
Optimal Finance Daily - Financial Independence and Money Advice
Optimal Finance Daily is the #1 narrated podcast for the FIRE movement (Financial Independence, Retire Early). It curates and reads influential blogs on stock market investing, passive income, debt repayment, and 401k strategies, transforming complex wisdom into actionable daily episodes. Hosted by Diania Merriam, founder of the EconoMe conference, the show is designed for growth-minded professionals seeking wealth management tips and money mindfulness. Topics include budgeting, frugal living, index fund investing, and tax strategies. The podcast aims to help listeners secure financial freedom and navigate retirement planning.
Episodes
![3707: [Part 1] You Can Teach An Old Dog New Tricks by Grumpus Maximus on Paying Down Debt](https://megaphone.imgix.net/podcasts/67ccecfa-a893-11f1-a575-1329d4a7f5af/image/1bd40be7ec3616843ffd711e7a145d58.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3707: [Part 1] You Can Teach An Old Dog New Tricks by Grumpus Maximus on Paying Down Debt
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3706: When Life Throws You Curveballs by Julie Morgenstern on Intentional Living
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3705: It's Only Money by Craig Stephens of Retire Before Dad on Emergency Funds
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3704: Sufficiency by Chris Guillebeau on Money Mindset
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3703: Simple Finances: How and Why to Build Up a Cushion in the Bank by Leo Babauta of Zen Habits on Financial Security
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3702: The Latte Factor: 8 Ways We Often Overspend by Lama Farran with Becoming Minimalist on Intentional Spending
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3701: Happiness Through Subtraction by The Mad Fientist on Financial Independence
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3700: The Evolution of the Meaning of Money by Jacob Lund Fisker of Early Retirement Extreme on Money Mindset
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3699: Great Financial Lessons My Dad Taught Me: Money Doesn't Have To Make Your Life Miserable by Michelle Schroeder-Gardner on Money Mindset
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3698: Eating Healthy On A Budget by Tania Brown with Financial Finesse on Saving Money
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3697: My 4 Favorite Pieces of Financial Advice Ever by J. Money of Budgets Are Sexy on Personal Finance
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3696: How to Live in the Land of Enough: Money by Courtney Carver of Be More With Less on Intentional Spending
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3695: What It Feels Like to No Longer Worry About Money by Joshua Fields Millburn of The Minimalists on Money Mindset
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3694: Maybe Investing Isn't Worth The Risk by Dave of Accidental Fire on Stock Market Investing
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3693: How I Stopped Excessive Gifting by Tim Sullivan with Get Rich Slowly on Intentional Spending
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3692: 5 Investments That Made Me a Millionaire by Chris Reining on Building Wealth
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3691: What Will You Do When You're Retired? by Darrow Kirkpatrick of Can I Retire Yet on Retirement Planning
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3690: Patient and Decisive by Tynan on Intentional Living
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3689: How to Retire Early by ESI of ESI Money on Financial Independence
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3688: Is DEBT Fueling Your Life by Paula Pant of Afford Anything on Money Mindset
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3687: Confessions of a (Reformed) Shopaholic by Britt with No Sidebar on Intentional Spending
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3686: 3 Seriously Simple Tactics We Used to Pay Off Our Loans Early by Jessica Thiefels with Money Mini Blog on Paying Down Debt
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3685: Rant: Stop Focusing on the 4% Rule by Mr. 1500 Days on Safe Withdrawal Rate
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3684: What Happened When We Stopped Spending Money for a Whole Week by Philip Taylor of PT Money on Intentional Spending
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3683: Asset Allocation by Steve Pavlina on Investment Strategies
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3682: How to Eliminate Working Mom Guilt by Julie Morgenstern on Work-Life Balance
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3681: Mr. Money Mustache vs. No Impact Man by Mr. Money Mustache on Frugality
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3680: The Cluttered Lives of Middle-Class Americans by J.D. Roth of Get Rich Slowly on Minimalism
