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Resumen del Editor

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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Episodios
  • 3373: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto

    3373: [Part 1] Rethinking the 4 Percent Safe Withdrawal Rule by Fritz Gilbert of The Retirement Manifesto
    Dec 2 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 3373: Fritz Gilbert challenges the conventional 4% safe withdrawal rule, arguing that its simplicity may be dangerously outdated given today’s market conditions. He outlines key concerns about relying on historical data, inflated equity valuations, and rising interest rates, and hints at three practical adjustments he personally uses to reduce risk in retirement spending. Read along with the original article(s) here: https://www.theretirementmanifesto.com/rethinking-the-4-safe-withdrawal-rule/ Quotes to ponder: "Bond prices are inversely related to interest rates, so as rates go up, bond prices go down." "Assuming a minimum requirement of 30 years of portfolio longevity, a first-year withdrawal of 4 percent, followed by inflation-adjusted withdrawals in subsequent years, should be safe." "If you’re holding 60% stocks and 40% bonds, it’s possible that you could see decreases in both asset classes." Episode references: GMO Forecast via Wealth of Common Sense: https://awealthofcommonsense.com/2021/10/the-worst-stock-and-bond-returns-ever/ Learn more about your ad choices. Visit megaphone.fm/adchoices
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    10 m
  • 3372: Want to Retire Early Abroad? Do These 10 Things First by Christina Browning of Our Rich Journey

    3372: Want to Retire Early Abroad? Do These 10 Things First by Christina Browning of Our Rich Journey
    Dec 1 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 3372: Christina Browning shares ten crucial steps to ensure a successful early retirement abroad, drawing from her personal experience relocating to Portugal. From navigating foreign healthcare systems to stress-testing your lifestyle across seasons, these actionable tips help you avoid common pitfalls and set the stage for a seamless transition to life overseas. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-abroad-do-these-10-things-first Quotes to ponder: "Using the medical and dental system in your chosen country is an absolute must before moving!" "Meeting with other ex-pats in the country of your choice will teach you something immensely valuable, not necessarily how much they love the country, but more so the struggles that they’ve faced while living there." "Hobbies are a significant part of life for a lot of people, so it’s important to think about this before you make the move." Learn more about your ad choices. Visit megaphone.fm/adchoices
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    11 m
  • 3371: When, Why and How We Give by Julien Saunders of Rich and Regular on Giving With Intention

    3371: When, Why and How We Give by Julien Saunders of Rich and Regular on Giving With Intention
    Nov 30 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 3371: Julien Saunders shares a heartfelt exploration of how giving, whether through financial support, gifts, or time, aligns with their values and fuels their pursuit of financial independence. By embracing a flexible, impact-driven approach to generosity, the Saunders family demonstrates how giving can become both a personal responsibility and a tool for meaningful change. Read along with the original article(s) here: https://richandregular.com/when-why-and-how-we-give/ Quotes to ponder: "Giving isn’t a competition and it’s ok to simply give what you want, when you want to." "Sales are signs of life and hope for them." "We view our investment strategy as an act of radical self-responsibility." Episode references: NPR (National Public Radio): https://www.npr.org/ PBS (Public Broadcasting Service): https://www.pbs.org/ The Power of Giving: https://www.amazon.com/Power-Giving-Creating-Abundance-Yourself/dp/1585427519 Learn more about your ad choices. Visit megaphone.fm/adchoices
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    11 m
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