Episodi
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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 3169:
Jeff Rose explains how longevity insurance can safeguard retirees against outliving their savings by providing guaranteed lifetime income. By delaying payouts, these plans maximize future payments, offering a low-risk, hands-off strategy to complement traditional investments, though not without trade-offs like lower returns and upfront costs. A strategic mix of longevity insurance and market investments can create a more secure and balanced retirement income plan.
Read along with the original article(s) here: https://www.goodfinancialcents.com/longevity-insurance/
Quotes to ponder:
"You’ll need to stretch your savings over a longer period of time which can be very hard to budget."
"Longevity insurance makes sure you always have some income during retirement."
"The big advantage of longevity insurance is that it guarantees your income for life."
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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 3168:
Vitaliy Katsenelson uses a personal skiing mishap to illustrate how bull markets, much like groomed ski slopes, can hide underlying weaknesses in investment strategies. He urges investors to reexamine their portfolios, focus on fundamentals like earnings growth and valuations, and prepare for inevitable market downturns by adopting a disciplined, skill-based approach to investing.
Read along with the original article(s) here: https://contrarianedge.com/downhill-racing-meets-value-investing/
Quotes to ponder:
"Speed covers up a lot of mistakes and lack of skill."
"Bull markets don’t last forever, and this one is not an exception."
"We must all reexamine and future-proof our investment process."
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Episodi mancanti?
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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 3167:
Gordon Stein explores how high-quality dividend stocks can serve as a shield against inflation while potentially accelerating portfolio growth. Highlighting examples like Lockheed Martin, Stein illustrates how dividend growth, reinvestment strategies, and careful stock selection can offer rising income and market resilience, even in volatile times.
Read along with the original article(s) here: https://cashflowcookbook.com/dividend-stocks-fight-inflation/
Quotes to ponder:
"Dividend stocks fight inflation with both a rising stock price and rising dividends."
"A dividend growth rate that is above inflation provides income that rises faster than inflation."
"Automatic reinvestment of dividends means that you will buy more as the stock price dips and buy less as the price rises, improving your overall investment."
Episode references:
Vanguard Dividend Appreciation Fund (NYSE:VIG): https://investor.vanguard.com/investment-products/etfs/profile/vig
SPDR S&P Dividend ETF (NYSE:SDY): https://www.ssga.com/us/en/intermediary/etfs/funds/spdr-sp-500-dividend-etf-sdy
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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 3166:
JT McGee explores the world of mortgage REITs, explaining how they generate impressive dividend yields by leveraging government-backed and non-agency mortgage securities. He outlines the key risks tied to interest rate movements and offers practical insights on how REITs can fit into a diversified, income-focused portfolio for investors seeking alternatives to traditional fixed-income assets.
Read along with the original article(s) here: https://thecollegeinvestor.com/3589/cash-flow-investments-reits-agency-mortgages/
Quotes to ponder:
"By law, REITs must return 90% of their operating earnings back to shareholders in the form of dividends."
"A bet on any mortgage REIT is essentially a wager that rates will increase very slowly over the next few years."
"For income purposes, nothing will beat a mortgage REIT."
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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 3165:
Mike Ballew shares practical, strategic guidance for navigating a hyper-competitive housing market, where hesitation can cost you your dream home. His five-step plan empowers buyers to act quickly and confidently, arming themselves with neighborhood knowledge, financial readiness, and negotiation flexibility, to avoid common regrets and make smarter, long-term decisions.
Read along with the original article(s) here: https://eggstack.com/blog/2022-02-13-5-Tips-for-Buying-a-Home-in-a-Competitive-Market/
Quotes to ponder:
"Every home you consider must be viewed through the eyes of other buyers."
"Sellers prefer to hitch their wagons to buyers who are able to prove they can afford a home versus someone who hopes they can."
"You need to be hungry like the wolf, laser-focused, and ready to pounce on a moment’s notice."
Episode references:
WAV Group: https://www.wavgroup.com
Zillow: https://www.zillow.com
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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 3164:
Jackie Beck reveals how identifying your personal debt triggers can be the turning point to lasting financial freedom. By examining the emotional and habitual roots of your spending decisions, you can break the cycle of credit dependency and take control of your money with clarity and purpose.
