Optimal Finance Daily - Financial Independence and Money Advice
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2560: Investment Fees Are The Worst by Wanderer of Millennial Revolution on MER and Mutual Funds
22 december 2023 · 11 min
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 2560:
Wanderer from Millennial Revolution brings to light the hidden, damaging impact of investment fees, especially in mutual funds. By comparing the long-term effects of Management Expense Ratios (MERs) in mutual funds versus lower-cost ETFs, the article reveals how even small percentages can significantly reduce investment returns over time.
Read along with the original article(s) here: https://www.millennial-revolution.com/invest/investment-fees-are-the-worst/
Quotes to ponder:
"Investment fees usually don’t appear in your statement, and are instead embedded inside your mutual fund and taken silently out of the fund’s performance."
"The more you pay, the worse the performance, because that fee just eats into your returns."
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2559: 6 Ways to Lower Your Home Insurance by April Dykman of Get Rich Slowly on Financial Savings
21 december 2023 · 11 min
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 2259:
April Dykman's insightful article from GetRichSlowly.org offers six practical strategies for homeowners to reduce their insurance costs. From ensuring appropriate coverage levels to improving credit scores and consolidating policies, these tips are designed to help homeowners save money and navigate the complexities of home insurance.
Read along with the original article(s) here: https://www.getrichslowly.org/6-ways-to-lower-your-home-insurance/
Quotes to ponder:
"Making your home more windstorm-resistant, such as adding storm shutters, can lower your insurance premium."
"Consolidating your home and auto insurance can save you anywhere from 5 to 15 percent."
Episode references:
Insurance Information Institute: [https://www.iii.org/]
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2558: How to Retire: 5 Steps to a Secure Future by Kathleen Coxwell of New Retirement on Retirement Planning
20 december 2023 · 12 min
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 2558:
Kathleen Coxwell's guide on retiring securely, regardless of savings, presents a practical five-step plan. It emphasizes the importance of having a purpose, creating and adjusting a retirement plan, exploring financial options, setting a firm retirement date, and embracing the journey with confidence.
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:
"It is best to retire to do something, not just to escape whatever you do to earn money."
Episode references:
Risk Parity Radio: [https://www.riskparityradio.com/]
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2557: Our All-Time Favorite Frugal Things to Stuff in a Holiday Stocking by Lisa Harrison of Mad Money Monster on Budget-Free Holidays
19 december 2023 · 10 min
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 2557:
Lisa Harrison of MadMoneyMonster.com shares creative and budget-friendly ideas for holiday stocking stuffers. Emphasizing thoughtfulness over expense, the article suggests unique gifts like specialty soaps, glass water bottles, and homemade gift certificates, reflecting a blend of practicality and personal touch for a memorable holiday experience.
Read along with the original article(s) here: https://madmoneymonster.com/2017/11/27/time-favorite-frugal-things-stuff-holiday-stocking/
Quotes to ponder:
"A thoughtful gift is much better, and usually more appreciated, than an expensive gift."
"It’s really hard to argue with giving or receiving cash. There aren’t any fees that go along with giving gift cards, and it never expires."
Episode references:
The Simple Path to Wealth by Jim Collins: Link
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2556: What Is An Index Fund? by Andrew of Dollar After Dollar on Financial Indexes and Mutual Funds
18 december 2023 · 11 min
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 2556:
Andrew from DollarAfterDollar.com demystifies index funds, explaining their advantages in diversification, low costs, and broader market exposure. He clarifies how these funds mirror financial indices and are optimal for long-term investment, especially for retirement planning.
Read along with the original article(s) here: https://www.dollarafterdollar.com/what-is-an-index-fund/
Quotes to ponder:
"Index funds are mutual funds that come with a portfolio designed to track or match a financial index."
"An index fund is usually considered to be the ideal portfolio holdings for retirement accounts like the 401k or IRAs."
"The basic idea behind an index fund is that by matching the index profile, you will match its performance too."
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2555: 4 Reasons Why You Can't Stop Shopping and What to Do About It by Jennifer of Simply Fiercely on Shopping Addiction
17 december 2023 · 10 min
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 2555:
Jennifer's insightful exploration into the psychology of shopping addiction in "4 Reasons Why You Can’t Stop Shopping and What To Do About It" is a must-listen for anyone struggling with compulsive buying. She articulately delves into the emotional drivers behind shopping and offers practical steps to regain control.
Read along with the original article(s) here: https://www.simplyfiercely.com/stop-shopping/
Quotes to ponder:
"When you’re tempted to buy something, look at the price and ask what’s the true cost? How many hours of your life would you be trading for your purchase?"
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2554: When in Doubt Be Generous by Jeff Goins of Goins Writer on Personal Growth and Success Strategy
17 december 2023 · 10 min
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 2554:
Jeff Goins emphasizes the power of generosity as a key to success. He shares personal anecdotes and insights to debunk the myth that generosity is a byproduct of success, arguing instead that it's a driving force. Through examples from his own life and writing career, Goins illustrates how giving freely can lead to personal growth, better work, and ultimately, more success.
Read along with the original article(s) here: https://goinswriter.com/generous/
Quotes to ponder:
"Anytime I start getting scared of running out of something, I give away something. I have more than enough love, money, work, friendship, food, time, and energy to share. Always."