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3679: 5 Signs You Are Not Ready for Retirement by Mike Ballew of EggStack on Retirement Planning
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3678: A Personal Spending Plan that Actually Works by Joshua Becker of Becoming Minimalist on Budgeting
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3677: Fiscal Fitness: Eliminate Debt with 10 Successful Diet Principles by Leo Babauta of Zen Habits on Paying Down Debt
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3676: 5 Practical Tips To Live Below Your Means by Robyn Goldfarb of A Dime Saved on Intentional Spending
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3675: Are Side Hustles Worth It? by Madison Block with Women Who Money on Side Hustles
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3674: Chronotypes, Sleep, and Productivity by Sara Lindberg with Healthline on Peak Productivity
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3673: Practical Tips from Successful Investors by Brian Tracy on Investment Advice
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3672: The Worst Money Mistakes I've Made by Mark Dennis with Financial Finesse on Money Habits
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3671: 3 Spending Habits That Are Setting You up for Failure by Kumiko of The Budget Mom on Money Habits
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3670: How Do You Get Comfortable Investing Your Savings? by J. Money of Budgets Are Sexy on Investment Advice
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3669: Failure is Okay by JD Roth of Get Rich Slowly on Money Mindset
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3668: The Value of Following Your Dreams When They Don't Make Money by Kym Wilson with Tiny Buddha on Intentional Living
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3667: How to Stop Buying Stuff You Don't Need (Real Tips That Work) by Jennifer of SimplyFiercely on Intentional Spending
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3666: How I Turned Things Around When My Life Was a Mess by Jen Hayes on Fresh Starts
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3665: Why I Use a CPA to Do My Taxes by ESI of ESI Money on Tax Planning
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3664: Why Most Retirement Calculators Don't Work by Darrow Kirkpatrick of Can I Retire Yet on Retirement Planning
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3663: Should I Stop Using Retirement Accounts If I'm Planning To Retire Early? By Chris Reining on Retirement Investing
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3662: The Cost of Things AND Know Why You Buy by Colin Wright of Exile Lifestyle on Smart Spending
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3661: The Less You Own The Less That Owns You by Michelle Schroeder-Gardner of Making Sense of Cents on Minimalist Living
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3660: Why you need F-you money AND Time Machine and the future returns for stocks by JL Collins on Financial Independence
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3659: Why Do Some People Consistently Spend More Than They Earn by Sam of Financial Samurai on Money Mindset
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3658: Pressing Restart by Danae Smith of This Wondrous Life on Fresh Starts
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3657: Can I Retire Young? by Jacob Lund Fisker of Early Retirement Extreme on Financial Independence
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3656: How to Save 20% of Your Income (Consistently) Each Year in Your 30s by Philip Taylor of PT Money on Retirement Planning
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3655: Rogue Waves, Rogue Markets by Jesse Cramer with Best Interest on Stock Market Education
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3654: Is It Fair to Earn Passive Income? by Steve Pavlina on Money Mindset
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3653: Key Question: How Much Is Enough By Leo Babauta of Zen Habits on Frugal Living
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![3652: [Part 2] Hierarchy of Financial Needs (and the Meaning of Life) by The Mad Fientist on Money and Happiness](https://megaphone.imgix.net/podcasts/698e8cf2-8718-11f1-92e7-8f99fc8efc25/image/52eabef1e87847ba66d4b011508a3740.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3652: [Part 2] Hierarchy of Financial Needs (and the Meaning of Life) by The Mad Fientist on Money and Happiness
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![3651: [Part 1] Hierarchy of Financial Needs (and the Meaning of Life) by The Mad Fientist on Financial Independence](https://megaphone.imgix.net/podcasts/683b77e8-8718-11f1-bdcd-33e0d7244056/image/4ebfb1a4715b36e410e3d7c4a8f81281.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3651: [Part 1] Hierarchy of Financial Needs (and the Meaning of Life) by The Mad Fientist on Financial Independence
