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

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 3086:Chris of KeepThrifty shares practical, tested strategies for growing your income faster than inflation averaging 8% annually over 15 years by becoming a high-value team member. Learn how to lead with purpose, invest in your own development, support your team, and tackle the tough jobs no one else wants, all of which set you up for financial freedom.Read along with the original article(s) here: https://www.keepthrifty.com/earn-like-a-boss-spend-like-an-intern/Quotes to ponder:"Decisions are easier, priorities are clearer, and everyone just seems to work together better.""You need to keep learning and growing.""Improving your team helps your company a lot and you even more."Episode references:Crucial Conversations: https://www.amazon.com/Crucial-Conversations-Talking-Stakes-Second/dp/0071771328The Obstacle Is the Way: https://www.amazon.com/Obstacle-Way-Timeless-Turning-Triumph/dp/1591846358Start with Why: https://www.amazon.com/Start-Why-Leaders-Inspire-Everyone/dp/1591846447 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 3085:The Mad Fientist explores the unexpected emotional terrain of nearing financial independence, revealing how fear, procrastination, and questions of purpose often surface just as the goal comes within reach. With honesty and introspection, he shares how early action, not early retirement alone, may be the key to building a more meaningful and enjoyable life.Read along with the original article(s) here: https://www.madfientist.com/emotions-of-fi/Quotes to ponder:"I’ve spent so many years building up my balances so the idea of actually taking money out is a bit frightening.""Has my procrastination been a way of keeping my dreams alive even though, deep down, I realize they are probably not attainable?""Financial independence isn’t the solution to every problem but it does provide the freedom and flexibility to make changes that improve your life." 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 3084:Chelsea of SmartMoneyMamas.com breaks down the intentional decision-making process behind frugal living, showing how thoughtful spending can lead to greater happiness, reduced stress, and financial freedom. Rather than focusing on deprivation, her five-step method encourages creativity, community, and mindful consumption in a world driven by impulse buying.Read along with the original article(s) here: https://smartmoneymamas.com/thought-process-frugal-mind/Quotes to ponder:"Being frugal is about optimizing the balance between cost and happiness.""Your time does have value and the materials to make those things could end up costing more anyway.""When you buy something using the frugal thought process, be confident that you are spending money on something that matters."Episode references:Craigslist: https://craigslist.orgBuy Nothing Project: https://buynothingproject.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search forspecific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com.Episode 3083:Julien Saunders shares how he and his wife strategically paid off their mortgage to unlock financial freedom, reduce stress, and gain control over their time. Their journey, driven by teamwork and discipline, reveals how owning a home outright can be a powerful step toward financial independence, especially for those underrepresented in that achievement.Read along with the original article(s) here: https://richandregular.com/why-we-paid-off-our-mortgage/Quotes to ponder:"We didn’t just payoff a mortgage; we bought time.""The primary reason we decided to payoff the mortgage was to create a level of freedom and flexibility that no job could ever provide.""We swung it about 30+ times over a 2 1/2 year period putting every single dollar to work."Episode references:Afford Anything: https://affordanything.comGo Curry Cracker: https://www.gocurrycracker.comMillennial Revolution: https://www.millennial-revolution.comDave Ramsey: https://www.ramseysolutions.com Learn more about your ad choices. Visit megaphone.fm/adchoices