"Spend it all, shoot it, play it, lose it, all, right away, every time. Do not hoard what seems good for a later place in the book or for another book; give it, give it all, give it now."
Episode references:
"Real Artists Don't Starve" by Jeff Goins: https://www.amazon.com/Real-Artists-Dont-Starve-Strategies/dp/0718086260
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2553: [Part 2] Why Pursue Financial Independence? Because Nothing Lasts Forever by A Purple Life on Corporate Acquisition
16 december 2023 · 9 min
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 2553:
A Purple Life's article, "Why Pursue Financial Independence? Because Nothing Lasts Forever," delves into the stark reality of corporate acquisitions and the disillusionment that follows. The author reflects on her experience with a once-cherished company being absorbed into a generic corporation, emphasizing the importance of financial independence as a safeguard against such unpredictable changes in the workplace.
Read along with the original article(s) here: https://apurplelife.com/2021/01/26/why-pursue-financial-independence/
Quotes to ponder:
"People have asked me before if I regret quitting and I always responded 'No,' but after these events unfolded, it’s the first time I’ve actually felt relieved that I quit."
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2552: [Part 1] Why Pursue Financial Independence? Because Nothing Lasts Forever by A Purple Life on Life Changes
15 december 2023 · 10 min
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 2552:
A Purple Life shares a powerful message on the impermanence of life and the importance of financial independence. Through personal experiences, from leaving a dream job in NYC to witnessing a company's unexpected acquisition, the article underscores the reality that nothing lasts forever, emphasizing the value of financial independence as a buffer against life's unpredictable nature.
Read along with the original article(s) here: https://apurplelife.com/2021/01/26/why-pursue-financial-independence/
Quotes to ponder:
"The only thing guaranteed in life is that nothing is certain and everything changes."
Episode references:
Awareness by Tony de Mello - Link
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2551: How to Master the Art of Delayed Gratification by Ben Feldman with Good Financial Cents on Financial Success
14 december 2023 · 11 min
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 2551:
Ben Feldman of GoodFinancialCents.com delves into the transformative power of delayed gratification, a crucial component for achieving financial success. He unravels how childhood experiences shape our attitudes towards money, emphasizing the need to shift from immediate rewards to long-term financial goals. The article offers practical strategies for aligning values with financial objectives, using imagination and tangible reminders to make future rewards feel more real and attainable.
Read along with the original article(s) here: https://www.goodfinancialcents.com/how-to-master-the-art-of-delayed-gratification/
Quotes to ponder:
"The ability to delay gratification is the true key to financial success."
"To shift your mindset, one of the most powerful tools in your arsenal will be your imagination."
"Creating tangible reminders of your objectives reinforces commitment."
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2550: How to Live Rent and Mortgage Free by Christina Browning of Our Rich Journey on Financial Independence
13 december 2023 · 10 min
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 2550:
Christina Browning of OurRichJourney.com offers a refreshing perspective on minimizing housing costs, a major hurdle in achieving financial independence. She shares ingenious strategies for living rent and mortgage free, from being a resident advisor to strategic downsizing and utilizing employer-paid housing. These insights are crucial for anyone aiming to fast-track their path to financial freedom.
Read along with the original article(s) here: https://www.ourrichjourney.com/post/how-to-live-rent-and-mortgage-free
Quotes to ponder:
"Think differently! Consider what would happen if you told yourself that you should spend no more than ten percent of your income on housing?" Lees meerLearn more about your ad choices. Visit megaphone.fm/adchoices
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2549: 7 Money-Saving Tips You Should Already Be Following by Melissa Lobo with MoneyMiniBlog on Financial Goals
12 december 2023 · 10 min
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 2549:
Melissa Lobo, with MoneyMiniBlog.com, offers practical and easy-to-implement money-saving tips suitable for those with tight budgets. From strategically saving paychecks to trimming down expenses in areas like cellphone bills, food, and prescriptions, Lobo's advice emphasizes smart financial habits that can lead to significant savings without feeling deprived.
Read along with the original article(s) here: http://moneyminiblog.com/save-money/common-money-saving-tips/
Quotes to ponder:
"By the end of the year, you will have saved at least two paychecks’ worth of funds!"
Episode references:
GoodRx: https://www.goodrx.com/
LowestMed: https://www.rxspark.com/
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2548: The 4% Retirement Rule: Why You Can Plan but Not Predict by Chris Reining on Economic Downturns
11 december 2023 · 10 min
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 2548:
Chris Reining's insightful piece on the 4% Retirement Rule illuminates the uncertainties of financial planning, drawing parallels with the unforeseen challenges faced by the Apollo 13 astronauts. He emphasizes that while the 4% rule, initially proposed by Bill Bengen and further explored by Michael Kitces, is designed to withstand economic downturns, it's the adaptability to unexpected situations that truly secures financial stability in retirement.
Read along with the original article(s) here: https://chrisreining.com/plan-predict/
Quotes to ponder:
"You can plan, but not predict."
"The reason the 4% rule works during recessions is because the 4% rule is based on the worst possible historical scenarios."
