PodcastsNegóciosOptimal Finance Daily - Financial Independence and Money Advice

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Living Daily | Diania Merriam
Optimal Finance Daily - Financial Independence and Money Advice
Último episódio

3466 episódios

  • Optimal Finance Daily - Financial Independence and Money Advice

    3464: Your Credit Score is Not Important (And It Also Is) by Christine Luken on Risk Evaluation

    20/2/2026 | 9min
    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 3464:

    Christine Luken debunks the myth that your credit score is either completely useless or the ultimate financial goal. Instead, she reveals how a balanced understanding of credit can protect your financial reputation without distracting you from what truly matters, building real wealth and long-term stability.

    Read along with the original article(s) here: https://www.christineluken.com/your-credit-score-is-not-important-and-it-also-is/

    Quotes to ponder:

    "Demonizing debt can cause people to feel guilt and shame over what is essentially a business transaction."

    "Credit cards provide a higher level of protection than debit cards because most have a zero liability for fraud."

    "Your credit report and credit score can affect your insurance rates, your ability to rent an apartment, and your employability in certain jobs."
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  • Optimal Finance Daily - Financial Independence and Money Advice

    3463: [Part 2] Protecting Your Assets in a Digital World by Darrow Kirkpatrick of Can I Retire Yet on Data Safety

    19/2/2026 | 9min
    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 3463:

    Darrow Kirkpatrick explores the hidden risks of managing wealth in a digital age, from rare system failures to physical disasters that could wipe out essential documents. He offers clear, actionable strategies to keep your finances resilient like diversifying accounts, securing digital backups, and protecting vital records at home and in the cloud.

    Read along with the original article(s) here: https://www.caniretireyet.com/protecting-your-assets-in-a-digital-world/

    Quotes to ponder:

    "The simplest way to protect yourself against computer glitches may be to diversify your assets around at multiple institutions."

    "The most reliable way to protect your important documents these days is to convert as many of them as possible to electronic form and save them in the cloud."

    "If you’ve worked hard in life it only makes sense to take some reasonable measures to protect what you’ve achieved."

    Episode references:

    Sentry Safes: https://www.sentrysafe.com

    Dropbox: https://www.dropbox.com
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  • Optimal Finance Daily - Financial Independence and Money Advice

    3462: [Part 1] Protecting Your Assets in a Digital World by Darrow Kirkpatrick of Can I Retire Yet on Data Safety

    18/2/2026 | 10min
    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 3462:

    Darrow Kirkpatrick explores the hidden risks that come with building wealth in the digital age and offers smart, low-cost strategies to protect your financial life. From identity theft to hacking, he shows how simple actions, like freezing your credit and strengthening your passwords, can provide lasting peace of mind.

    Read along with the original article(s) here: https://www.caniretireyet.com/protecting-your-assets-in-a-digital-world/

    Quotes to ponder:

    "Along with increasing financial assets come inevitable concerns about protecting what you have."

    "Every piece of paper that you discard is at risk, so every modern home probably needs a serviceable paper shredder."

    "Today’s hacking tools are so sophisticated that it can be child’s play to break into an account that is protected by any but the strongest passwords."

    Episode references:

    Roboform: https://www.roboform.com/

    Equifax Credit Freeze: https://www.equifax.com/personal/credit-report-services/credit-freeze/

    TransUnion Credit Freeze: https://www.transunion.com/credit-freeze
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • Optimal Finance Daily - Financial Independence and Money Advice

    3461: How To Save Money On Your Home Insurance by Courtney Luke of Arrest Your Debt on Cost Reduction

    17/2/2026 | 11min
    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 3461:

    Courtney Luke outlines practical, often overlooked strategies to reduce your home insurance costs without sacrificing essential coverage. By comparing rates, maximizing discounts, and maintaining a strong credit score, you'll gain financial control and confidently protect your home with smarter decisions.

    Read along with the original article(s) here: https://arrestyourdebt.com/save-money-on-home-insurance/

    Quotes to ponder:

    "Obtain multiple quotes from different providers to ensure you get the best rates and coverage for your home insurance."

    "Increasing your deductible can reduce the cost of your home insurance premiums."

    "Review your policy and declaration page regularly and adjust as needed to ensure you’re not overpaying for coverage."
    Learn more about your ad choices. Visit megaphone.fm/adchoices
  • Optimal Finance Daily - Financial Independence and Money Advice

    3460: Six Percent is the New Four Percent by Paula Pant of Afford Anything on Real Estate Cash Flow

    16/2/2026 | 10min
    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 3460:

    Paula Pant breaks down why rental properties may offer a better retirement cash flow strategy than index funds, even when both generate the same total returns. With rental income biased toward consistent cash flow and less risk of tapping principal, a 6 percent withdrawal rate becomes a realistic, sustainable alternative to the traditional 4 percent rule.

    Read along with the original article(s) here: https://affordanything.com/six-percent-is-the-new-four-percent/

    Quotes to ponder:

    "If you’re retiring on index funds, you might plan your retirement on the 4 percent withdrawal rule. But if you’re retiring on rental properties, you could use the equivalent to a 6 percent withdrawal rule."

    "That’s why rentals are a great store of wealth; they’re a lower-risk and higher-cash-flow form of wealth preservation than equities."
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Sobre Optimal Finance Daily - Financial Independence and Money Advice

Optimal Finance Daily, hosted by Diania Merriam, the innovative mind behind the personal finance conference EconoMe, takes you on an enlightening journey through the world of personal finance. Each episode brings to life the most compelling and practical advice from leading financial bloggers and experts. Diania’s engaging narration and insightful commentary transform complex financial concepts into relatable, actionable insights. Whether it’s budgeting, investing, debt management, or money mindfulness, she covers it all, making financial wisdom accessible to everyone. Gain not just knowledge, but also the motivation to apply it in your daily life. It's not just a source of personal finance tips; it’s a daily companion that guides you towards financial independence and savvy money management, all delivered with Diania's trademark enthusiasm and expertise. By focusing on early retirement, financial independence, and saving money, each episode provides you with the tools needed to achieve your financial goals. This podcast is designed for those passionate about personal finance, early retirement, financial independence, and saving money. It’s your go-to source for practical advice on managing your finances, saving money, and working towards early retirement. Each episode offers actionable steps to foster financial independence and secure your financial future. Listen now, and become an OLD friend--your optimal life awaits...
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