Optimal Finance Daily - Financial Independence And Money Advice podcast

26:18

How do you know when it’s time to make your next big career move? With International Women’s Day around the corner, we are excited to feature Avni Patel Thompson, Founder and CEO of Milo. Avni is building technology that directly supports the often overlooked emotional and logistical labor that falls on parents—especially women. Milo is an AI assistant designed to help families manage that invisible load more efficiently. In this episode, Avni shares her journey from studying chemistry to holding leadership roles at global brands like Adidas and Starbucks, to launching her own ventures. She discusses how she approaches career transitions, the importance of unpleasant experiences, and why she’s focused on making everyday life easier for parents. [01:26] Avni's University Days and Early Career [04:36] Non-Linear Career Paths [05:16] Pursuing Steep Learning Curves [11:51] Entrepreneurship and Safety Nets [15:22] Lived Experiences and Milo [19:55] Avni’s In Her Ellement Moment [20:03] Reflections Links: Avni Patel Thompson on LinkedIn Suchi Srinivasan on LinkedIn Kamila Rakhimova on LinkedIn Ipsos report on the future of parenting About In Her Ellement: In Her Ellement highlights the women and allies leading the charge in digital, business, and technology innovation. Through engaging conversations, the podcast explores their journeys—celebrating successes and acknowledging the balance between work and family. Most importantly, it asks: when was the moment you realized you hadn’t just arrived—you were truly in your element? About The Hosts: Suchi Srinivasan is an expert in AI and digital transformation. Originally from India, her career includes roles at trailblazing organizations like Bell Labs and Microsoft. In 2011, she co-founded the Cleanweb Hackathon, a global initiative driving IT-powered climate solutions with over 10,000 members across 25+ countries. She also advises Women in Cloud, aiming to create $1B in economic opportunities for women entrepreneurs by 2030. Kamila Rakhimova is a fintech leader whose journey took her from Tajikistan to the U.S., where she built a career on her own terms. Leveraging her English proficiency and international relations expertise, she discovered the power of microfinance and moved to the U.S., eventually leading Amazon's Alexa Fund to support underrepresented founders. Subscribe to In Her Ellement on your podcast app of choice to hear meaningful conversations with women in digital, business, and technology.…

Optimal Finance Daily - Financial Independence and Money Advice

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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...

3089 епізодів

Optimal Finance Daily - Financial Independence and Money Advice

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updated 21 година тому

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3089 епізодів

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3087: [Part 2] Earn Like A Boss Spend Like An Intern by Chris of Keep Thrifty on Money Goals 10:04

21 hours тому10:04

10:04

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 3087: Chris from KeepThrifty shares how living like a student during a well-paying internship taught him a powerful lesson: spending should be driven by values, not income. By focusing on tracking expenses, prioritizing long-term goals over short-term indulgences, and finding joy in low-cost experiences, he shows how financial freedom becomes more achievable - no matter how much you earn. Read along with the original article(s) here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/ Quotes to ponder: "Your spending can (and should) be independent of your income." "It’s not deprivation if you’re prioritizing something better." "That which gets measured gets managed." Episode references: The More of Less: https://www.amazon.com/More-Less-Minimalist-Living-Discover/dp/1601427964 Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3086: [Part 1] Earn Like A Boss Spend Like An Intern by Chris of Keep Thrifty on Financial Freedom 9:33

2 дні тому9:33

9:33

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 3086: Chris of KeepThrifty shares practical, tested strategies for growing your income faster than inflation averaging 8% annually over 15 years by becoming a high-value team member. Learn how to lead with purpose, invest in your own development, support your team, and tackle the tough jobs no one else wants, all of which set you up for financial freedom. Read along with the original article(s) here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/ Quotes to ponder: "Decisions are easier, priorities are clearer, and everyone just seems to work together better." "You need to keep learning and growing." "Improving your team helps your company a lot and you even more." Episode references: Crucial Conversations: https://www.amazon.com/Crucial-Conversations-Talking-Stakes-Second/dp/0071771328 The Obstacle Is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358 Start with Why: https://www.amazon.com/Start-Why-Leaders-Inspire-Everyone/dp/1591846447 Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3085: Emotions of Financial Independence by The Mad Fientist on Mental Health and Early Retirement 11:27