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2547: Reinventing The Wheel by Fritz Gilbert of The Retirement Manifesto on Continual Improvement
10 december 2023 · 10 min
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 2547:
Fritz Gilbert of TheRetirementManifesto.com explores the vital practice of "reinventing the wheel," especially in retirement. He argues that continual improvement and adaptation aren't just beneficial; they're necessary. From modifying your approach to travel and spending to embracing time over money, Gilbert highlights how reinventing aspects of life can lead to a more fulfilling retirement experience.
Read along with the original article(s) here: https://www.theretirementmanifesto.com/reinventing-the-wheel/
Quotes to ponder:
"Retirement is a perfect time to reinvent your wheel. Don’t settle for things as they are, but rather seek to continually improve your life experience." Lees meerLearn more about your ad choices. Visit megaphone.fm/adchoices
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2546: 4 Gift-Giving Tips to Give the Perfect Present this Holiday by Ramit Sethi of I Will Teach You To Be Rich
10 december 2023 · 11 min
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 2546:
Ramit Sethi's insights on gift-giving transform a daunting task into an art form, emphasizing the joy and skill involved in selecting the perfect present. His approach challenges conventional ideas and offers practical, thoughtful strategies to enhance your gift-giving experience this holiday season.
Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/blog/how-to-give-good-gifts/
Quotes to ponder:
"Watching their faces as they open up the perfect present — one I am totally confident they’ll love — that’s part of a Rich Life for me."
"If someone wants a gift certificate, get them a gift certificate. You can make it more of a special gift by the presentation and note you send."
"Generosity is a huge part of my Rich Life, so I’ve tried to 'dial in' and get deeper."
Episode references:
NYC Hot Sauce convention - NYC Hot Sauce Convention
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2545: To Be Young! The Best Time to Invest by Jesse Cramer of Best Interest on Investing Early
9 december 2023 · 11 min
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 2545:
Jesse Cramer's article, "To Be Young! The Best Time to Invest," offers a compelling perspective on the importance of investing early in life. Using the example of Wallace, Cramer illustrates how investing in one's youth, especially during the early 20s, can significantly impact retirement savings due to the power of compound interest. The article emphasizes the importance of starting to invest as soon as possible, demonstrating how early investments grow exponentially over time.
Read along with the original article(s) here: https://bestinterest.blog/to-be-young/
Quotes to ponder:
"Your youth isn’t just a good time to invest. It’s the best time to invest." Lees meerLearn more about your ad choices. Visit megaphone.fm/adchoices
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2544: I Shouldn't Want to Be Liked So Much by James Altucher on Financial Choice & Cost of Attending College Education
8 december 2023 · 9 min
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 2544:
James Altucher's candid reflection on a dinner event reveals the uncomfortable truth about societal norms and personal convictions. Facing strong opposition for his views on the necessity of college education, Altucher confronts the harsh reality of seeking approval in a setting resistant to unconventional ideas. His experience highlights the struggle between individual beliefs and the desire for social acceptance.
Read along with the original article(s) here: https://jamesaltucher.com/blog/i-shouldnt-want-to-be-liked-so-much/
Quotes to ponder:
"Why go to prison when you can be free?" Lees meerLearn more about your ad choices. Visit megaphone.fm/adchoices
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2543: Reader Story: The Man Who Thought Early Retirement Sucked by Brandon Turner with Mr. Money Mustache on Financial Freedom
7 december 2023 · 12 min
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 2543:
Mr. Money Mustache's article, "The Man Who Thought Early Retirement Sucked," explores the disillusionment of early retirement. It narrates the story of a young retiree who realizes that financial freedom alone isn't fulfilling. The key message is about redefining retirement as a phase for pursuing passions and creating value, rather than just an escape from work. This thought-provoking piece encourages readers to consider what they truly want in life, emphasizing the importance of work and productivity for well-being.
Read along with the original article(s) here: http://www.mrmoneymustache.com/2013/03/23/reader-story-the-man-who-thought-early-retirement-sucked/
Quotes to ponder:
"Financial freedom sucks if that’s all it’s about." Lees meerLearn more about your ad choices. Visit megaphone.fm/adchoices
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2542: Financial Infidelity - What is it and How to Save Your Marriage and Money by Renee Benes of The Fun Sized Life
6 december 2023 · 10 min
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 2542:
Renee Benes of TheFunSizedLife.com delves into the overlooked issue of financial infidelity in marriages, explaining how hidden debts and secret accounts can erode trust and destabilize relationships. She provides practical advice for confronting these challenges, emphasizing honesty, communication, and shared financial goals as key to repairing both finances and marriage.
Read along with the original article(s) here: https://www.thefunsizedlife.com/financial-infidelity-save-your-marriage/
Quotes to ponder:
"People who struggle to get their spending under control often feel immense guilt, just like a person would with real infidelity."
Episode references:
Smart Couples Finish Rich by David Bach: Link to the book
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2541: The Five Love Languages of Money by Christine Luken on Talking About Money With Your Spouse
5 december 2023 · 10 min
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 2541:
Christine Luken's insightful exploration of "The Five Love Languages of Money" offers a unique perspective on personal finance, intertwining Gary Chapman's relationship concepts with monetary habits. By understanding and applying these love languages to money management, individuals can enhance their financial wellbeing and harmonize their fiscal relationships, both personally and with their partners.
