Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily
Optimal Living Daily
  • 4.5 (1.2K)
  • Investing
  • Updated Daily

Optimal Finance Daily is a leading narrated podcast for the FIRE movement (Financial Independence, Retire Early). We curate and read the internet's most influential blogs on stock market investing, passive income, debt repayment, and 401k strategies, transforming complex wisdom into actionable daily episodes. Hosted by Justin Malik (founder of the Optimal Living Daily podcast network), this show is designed for growth-minded professionals seeking wealth management tips and money mindfulness. From budgeting and frugal living to index fund investing and tax strategies, Justin provides the tools to secure your financial freedom. Join thousands of listeners becoming "OLD friends" as we navigate retirement planning, savvy money management, and the path to a debt-free life. Your journey to an optimal life begins here.

OPTIMAL LIVING DAILY+

Go Ad-Free: Be an OLD Friend, Listen Uninterrupted

$1.99/mo or $9.99/yr after trial

  1. 33m ago

    Do You Regret Being Frugal? Ten Lessons on Finding Balance by Robyn of A Dime Saved on Intentional Spending

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3750: Robyn explains how a lifetime of frugality can leave some retirees regretting what they never let themselves enjoy. She shares ten lessons on finding balance, from being frugal about the right things and saving on material goods rather than experiences to spending more on what you love while you still have the health and energy to enjoy it. Read along with the original article(s) here: https://adimesaved.com/do-you-regret-being-frugal-ten-lessons-on-finding-balance Quotes to ponder: "Being frugal doesn't mean denying yourself everything." "Don't let life pass you by in the name of frugality." "It's being frugal on the right things so you can still enjoy life." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Do You Regret Being Frugal? Ten Lessons on Finding Balance by Robyn of A Dime Saved on Intentional Spending

  2. 43m ago ·  Bonus

    You Might Also Like: The Oprah Podcast

    Introducing The Gold Standard for Hosting Any Event with Brilliant Style Guru Colin Cowie from The Oprah Podcast. Follow the show: The Oprah Podcast BUY THE BOOK! The Gold Standard by Colin Cowie https://amzn.to/4hSLdEd Event planner extraordinaire Colin Cowie is here to discuss his book "The Gold Standard: Giving Customers What They Didn’t Know They Wanted." Oprah and Colin have a fun going down memory lane to discuss the countless parties they’ve thrown together including one of their all-time favorites, Oprah Winfrey’s Legends Ball. They look back on the year-long planning of the historic event that honored the lives of the Black women who paved the way for Oprah’s life and millions of others. They also reminisce about what it was like throwing parties for Oprah’s friends like Sidney Poitier, Quincy Jones and Gayle King. Gayle joins the conversation to talk about her 50th and 70th birthday parties planned by Colin Cowie. Oprah and Colin Cowie both believe when having any type of celebration “love is in the details” which is why his book The Gold Standard is perfect for anyone looking for advice or tips on hosting a party your guests will never forget. 00:00:00 - Welcome Colin Cowie, author of “The Gold Standard” 00:03:15 - Love is in the details 00:04:50 - How do you want people to feel 00:07:30 - The most extravagant thing Oprah has ever done 00:12:20 - Oprah’s never thrown a party for herself 00:13:28 - Gayle King joins 00:14:30 - Post party depression 00:17:20 - Planning the Legend’s who paved the way party 00:19:50 - Gayle’s surprise 70th 00:24:40 - Advice for hosting your own event 00:29:45 - What Oprah’s learned from Colin 00:31:00 - What a well-lived life looks like Follow Oprah Winfrey on Social: https://www.instagram.com/oprahpodcast/ https://www.facebook.com/oprahpodcast/ https://www.instagram.com/oprah/?hl=en https://www.facebook.com/oprahwinfrey/ DISCLAIMER: Please note, this is an independent podcast episode not affiliated with, endorsed by, or produced in conjunction with the host podcast feed or any of its media entities. The views and opinions expressed in this episode are solely those of the creators and guests. For any concerns, please reach out to team@podroll.fm.

    You Might Also Like: The Oprah Podcast

  3. 1d ago

    Should You Budget Your Money Using Percentages? by Kumiko of The Budget Mom on Zero-Based Budgeting

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3749: Kumiko explains the appeal of percentage-based budgeting rules like 50/30/20, including their simplicity, then lays out where they break down, especially on lower incomes and when lifestyle inflation creeps in. She makes the case for zero-based budgeting instead, giving every dollar a job so your budget reflects your own priorities and money management goals. Read along with the original article(s) here: https://www.thebudgetmom.com/should-you-budget-your-money-using-percentages/ Quotes to ponder: "To me, it never makes sense to spend more just because you make more." "There is a point where frugality no longer helps." "The bottom line, if your budget is not forcing you to be more intentional with your money, it's not working." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Should You Budget Your Money Using Percentages? by Kumiko of The Budget Mom on Zero-Based Budgeting

  4. 2d ago

    Alternative Investments for Savvy Retirees by Darrow Kirkpatrick of Can I Retire Yet on Asset Allocation

