
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

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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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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![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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![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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3628: Budgeting Basics: Income vs. Expenses by Kumiko of The Budget Mom on Money Management
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3627: Alexa How Can I Get Rich by Fritz Gilbert of The Retirement Manifesto on Smart Money Habits
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3626: 5 Health Tips for Entrepreneurs by Laure Carter on Healthy Habits
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3625: 6 Ways Being Cheap Can Cost You Money by Michelle Schroeder-Gardner of Making Sense of Cents
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3624: How One Millenial Couple Saves 25000 Per Year by Jen Hayes on Saving Strategies
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![3623: [Part 2] Wealth Advice That Should Be Obvious by Mr. Money Mustache on Smart Money Habits](https://megaphone.imgix.net/podcasts/6d834856-715c-11f1-9073-83a01421b35c/image/c47d209f7256a34c34ac225edb4798f9.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3623: [Part 2] Wealth Advice That Should Be Obvious by Mr. Money Mustache on Smart Money Habits
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![3622: [Part 1] Wealth Advice That Should Be Obvious by Mr. Money Mustache on Smart Money Habits](https://megaphone.imgix.net/podcasts/be8f254a-715b-11f1-bae9-93f6de9f6356/image/4d2c9b75ab914439f96603ecd9491329.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3622: [Part 1] Wealth Advice That Should Be Obvious by Mr. Money Mustache on Smart Money Habits
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3621: How Do You Take a Vacation While Paying Off Debt? by Laurie Sepulveda with Women Who Money
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3620: 6 Habits of Above Average Retirement Savers by Craig Stephens of Retire Before Dad on Retirement Savings
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3619: What are Your Money Milestones by ESI on Financial Milestones
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3618: Finding Freedom and Fulfillment by Conquering Debt by Claire Wilde with Everthrive on Financial Independence
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3617: How We Paid Off $17,000+ in Student Loan Debt in Just 54 Days by Dave Cahill with Jackie Beck
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3616: 5 Best Ways To Save Money On Your Automotive Expenses by Courtney Luke of Arrest Your Debt
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 3616:
Courtney Luke explains that lowering car expenses isn’t about finding one magic trick, it comes from making smart decisions with maintenance, insurance, driving habits, and vehicle purchases. Discover practical ways to reduce repair bi

3615: I Used To Be Afraid Of Money, But Things Have Changed by Liz Davidson of Frugalwoods on Personal Finance Growth
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 3615:
Liz shares how fear and confusion around money once drove her to extreme penny-pinching and financial anxiety. By educating herself and treating money as a practical skill rather than an emotional burden, she discovered confidence, int
![3614: [Part 2] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Better Money Habits](https://megaphone.imgix.net/podcasts/da22a14a-6a55-11f1-99b8-7f521f190d1e/image/e24865436447a375d01b2539b2971f9b.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3614: [Part 2] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Better Money Habits
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 3614:
Emily Guy Birken explains how simple organizational systems can reduce everyday expenses and stress. From creating a consistent laundry routine and maintaining a snack-ready pantry to managing paperwork with an effective filing system,
![3613: [Part 1] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Better Money Habits](https://megaphone.imgix.net/podcasts/159a558e-6a55-11f1-9dba-bb7236af2d75/image/24e6248a6d5df41d26c28aefbef5a949.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3613: [Part 1] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Better Money Habits
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 3613:
Emily Guy Birken explains how building simple organizational habits can reduce waste, prevent unnecessary spending, and make everyday life run more smoothly. From meal planning to maintaining a shared family calendar, she shows how a l

3612: Simple Ways to Improve Your Debt Management Skills by Jeff Rose of Good Financial Cents on Debt Strategies
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 3612:
Jeff Rose explains practical steps for gaining control of debt by creating a realistic budget, tracking income and expenses, and identifying true disposable income. He also shows how cutting unnecessary spending and using extra cash to

3611: Conscious Spending: It's About the Little Purchases and the Big Wins by Kalen Bruce of Freedom Sprout
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 3611:
Kalen Bruce explains why financial success isn’t just about eliminating small expenses or focusing only on major financial decisions. He argues that true conscious spending comes from understanding where every dollar goes, using budget

3610: Getting to the Root of Your Anger by Rosalyn Palmer on Understanding Emotions
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 3610:
Rosalyn Palmer explores how what we commonly experience as anger is often a protective response masking deeper emotions such as hurt, fear, frustration, or feeling disrespected. By learning to identify these underlying triggers and cha