Read along with the original article(s) here: https://www.christineluken.com/the-five-love-languages-of-money/
Quotes to ponder:
"You feel prosperous, not because of your bank balance, but because there’s enough money to pay for the things and experiences you want."
Episode references:
"The Five Love Languages" by Gary Chapman: Link to the book
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2540: Budgeting Basics: Income vs. Expenses by Kumiko of The Budget Mom on Helpful Tips For Building a Budget
4 december 2023 · 11 min
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 2540:
Kumiko from TheBudgetMom.com demystifies the complexities of budgeting, particularly for those with inconsistent income. She emphasizes the importance of prioritizing expenses, planning for worst-case scenarios, and effectively managing both fixed and variable costs. Her approach simplifies budgeting, making it accessible and less overwhelming, guiding readers to financial stability.
Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/
Quotes to ponder:
"Each cent of your income should have a job."
"ALWAYS budget for the worst-case scenario!"
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2539: Five Personal Finance Lessons I Learned From A 10 Km Road Race by Helene Massicotte on Saving Money
3 december 2023 · 10 min
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 number 2539:
Helene Massicotte’s insights from a 10 km road race offer an unexpected exploration of personal finance. The article draws parallels between running and managing money, emphasizing the importance of individual motivation, the misleading allure of flashy tools over genuine desire, the value of a sustainable pace, the significance of grit over natural ability, and the realization that both the journey and the destination matter in achieving financial goals. This refreshing perspective connects physical endurance to fiscal wisdom, underscoring that personal finance, much like a marathon, is a test of perseverance and strategy.
Read along with the original article(s) here: http://www.freetopursue.com/blog/2014/5/5/five-lessons-10km-race
Quotes to ponder:
"You want to save a million dollars? You want to be financially independent? You want to retire early? WHY? Figure out the reasons you desire what you desire."
"What produces results is regular attention, habit and desire--nothing fancy about that."
"The successful individuals set a sustainable and automatic savings 'pace' that leaves them relatively comfortable to enjoy the journey."
Episode references:
Grit by Angela Duckworth: Link to the book
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2538: Chronotypes, Sleep, and Productivity by Sara Lindberg with Healthline on Sleeping Types
3 december 2023 · 11 min
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 number 2538:
Sara Lindberg's article, featured on Healthline.com, delves into the intriguing world of chronotypes, revealing how understanding your personal sleep type can optimize daily productivity. It not only helps tailor activities like working and exercising to your natural rhythms but also offers insights into improving overall health and mental well-being.
Read along with the original article(s) here: https://www.healthline.com/health/chronotype
Quotes to ponder:
"Knowing your chronotype may help you understand how your internal clock works and how you can synchronize it with your daily activities and duties to use your time most efficiently."
Episode references:
The Power of When Quiz: Link to Quiz
Morningness-Eveningness Questionnaire (MEQ) Self-Assessment: Link to MEQ
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2537: [Part 2] Is Moving Worth it to Achieve Financial Independence? by Craig Stephens of Retire Before Dad
2 december 2023 · 10 min
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 number 2537:
Craig Stephens of RetireBeforeDad.com delves into the intricate balance between financial independence and the impact of location on living costs. He shares a personal narrative, weighing the allure of lower living costs against the deep-rooted connections and lifestyle in Washington D.C. This reflective piece offers insights on prioritizing family, community, and stability over financial gains from relocating.
Read along with the original article(s) here: https://www.retirebeforedad.com/move-achieve-financial-independence/
Quotes to ponder:
"To become financially independent, we need to either move or build our assets. We’ve chosen to keep building assets."
"Knowing that we’ll likely stay where we are makes planning for our retirement easier."
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2536: [Part 1] Is Moving Worth it to Achieve Financial Independence? by Craig Stephens of Retire Before Dad
1 december 2023 · 10 min
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 number: 2536
Exploring the balance between financial independence and life satisfaction, this episode delves into the dilemma of relocating for economic benefits. It weighs the impact of moving to a lower-cost area against the value of personal happiness and social connections, challenging the notion that financial goals should overshadow life's pleasures and relationships.
Read along with the original article(s) here: https://www.retirebeforedad.com/move-achieve-financial-independence/
Quotes to ponder:
"Considering that the cost of living in a place like San Pedro is so low, our family could move there TODAY and be financially independent for the rest of our lives. If we stay in the Washington D.C. area, we’re many years away."
Episode references:
FinCon
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2535: What are Sinking Funds and are They Smart to Have? by Vicki Cook and Amy Blacklock of Women Who Money
30 november 2023 · 11 min
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 2535:
Vicki Cook and Amy Blacklock's insightful guide on sinking funds clarifies how they can stabilize your financial planning. By saving in small amounts for specific purposes, sinking funds help you handle anticipated expenses without disrupting your monthly budget or resorting to debt, enhancing both your financial health and peace of mind.
Read along with the original article(s) here: https://womenwhomoney.com/what-are-sinking-funds-are-they-smart-to-have/
Quotes to ponder:
"Sinking funds help prevent you from busting your monthly budget. Or taking on more debt for expected – but not regular monthly expenses."
"A sinking fund is used for short-term savings goals for expenses you expect to have but are not a part of your regular monthly spending."
"Shifting from reactive spender to proactive saver will improve your financial house and lessen your financial stress."