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3650: 5 Stress Management Techniques by Lucy Miller with No Sidebar on Finding Calm
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3649: How To Build Wealth By Spending Money Wisely by Steve Chou of My Wife Quit Her Job on Smart Spending
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3648: Why You Shouldn't Make House Purchases Based on Emotions by Kalen Bruce of Money Mini Blog
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3647: 5 Investing Rules from Building a 7-Figure Portfolio by Chris Reining on Investing Strategies
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3646: Why Smart People Make Bad Spending Decisions by Ornella Grosz with Budgets Are Sexy on Financial Decision-Making
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3645: 11 Ways to Simplify Your Financial Life by Bob Lotich with Becoming Minimalist on Financial Simplicity
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3644: Which Part of the Money Wave Do You Surf By Mr. Money Mustache on Personal Finance
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BONUS: A Farewell from Diania
In this special bonus episode, Diania Merriam shares a heartfelt farewell after more than five years as the host of Optimal Finance Daily. She tells the story of how a late-night Facebook scroll in the fall of 2020 led to one of the best decisions of her life, and reflects on how much has changed since then - leaving her corporate job, growing the EconoMe Conference from a $40,000 loss into a prof

3643: 5 Major Money Mistakes I've Made And How You Can Avoid Them by Andy Hill of Marriage Kids and Money
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3642: What is Intention Setting and How to Live with Intention by Shirley of Daring Living on Intentional Living
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3641: 8 Tips to Save Money on Groceries by Amanda Brownlow of Hello Brownlow on Frugal Living
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3640: Motivation and Money by Honey Smith of Get Rich Slowly on Money Mindset
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![3639: [Part 2] The 6 Crucial Questions to Answer Before You Retire by Darrow Kirkpatrick of Can I Retire Yet](https://megaphone.imgix.net/podcasts/61be25c8-8335-11f1-a899-b3d3be8a5689/image/7e5284ffcd13941bc889ef4477aa8aba.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3639: [Part 2] The 6 Crucial Questions to Answer Before You Retire by Darrow Kirkpatrick of Can I Retire Yet
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![3638: [Part 1] The 6 Crucial Questions to Answer Before You Retire by Darrow Kirkpatrick of Can I Retire Yet](https://megaphone.imgix.net/podcasts/c6c6cbc4-8334-11f1-a4b8-ab4336553414/image/3f59a91e02b1f729bb1ad9d2845fe932.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3638: [Part 1] The 6 Crucial Questions to Answer Before You Retire by Darrow Kirkpatrick of Can I Retire Yet
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Disc

3637: What is a Penny Stock? by Jeff Rose of Good Financial Cents on Stock Market Education
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3636: What Is An Index Fund? by Andrew of Dollar After Dollar on Investing Basics
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3635: Investing, Reduced to Its Core by Paula Pant of Afford Anything on Investment Strategy
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3634: We Shouldn't Discourage Our Kids From Trade School by Kalen Bruce of Freedom Sprout on Education Choices
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3633: Hidden 401K Fees No One Talks About by Logan Allec with Saving Joyfully on Retirement Investing
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Disco
![3632: [Part 2] How We Saved Multi-Millions by Go Curry Cracker on Wealth Building](https://megaphone.imgix.net/podcasts/91350e26-76f0-11f1-b905-7fc1657334b4/image/30e8400ca2088a5248e58e20a5ea9331.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3632: [Part 2] How We Saved Multi-Millions by Go Curry Cracker on Wealth Building
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Disco
![3631: [Part 1] How We Saved Multi-Millions by Go Curry Cracker on Wealth Building](https://megaphone.imgix.net/podcasts/9eddca82-76ef-11f1-b6fe-d33d16622e02/image/3839c5bad656e417459d82f8f3282663.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3631: [Part 1] How We Saved Multi-Millions by Go Curry Cracker on Wealth Building
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3630: What’s Probably Missing From Your Financial Plan by Erik Carter of Financial Finesse on Financial Planning
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3629: 6 Ways to Pay Off Debt When You Have No Money by Christina Browning of Our Rich Journey
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Disco
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