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Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3736: J.D. Roth explains why "retirement" means different things to different people, walking through early retirement, semi-retirement, and the mini-retirements Tim Ferriss describes. He argues that the word carries too much baggage and makes the case for talking about financial independence instead, a continuum where every dollar saved buys a little more freedom. It is a clear-eyed look at what you are actually saving money for, and what you might do once you get there. Read along with the original article(s) here: https://www.getrichslowly.org/retirement-vs-financial-independence/ Quotes to ponder: "There are clearly different degrees of financial freedom, so it's possible to talk about progress along a sort of FI continuum." "In the end, it doesn't matter how you label your lifestyle. Whether you're retired or not, all that matters is making sure your work and spending match your personal mission statement." "To my mind, retirement comes in a variety of shapes and sizes." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Introducing What If Your Greatest Adversity Has a Purpose? from The Oprah Podcast. Follow the show: The Oprah Podcast BUY THE BOOK! Ahead of All Parting by Barry Michels ⁠https://amzn.to/3TTMT8B⁠ Psychotherapist and bestselling co-author of The Tools, Barry Michels, joins the podcast to discuss his extraordinary new memoir, Ahead of All Parting. This is a conversation for anyone searching for meaning in life’s most difficult moments and seeking to discover how transformation is possible in the face of extreme adversity. Barry has been diagnosed with a terminal brain disease, Lewy body dementia. Despite the inevitable pain and grief that come with a devastating health diagnosis, he now sees it as the path he was meant to walk—a path that has opened him up in ways he never thought possible, revealing the power of vulnerability, love, prayer and the written word. Drew Barrymore, one of Barry’s longtime clients, also joins the conversation to share the life-changing impact he’s had on her life. 00:00:00 - Intro 00:02:14 - Welcome Barry Michels, author of Ahead of All Parting 00:06:35 - Barry speaks on Lewy Body dementia 00:09:20 - Grief after hearing a diagnosis 00:12:18 - When did Barry notice something was off 00:14:14 - Getting a diagnosis 00:16:15 - Adversity has a purpose 00:19:45 - Not hiding after a diagnosis 00:20:25 - Welcome Drew Barrymore 00:23:00 - Drew Barrymore on going through challenges 00:25:50 - Drew Barrymore on watching Barry navigate his illness 00:27:20 - How the diagnosis changed Barry as a therapist 00:28:30 - Appreciating life 00:29:50 - Feeling guilt with a diagnosis 00:38:22: Welcome Alex, who was diagnosed with kidney failure 00:43:22 - Religion during a diagnosis 00:49:20 - Barry Michels on writing 00:54:00 - Barry Michels on seeing his mortality Follow Oprah Winfrey on Social: ⁠https://www.instagram.com/oprahpodcast/ ⁠⁠https://www.facebook.com/oprahpodcast/⁠⁠https://www.instagram.com/oprah/?hl=en⁠⁠https://www.facebook.com/oprahwinfrey/⁠ Listen to the full podcast: ⁠https://open.spotify.com/show/0tEVrfNp92a7lbjDe6GMLI⁠⁠https://podcasts.apple.com/us/podcast/the-oprah-podcast/id1782960381 DISCLAIMER: Please note, this is an independent podcast episode not affiliated with, endorsed by, or produced in conjunction with the host podcast feed or any of its media entities. The views and opinions expressed in this episode are solely those of the creators and guests. For any concerns, please reach out to [email protected].

