Épisodes

  • 3212: You Won’t Lose All Your Money Investing (If You Take This Advice) by Robert Farrington of The College Investor

    3212: You Won’t Lose All Your Money Investing (If You Take This Advice) by Robert Farrington of The College Investor
    Jul 14 2025
    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 3212: Robert Farrington tackles the widespread fear of losing everything in the stock market and explains why that scenario is incredibly rare with the right approach. Backed by historical data and practical strategies like diversification, emergency savings, and knowing your investment timeline, this post empowers hesitant investors to start building wealth with confidence. Read along with the original article(s) here: https://thecollegeinvestor.com/16569/you-wont-lose-all-your-money-investing-if-you-take-this-advice/ Quotes to ponder: "My biggest fear right now that is holding me back from investing is the possibility of losing the little money that I have." "The point is, you have to be completely amiss to lose all your money investing." "If the stock market does crash and you lose 50% of your portfolio, your 6 month emergency fund just became a 3 month emergency fund." Learn more about your ad choices. Visit megaphone.fm/adchoices
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    12 min
  • 3211: Stranger In A Strange Land by Jacob Lund Fisker on Embracing Frugality Early to Gain Financial Freedom

    3211: Stranger In A Strange Land by Jacob Lund Fisker on Embracing Frugality Early to Gain Financial Freedom
    Jul 13 2025
    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 3211: Jacob Lund Fisker dismantles the traditional life script of debt-fueled consumption and lifelong employment, exposing how it traps individuals in a cycle of dependency. He proposes a radically different path, front-loading effort, and embracing frugality early, to gain the freedom and flexibility to explore life on your own terms. Read along with the original article(s) here: http://earlyretirementextreme.com/stranger-in-a-strange-land.html Quotes to ponder: "If you have debt, you are not a free person. You are explicitly owned by your debt and implicitly owned by the creditor." "Your twenties is a good time to make sacrifices. Most likely, this will be the healthiest time of your life." "Now is the time to explore things that are meaningful to you. Travel. Work in another country. Try a different career." Learn more about your ad choices. Visit megaphone.fm/adchoices
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    12 min
  • 3210: Self-Discovery Is a Kind of Self-Respect by Vironika Tugaleva on Unconditional Self-Acceptance and Personal Growth

    3210: Self-Discovery Is a Kind of Self-Respect by Vironika Tugaleva on Unconditional Self-Acceptance and Personal Growth
    Jul 13 2025
    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 3210: Vironika Tugaleva offers a transformative perspective on the relationship between self-discovery and self-respect, urging readers to embrace their whole selves, including the parts they’ve hidden or judged. Her reflections challenge the idea that self-improvement starts with shame, proposing instead that true change begins with unconditional self-acceptance. Read along with the original article(s) here: https://www.vironika.org/self-discovery-self-respect/ Quotes to ponder: "Self-respect isn’t something you earn by becoming a better person. It’s something you discover when you realize you were worthy all along." "To reject who you are is to reject your own humanity." "You can’t hate yourself into change. You can’t reject yourself into growth. That’s not how it works." Episode references: The Untethered Soul: https://www.amazon.com/Untethered-Soul-Journey-Beyond-Yourself/dp/1572245379 The Mastery of Love: https://www.amazon.com/Mastery-Love-Practical-Relationship-Toltec/dp/1878424424 The Gifts of Imperfection: https://www.amazon.com/Gifts-Imperfection-Think-Supposed-Embrace/dp/159285849X Learn more about your ad choices. Visit megaphone.fm/adchoices
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    11 min
  • 3209: 4 Red Flags To Watch Out For Before Buying An Annuity by Tania Brown on Protecting Retirement Money

    3209: 4 Red Flags To Watch Out For Before Buying An Annuity by Tania Brown on Protecting Retirement Money
    Jul 12 2025
    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 3209: Tania Brown breaks down four major warning signs that can signal an annuity might not be in your best interest, from high-pressure sales tactics to advisors downplaying the risks. This eye-opening piece empowers listeners to better protect their retirement money and make more informed decisions when navigating complex annuity options. Read along with the original article(s) here: https://www.financialfinesse.com/2019/01/25/4-red-flags-to-watch-out-for-before-buying-an-annuity/ Quotes to ponder: "Once you sign, no matter what you thought you were getting, you are pretty much stuck with the annuity." "There is an inherent trust people have in anyone presenting himself or herself as a financial professional." "No matter how good an investment is, there are always risks." Episode references: State Insurance Department Directory: https://content.naic.org/state-insurance-departments Broker Check: https://brokercheck.finra.org Learn more about your ad choices. Visit megaphone.fm/adchoices
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    13 min
  • 3208: What If I Don’t Go Back To Work by Craig Stephens of Retire Before Dad on Financial Responsibility and Freedom