Read along with the original article(s) here: https://www.jackiebeck.com/identify-your-debt-triggers/
Quotes to ponder:
"Debt means an obligation on your future. The inability to really enjoy the here-and-now. Worry, stress, and frustration. Guilt."
"You can stop debt in its tracks, and get out of debt for good."
"If you find yourself buying electronics or other luxury items, ask yourself what you were doing in the store in the first place."
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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 3163:
J.L. Collins lays out a sharp and eye-opening warning about the seductive nature of financial scams and the psychological tricks that make them so effective, even on smart, well-intentioned people. Through personal stories and timeless lessons, he reminds us why skepticism and simplicity are our best defense against losing money to con artists in suits.
Read along with the original article(s) here: https://jlcollinsnh.com/2012/03/09/you-too-can-be-conned/
Quotes to ponder:
"People don’t fall for scams because they’re stupid. They fall for scams because they’re human."
"You’re vulnerable to cons when you’re greedy, when you’re desperate, when you think you know more than you do."
"The most dangerous person in your financial life is the slick guy in the expensive suit promising you high returns with low risk."
Episode references:
The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/0451205367
Ponzi Scheme - Investopedia: https://www.investopedia.com/terms/p/ponzischeme.asp
The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474
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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 3162:
J. Money reminds readers that everyone, even those who seem to have it all together, struggles sometimes. Through raw honesty and uplifting encouragement, this piece offers a comforting reminder that you’re not alone and that it’s okay to ask for help or take a break when life feels overwhelming.
Read along with the original article(s) here: https://www.budgetsaresexy.com/ps-we-all-struggle/
Quotes to ponder:
"Some of us just hide it better than others."
"It doesn’t mean you’re broken. It just means you’re human."
"You are not alone, and there are people who care about you."
Episode references:
The Minimalists: https://www.theminimalists.com
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Episode 3161:
Chris Reining unpacks the psychological and strategic considerations behind investing a large lump sum, emphasizing the risks of loss aversion and market timing. By advocating for a slower, more measured investment strategy aligned with your savings rate, he provides a practical framework to protect against emotional decision-making and reduce risk while still building long-term wealth.
Read along with the original article(s) here: https://chrisreining.com/how-should-i-invest-a-lump-sum/
Quotes to ponder:
"We like gains, but we hate losses even more."
"To protect you from yourself by easing smaller amounts of money into the market over longer periods of time it gives new investors more time to get comfortable with investing."
"By investing a static amount each month, you average everything out."
Episode references:
The Power of Loss Aversion - Daniel Kahneman and Amos Tversky: https://en.wikipedia.org/wiki/Loss_aversion
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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 3160:
Wanderer explains how incorporating preferred shares into a retirement portfolio can mitigate sequence-of-return risk by boosting income during the vulnerable early years of retirement. By swapping part of their bond allocation for these higher-yielding, bond-like assets, early retirees can increase cash flow while strategically managing volatility and cost.
Read along with the original article(s) here: https://www.millennial-revolution.com/invest/yield-shield/the-yield-shield-preferred-shares/
Quotes to ponder:
"A Preferred Share is kind of a mix between a stock and a bond."
"When you retire, you basically take a portion of your bond allocation and swap it for Preferreds."
"Our longer term plan as our portfolio grows (and our dependence on our Yield Shield decreases) is to exit these positions and pivot back towards a normal bond ETF."
Episode references:
iShares S&P/TSX Canadian Preferred Share Index ETF: https://www.blackrock.com/ca/individual/en/products/239832/ishares-sptsx-canadian-preferred-share-index-etf
Risk Parity Radio: https://www.riskparityradio.com/
iShares U.S. Preferred Stock ETF (PFF): https://www.ishares.com/us/products/239826/ishares-preferred-and-income-securities-etf
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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 3159:
Sean Mullaney offers a compelling defense of the FIRE movement by reframing it not as a claim to credit or privilege, but as a tool for improving financial outcomes through intentional decision-making. Acknowledging the role of luck, he argues that FIRE equips individuals with a framework to optimize their financial lives regardless of their starting point, making better choices more likely to lead to better luck.