3609: How Much Should You Leave to Your Kids? by Darrow Kirkpatrick of Can I Retire Yet on Family Inheritance
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 3609:
Darrow Kirkpatrick explores the complex question of how much wealth parents should leave to their children, weighing the benefits of financial security against the risks of entitlement and diminished purpose. He argues that thoughtful

3608: 5 Tips to Have a Successful No Spend Month by Amanda Brownlow of Hello Brownlow on Financial Discipline
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 3608:
Amanda Brownlow shares practical strategies for completing a successful no-spend month without feeling deprived, from planning ahead for special occasions to finding free local activities and reconnecting with old hobbies. Her approach

3607: Breaking the Doom Spending Cycle by Sara Stanizai of Prospect Therapy on Financial Habits
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 3607:
Sara Stanizai explores how anxiety can drive compulsive purchasing behaviors as a way to temporarily escape stress, uncertainty, and emotional discomfort. She explains the connection between anxiety and financial habits while offering

3606: 5 Myths That Encourage Excess Spending by Dori Cameron with Becoming Minimalist on Money Mindsets
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 3606:
Dori Cameron challenges five common mental shortcuts that make unnecessary purchases feel justified, from assuming you can return an item to believing it can always be stored, repaired, donated, or resold later. By exposing the hidden

3605: What Do You Do After You Make A ZILLION Dollars? by James Altucher on Wealth and Purpose
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 3605:
James Altucher shares hard-earned lessons on handling sudden wealth without sabotaging it through impulsive decisions, bad investments, or strained relationships. His practical rules focus on patience, risk management, health, and long

3604: How to Cheat On Your Taxes Legally by Richard Close with Get Rich Slowly on Tax Strategies
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 3604:
Richard Close explains that the smartest way to lower your tax bill is not by breaking the rules, but by understanding them. By looking closely at legitimate deductions and credits that many people overlook, taxpayers can potentially s

3603: 5 Crucial Ways Dave Ramsey is Right About Money by Jen Hayes on Wealth Foundations
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 3603:
Jen Hayes reflects on the financial principles that transformed her own life, sharing how adopting key habits around debt, budgeting, and investing helped her pay off significant debt and build a stronger financial future. Her practica

3602: It Never Gets Easier by Ross Enamait of Ross Training on Personal Discipline
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 3602:
Ross Enamait explains that the discomfort of real growth never disappears—it simply grows alongside your ability to push yourself. By accepting that hard work is meant to be hard, you can stop chasing the illusion that success should f
![3601: [Part 2] The 7 Streams of Income to Get Rich by Nick Maggiulli on Financial Growth](https://megaphone.imgix.net/podcasts/3ac06ede-6645-11f1-848d-ab05760ced6d/image/d11e174aa626ef74d77b591a07e7fa66.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3601: [Part 2] The 7 Streams of Income to Get Rich by Nick Maggiulli on Financial Growth
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 3601:
Nick Maggiulli explores four additional ways to build wealth through dividend income, rental properties, business ownership, and royalties, weighing the trade-offs between stability, scalability, and effort. He also argues that buildin
![3600: [Part 1] The 7 Streams of Income to Get Rich by Nick Maggiulli of Of Dollars and Data on Financial Growth](https://megaphone.imgix.net/podcasts/7d2b6e00-6644-11f1-985c-473c34a4aad7/image/5b48bb525ed923bda080fdb3597bb145.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
3600: [Part 1] The 7 Streams of Income to Get Rich by Nick Maggiulli of Of Dollars and Data on Financial Growth
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 3600:
Nick Maggiulli explores how building multiple streams of income can strengthen your financial future and reduce dependence on a single paycheck. He breaks down the advantages and tradeoffs of earned income, capital gains, and interest

3599: 7 Mentally Strong Financial Traits by Andrew of Dollar After Dollar on Financial Discipline
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 3599:
Andrew argues that building wealth depends less on income and more on developing the right mindset through disciplined choices, emotional control, persistence, and continuous learning. He shows how small daily decisions compound over t

3598: Trading Financial Freedom for Mini-Retirement by Chris of Keep Thifty on Early 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 3598:
Chris explores why he willingly delayed financial freedom to take a year-long mini-retirement and spend more time with his young children while they still want him around. His story offers a thoughtful perspective on balancing long-ter

3597: How to Retire in Under Ten Years by Christina Browning of Our Rich Journey on Early Retirement
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 3597:
Christina Browning explains how a high savings rate, combined with long-term investing and compound growth, can dramatically shorten the path to financial independence. By breaking down the 4% Rule with practical examples, she shows ho
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