    3208: What If I Don’t Go Back To Work by Craig Stephens of Retire Before Dad on Financial Responsibility and Freedom
    Jul 11 2025
    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 3208: Craig Stephens reflects on the tension between staying self-employed and returning to full-time work, balancing financial responsibility with the desire for autonomy. His honest exploration of fears, healthcare costs, shrinking savings, and the limits of side income contrasts with the freedom and fulfillment he’s found in family time and entrepreneurial efforts. His story offers clarity and comfort to anyone questioning the traditional 9-to-5 path. Read along with the original article(s) here: https://www.retirebeforedad.com/dont-go-back-to-work/ Quotes to ponder: "I'm home every day. I make breakfast for the kids and take them to school. I go to the gym when I feel like it." "Going back to full-time work, in a way, says that I can’t make enough money as an entrepreneur." "But the most painful aspect of full-time work is the loss of control of my time." Learn more about your ad choices. Visit megaphone.fm/adchoices
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    14 min
  • 3207: Moderate and Selective Frugality by ESI on Intentional Spending and A Balanced Lifestyle

    3207: Moderate and Selective Frugality by ESI on Intentional Spending and A Balanced Lifestyle
    Jul 10 2025
    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 3207: ESI explores the idea of “moderate and selective frugality,” contrasting it with the extreme frugality of the Amish as described in Money Secrets of the Amish. He emphasizes seeking value over the lowest price, spending intentionally on what brings joy, and balancing frugality with a focus on growing income. This thoughtful approach encourages financial freedom while still enjoying life’s pleasures. Read along with the original article(s) here: https://esimoney.com/moderate-and-selective-frugality/ Quotes to ponder: "Use it up, wear it out, make do or do without." "Moderate means that I like to be frugal to a point, but I won’t go so far as to buy something cheap simply because it’s the best price." "Feeling gratitude for our ability to pay for things vs being bitter over money spent is a great sign that we are evolving in our relationship with money." Learn more about your ad choices. Visit megaphone.fm/adchoices
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    10 min
  • 3206: 6 Types of Credit Cards You Need to Avoid by Kumiko of The Budget Mom on Financial Security

    3206: 6 Types of Credit Cards You Need to Avoid by Kumiko of The Budget Mom on Financial Security
    Jul 9 2025
    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 3206: Many credit cards promise rewards and flexibility, but as Kumiko warns, certain types can trap you in debt and threaten your financial security. From deferred interest schemes to credit cards secured by your home or bank account, these offers often prey on vulnerable consumers. Learn how to spot these dangers and protect your financial future. Read along with the original article(s) here: https://www.thebudgetmom.com/types-of-credit-cards-you-need-to-avoid/ Quotes to ponder: "If you think there is even a slight chance you can't pay off the entire balance by the end of the promotional period, you need to avoid a deferred interest credit card." "Home secured credit cards are always a bad idea. The potential consequence of not making payments is the loss of your family's shelter, which is a necessity." Episode references: Debt.org on predatory lending: https://www.debt.org/credit/predatory-lending/ Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices
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    11 min
  • 3205: Will Credit Inquiries Hurt Your Credit Score by Miranda Marquit with Good Financial Cents

    3205: Will Credit Inquiries Hurt Your Credit Score by Miranda Marquit with Good Financial Cents
    Jul 8 2025
    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 3205: Your credit score plays a crucial role in securing loans, housing, and favorable interest rates, but not all credit inquiries affect it the same way. Miranda Marquit explains the difference between harmless soft inquiries and the minor impact of hard inquiries, offering practical tips to protect your score while shopping for the best financial deals. Learn how understanding these distinctions can help you make smarter credit decisions without unnecessary stress. Read along with the original article(s) here:⁠ https://www.goodfinancialcents.com/will-credit-inquiries-hurt-your-credit-score/ Quotes to ponder: “Only the hard inquiry is damaging to your credit score.” “For the most part, if you are responsible with your money and credit decisions, make payments on time, and avoid applying for a great deal of debt, credit inquiries are unlikely to have a large impact on your credit score.” “Don’t let a credit pull keep you from shopping around for lower rates.” Learn more about your ad choices. Visit megaphone.fm/adchoices
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    11 min