Read along with the original article(s) here: https://fitaxguy.com/2020/12/
Quotes to ponder:
"Luck and choices are not entirely unrelated. The better financial choices you make, the more likely it is you will have good financial outcomes and enjoy better luck along the way."
"Financial literacy without a framework and goals is sort of like teaching algebra in high school. There’s nothing wrong with it, but how much did algebra affect your adult life?"
"The point of the Financial Independence movement is not to 'deserve' financial success. Rather, the point is to make choices that increase the odds of financial success and having more financial options."
Episode references:
FI Healthcare: https://fihealthcare.com
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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 3158:
James Altucher draws a powerful parallel between winning at chess and successful investing: both hinge on consistently building tiny advantages. From choosing debt-free companies with strong cash reserves to aligning with demographic trends, he reveals how small, smart moves compound into big wins, without relying on flashy predictions or risky gambles.
Read along with the original article(s) here: https://jamesaltucher.com/blog/what-makes-some-stocks-safer/
Quotes to ponder:
"Basically, accumulate tiny advantages throughout the game."
"If a company has a lot of cash in the bank and no debt, then it’s not going to file bankruptcy anytime soon."
"The goal is to find that very unique combination of stocks that could go up quite a bit that also have a good margin of safety around them."
Episode references:
S&P Dow Jones SPIVA U.S. Scorecard 2020: https://www.spglobal.com/spdji/en/research-insights/spiva/
The Power of Now: https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808
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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 3157:
Erik Carter underscores how embracing a margin of safety, a buffer against unpredictability, can transform your entire approach to financial planning, from investing and retirement to insurance and emergency savings. By preparing for less-than-ideal outcomes, you reduce financial stress and increase confidence in your long-term goals, all while building a more secure path to financial freedom.
Read along with the original article(s) here: https://www.financialfinesse.com/2013/09/05/the-3-most-important-words-in-retirement-planning/
Quotes to ponder:
"A margin of safety gives you room for error to be wrong."
"Entering numbers into a retirement calculator that are overly optimistic will produce a case of the old garbage in, garbage out."
"You also don’t want to assume an average life expectancy. After all, there’s at least a 50% chance that you’ll live past average."
Episode references:
Fidelity Retiree Health Care Cost Estimate: https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs
Stocks for the Long Run by Jeremy Siegel: https://www.amazon.com/Stocks-Long-Run-Definitive-Investment/dp/0071800514
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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 3156:
Lisa Harrison shares how she and her husband sidestepped lifestyle inflation to build wealth and achieve financial freedom, without sacrificing joy or connection. Through mindful home buying, curbing consumer habits, and consistently increasing their savings rate, they created a life of intentionality and long-term fulfillment.
Read along with the original article(s) here: https://madmoneymonster.com/2021/03/22/5-ways-we-avoided-lifestyle-inflation-to-reach-financial-freedom/
Quotes to ponder:
"We didn’t buy more house than we needed, although I really wanted to, and we bought the crappiest house in a nice neighborhood."
"We will go without a want before we pay for anything with a credit card that can’t be immediately paid off at the end of the month."
"Investing extra money gives us a bigger rush than spending it."
Episode references:
401(k) and 403(b) plan basics - Investopedia: https://www.investopedia.com/terms/1/401kplan.asp
The Minimalists: https://www.theminimalists.com
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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 3155:
Lisa Harrison shares her personal journey from a youthful splurge on a flashy car to a values-driven commitment to living within her means. Through candid storytelling and practical advice, she highlights how avoiding lifestyle inflation, especially with car purchases, became a foundational strategy in her family's path to financial freedom.
Read along with the original article(s) here: https://madmoneymonster.com/2021/03/22/5-ways-we-avoided-lifestyle-inflation-to-reach-financial-freedom/
Quotes to ponder:
"After payments, insurance, maintenance, and gas, I was left with less than half of my take-home pay for everything else."
"What mattered most was how much money you saved."
