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 3096:Michelle Schroeder-Gardner encourages finding a balance between financial goals and enjoying life, especially when dealing with debt. She shares practical strategies for traveling affordably like budgeting, staycations, and using credit card rewards while emphasizing the importance of not adding to your debt in the process.Read along with the original article(s) here: https://www.makingsenseofcents.com/2017/09/should-you-go-on-vacation-if-you-have-debt.htmlQuotes to ponder:"You can still enjoy life on a budget, but it’s all about having a good balance and seeking out what will work best for your situation.""To take a vacation, you should never take on debt. Taking on debt to travel will just dig your debt hole even deeper.""Vacations are great and all, but taking on debt to go on them is 99.999999% of the time not worth it."Episode references:Gusto Payroll: https://gusto.com/Chase Sapphire Preferred: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3095:Brian Tracy breaks down the habits and mindset shifts that separate those who only look rich from those who are rich. Learn how adopting long-term thinking, discipline, and a focus on wealth-building behaviors can lead to true financial independence - regardless of your current income.Read along with the original article(s) here: https://www.briantracy.com/blog/financial-success/look-rich-or-be-rich-develop-a-millionaire-mindset-to-achieve-financial-independence-wealthy-people/Quotes to ponder:“People who look rich often have little or no money saved. They work to earn and then spend everything on the outward appearance of success.”“People who are really rich are more concerned with building and maintaining wealth over time than with showing it off.”“You become what you think about most of the time. If you think about financial independence and becoming wealthy, you begin to do the things that will make it a reality.”Episode references:The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474Think and Grow Rich: https://www.amazon.com/Think-Grow-Rich-Landmark-Bestseller/dp/1585424331Rich Dad Poor Dad: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612681131The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3094:Wanderer shares powerful insights from Chautauqua UK, revealing how financial healing starts with self-forgiveness. When we release the shame of past money mistakes, we unlock the clarity and creativity needed to move forward and take control of our financial future.Read along with the original article(s) here: https://www.millennial-revolution.com/build/why-you-have-to-forgive-yourself/Quotes to ponder:"Let’s pretend that whoever screwed up in the past was a different person, and that person’s gone now.""The only thing that matters is what you do starting now."Episode references:Camp FI: https://campfi.orgEconoMe Conference: https://www.economeconference.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3093:Julianna Poplin explores the often-overlooked tension between simplicity and frugality, sharing her journey from obsessive bargain hunting to more mindful consumer habits. She encourages listeners to consider the true cost of “cheap” purchases, including time, stress, and clutter, and offers reflective questions to help find a balance that aligns with their values.Read along with the original article(s) here: https://www.thesimplicityhabit.com/how-to-balance-simplicity-and-frugality/Quotes to ponder:"You are going to pay with something. It will typically either be time or money.""Frugality ceases to be an asset when you are buried under a pile of bargain items.""It isn’t frugal to buy unnecessary items no matter how inexpensive they were."Episode references:The Minimalists (Joshua Fields Milburn quote): https://www.theminimalists.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3092:J.D. Roth challenges the notion that paying off debt requires extreme austerity, advocating instead for a balanced, sustainable approach. By gradually building frugal habits and allowing room for joy, you can make progress toward financial freedom without feeling deprived or overwhelmed.Read along with the original article(s) here: https://www.getrichslowly.org/should-repaying-debt-be-an-obsession/Quotes to ponder:"You paid off $35,000 in debt in just over three years. Does that mean you were balls-to-the-wall dedicated and had no frills and were dour-faced the whole time?""Most people who leap from a lifestyle of deficit-spending to one of extreme frugality find the waters very, very cold.""Yes, thrift and frugality are important tools to meeting your financial goals. But I believe it's important to develop sustainable financial goals."Episode references:Frugalwoods blog: https://www.frugalwoods.comYour Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474Mr. Money Mustache blog: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3091:A Purple Life reflects on how car ownership once symbolized freedom in traffic-choked Atlanta, only to become a stressful time sink that fueled a lifelong commitment to living carfree. By designing a life around walkability, public transit, and intentional limits, she highlights the financial and mental freedom that can come from rejecting car culture entirely.Read along with the original article(s) here: https://apurplelife.com/2018/07/24/carfree-for-life/Quotes to ponder:"Every. Single. Day. This is when I learned I never wanted to own a car or have a car commute again.""It felt like I was staring into the abyss of my commuting future.""I’ll happily substitute owning a car with a mix of public transit, walking and using the sharing economy." Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3090:Brian Gardner challenges the busyness and clutter that dominate modern life, inviting readers to embrace a simpler, more intentional existence. By clearing the physical and mental "sidebars" that distract us, he reveals how life becomes more meaningful, spacious, and aligned with what truly matters.Read along with the original article(s) here: https://nosidebar.com/life-without-sidebars/Quotes to ponder:"A life with no sidebars is about making space for what really matters by getting rid of everything that doesn’t.""Busyness isn't a badge of honor, it’s a barrier to connection, creativity, and joy.""Instead of checking off boxes, I want to be present for my life."Episode references:Soulful Simplicity (Book): https://www.amazon.com/Soulful-Simplicity-Courtney-Carver/dp/0143130684Be More with Less: https://bemorewithless.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3089:Kevin of Financial Panther reminds us that real success, whether in finances, personal growth, or business, comes from playing the long game. With patience, consistency, and a focus on compounding effort over time, even modest daily actions can lead to remarkable outcomes. His reflections encourage listeners to build resources, pursue passion projects with endurance, and reject the myth of overnight success.Read along with the original article(s) here: https://financialpanther.com/the-long-game-always-wins/Quotes to ponder:"If you give yourself enough time, you can achieve almost anything.""$30 per day might not seem like much money, but 30 years is a long time to do anything.""Spending over 5 years doing anything is as close to a guaranteed recipe for success as you can get in our world."Episode references:The Bullet Journal Method by Ryder Carroll: https://www.amazon.com/Bullet-Journal-Method-Meaningful-Productive/dp/0525533338EconoMe Conference: https://www.economeconference.comReal Vision: https://www.realvision.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3088:Chris Reining breaks down the mindset and math behind determining how much money you really need to achieve financial independence. By focusing on spending rather than income, he offers a simple yet powerful framework that puts long-term freedom within reach - no matter your current salary.Read along with the original article(s) here: https://chrisreining.com/how-muchQuotes to ponder:"You don’t need to be a millionaire, you just need enough money so you don’t have to work.""Financial independence has nothing to do with how much you earn, and everything to do with how much you spend.""The lower your spending, the less you need to save. That’s the secret."Episode references:Mr. Money Mustache: https://www.mrmoneymustache.comYour Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3087:Chris from KeepThrifty shares how living like a student during a well-paying internship taught him a powerful lesson: spending should be driven by values, not income. By focusing on tracking expenses, prioritizing long-term goals over short-term indulgences, and finding joy in low-cost experiences, he shows how financial freedom becomes more achievable - no matter how much you earn.Read along with the original article(s) here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/Quotes to ponder:"Your spending can (and should) be independent of your income.""It’s not deprivation if you’re prioritizing something better.""That which gets measured gets managed."Episode references:The More of Less: https://www.amazon.com/More-Less-Minimalist-Living-Discover/dp/1601427964 Learn more about your ad choices. Visit megaphone.fm/adchoices