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3748: Darrow Kirkpatrick explains why some retirees may want to diversify part of their wealth away from the U.S. dollar and paper assets, while cautioning that new investors and anyone who needs simplicity should stick with plain index funds. He walks through three of the more conventional alternative investments, international stocks, rental real estate and a small business, laying out the trade-offs of each for a retirement portfolio. Read along with the original article(s) here: https://www.caniretireyet.com/alternative-investments-savvy-retirees-part-1/ Quotes to ponder: "If you are a new investor, or an older one who needs to keep your finances ultra-simple, then you should not be looking for alternative investments." "Just remember that diversification is about safety more than performance." "A good business is an inflation-adjusted cash-generating machine." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Alternative Investments for Savvy Retirees by Darrow Kirkpatrick of Can I Retire Yet on Asset Allocation

  5. 3d ago

    Yes, You Need A Credit Report AND A Credit Score To Rent An Apartment! by Sam of Financial Samurai on Building Good Credit

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3747: Sam of Financial Samurai shares how he screened 20 rental applications in a hot San Francisco market, and why the credit score was the first thing he looked at. He explains why applicants who submitted a credit report without a score landed at the bottom of the pile, and makes the case that paying your bills and building good credit is part of smart money management that pays off when you apply to rent. Read along with the original article(s) here: https://www.financialsamurai.com/landlords-need-a-credit-report-score-for-apartment/ Quotes to ponder: "Don't provide a credit report without a credit score." "The credit score is the first thing landlords look at in a tight rental market." "If you want the apartment bad enough as a tenant, you're going to do everything possible to prove you are a credit worthy person." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Yes, You Need A Credit Report AND A Credit Score To Rent An Apartment! by Sam of Financial Samurai on Building Good Credit

  6. 3d ago

    How to Scale Down Exercise Instead of Skipping It When You Feel Low by Rachel Trotta on Workout Consistency

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3746: Rachel Trotta explains that real consistency is not about muscling through tough workouts on willpower, but about showing up for yourself even when you feel run down. She shares five ways to scale down exercise during stressful or low-energy periods, from longer rest between sets and walking to heavier weights for fewer reps and shorter home workouts, so you keep your momentum without losing ground. Read along with the original article(s) here: https://racheltrotta.com/fitness/scale-down-exercise/ Quotes to ponder: "Instead, the core of consistency is getting into the habit of showing up for yourself." "Consistency isn't about buckling down, or muscling through obstacles with sheer willpower." "By lowering the barrier to exercise, you make it more likely that you will do it and enjoy it." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    How to Scale Down Exercise Instead of Skipping It When You Feel Low by Rachel Trotta on Workout Consistency

  7. 4d ago

    Use These Psychological Tricks to Spend Money Wisely by Emily Guy Birken with PT Money on Avoiding Buyer's Remorse

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3745: Emily Guy Birken explains why buyer's remorse happens and shares three psychologically sound habits for spending money wisely: settling for good enough instead of endlessly comparing features, choosing many small pleasures over one big splurge, and saving up for purchases instead of buying on impulse. She shows how these money habits cost less and leave you happier with what you buy. Read along with the original article(s) here: https://ptmoney.com/psychological-tricks-to-avoid-buyers-remorse/ Quotes to ponder: "Becoming a satisficer will help you to feel much better about your purchases." "What all this means is that you will get more pleasure out of small purchases and treats for yourself than you will by making big, special purchases." "And saving up money for purchases provides you with more pleasure than spending money you don't have." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Use These Psychological Tricks to Spend Money Wisely by Emily Guy Birken with PT Money on Avoiding Buyer's Remorse

  8. 5d ago

    Why I Invest with Index Funds by ESI of ESI Money on Passive Investing

    Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3744: ESI explains why index funds have been his primary investing vehicle for about 15 years: low costs mean higher net returns than most actively managed funds, they take almost no time to manage, and they make diversification easy. He also argues that very few investors can beat the index over time, and that how much you save and invest matters far more to building wealth than chasing a higher return. Read along with the original article(s) here: https://esimoney.com/why-i-invest-with-index-funds/ Quotes to ponder: "But what really turns the tide for index funds is that investors don't keep the gross returns of their investments, they keep the net returns." "So if they can't with all their time and resources, what makes you think you can?" "Sure, it's important enough, but when it comes down to it, time and the amount invested are MUCH more important to growing your wealth over time than return rate." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Why I Invest with Index Funds by ESI of ESI Money on Passive Investing
See All (2K)

Shows with Subscription Benefits

OPTIMAL LIVING DAILY+

Go Ad-Free: Be an OLD Friend, Listen Uninterrupted

$1.99/mo or $9.99/yr after trial

View Subscription FAQs

Hosts & Guests

4.5
out of 5
1,235 Ratings

About

Optimal Finance Daily is a leading narrated podcast for the FIRE movement (Financial Independence, Retire Early). We curate and read the internet's most influential blogs on stock market investing, passive income, debt repayment, and 401k strategies, transforming complex wisdom into actionable daily episodes. Hosted by Justin Malik (founder of the Optimal Living Daily podcast network), this show is designed for growth-minded professionals seeking wealth management tips and money mindfulness. From budgeting and frugal living to index fund investing and tax strategies, Justin provides the tools to secure your financial freedom. Join thousands of listeners becoming "OLD friends" as we navigate retirement planning, savvy money management, and the path to a debt-free life. Your journey to an optimal life begins here.

Information

More From Optimal Living Daily

You Might Also Like