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2534: Could You Spend Just $100 on the Holidays? by Rose Lounsbury on Having a Meaningful Holiday Season
29 november 2023 · 9 min
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 2534:
Rose Lounsbury shares a heartfelt examination of holiday spending through the lens of minimalism. She reflects on how the true joy of Christmas is found in moments shared with family, not the accumulation of gifts. Her insights urge readers to consider the lasting value of experiences over material possessions.
Read along with the original article(s) here: https://roselounsbury.com/spend-just-100-holidays/
Quotes to ponder:
"The gifts we give don’t matter as much as the time we spend."
"Most gifts are not fulfilling. Giving and getting tons of presents does not make me feel happy, or fulfilled, or joyful, or… Christmas-like."
"All my best holiday memories involve TIME with family and friends. They revolve around MEMORIES, not stuff."
Episode references:
The reference from Rose Lounsbury's article, "Hundred Dollar Holiday" by Bill McKibben, is accessible here: Amazon.
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2533: How to Hold an Effective Family Budget Meeting by Chelsea Brennan of Smart Money Mamas on Financial Education for Kids
28 november 2023 · 10 min
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 number: 2533
Explore the transformative power of involving the whole family in financial planning with Chelsea Brennan's insights on effective family budget meetings. Discover the profound impact of early financial education on kids, learn to make budget discussions engaging and meaningful, and see how these practices can shape a financially savvy and intentional future generation.
Read along with the original article(s) here: https://smartmoneymamas.com/hold-effective-family-budget-meeting/
Quotes to ponder:
"To hold a successful budget meeting, you need to plan ahead of time to make it a fun, positive experience for your kids."
"Their ideas may not be something you would usually do, but be open to letting them try. Usually, the best ideas come from people with a fresh set of eyes!"
"Determine when your family will meet again to review progress. That 0.0007% of your time could mean the difference between raising kids who think critically and creatively about money, or kids who ask the same 'why did no one teach me this?' questions you have had to ask yourself."
Episode references:
T.Rowe Price’s annual Parents, Kids, & Money survey: T.Rowe Price's website
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2532: The 4% Rule and Why We're Not Relying on It by Kiersten Saunders of Rich and Regular on Retirement Strategy
27 november 2023 · 12 min
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 2532:
Kiersten Saunders of RichandRegular.com shares a thoughtful critique of the 4% rule, a cornerstone of the FIRE movement's retirement strategy. She emphasizes diversifying income through real estate and other ventures, highlighting the importance of flexibility and control over one's financial destiny beyond traditional investment methods.
Read along with the original article(s) here: https://richandregular.com/the-4-rule-and-why-were-not-relying-on-it/
Quotes to ponder:
"The gifts we give don’t matter as much as the time we spend."
Episode references:
The Problem with the 4% Rule (and Why You Could Retire Even Sooner): https://www.madfientist.com/discretionary-withdrawal-strategy/
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2531: The Seven Deadly Sins of Investing by J Money of Budgets Are Sexy on Investment Strategies
26 november 2023 · 12 min
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 2531:
J. Money of BudgetsAreSexy.com humorously dissects the common pitfalls investors face, candidly reflecting on his own experiences with the "Seven Deadly Sins of Investing." He highlights the importance of simple, informed investing strategies over complex, fee-heavy approaches and emphasizes learning from mistakes to achieve financial success.
Read along with the original article(s) here: https://www.budgetsaresexy.com/7-deadly-sins-investing/
Quotes to ponder:
"I try to buy stock in businesses that are so wonderful that an idiot can run them. Because sooner or later, one will."
"Rule number one: Never lose money. Rule number two: Don’t forget rule number one."
Episode references:
The Simple Path to Wealth by JL Collins: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926
Risk Parity Radio: https://www.riskparityradio.com/
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2530: Effort Alone Isn't Enough by David Cain of Raptitude on Identity Changes
26 november 2023 · 11 min
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 2530:
David Cain's "Effort Alone Isn’t Enough" explores the crucial role of self-identity in personal development. He illustrates how envisioning oneself as already having achieved a goal, like becoming a regular runner, can transform effort from an uphill battle to a natural, downhill flow. This shift in self-perception, Cain argues, is often more influential in achieving goals than the effort itself.
Read along with the original article(s) here: https://www.raptitude.com/2014/06/effort-alone-isnt-enough/
Quotes to ponder:
"Every new pursuit seems to be at its most 'uphill' at the beginning, when you have fewer skills and less confidence than you're likely to have for the entire rest of the path."
"The real key to success is reaching a place where you feel like a runner before any additional adversity derailed you."
"Who you feel like you are determines, at every moment, what actions feel reasonable and unreasonable, doable and not doable, natural and contrived, uphill and downhill."
Episode references:
How to Visualize Your New Reality – Steve Pavlina: https://stevepavlina.com/blog/2009/11/how-to-visualize-your-new-reality/
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2529: Who Feels Rich Really? by Nick Maggiulli of Of Dollars and Data on Money Perspective
25 november 2023 · 12 min
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 2529:
Nick Maggiulli's insightful article delves into the relativity of wealth and our perception of it, using the story of Pahom from Tolstoy's "How Much Land Does a Man Need?" and Lloyd Blankfein's views on wealth. It challenges our understanding of what it means to be rich and how our comparisons with others shape this perception.