3 дні тому11:27

11:27

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 3085: The Mad Fientist explores the unexpected emotional terrain of nearing financial independence, revealing how fear, procrastination, and questions of purpose often surface just as the goal comes within reach. With honesty and introspection, he shares how early action, not early retirement alone, may be the key to building a more meaningful and enjoyable life. Read along with the original article(s) here: https://www.madfientist.com/emotions-of-fi/ Quotes to ponder: "I’ve spent so many years building up my balances so the idea of actually taking money out is a bit frightening." "Has my procrastination been a way of keeping my dreams alive even though, deep down, I realize they are probably not attainable?" "Financial independence isn’t the solution to every problem but it does provide the freedom and flexibility to make changes that improve your life." Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3084: The Thought Process of a Frugal Mind by Chelsea of Smart Money Mamas 11:55

4 дні тому11:55

11:55

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 3084: Chelsea of SmartMoneyMamas.com breaks down the intentional decision-making process behind frugal living, showing how thoughtful spending can lead to greater happiness, reduced stress, and financial freedom. Rather than focusing on deprivation, her five-step method encourages creativity, community, and mindful consumption in a world driven by impulse buying. Read along with the original article(s) here: https://smartmoneymamas.com/thought-process-frugal-mind/ Quotes to ponder: "Being frugal is about optimizing the balance between cost and happiness." "Your time does have value and the materials to make those things could end up costing more anyway." "When you buy something using the frugal thought process, be confident that you are spending money on something that matters." Episode references: Craigslist: https://craigslist.org Buy Nothing Project: https://buynothingproject.org Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3083: Why We Paid Off Our Mortgage by Julien Saunders of Rich And Regular 11:05

5 днів тому11:05

11:05

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 3083: Julien Saunders shares how he and his wife strategically paid off their mortgage to unlock financial freedom, reduce stress, and gain control over their time. Their journey, driven by teamwork and discipline, reveals how owning a home outright can be a powerful step toward financial independence, especially for those underrepresented in that achievement. Read along with the original article(s) here: https://richandregular.com/why-we-paid-off-our-mortgage/ Quotes to ponder: "We didn’t just payoff a mortgage; we bought time." "The primary reason we decided to payoff the mortgage was to create a level of freedom and flexibility that no job could ever provide." "We swung it about 30+ times over a 2 1/2 year period putting every single dollar to work." Episode references: Afford Anything: https://affordanything.com Go Curry Cracker: https://www.gocurrycracker.com Millennial Revolution: https://www.millennial-revolution.com Dave Ramsey: https://www.ramseysolutions.com Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3082: How to Win a Negotiation Without Destroying Relationships by Seth Sinclair 11:26

5 днів тому11:26

11:26

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 3082: Seth Sinclair shares a powerful framework for negotiating with clarity, confidence, and empathy, helping you reach mutually beneficial outcomes without damaging trust or relationships. By focusing on curiosity, active listening, and honest communication, you'll walk away from difficult conversations feeling respected, and more likely to get what you want. Read along with the original article(s) here: https://michaelmehlberg.com/blog/2016/10/17/how-to-win-a-negotiation-without-destroying-relationships Quotes to ponder: "Curiosity diffuses conflict, lowers defenses, and opens the door to understanding." "Always seek to understand what the other person wants and why they want it." "Compromise isn’t weakness, it’s the recognition that both sides have value." Episode references: Crucial Conversations: https://www.amazon.com/Crucial-Conversations-Talking-Stakes-Second/dp/1469266822 Never Split the Difference: https://www.amazon.com/Never-Split-Difference-Negotiating-Depended/dp/0062407805 Getting to Yes: https://www.amazon.com/Getting-Yes-Negotiating-Agreement-Without/dp/0143118757 Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3081: 10 Ways You Can Have Enough Money and Stuff by Courtney Carver of Be More With Less 11:37