"Despite our 2012 luxury SUV, my husband and I have driven reasonable cars for the entirety of our marriage."
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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 3154:
Andy Hill challenges the traditional notion of giving kids an allowance by linking money to effort through “Chore Money.” His approach teaches children real-world financial principles, like earning through value, saving early, and understanding limits, while also sparking entrepreneurial thinking from a young age.
Read along with the original article(s) here: https://marriagekidsandmoney.com/why-i-wont-give-my-kids-an-allowance
Quotes to ponder:
"You exist therefore you get money. That concept doesn’t work in the real world."
"If she helps with the chores, she gets paid. If she doesn't help, she doesn't get paid."
"When you’re a saver, you have options. You can more easily pursue your passions and live your life on your terms."
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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 3153:
Sam from Financial Samurai sheds light on a growing financial vulnerability in America: nearly 30% of households have no investments beyond their primary residence. He explores how financial trauma, wage stagnation, and lack of education have led to under-diversification, urging readers to adopt a more balanced wealth-building strategy for true financial independence.
Read along with the original article(s) here: https://www.financialsamurai.com/percentage-wealth-outside-primary-residence/
Quotes to ponder:
"Roughly 30% of households have no 401k, no IRA, no after-tax investment account, no private equity investments, no venture debt investments, no nothing beyond the value of their primary residence!"
"When you’re catching your breath, you’re not looking to aggressively invest in growth stocks and other assets."
"Don’t be like most people with no wealth outside their home. Diversify your investments!"
Episode references:
Reverse Mortgage Information - Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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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 3152:
Paula Pant shares how long-term, global travel can be surprisingly attainable, not just for the wealthy, but for anyone willing to rethink their financial priorities. By breaking down the cost of international living and comparing it to typical expenses back home, she reveals how travel can actually be more affordable than staying put.
Read along with the original article(s) here: https://affordanything.com/how-can-you-afford-to-travel-the-world/
Quotes to ponder:
"You don’t need to be rich to travel the world. You just need to spend in alignment with your values."
"The cost of travel is often less than the cost of staying in one place."
"When you travel long-term, you avoid the biggest costs: round-trip airfare and short-term lodging."
Episode references:
Lonely Planet Travel Guides: https://www.lonelyplanet.com
Numbeo Cost of Living Comparison: https://www.numbeo.com/cost-of-living/
The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357
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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 3151:
Stephen Popick unpacks the often-misunderstood concept of the time value of money, showing why recurring expenses like cable TV aren’t as costly in today’s dollars as they appear over decades. By factoring in inflation, investment returns, and personal opportunity costs, he makes a compelling case for thoughtful financial planning that balances present needs with future goals.
Read along with the original article(s) here: https://www.getrichslowly.org/the-time-value-of-money-or-why-25-years-of-cable-tv-doesnt-cost-as-much-as-you-think/
Quotes to ponder:
"The time value of money is a complex term for a simple concept: Any given amount of money is worth more today than the same amount in the future."
"Your personal time value of money is very tough to measure on a personal level."
"Would I rather have $30,000 today or cable television for the next 25 years? There’s no one right answer."
Episode references:
Good Debt, Bad Debt: https://www.amazon.com/Good-Debt-Bad-Invest-Smarter/dp/1591840260
The Automatic Millionaire: https://www.amazon.com/Automatic-Millionaire-Powerful-Immediately/dp/0767923820
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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 3150:
Julien Saunders shares four hard-earned insights from preparing his second rental property, revealing how time, cash, and strategy shape success in real estate investing. Whether you're considering buying rental properties or just want smarter ways to manage money and stress, his practical lessons offer value beyond property lines.
Read along with the original article(s) here: https://richandregular.com/4-lessons-learned-from-our-2nd-rental-property/
Quotes to ponder:
"Cash is their preferred form of payment. As a result, when the work really matters to us, we’re sure to lead with that so they are more motivated to do a good job on the project."
"I am so grateful to have found the courage to quit my job a few months ago because otherwise, I wouldn’t have had the time to deal with some of the issues that popped up."
"Just like your primary home, it’s never a matter of if, but WHEN something needs to be repaired or replaced."
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