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3735: The Mad Fientist shares how telling his bosses he was leaving repeatedly led to offers to keep working remotely, often at significantly higher pay. He explains how having enough savings to not need a job gives you the courage to quit, and how that leverage can speed up your path to financial independence by helping you negotiate better terms or find a better role. Read along with the original article(s) here: https://www.madfientist.com/power-of-quitting/ Quotes to ponder: "I realize remote working may not be an option for all of you but the important thing to take away from this story is that having the courage to quit provides opportunities you may not even know exist." "The best way to get that courage is to have enough money saved up to not need the job (even if only for a few months/years)." "There's no risk in applying for a new job every once in a while and only good things can come from it." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3734: Mr. Money Mustache continues with a practical plan for making space in your life before tackling bigger money changes. He covers saying no to optional plans, pausing non-essential purchases, decluttering and canceling, and putting new free time into exercise and meditation, then explains how that extra time and energy makes it easier to cut major expenses and build wealth. Read along with the original article(s) here: https://www.mrmoneymustache.com/2016/07/13/making-space-for-badassity/ Quotes to ponder: "If you follow these steps, within a week or two you will have roughly doubled your free time and energy, which gives you the power to start really making the more difficult changes." "The most efficient thing you can ever do with your time, is to make yourself a better person." "Note the new breathing space that opens up in your mind, and even your lungs." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3733: Mr. Money Mustache explains why so many people accept the basic math of saving money but still struggle to act on it: their lives are already too full to make major changes. In this first part, he shares his family's secret frugality weapon, scheduling far less into life, and how keeping free time and a safety margin makes building wealth and reaching early retirement far easier. Read along with the original article(s) here: https://www.mrmoneymustache.com/2016/07/13/making-space-for-badassity/ Quotes to ponder: "When your life is already overfilled, it is very difficult to gain the power to make the major, positive changes you need to actually get somewhere." "In other words, if you want to create more wealth and happiness in your life, you might need to clear some space for it first." "While others might imagine we're missing out on life by not stacking it up with more activities, I feel we're allowing ourselves just the right amount of space to actually live it." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3732: Ramit Sethi explains why checking your stocks every day is a recipe for anxiety and poor money management, and why most market news and pundit stock picks are noise rather than signal. He walks through the context worth weighing when a stock drops, then makes the case for a simpler approach to investing: a low-cost, diversified index fund and an automated system that keeps you investing consistently. Read along with the original article(s) here: https://www.iwillteachyoutoberich.com/dont-check-your-stocks-every-day/ Quotes to ponder: "Sweating out the slightest variation of your stocks daily is a recipe for an anxiety attack AND poor financial management." "I only check my stocks once or twice a month to make sure the automation is working." "For financial security, it's more important than anything else to start early." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3731: Leo Babauta argues that most budget advice targets lattes and small indulgences when the real opportunity sits in the largest line items. He lists eight big moves that can free up thousands rather than dollars, including moving to a smaller home, selling a second car, downgrading to a used one, and stopping interest payments altogether. His premise is that saving money on this scale depends less on discipline than on finding contentment while living with less. Read along with the original article(s) here: https://zenhabits.net/8-ways-to-make-huge-savings-in-your-budget/ Quotes to ponder: "For many people, housing is the biggest expense in their budget." "The key is to stop getting into new debt, and to pay off your old debt as quickly as possible." "Learn that you don't need to spend money to have fun!" Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3730: Kalen Bruce explains why every kid benefits from an entrepreneurial mindset, even the ones headed for medical school or a trade, and why parents should give them a safe place to fail rather than real business debt. He breaks down the ways businesses actually make money, from products and services to subscriptions, memberships and advertising, then walks through a five-step plan for helping a child start a business on their own level. The lessons underneath it are work ethic, delegation and money management that carries into adulthood. Read along with the original article(s) here: https://freedomsprout.com/entrepreneur-kids/ Quotes to ponder: "But an entrepreneurial mindset is helpful for everyone." "Entrepreneurship teaches kids how money is generated in many ways and how to make it exponential." "Becoming an entrepreneur isn't just about starting your own business, it's about a mindset." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3729: Joshua Becker explains that while owning less brings real benefits, wanting less brings even more, and that breaking free from consumerism is a daily practice rather than a one-time decision. He walks through eleven steps, including adopting a traveler's mentality, comparing down instead of up, and counting the full cost of a purchase beyond its sticker price. What he describes on the other side is contentment and better money management, not deprivation. Read along with the original article(s) here: https://www.becomingminimalist.com/consumer-isnt/ Quotes to ponder: "Our world will lead you to believe your greatest contribution to society is the money that you spend." "An important step to overcome consumerism is to embrace the reality that there is more life to be found in owning less than can be found in owning more." "Remember, generosity always leads to contentment with far greater efficiency than contentment leads to generosity." