OPTIMAL LIVING DAILY+

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

$1.99/mo or $19.99/yr after trial

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily
  • 4.5 (1.2K)
  • INVESTING
  • UPDATED DAILY

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...

  1. Buying Too Much Stuff is Driven By Uncertainty by Leo Babauta of Zen Habits on Mindful Consumption

    20H AGO

    Buying Too Much Stuff is Driven By Uncertainty by Leo Babauta of Zen Habits on Mindful Consumption

    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 3489: Leo Babauta explores how the urge to buy more possessions often comes from our discomfort with uncertainty rather than true necessity. He explains that shopping becomes a coping mechanism for anxiety, insecurity, and the desire for control. By learning to sit with uncertainty instead of trying to eliminate it with purchases, we can live more simply and peacefully. Read along with the original article(s) here: https://zenhabits.net/buying Quotes to ponder: “If you are invested in security and certainty, you are on the wrong planet.” “Most of our stuff, we buy because of one feeling: the feeling of uncertainty.” “Life is uncertain. Always. It’s the defining feature of life.” Episode references: Pema Chödrön: https://pemachodronfoundation.org Learn more about your ad choices. Visit megaphone.fm/adchoices

    9 min
  2. You Might Also Like: On Purpose with Jay Shetty

    20H AGO · BONUS

    You Might Also Like: On Purpose with Jay Shetty

    Introducing If You’re Going Through a Breakup, Listen To This from On Purpose with Jay Shetty. Follow the show: On Purpose with Jay Shetty If a breakup has ever left you feeling physically sick, emotionally lost, and not feeling like yourself, nothing is wrong with you. You’re grieving. Today, Jay speaks directly to anyone navigating the quiet devastation of heartbreak, reminding them that nothing is “wrong” with them for feeling the way they do. He explains that breakups don’t just hurt emotionally, they activate the same neural pathways as physical pain and withdrawal. What you’re experiencing isn’t weakness or failure; it’s grief. Jay reframes the end of a relationship not simply as losing a person, but as losing a future you imagined, the routines your nervous system depended on, and the version of yourself that existed within that relationship. Jay walks us through the five stages of breakup grief, showing how numbness is a form of protection, why the mind gets stuck in rumination after loss, and how anger can signal the return of self-respect. Rather than rushing to “move on,” he encourages simple practices like building small routines, writing down obsessive thoughts, setting boundaries, and resisting the highlight reel your mind creates that makes you only remember the good. The stages aren’t a straight line, but a map that helps you move through uncertainty with more grace and self-compassion. In this episode, you'll learn: How to Rebuild Your Routine After a Breakup How to Break the Cycle of Rumination How to Express Anger in a Healthy Way How to Set Boundaries That Protect Your Healing How to Move Through Sadness Without Rushing It How to Create Meaning After Loss Be gentle with yourself in this season. Lean on the people who show up for you. Rebuild your routines slowly. One day, this chapter will no longer be the center of your story, it will be the turning point that makes you wiser, stronger, and more secure in who you are. With Love and Gratitude, Jay Shetty Join over 750,000 people to receive my most transformative wisdom directly in your inbox every single week with my free newsletter. Subscribe here. What We Discuss: 00:00 Intro 02:19 Biggest Mistake Made During a Break Up 02:34 You’re Actually Experiencing Grief  07:40 Stage #1: Shock and Denial 10:12 2 Ways to Overcome the Shock 12:58 Stage #2: Bargaining and Obsession 17:45 Stage #3: Anger and Protest 21:49 Stage #4: Sadness and Depression 24:33 Stage #5: Acceptance and Meaning 26:24 This is How You Heal See omnystudio.com/listener for privacy information. 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.

  3. Life Insurance Beneficiary by Jeff Rose of Good Financial Cents on Financial Legacy

    1D AGO

    Life Insurance Beneficiary by Jeff Rose of Good Financial Cents on Financial Legacy

    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 3488: Jeff Rose explains why choosing a life insurance beneficiary requires careful wording and thoughtful planning to avoid legal complications and unintended payouts. By clearly defining beneficiaries, accounting for complex family situations, and ensuring adequate coverage for debts, income replacement, and funeral costs, Rose shows how proper planning can protect loved ones from financial stress. His guidance helps families avoid disputes while ensuring benefits reach the right people when they’re needed most. Read along with the original article(s) here: https://www.goodfinancialcents.com/beneficiary-review-designation-form-life-insurance-retirement-accounts/ Quotes to ponder: "The main goal of your life insurance plan is to give your family the money needed to pay off all your bills and debts." "When choosing a life insurance beneficiary, it is very important to be clear in the designations of who is going to receive the benefits after the death of the insured." "You always need to calculate your current debt situation first." Learn more about your ad choices. Visit megaphone.fm/adchoices

    10 min
  4. 4 Steps to Mastering the Cash Envelope System by Amanda Brownlow on Cash Flow Awareness

