ross Enamait of Ross Training shares his thoughts on listening and learning from successful athletes.  Episode 2155: Listen and Learn From Successful Athletes by Ross Enamait of Ross Training Founded by Ross Enamait, RossTraining.com is dedicated to excellence and innovations in high performance conditioning, strength, and athletic development. His goal with the site is to provide a content-rich resource to assist with your development. As a long time trainer and boxing coach, Ross has dedicated his life to the development and improvement of athletes. He has been in business for over 15 years and has helped numerous athletes succeed at the world class level. It is his career and obsession. The original post is located here: http://rosstraining.com/blog/2015/07/20/listen-and-learn-from-successful-athletes/  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Jacob Lund Fisker of Early Retirement Extreme shares extreme early retirement vs. friends and relatives. Episode 2154: Extreme Early Retirement vs. Friends and Relatives 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 is effectively a philosophy of life. ERE is a set of values and principles that gives readers the freedom and opportunity to live an exciting and interesting life. The original post is located here: http://earlyretirementextreme.com/extreme-early-retirement-vs-friends-and-relatives.html  Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick of Can I Retire Yet shares how to deal with uncertainty in retirement calculations. This is part 2 of 2. Episode 2153: [Part 2] Dealing with Uncertainty in Retirement Calculations by Darrow Kirkpatrick 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/dealing-with-uncertainty-in-retirement-calculations/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Darrow Kirkpatrick of Can I Retire Yet shares how to deal with uncertainty in retirement calculations. This is part 1 of 2. Episode 2152: [Part 1] Dealing with Uncertainty in Retirement Calculations by Darrow Kirkpatrick 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/dealing-with-uncertainty-in-retirement-calculations/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Spann with Financial Finesse shares reasons to stay away from a Roth IRA Episode 2151: Reasons to Stay Away From a Roth IRA by Scott Spann 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/2013/07/01/reasons-to-stay-away-from-a-roth/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices