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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2540: Budgeting Basics: Income vs. Expenses by Kumiko of The Budget Mom on Helpful Tips For Building a Budget

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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2539: Five Personal Finance Lessons I Learned From A 10 Km Road Race by Helene Massicotte on Saving Money

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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2538: Chronotypes, Sleep, and Productivity by Sara Lindberg with Healthline on Sleeping Types

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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2537: [Part 2] Is Moving Worth it to Achieve Financial Independence? by Craig Stephens of Retire Before Dad

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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2536: [Part 1] Is Moving Worth it to Achieve Financial Independence? by Craig Stephens of Retire Before Dad

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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2535: What are Sinking Funds and are They Smart to Have? by Vicki Cook and Amy Blacklock of Women Who Money

Rose Lounsbury tells us how to spend just $100 on the holidays
Episode 2534: Could You Spend Just $100 on the Holidays? by Rose Lounsbury on Having a Meaningful Holiday Season
Rose Lounsbury is a keynote speaker, Amazon bestselling author, simplicity coach, and still-sane mom of triplets. (Yes, you heard that right!) She helps overwhelmed people create open spaces in their homes, workspaces, and more importantly–their minds–by letting go of the excess stuff that gets in the way. Rose started her own simplicity journey in 2012, after getting fed up with spending all of her free time dealing with my stuff. As she slowly let go of everything that didn’t matter to her, she discovered some amazing things: free time, peace of mind, & clarity. Rose became a simplicity coach to help others do the same thing.
The original post is located here: https://roselounsbury.com/spend-just-100-holidays/
Visit Me Online at OLDPodcast.com 
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2534: Could You Spend Just $100 on the Holidays? by Rose Lounsbury on Having a Meaningful Holiday Season

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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2533: How to Hold an Effective Family Budget Meeting by Chelsea Brennan of Smart Money Mamas on Financial Education for Kids

Kiersten Saunders of Rich and Regular talks about why she isn't relying on the 4% rule
Episode 2532: The 4% Rule and Why We're Not Relying on It by Kiersten Saunders of Rich and Regular on Retirement Strategy
Julien and Kiersten started rich & REGULAR in 2017 after their stint in real estate investing led them to discover the F.I.R.E movement. At that point, they'd listened to their friends complain about doing everything right, and still not really "feeling" happy with the financial progress they'd made. Their blog became a place where they not only shared in their frustrations, but offered solutions to a richer and happier life. They could not have imagined that just a few years later, they would sign a book deal with the world's largest publisher, Penguin Random House. But that's not all. Their blog has afforded them opportunities to work with incredible brands, world-class media and into the fast-paced world of digital entrepreneurship.
The original post is located here: https://richandregular.com/the-4-rule-and-why-were-not-relying-on-it/
 Visit Me Online at OLDPodcast.com 
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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

J. Money of Budgets Are Sexy shares the seven deadly sins of investing. 
Episode 2531: The Seven Deadly Sins of Investing by J Money of Budgets Are Sexy on Investment Strategies
J. Money is a 6’1, hyperactive, rock a ‘hawk who loves drinking beer, blaring hip-hop, talking about money, and now playing with his two adorable baby boys.
He tracked his expenses for 3 months, made a budget, read some books, and stumbled into personal finance blogging and idea sharing, randomly turning BudgetsAreSexy.com into his full time “real job” a few short years later--14 million views later!
The original post is located here: https://www.budgetsaresexy.com/7-deadly-sins-investing/
 Visit Me Online at OLDPodcast.com 
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2531: The Seven Deadly Sins of Investing by J Money of Budgets Are Sexy on Investment Strategies