Read along with the original article(s) here: https://ofdollarsanddata.com/who-feels-rich-really/
Quotes to ponder:
"Have you ever had the impression that other people have many more friends than you? If you have, you are not alone. Our friends have more friends on average than a typical person in the population. This is the friendship paradox…"
Episode references:
"How Much Land Does a Man Need? by Leo Tolstoy" - available at Online Literature.
"Interview: GS's Lloyd Blankfein - The Big Picture" - available at Ritholtz.com.
Credit Suisse Global Wealth Report" - available at Credit Suisse.
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2528: 5 Reasons You Need To Track Your Net Worth To Build Wealth by Lisa Harrison of Mad Money Monster
24 november 2023 · 10 min
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 2528:
Lisa Harrison of MadMoneyMonster.com advocates for the essential practice of net worth tracking, detailing five compelling reasons that underscore its significance in building wealth and achieving financial independence. By monitoring net worth, individuals can gain a clear picture of financial health, stay motivated, measure against peers, observe growth, and curb frivolous spending.
Read along with the original article(s) here: https://madmoneymonster.com/2018/02/01/why-tracking-your-net-worth-is-one-of-the-best-things-you-can-do/
Quotes to ponder:
"Tracking our net worth has been the single best thing we ever did for motivation."
"When you know your numbers and you’re watching your net worth skyrocket compared to your peers, it becomes a lot easier to control unnecessary spending."
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2527: How Gratitude Improves Your Financial Wellness (and Health Too): Happy Thanksgiving! by Kathleen Coxwell of New Retirement
23 november 2023 · 13 min
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 2527:
Kathleen Coxwell of NewRetirement.com shares insights on the profound effects of gratitude on health, happiness, and financial well-being, especially during the holidays. She highlights research showing that gratitude enhances mental health, fosters better money management, reduces materialism, and strengthens resilience, suggesting simple practices to cultivate a grateful mindset.
Read along with the original article(s) here: https://www.newretirement.com/retirement/how-to-be-thankful-practice-gratitude/
Quotes to ponder:
"Feelings of gratitude automatically reduce financial impatience."
"Gratitude and giving thanks may help us to be happier in life by making us happier where we are and less stressed about achieving material wealth for its own sake."
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2526: [Part 2] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Creating Money-Saving Systems
22 november 2023 · 10 min
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 2526:
Emily Guy Birken with PTMoney.com details practical steps for organizing life to save money, focusing on laundry systems, organized pantries, and effective paperwork management. By implementing structured habits and daily routines, Birken argues that organization can become second nature, leading to financial savings and reduced stress.
Read along with the original article(s) here: https://ptmoney.com/organize-your-life-save/
Quotes to ponder:
"Having A Laundry System Will Save You In Utilities."
"An Organized Pantry Will Save You Money On Snacks."
"Organizing Your Paperwork Will End Late Fees And The 'What Did I Do With That Insurance Check?' Moments."
Episode references:
Getting Things Done: The Art of Stress-Free Productivity by David Allen: https://www.amazon.com/Getting-Things-Done-Stress-Free-Productivity/dp/0143126563
Asana project management system: https://asana.com
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2525: [Part 1] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Creating Money-Saving Systems
21 november 2023 · 9 min
Emily Guy Birken with PT Money helps you organize your life and save money. This is part 1 of 2.
Episode 2525: [Part 1] 5 Ways to Organize Your Life and Save Money by Emily Guy Birken of PT Money on Creating Money-Saving Systems
PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds.
The original post is located here: https://ptmoney.com/organize-your-life-save/
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2524: How to Be Frugal And Live a Good Life by Tynan on Making Mindful Spending Decisions
20 november 2023 · 9 min
Tynan talks about how to be frugal and live a good life.
Episode 2524: How to Be Frugal And Live a Good Life by Tynan on Making Mindful Spending Decisions
Tynan was named as one of the top 25 best bloggers in 2013 by Time Magazine. He believes in making deliberate decisions and breaking away from the herd mentality. He likes learning new things, building habits, exposing the world, connecting with awesome people, and creating good work. The New York Times Bestseller “The Game” featured him as one of the main characters, as he was one of the most famous pickup artists in the world. In 2008, he sold everything he owned and went on an extended world trip, becoming a fervent minimalist.
Fun facts: he’s a college dropout, was a professional poker player, Courtney Love was his roommate for 9 months, and he once built a swimming pool in his living room.
The original post is located here: https://tynan.com/frugal/
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2523: 5 Major Money Mistakes I've Made And How You Can Avoid Them by Andy Hill of Marriage Kids and Money
19 november 2023 · 11 min
Andy Hill opens up about financial mistakes he's made, and what you can do to avoid them.
Episode 2523: 5 Major Money Mistakes I've Made And How You Can Avoid Them by Andy Hill of Marriage Kids and Money
Andy Hill is a husband and father to two awesome (and crazy) kids and they hail from the great state of Michigan. His goal is to give his family the best life possible and strengthen their family tree for generations to come.