6 днів тому11:37

11:37

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 3081: Courtney Carver invites readers to rethink their relationship with money and possessions by focusing on clarity, intention, and contentment. By embracing simplicity, self-awareness, and gratitude, she shares ten mindset shifts that help cultivate a deeper sense of “enough” regardless of financial status. Read along with the original article(s) here: https://bemorewithless.com/10-ways-you-can-have-enough-money-and-stuff/ Quotes to ponder: "Deciding you have enough is what helps you actually feel like you have enough." "Decluttering can be a beautiful bridge to a life with less stuff and more meaning." "When you focus on what really matters to you, you naturally spend less on the things that don’t." Episode references: Becoming Minimalist: https://www.becomingminimalist.com/ Tiny House Talk: https://tinyhousetalk.com/ Zen Habits: https://zenhabits.net/ The Minimalists: https://www.theminimalists.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3080: The Three Methods of Finance - When Enough is Enough by Jacob Lund Fisker of Early Retirement Extreme 11:07

7 днів тому11:07

11:07

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 3080: Saving, borrowing, or investing, Jacob Lund Fisker breaks down the three fundamental approaches to financing your life. By understanding the power of living off interest rather than paying it, you can accelerate financial independence and avoid the "one more year syndrome" that keeps many from retiring even when they’ve reached their goal. Find out how to determine your financial "enough" and pull the trigger on true freedom. Read along with the original article(s) here: http://earlyretirementextreme.com/the-three-methods-of-finance-and-when-enough-is-enough.html Quotes to ponder: "You can pay as you go. You save money and then you spend it. If you don’t have the money, you can’t afford it and if you can’t afford it, you don’t buy it." "Financial independence means not having to finance like the people in class 2 and it usually also implies not having to earn money by working, but let’s not get hung up on words." "There are a lot of stories about people who wanted to squeeze in just one extra bit of work to meet some retirement target. Then when they reach it, they think to themselves, well, if I worked just a little longer, I could buy this and this and that." Episode references: CharityVest: https://charityvest.org EconoMe Conference: https://economeconference.com Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3079: Why We Sold Our Fancy Car (the Acura NSX) by Mr. 1500 of 1500 Days on Financial Flexibility 11:30

8 днів тому11:30

11:30

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 3079: Mr. 1500 reflects on the surprising reality of fulfilling a lifelong dream, owning an Acura NSX, only to realize that the joy of possession fades faster than expected. The mental burden of maintaining an expensive car, combined with a shift toward financial flexibility and simplicity, led to the decision to sell. Letting go brought more peace than regret, reinforcing the idea that true happiness isn’t found in material things. Read along with the original article(s) here: https://www.1500days.com/why-we-sold-our-fancy-car-the-acura-nsx/ Quotes to ponder: "The pursuit is often more fun than the ownership of it." "In the end, the most important reason is that it just didn’t bring us happiness anymore." "There is beauty in simplicity. An internal combustion engine is a Rube Goldberg machine compared to an electric motor." Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3078: Luxury or Essential By Darrow Kirkpatrick of Can I Retire Yet on Financial Independence 13:04

9 днів тому13:04

13:04

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 3078: Most of us aiming for financial independence don’t live in luxury, but what truly counts as a luxury? Darrow Kirkpatrick challenges the idea that luxuries are inherently bad, arguing instead that they should be evaluated based on their function, personal value, and overall cost. By asking whether an expense is optional, meaningful, and affordable, we can make smarter financial choices, prioritizing what genuinely enriches our lives without falling into the trap of unnecessary spending. Read along with the original article(s) here: https://www.caniretireyet.com/luxury-or-essential/ Quotes to ponder: "A luxury is 'something inessential, but conducive to pleasure and comfort.'" "The problem is when you develop habits to the point that expensive luxuries become necessities, or you want them in all areas of your life." "When you spend money, you choose consumption today over the lifetime of interest income you’d achieve from investing it instead." Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3077: How Can I Get an 8% Investment Return by ESI of ESIMoney on Long-Term Investing Advice 11:13