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3728: Jen Hayes explains why knowing what to do with your money so often fails to change what you actually do with it. Drawing on Brooke Castillo's thoughts, feelings, actions, results model, she argues that habits like overspending are attempts to dull an unpleasant emotion, so a spending ban built on resentment tends to collapse. Her fix works on the money mindset underneath the behavior: change the thought driving the feeling, or learn to name and sit with the emotion instead of spending your way around it. Read along with the original article(s) here: https://jenhayes.me/the-real-reason-why-you-cant-break-your-bad-money-habits/ Quotes to ponder: "When we aren't intentional with our finances, we do what's familiar." "When we try to break these bad habits without understanding why we do them in the first place, we fail." "When you allow yourself to truly feel an emotion, instead of resisting it or avoiding it, you will probably find that the emotion isn't that bad and it will pass." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3727: J. Money breaks down a short note from a reader named Mark, who reached millionaire status after four decades of investing in mutual funds while never earning more than $70,000 a year. He pulls out eleven lessons from it, among them investing for decades rather than years, paying cash, staying debt free, giving yourself a weekly allowance, and refusing to let spending rise with income. The through line is that building wealth rarely looks exciting, and that saving money steadily over a long stretch beats anything clever. Read along with the original article(s) here: http://www.budgetsaresexy.com/tips-from-my-millionaire-friend/ Quotes to ponder: "Do the best you can with what you've got, and then up it every time you get a bonus or raise or any other types of promotions." "He just kept his expenses in check, funneled away as much as he could over the years, and then let the magic that is compounding do the rest." "Because remember: the less you need to live on, the less you need to retire!" Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3726: Michael Smith shares how a long search for an affordable sailboat turned into a lesson in intentional spending. He set a hard maximum price, scored every candidate against what he actually wanted, and added up slip fees, insurance and repairs before comparing any two boats on price alone. His takeaway is that patience and a written list of deal breakers protect your money management far better than willpower does in the moment. Read along with the original article(s) here: https://www.financialfinesse.com/2017/11/10/how-to-find-a-bargain-when-making-a-big-purchase/ Quotes to ponder: "When you are planning a major purchase, whether it's a car, boat, household appliance, house, etc., the best way to go about getting the most value for your hard-earned dollars is to have a plan and have a strategy." "Patience was required because I looked at over a dozen boats in person, and hundreds online and only found 2 that were acceptable given my goals." "Emotions can sometimes be the enemy of good decision making." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3725: Phil Town explains why the popular idea of market timing, selling just before a crash, is impossible even for the most informed investors, and why the useful version is timing your buying instead. He points to Warren Buffett, who waits out downturns and then picks up established companies with a moat at discount prices rather than betting on the direction of the market as a whole. Town closes with the case for selling, arguing that stock market investing works best when you judge the value of an individual company rather than the mood of the market. Read along with the original article(s) here: https://www.ruleoneinvesting.com/blog/investing-news-and-tips/market-timing/ Quotes to ponder: "Instead of trying to time the market by selling before a crash, it's much more beneficial to time the market by buying after one." "Like most great investors, Warren Buffett times the market by buying after a crash rather than trying to sell before one." "No one can predict with certainty the future of the market, but with the right investment know-how, you can predict the future of an individual company, allowing you to know when it's time to sell." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3724: Darrow Kirkpatrick explains why most retirement models rest on a flawed assumption: that you will withdraw the same amount every single year. He lays out three reasons real withdrawals fluctuate, from delayed Social Security to shifting market valuations to household expenses that drop sharply after age 55. His case is for flexible retirement planning and honest safety factors rather than one cookie-cutter number. Read along with the original article(s) here: https://www.caniretireyet.com/constant-retirement-withdrawals-realistic-or-not/ Quotes to ponder: "Most retirement analyses assume you'll withdraw the same amount from your nest egg every year." "Common sense and personal experience indicate that most individuals will adjust their spending based on the perceived size and health of their nest egg, which is likely to fluctuate over a decades-long retirement." "Avoid a cookie-cutter approach: implement a flexible lifestyle, shun debt and large fixed expenses, add in some part-time work if possible." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join 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 3723: Mr. 1500 explains how sixteen years of flipping houses carried him to financial independence, and what the pace cost him along the way. He recounts eighty-hour weeks, a second story framed in the rain, and the parts of his kids' childhoods he worked straight through. His warning is not against the goal itself but against forgetting to live while chasing it. Read along with the original article(s) here: https://www.1500days.com/death-march-financial-independence/ Quotes to ponder: "We forgot to enjoy life." "I should have sat back and smelled the roses instead of the sawdust every once in a while." "Live frugal, invest smart and before long, you'll be living life on your own terms." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices