3360: How to Build a Starter Emergency Fund in 30 Days or Less by Jackie Beck on Financial Security
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 3360:
Jackie Beck offers a simple, empowering 30-day plan to kickstart your emergency savings, breaking down a goal that often feels overwhelming into small, daily steps. With a focus on creating realistic habits and tracking actual spending, she shows how anyone can begin to build financial security, even on a tight budget.
Read along with the original article(s) here: https://www.jackiebeck.com/how-to-build-a-starter-emergency-fund-in-30-days-or-less/
Quotes to ponder:
"Any amount is more than you had before. It’s something that will insulate you from an emergency that much more than nothing."
"Save FIRST and always instead, and then you’ll have it done."
"Make saving for emergencies a habit, and keep at it until you reach whatever larger goal feels comfortable to you."
Episode references:
Capital One 360 Savings Account: https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/
Bankrate Emergency Savings Survey: https://www.bankrate.com/banking/savings/emergency-savings-report/
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10:05
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10:05
3359: 9 Painless Ways To Trick Yourself Into Spending Less by Sarah Von Bargen of Yes and Yes on Money-Saving Habits
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 3359:
Sarah Von Bargen shares simple yet surprisingly effective ways to curb spending without feeling deprived. By adding small layers of friction, like unsubscribing from sales emails or using cash-only budgets, you can outsmart impulse buys and reclaim control over your money with minimal effort.
Read along with the original article(s) here: https://www.yesandyes.org/2018/12/spending-less-tricks.html
Quotes to ponder:
"If we can’t be bothered to stand up and go get our credit cards, we probably didn’t really want the item that much to begin with."
"Multiple studies have shown that people who shop hungry spend 60-70% more (!!!) than their non-hungry peers."
"One of the best things I’ve ever done for my mental health was unfollow accounts that made me feel less-than and fill my feed with people who are in my size, age, and tax bracket."
Episode references:
Block Site for Chrome: https://chrome.google.com/webstore/detail/block-
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9:40
3358: What is Your Retirement Manifesto? by Kathleen Coxwell of New Retirement on Retirement Planning
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 3358:
Kathleen Coxwell invites you to craft a deeply personal retirement manifesto, a clear, intentional declaration of your values, dreams, and life lessons. By articulating what matters most and how you want to spend your time, you'll find greater purpose, fulfillment, and direction in the next chapter of your life.
Read along with the original article(s) here: https://www.newretirement.com/retirement/what-is-your-retirement-manifesto/
Quotes to ponder:
"This is your time to be defined by you."
"Writing a manifesto can be a great way of thinking about what you want out of your life and a way of holding yourself accountable for being who you want to be."
"You will want to use positive statements, say what you want (not what you don’t want)."
Episode references:
EconoMe Conference: https://www.economeconference.com/
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10:35
3357: Don't Let Shopping Ruin Your Holiday Season by Joshua Becker of Becoming Minimalist on Stress-Free Holidays
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 3357:
Joshua Becker reveals how decades of marketing have hijacked the spirit of the holidays, turning a season meant for connection into one dominated by consumerism and stress. He offers a compelling case for simplifying gift-giving, focusing instead on meaningful traditions that bring real joy and lasting memories.
Read along with the original article(s) here: https://www.becomingminimalist.com/dont-let-shopping-ruin-your-holidays/
Quotes to ponder:
"Retail promises the perfect Christmas, but ruins it instead."
"Shopping is resulting in the exact opposite emotions we desire during this holiday season."
"Lifestyle creep is not just for adults… the phenomena exists for children as well."
Episode references:
The Hope Effect: https://www.hopeeffect.com/givingtuesday2021
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11:14
3356: Negotiate Your Next Raise or Starting Salary by Laurie Sepulveda of Women Who Money on Salary Negotiation
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 3356:
Laurie Sepulveda breaks down why many women struggle with salary negotiations and outlines how to shift from self-doubt to confidence through research, practice, and strategic silence. By understanding your market value, leveraging your accomplishments, and getting comfortable with making counter-offers, you can start earning what you're truly worth.
Read along with the original article(s) here: https://womenwhomoney.com/negotiate-next-raise/
Quotes to ponder:
"Unless we're armed with knowledge [meaning cold, hard money facts], we don't have the upper hand in negotiating."
"Silence can be a very powerful negotiation tool, mainly because it allows you to react in a way that eliminates much of the emotion from the conversation."
"One of the most potent ways to increase the amount you’re offered is to simply make a counter-offer when you’re presented with the first salary number."
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About 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.
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