In 2016, he got so geeked about this topic of young family finance that he decided to start a blog and podcast about it. It began as a hobby and then morphed into a fun side hustle when people started to enjoy the information he was sharing. Fast forward to today, he’s left his corporate event marketing career behind and is now a full-time blogger and podcaster who has been featured in major media outlets like CNBC, Kiplinger’s Personal Finance and NBC News
The original post is located here: https://marriagekidsandmoney.com/5-major-money-mistakes-ive-made-and-how-you-can-avoid-them
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2522: How To Teach Your Kids To Be Entrepreneurs by Kalen Bruce of Freedom Sprout on Building Early Business Mindset
19 november 2023 · 11 min
Kalen Bruce of Freedom Sprout offers tips for teaching your kids how to be entrepreneurs.
Episode 2522: How To Teach Your Kids To Be Entrepreneurs by Kalen Bruce of Freedom Sprout on Building Early Business Mindset
Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children.
The original post is located here: https://freedomsprout.com/entrepreneur-kids/
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2521: 3 Practical Tips For Living On A Budget by Courtney Luke of Arrest Your Debt on How to Live Within Your Means
18 november 2023 · 9 min
Courtney Luke tells you 3 practical tips for living on a budget
Episode 2521: 3 Practical Tips For Living On A Budget by Courtney Luke of Arrest Your Debt on How to Live Within Your Means
Arrest Your Debt is a wide-ranging personal finance website, yet focuses on helping first responders and people struggling with debt. The owners, Courtney and Ryan Luke have made it their mission to help people get out of debt and start building wealth on any income.
There are three main areas of focus for Arrest Your Debt:
1. To provide trustworthy personal finance information to first responders.
2. To help first responders take control of their money and get out of debt.
And 3. To provide valuable resources and references to first responders to help them grow their nest eggs and enjoy the retirement they deserve.
Since 2009 when they started their journey toward financial literacy, they’ve been featured on MarketWatch, Forbes, Fox Business, Experian, MSN, Ladders, and USA Today
The original post is located here: https://arrestyourdebt.com/tips-for-living-on-a-budget/
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2520: Trading Time For Money by J.D. Roth of Get Rich Slowly on How Money Affects Your Life
17 november 2023 · 10 min
J.D. Roth of Get Rich Slowly talks about trading time for money
Episode 2520: Trading Time For Money by J.D. Roth of Get Rich Slowly on How Money Affects Your Life
J.D. Roth has been reading and writing about personal finance for a decade. Today he’s financially independent, but ten years ago, his money life was a disaster, with over $35,000 in consumer debt. He started turning everything around in 2004. By being the boss of your own life, you, too, can be the master of your own financial fate.
The original post is located here: https://www.getrichslowly.org/trading-time-for-money/
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2519: When is the Best Time to Start Investing? by Enero Febrero with Len Penzo on Good Financial Decisions
16 november 2023 · 10 min
Enero Febrero with Len Penzo talks about the best time to start investing
Episode 2519: When is the Best Time to Start Investing? by Enero Febrero with Len Penzo on Good Financial Decisions
Len Penzo writes about personal finance and macroeconomics on his eponymous personal finance blog, which has been twice-honored as a Kiplinger Best Money Blog, and honored with two Plutus Awards for Best Personal Finance Blog.
Len’s personal finance articles have been featured in the New York Times, MSN, Business Insider, Money, Time, Forbes, The Huffington Post, Yahoo! Finance, CBS MoneyWatch and Clark Howard, just to name a few.
His focus is on the importance of personal responsibility — not only for our personal finances, but also for everything else we do in life.
The original post is located here: https://lenpenzo.com/blog/id70889-when-is-the-best-time-to-start-investing.html
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2518: I Looked Before I Leapt: How I Spent the Last 4 1/2 Years Getting Ready to Quit My Job and Travel the World by Julie B. Rose
15 november 2023 · 14 min
Julie B. Rose talks about how she got ready to quit her job and travel the world
Episode 2518: I Looked Before I Leapt: How I Spent the Last 4 1/2 Years Getting Ready to Quit My Job and Travel the World by Julie B. Rose
Julie has been solo traveling full-time since selling her house and most of her belongings in 2020. In late 2021, she quit her high-profile corporate remote job in social media to take a career break from traditional full-time employment — to regain her time, mental energy, and creativity — to work on her upcoming memoir and creative pursuits — and fully enjoy her travels and nomadic lifestyle without constraints. An unmarried, child-free woman who refuses to settle, she's passionate about financial freedom, female empowerment, and rebelling against societal expectations to be true to yourself.
The original post is located here: https://juliedevivre.com/2022/02/18/i-looked-before-i-leapt-how-i-spent-the-last-4-years-getting-ready-to-quit-my-job-and-travel-the-world/
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2517: 6 Ways to Pay Off Debt When You Have No Money by Christina Browning of Our Rich Journey
14 november 2023 · 10 min
Christina Browning of Our Rich Journey talks about 6 ways to pay off debt when you have no money
Episode 2517: 6 Ways to Pay Off Debt When You Have No Money by Christina Browning of Our Rich Journey
Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again.
And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired!
If you’re interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you!
Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence.
