PodcastsBusinessOptimal Finance Daily - Financial Independence and Money Advice

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily | Diania Merriam
Optimal Finance Daily - Financial Independence and Money Advice
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3432 episodes

  • Optimal Finance Daily - Financial Independence and Money Advice

    3430: Do This With Your Vacation Time From Your Job to Make More Money by Dustin Heiner of Master Passive Income

    2026/1/21 | 8 mins.
    Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

    Episode 3430:

    Dustin Heiner challenges conventional thinking about unused vacation hours, proposing a strategic way to spend rather than cash them out, allowing you to keep earning benefits, avoid high taxes, and extend your income even after you've stopped working. This mindset shift not only saves money but can ease the transition from employee to entrepreneur.

    Read along with the original article(s) here: https://masterpassiveincome.com/cash-out-vacation-time-accrual

    Quotes to ponder:

    "Wouldn’t it be nice to still be employed, get paid your normal salary, and earn more vacation time, all while you have already quit working?"

    "You accrue more vacation time when you spend it."

    “You can’t put a monetary value on your free time, because you’re paying for it in mental and physical health.”
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  • Optimal Finance Daily - Financial Independence and Money Advice

    3429: How to Transfer Your Brokerage Account by Jeff Rose of Good Financial Cents on Investment Relocation

    2026/1/20 | 8 mins.
    Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

    Episode 3429:

    Jeff Rose breaks down the surprisingly simple process of transferring your brokerage account, even if you're leaving a financial advisor. Learn how to avoid hidden fees, reduce delays, and make sure your investments move seamlessly using the ACAT system, all while sidestepping the frustration of awkward conversations with your current firm.

    Read along with the original article(s) here: https://www.goodfinancialcents.com/brokerage-account-transfer-fees/

    Quotes to ponder:

    "Many people don’t realize how easy it is to actually transfer your brokerage account elsewhere. It’s easier than switching banks."

    "Make sure you can see exactly how much you would pay if you had to pay anything at all."

    "Verify with your insurance company before liquidating any annuity contracts."

    Episode references:

    SEC Guide to Account Transfers: https://www.sec.gov/about/reports-publications/investorpubsacctxferhtm
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  • Optimal Finance Daily - Financial Independence and Money Advice

    3428: Accredited Investor: The Benefits of Being One by Amanda Kruse of Women Who Money on Advanced Investing

    2026/1/19 | 10 mins.
    Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

    Episode 3428:

    Amanda Kruse breaks down what it means to be an accredited investor, who qualifies, and why gaining this status can open doors to high-return investment opportunities like venture capital and real estate crowdfunding. While the benefits include diversification and access to exclusive deals, Kruse stresses the importance of due diligence and the risks that come without SEC protections.

    Read along with the original article(s) here: https://womenwhomoney.com/accredited-investor-benefits-of-being-one/

    Quotes to ponder:

    "You have access to a broader range of investment options not available to everyone, such as real estate crowdfunding and venture capital."

    "Some riskier investments available to accredited investors have the potential for higher returns."

    "If you’re newly accredited, start small and only invest in what you understand."

    Episode references:

    Worthy Bonds: https://worthybonds.com
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  • Optimal Finance Daily - Financial Independence and Money Advice

    3427: Budgeting Tips: 10 Ways to Lower Your Life's Fixed Costs by Joshua Becker of Becoming Minimalist

    2026/1/18 | 8 mins.
    Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

    Episode 3427:

    Joshua Becker offers a practical guide to reclaiming control over your finances by cutting down on fixed expenses, those monthly costs we often assume are immovable. From downsizing your home to canceling unused subscriptions and resisting the urge to upgrade your phone, each tip opens the door to greater financial freedom and intentional living.

    Read along with the original article(s) here: https://www.becomingminimalist.com/budgeting-tips/

    Quotes to ponder:

    "Living in a smaller home offers opportunity to cut these fixed costs."

    "Buy the most reliable car you can purchase with cash, and then begin saving for your next vehicle."

    "Stop paying money to keep stuff you don’t need."
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  • Optimal Finance Daily - Financial Independence and Money Advice

    3426: 3 Science-Backed Daily Habits for a Life of Happiness and Success by Michael Mehlberg on Positive Routines

    2026/1/18 | 9 mins.
    Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.

    Episode 3426:

    Michael Mehlberg explores how three simple, science-backed habits, getting enough quality sleep, exercising consistently at the right time, and planning your day with intention, can significantly boost productivity, reduce stress, and elevate your overall sense of well-being. Stacking these habits daily creates a powerful foundation for both happiness and long-term success.

    Read along with the original article(s) here: https://www.moderndavinci.net/blog/2019/5/28/if-a-happy-and-successful-life-is-all-about-developing-three-good-daily-habits-what-would-those-three-habits-be

    Quotes to ponder:

    "You don't think of sleep as a habit, but you should."

    "Exercise is a habit. It's something you feel either compelled to do or feel is an interruption."

    "Moments are the Lego’s of your day. They are the building blocks if happiness or despair; success or mediocrity."

    Episode references:

    The Power of Now: https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808
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About Optimal Finance Daily - Financial Independence and Money Advice

Optimal Finance Daily, hosted by Diania Merriam, the innovative mind behind the personal finance conference EconoMe, takes you on an enlightening journey through the world of personal finance. Each episode brings to life the most compelling and practical advice from leading financial bloggers and experts. Diania’s engaging narration and insightful commentary transform complex financial concepts into relatable, actionable insights. Whether it’s budgeting, investing, debt management, or money mindfulness, she covers it all, making financial wisdom accessible to everyone. Gain not just knowledge, but also the motivation to apply it in your daily life. It's not just a source of personal finance tips; it’s a daily companion that guides you towards financial independence and savvy money management, all delivered with Diania's trademark enthusiasm and expertise. By focusing on early retirement, financial independence, and saving money, each episode provides you with the tools needed to achieve your financial goals. This podcast is designed for those passionate about personal finance, early retirement, financial independence, and saving money. It’s your go-to source for practical advice on managing your finances, saving money, and working towards early retirement. Each episode offers actionable steps to foster financial independence and secure your financial future. Listen now, and become an OLD friend--your optimal life awaits...
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