3472: Is It a Good Time to Refinance Your Mortgage? by Kumiko of The Budget Mom on Debt Management
27/02/2026 | 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 3472:
Kumiko breaks down how to determine whether refinancing your mortgage truly makes financial sense, especially in a low interest rate environment. She walks through the real costs, credit considerations, and break-even calculations you need to evaluate before making a move. If you’re wondering whether lower rates could actually save you money, or cost you more in the long run, this practical guide will help you run the numbers with confidence.
Read along with the original article(s) here: https://www.thebudgetmom.com/is-it-a-good-time-to-refinance-your-mortgage/
Quotes to ponder:
"Before you pick up the phone to call the mortgage lender of your choice, there are several questions you need to ask yourself first."
"Only you can figure out whether it’s a good time to refinance your mortgage. There’s no universal answer, and everyone’s situation is different."
"Before you start loan shopping, take an honest look at your credit." Learn more about your ad choices. Visit megaphone.fm/adchoices
3471: 5 Google Calendar Tricks That Will Help You Save Money by Sarah Von Bargen of Yes and Yes on Budgeting Strategies
26/02/2026 | 8min
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 3471:
Sarah Von Bargen shares a surprisingly simple way to keep more money in your pocket, by using Google Calendar as a proactive financial tool. From canceling free trials to negotiating bills and following up on unpaid income, she shows how small reminders can prevent costly oversights and build your self-advocacy muscle. Tune in to discover practical, low-effort strategies that quietly protect your bank account all year long.
Read along with the original article(s) here: https://www.yesandyes.org/2021/03/google-calendar-tricks-save-money.html
Quotes to ponder:
"It costs a company three times as much to convert a new customer as it does to retain a current one. YOU are in the position of power here, not them."
"Give your brain a break and just schedule these reminders into your calendar."
"When people ask me for money tips, they’re pretty surprised when I tell them that one of my favorite money-saving tools is … Google calendar?" Learn more about your ad choices. Visit megaphone.fm/adchoices
3470: 4 Tips to Fast-Track Wealth by Dawn Dahlby on Accelerated Growth
25/02/2026 | 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 3470:
Dawn Dahlby outlines four powerful strategies to reduce financial stress and build lasting wealth during times of change. By aligning your income, spending, and investments with your personal values, you can create a more stable, fulfilling financial life rooted in clarity and purpose.
Read along with the original article(s) here: https://dawndahlby.com/4-tips-to-fast-track-wellth/
Quotes to ponder:
"Change, in any category of life, removes the three things we so often lean on for security: predictability, reliability, and timing."
"Too often our purchases still leave us wanting more and do not solve the underlying issues."
"Our wealth is only limited by our beliefs and our happiness should never be reliant on our bank account." Learn more about your ad choices. Visit megaphone.fm/adchoices
3469: How Much Car Can You Afford? by Chris of Keep Thrifty on Transportation Costs
24/02/2026 | 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 3469:
Chris urges a shift away from asking how much car you can afford toward questioning what you truly need. By focusing on practicality, avoiding debt, and resisting status-driven spending, you can free up money for what actually matters and take control of your financial future.
Read along with the original article(s) here: https://www.keepthrifty.com/2016/05/08/how-much-car-can-you-afford.html
Quotes to ponder:
“One of the most crucial money lessons is to mind the gap, in other words the distance between your income and your expenses.”
“You won’t feel so great about that low sticker price if you end up paying tons in maintenance costs and repairs.”
“Your self-worth isn’t determined by what you drive.” Learn more about your ad choices. Visit megaphone.fm/adchoices
3468: What’s Keeping You From Financial Freedom? by Dr. Peter Kim with Physician on Fire on Limiting Beliefs
23/02/2026 | 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 3468:
Dr. Peter Kim explores the hidden barriers that keep even high earners from reaching financial freedom, highlighting mindset, debt, lifestyle inflation, and fear as the biggest culprits. His insights offer a practical framework for turning income into lasting independence by shifting habits and beliefs.
Read along with the original article(s) here: https://www.physicianonfire.com/keeping-you-from-financial-freedom/
Quotes to ponder:
"Life has no limitations, except the ones you make."
“Debt that helps you create more income or wealth is good debt, but bad debt is the kind that continually eats away at your net worth and ability to create wealth.”
"If we can see past preconceived limitations, then the possibilities are endless."
Episode references:
Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service Learn more about your ad choices. Visit megaphone.fm/adchoices
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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