The original post is located here: https://www.ourrichjourney.com/post/6-ways-to-pay-of-debt-when-you-have-no-money
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2516: How to Stop Living Paycheck to Paycheck and Start Making Progress by Jackie Beck on Getting Your Finances in Order
13 november 2023 · 11 min
Jackie Beck shares how to stop living paycheck to paycheck
Episode 2516: How to Stop Living Paycheck to Paycheck and Start Making Progress by Jackie Beck on Getting Your Finances in Order
Jackie and her husband paid off over $147,000 in debt, including their house! She’s walked the walk to become completely debt free, and she wants to help you do the same with her award-winning Pay Off Debt by Jackie Beck app. Jackie and her app have been featured in Oprah Magazine, MarketWatch, Forbes, CNBC, and more.
The original post is located here: https://www.jackiebeck.com/stop-living-paycheck-to-paycheck/
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2515: Investing, Reduced to Its Core by Paula Pant of Afford Anything on Creating Extra Income Streams
12 november 2023 · 15 min
Paula Pant of Afford Anything breaks investing down to its foundation.
Episode 2515: Investing, Reduced to Its Core by Paula Pant of Afford Anything on Creating Extra Income Streams
Paula Pant is the founder of the award-winning website AffordAnything.com and a writer and speaker specializing in money, business, and real estate investing. She is a real estate investor, as the owner of seven rental property units in metropolitan Atlanta. She holds a real estate license in Georgia. She's also the host of the Afford Anything podcast.
The original post is located here: https://affordanything.com/investing-broken-down-to-its-ridiculously-simple-core/
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2514: 5 Health Tips for Entrepreneurs by Laure Carter on Healthy Life Choices for Busy People
12 november 2023 · 9 min
Laure Carter shares 5 health tips for entrepreneurs.
Episode 2514: 5 Health Tips for Entrepreneurs by Laure Carter on Healthy Life Choices for Busy People
Laure Carter is on a mission to bring the perennial wisdom of Ayurveda to women, especially women of color around the world. Her multi-cultural upbringing in both the US, Paris and Martinique as well as practicing Yoga and meditation at a young age uniquely prepared her for this calling. She helps women shift from a restrictive diet approach to a health and balance approach to weight loss and wellness.
The original post is located here: https://www.laurecarter.com/5-health-tips-for-entrepreneurs/
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2513: How We Began to Slash Our Budget by Amanda Brownlow of Hello Brownlow on How to Lower Your Bills
11 november 2023 · 11 min
Amanda Brownlow of Hello Brownlow shares how she and her husband began to slash their budget
Episode 2513: How We Began to Slash Our Budget by Amanda Brownlow of Hello Brownlow on How to Lower Your Bills
Amanda is passionate about doing things herself. She loves to see how far she can stretch a dollar, minimize her home, and make her budget (and her life) more efficient.
She only writes about budgeting and minimizing tricks that she has tried so that she knows that they work. She is on her journey to financial independence with her Little Guy in tow, and while maintaining a budget that allows her to save almost HALF of her income, she’s still able to go on adventures around the country.
When she’s not running after her one-year-old, she’s writing about and thinking about new ways to make her life more efficient and bring simplicity to everything she does.
The original post is located here: https://hellobrownlow.com/2016/03/20/how-we-began-to-slash-our-budget/
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2512: Can Being Grateful Actually Make You Wealthier? by Kelley Long of Financial Finesse on How Your Attitude Affects Your Wealth
10 november 2023 · 10 min
Kelley Long with Financial Finesse talks about how gratitude can bring you wealth
Episode 2512: Can Being Grateful Actually Make You Wealthier? by Kelley Long of Financial Finesse on How Your Attitude Affects Your Wealth
After years in the financial services industry, Liz Davidson became disgusted with how many people were being sold financial products and services that were not in their best interest. She decided there had to be a better way to provide people from all walks of life with truly unbiased financial guidance--designed to line their pockets, not their financial advisor’s.
This is the story of Financial Finesse and how they give employees and employers unbiased financial wellness as an employee benefit. They help your employees maximize their compensation and benefits by making better financial decisions. You become a partner in their financial security and reap the benefits of a financially healthy workforce.
They’ve helped hundreds of thousands of employees change their lives.
The original post is located here: https://www.financialfinesse.com/2018/11/21/can-being-grateful-actually-make-you-wealthier/
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2511: [Part 2] Frugal Minimalism: Do Less, Buy Less, Worry Less, Live More by Liz of Frugal Woods on How to Live Simply and Save Money
9 november 2023 · 11 min
Liz of Frugalwoods talks about frugal minimalism. This is part 2 of 2.
Episode 2511: [Part 2] Frugal Minimalism: Do Less, Buy Less, Worry Less, Live More by Liz of Frugal Woods on How to Live Simply and Save Money
The Frugalwoods are ex-urban, rookie homesteaders finding contentment (and a lot of chores) on 66 acres in rural central Vermont along with their two young daughters. They write about a wide range of topics, including their experience as parents, their adventures as novice homesteaders, and the financial decisions that made their life possible.
Their philosophy is that managing your money wisely enables you to pursue unusual aspirations and opens up a world of options for how to live your life.
Through the application of frugality–coupled with good incomes and judicious financial management–they have created a life that they love living every single day. It’s not a life beholden to consumerism or the drive for material perfection or the incessant clarion call for more.
The original post is located here: https://www.frugalwoods.com/2017/07/27/frugal-minimalism-do-less-buy-less-worry-less-live-more/
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