2,011 episodes

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 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 financial tips; it’s a daily companion that guides you towards financial freedom and savvy money management, all delivered with Diania's trademark enthusiasm and expertise.

Listen now, and become an OLD friend--your optimal life awaits...

Optimal Finance Daily Optimal Living Daily

    • Business
    • 4.5 • 1.2K Ratings

Listen on Apple Podcasts
Requires subscription and macOS 11.4 or higher

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 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 financial tips; it’s a daily companion that guides you towards financial freedom and savvy money management, all delivered with Diania's trademark enthusiasm and expertise.

Listen now, and become an OLD friend--your optimal life awaits...

Listen on Apple Podcasts
Requires subscription and macOS 11.4 or higher

    What Are Mortgage Points (And Should You Buy Them)? by Jeff Rose of Good Financial Cents

    What Are Mortgage Points (And Should You Buy Them)? by Jeff Rose of Good Financial Cents

    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 2671:
    Jeff Rose of GoodFinancialCents.com demystifies mortgage points, shedding light on their potential benefits and drawbacks. He navigates through the intricacies of buying points to lower interest rates, the considerations of homeownership duration, and the fluctuating real estate market, offering valuable insights for those pondering this financial decision.
    Read along with the original article(s) here: https://www.goodfinancialcents.com/mortgage-points-should-you-buy-them-what-are-they/
    Quotes to ponder:
    "Pay $3,000 for a point now, and you could save that much and more later on over the course of the loan."
    "The real value of a point is not always so simply calculated."
    Episode references:
    IRS Topic no. 504, Home mortgage points: https://www.irs.gov/taxtopics/tc504
    Learn more about your ad choices. Visit megaphone.fm/adchoices

    • 9 min
    Break the Paycheck-to-Paycheck Cycle and Start Saving by Vicki Cook and Amy Blacklock of Women Who Money

    Break the Paycheck-to-Paycheck Cycle and Start Saving by Vicki Cook and Amy Blacklock of Women Who Money

    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 2670:
    In "Break the Paycheck-to-Paycheck Cycle and Start Saving," Vicki Cook and Amy Blacklock of WomenWhoMoney.com offer actionable steps to overcome the common yet challenging situation of living from one paycheck to the next. Their guidance is a beacon of hope for individuals struggling with financial insecurity, providing practical strategies for debt management, mindful spending, and the cultivation of savings to secure a more stable financial future.
    Read along with the original article(s) here: https://womenwhomoney.com/stop-living-paycheck-paycheck/
    Quotes to ponder:
    "Living this way is a frustrating reality for many women. This is a serious problem."
    "To total your debt: Add up the balance on every credit card you have, total any outstanding loans, and add in your mortgage if you own your home."
    "Just start. Don’t wait until for a new week, or next month. And don’t make taking control of your finances a resolution for next year."
    Learn more about your ad choices. Visit megaphone.fm/adchoices

    • 9 min

Customer Reviews

4.5 out of 5
1.2K Ratings

1.2K Ratings

George Hyland ,

Love the content, hate the advertising

As much as I love this podcast, I will stop listening until the current rotation of ads stop. I do not want to be told to “take a whiff of those pits and toes” first thing every morning. C’mon.

BadDNA94 ,

Content is great, introduced ads not so much

I like the OFD podcast. I’m one of those recently introduced to the show and am listening from the earliest available episodes, working my way chronologically to the present.

And I fully respect that they went from ‘ad-free free’ to ‘free with ads’ to monetize and pay for their efforts. Nothing wrong with honest capitalism. But I do resent when the old episodes (I’m only to the beginning of 2017 now nearly six years behind but catching up) are re-engineered. Podcasters may have agreements with sponsors or just decide to ‘update’ old episodes with the ad content, but it kills my library and listening. Now I have two versions of each episode (the smaller ad-free clean one I’ve already downloaded) and an unloaded version with the ads that will only play if I’m on wifi (immediately after the downloaded one).

In my curated library, I’d have to delete the show, redownload the newly-updated archive, and continue listening. Until the show runners decide to change out who their sponsorship is and re-re-engineer the archived shows and I’m stuck with the same issue again. Podcasters - it’s bad enough that Apple will only keep your library archive going back a few hundred episodes - but now any refresh of my library will cause duplication or failed indexes where show episodes once downloaded are no longer available. Yes, the fruit company is partly to blame, but can you find a way to NOT mess with prior episodes? Please?

Jhawk737 ,

Be more honest about episode repeats!

This show has a fair amount of good original content. However, I have noticed a lot more in the last year either (a) the podcast replays previously aired episodes (without mentioning this in the intro) or (b), airing very outdated podcasts some mentioning the Great Recession of 2008 going on, some still mentioning “while now in the middle of the pandemic” or stats and figures like “last year, in 2014”…

To not waste a listeners time, it would be nice if like other podcasts, they would mention if it was not a new episode or if first the time being played and it’s older, say “here is a new episode we haven’t featured from 2016”, etc. Otherwise I feel like I’m being played lol.

Thanks!

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