10 днів тому11:13

11:13

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 3077: Investing for an 8% return is a long-term game, not a short-term guarantee. ESI of ESIMoney.com explains why this rate is a reasonable expectation for stock index fund investors over a decade or more, despite market fluctuations. He also shares his personal experience earning 10% or more through real estate and how staying consistent with low-cost index funds gives the best chance at solid returns. Read along with the original article(s) here: https://esimoney.com/can-get-8-investment-return/ Quotes to ponder: "There’s a big difference between making 8% on your money ‘at a time like this’ and making 8% on your money over a 10-15 year period." "You can give yourself the best opportunity to maximize investment returns by putting your money in low-cost index funds." "No one knows! Investing is inherently risky, so you do it hoping for a good return but knowing you might lose everything." Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3076: Would You Go This Far To Pay Off Your Debt by Cynthia Meyer with Financial Finesse on Frugal Living 10:15

11 днів тому10:15

10:15

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 3076: Cutting back on small luxuries can help, but real financial freedom often requires big, bold changes. Cynthia Meyer shares how she tackled overwhelming debt by downsizing her living space, rethinking entertainment expenses, and even giving up her car, saving over $1,200 per month in the process. Her story proves that by making intentional sacrifices, you can accelerate debt repayment and reclaim your financial future. Read along with the original article(s) here: https://www.financialfinesse.com/2017/07/03/would-you-go-this-far-to-pay-off-your-debt/ Quotes to ponder: "That’s when I decided that only making drastic changes would get the outsized results I was seeking." "Consider making some big changes to climb that debt mountain faster. Trust me, you’ll feel great when you get to the top and look around at how far you’ve come." "There is a secret financial power in home cooking!" Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3075: One Terrible Piece of Financial Advice You Should Never Ever Listen To by Paula Pant of Afford Anything 11:47

12 днів тому11:47

11:47

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 3075: Conventional financial wisdom doesn’t always apply universally. The article challenges common money advice by exploring real-life examples where “bad” financial decisions - like keeping a mortgage instead of paying it off early - led to positive outcomes. By highlighting the importance of context, adaptability, and personal financial goals, it encourages readers to think critically rather than blindly following mainstream advice. Read along with the original article(s) here: https://affordanything.com/2013/05/21/bad-financial-advice-but-it-worked-for-me Quotes to ponder: "This is why I distrust financial guidelines that assume one-size-fits-all." "Just because it worked for one person doesn’t mean it will work for everyone." "People have different risk tolerances, personalities, and opportunities." Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3074: Are Fitness Trackers and Sleep Tracking Devices Accurate and Worth the Cost 10:18

12 днів тому10:18

10:18

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 3074: Fitness trackers can be a great short-term motivator for increasing daily movement, but their accuracy varies depending on the activity. While they reliably estimate step count and heart rate, they tend to miscalculate calories burned, sleep duration, and travel distances. To maintain motivation beyond the initial excitement, incorporating challenges, friendly competitions, or group tracking can help sustain engagement. Quotes to ponder: "Most fitness trackers are pretty good about estimating the number of steps you take each day, but when it comes to estimating the number of calories burned, they tend to underestimate." "It turns out that fitness trackers do keep folks motivated but in the short term." "If purchasing a fitness tracker helps someone go from exercising sporadically to becoming more committed and consistent, even in the short term, then by all means, it’s worth it." Learn more about your ad choices. Visit megaphone.fm/adchoices…

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3073: The Six Key Steps to Healthy Finances in Your Relationship by Leo Babauta of Zen Habits 12:44

13 днів тому12:44