David Cain of Raptitude reminds us that we need more than effort.
Episode 2530: Effort Alone Isn't Enough by David Cain of Raptitude on Identity Changes
David Cain is a writer and entrepreneur living in Winnipeg, Canada. On a particular boring day at his office job in 2009, he started Raptitude. His interest has always been human society and the internal human experience, and Raptitude became his megaphone for his thoughts about those things. It found an audience rather quickly and it’s been central to his life ever since. In 2013, he left his day job to write full time.
The original post is located here: https://www.raptitude.com/2014/06/effort-alone-isnt-enough/
 Visit Me Online at OLDPodcast.com 
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2530: Effort Alone Isn't Enough by David Cain of Raptitude on Identity Changes

Nick Maggiulli talks about money perspective
Episode 2529: Who Feels Rich Really? by Nick Maggiulli of Of Dollars and Data on Money Perspective
The goal of Of Dollars And Data is to help you make better financial decisions using the best information available. Ultimately, Nick wants you to act smarter and live richer. As a result, this blog will cover ideas such as:
-What to expect from financial markets
-How to think about risk
-How to time investment purchases
-How to find good information and ignore bad information
-How to organize and manage your finances
-The best ways to increase your long-term wealth
And much, much more.
Though the ideas presented on this blog won’t revolutionize finance, they will provide you with a different perspective on money that you can use in your everyday life. Nick is sure of this because of the hundreds of hours of research that went into the more than 300 posts currently published on this blog.
The original post is located here: https://ofdollarsanddata.com/who-feels-rich-really/
 Visit Me Online at OLDPodcast.com 
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2529: Who Feels Rich Really? by Nick Maggiulli of Of Dollars and Data on Money Perspective

Lisa Harrison of Mad Money Monster shares 5 reasons you need to track your net worth to build wealth
Episode 2528: 5 Reasons You Need To Track Your Net Worth To Build Wealth by Lisa Harrison of Mad Money Monster
Lisa is a mother, scientist, and financial enthusiast. She founded Mad Money Monster, a personal finance blog chronicling her and her family’s journey from doing money all wrong to doing it all right.
She and her husband are known as Mr. & Mrs. Mad Money Monster on the site. They pride themselves as being Gen-Xers who have turned it all around and are now charting a course toward financial independence.
The original post is located here: https://madmoneymonster.com/2018/02/01/why-tracking-your-net-worth-is-one-of-the-best-things-you-can-do/
 Visit Me Online at OLDPodcast.com
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2528: 5 Reasons You Need To Track Your Net Worth To Build Wealth by Lisa Harrison of Mad Money Monster

Kathleen Coxwell of NewRetirement talks about how gratitude improves your financial wellness
Episode 2527: How Gratitude Improves Your Financial Wellness (and Health Too): Happy Thanksgiving! by Kathleen Coxwell of New Retirement
NewRetirement is a company that offers a comprehensive financial planning engine delivered via white label or API. NewRetirement delivers a combination of automated financial planning technology and educational services focused on bringing financial wellness to the mass market in customizable ways. They want to help anyone get confident and achieve financial independence so they can make the most of their money and time.
The original post is located here: https://www.newretirement.com/retirement/how-to-be-thankful-practice-gratitude/
 Visit Me Online at OLDPodcast.com 
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2527: How Gratitude Improves Your Financial Wellness (and Health Too): Happy Thanksgiving! by Kathleen Coxwell of New Retirement

Emily Guy Birken with PT Money helps you organize your life and save money. This is part 2 of 2.
Episode 2526: [Part 2] 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/
Visit Me Online at OLDPodcast.com 
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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

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/
Visit Me Online at OLDPodcast.com 
Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily
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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

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/
 Visit Me Online at OLDPodcast.com
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2524: How to Be Frugal And Live a Good Life by Tynan on Making Mindful Spending Decisions

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 
 Visit Me Online at OLDPodcast.com 
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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

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/ 
 Visit Me Online at OLDPodcast.com 
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2522: How To Teach Your Kids To Be Entrepreneurs by Kalen Bruce of Freedom Sprout on Building Early Business Mindset

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/
 Visit Me Online at OLDPodcast.com
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