    2D AGO

    4 Steps to Mastering the Cash Envelope System by Amanda Brownlow on Cash Flow Awareness

    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 3487: Amanda Brownlow explains how switching from card swipes to physical money can transform the way you think about spending and help you stay in control of your budget. She shares practical habits, like organizing spending categories, reviewing finances regularly, and staying flexible, that helped her household dramatically reduce unnecessary expenses. Her approach shows how simple systems and awareness can turn everyday budgeting into a powerful tool for financial discipline. Read along with the original article(s) here: https://hellobrownlow.com/2018/02/20/4-steps-to-mastering-the-cash-envelope-system/ Quotes to ponder: "It makes you realize how much money you are spending when you have to fork over the dough yourself!" "Pulling cash out to pay for everyday things like groceries, eating out, shopping, and entertainment helped to decrease our spending because we could see the cash leaving our pockets and were more aware of the actual costs of our activities." "Having the ability to adapt your budget to what is happening in your life will save you time, money, and heartache." Learn more about your ad choices. Visit megaphone.fm/adchoices

    9 min
  5. How to Retire: 5 Steps to a Secure Future by Kathleen Coxwell of New Retirement on Confident Retirement Planning

    3D AGO

    How to Retire: 5 Steps to a Secure Future by Kathleen Coxwell of New Retirement on Confident Retirement Planning

    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 3486: Kathleen Coxwell explains that a secure retirement isn’t just about how much you’ve saved, it’s about building a flexible plan that evolves with your life. By defining your purpose, modeling different financial scenarios, and making strategic adjustments, you can turn uncertainty into a workable path forward. Her approach shows that even if you feel behind, there are practical ways to design a retirement that works for you. Read along with the original article(s) here: https://www.newretirement.com/retirement/how-to-retire-5-steps-to-a-secure-future-jump-in/ Quotes to ponder: "Maybe think about your retirement in five-year segments. Consider what you want to be doing and what will be important to you in each segment." "The cure for retirement block is the same as writer’s block. Just jot some things down." "Anyone can retire at any level of income and savings: it is just a matter of spending less and making do." Episode references: Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

    11 min
  6. The Secret to Staying Motivated When Getting Out of Debt by Jackie Beck on Debt-Free Commitment

    4D AGO

    The Secret to Staying Motivated When Getting Out of Debt by Jackie Beck on Debt-Free Commitment

    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 3485: Jackie Beck explains that what most people call motivation is actually short-lived inspiration, while real motivation is the deeper reason behind why you want change. By clearly defining how life will improve, less stress, better sleep, stronger relationships, you can stay committed even when excitement fades. Focusing on that deeper purpose helps you persist through setbacks and permanently change your financial habits. Read along with the original article(s) here: https://www.jackiebeck.com/the-secret-to-staying-motivated-when-getting-out-of-debt/ Quotes to ponder: “People often say that motivation doesn’t last. Well, neither does bathing, that’s why we recommend it daily.” “Real motivation does last, because your motivation is the reason behind why you’re doing something.” “You don’t have to feel excited and inspired all the time. You just have to keep moving forward and doing the work, while you keep your reason in sight.” Episode references: Zig Ziglar: https://www.ziglar.com Learn more about your ad choices. Visit megaphone.fm/adchoices

    9 min
  7. [Part 2] Lifestyle Inflation Is Okay - Just Let It Happen On Your Terms by Kevin of Financial Panther

    5D AGO

    [Part 2] Lifestyle Inflation Is Okay - Just Let It Happen On Your Terms by Kevin of Financial Panther

    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 3484: Kevin explains why delaying lifestyle inflation can be a powerful strategic move, especially when you’re young and free from external expectations. By reaching Coast FI early and building financial flexibility before life gets more complex, you create long-term confidence and options. At the same time, he reminds us that spending more over time isn’t failure, it’s a natural, intentional part of building a meaningful life. Read along with the original article(s) here: https://financialpanther.com/lifestyle-inflation-is-okay-just-let-it-happen-on-your-terms/ Quotes to ponder: "Lifestyle inflation becomes a problem when you spend far more than you make and don’t save anything." "The point of money isn’t to save all of it. In an optimal world, we’d save exactly what we need and spend the rest." "Life can be good even if you’re spending money and have to work to support yourself." Learn more about your ad choices. Visit megaphone.fm/adchoices

    9 min
  8. [Part 1] Lifestyle Inflation Is Okay - Just Let It Happen On Your Terms by Kevin of Financial Panther

    6D AGO

    [Part 1] Lifestyle Inflation Is Okay - Just Let It Happen On Your Terms by Kevin of Financial Panther

    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 3483: Kevin challenges the idea that lifestyle inflation is a personal failure, sharing how he and his wife lived far below their means for nearly a decade before consciously choosing to upgrade their lifestyle. He explains why increasing spending isn’t inherently wrong, so long as it happens intentionally and on your terms. This perspective will help you rethink your relationship with money, discipline, and what financial independence really means for your life. Read along with the original article(s) here: https://financialpanther.com/lifestyle-inflation-is-okay-just-let-it-happen-on-your-terms/ Quotes to ponder: "Lifestyle inflation is what happens when you earn more money, and in turn, spend more money." "If your income grows, but you spend all of it, you’ll never be able to build wealth." "The key is to embrace it on your terms when you’re ready for it." Learn more about your ad choices. Visit megaphone.fm/adchoices

    8 min
See All (2K)

Shows with Subscription Benefits

OPTIMAL LIVING DAILY+

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

$1.99/mo or $19.99/yr after trial

View Subscription FAQs

Hosts & Guests

4.5
out of 5
1,232 Ratings

About

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...

Information

More From Optimal Living Daily

You Might Also Like