Optimal Finance Daily - Financial Independence and Money Advice

• 3072: How to Ask for (and Get) a Raise by Emily Guy Birken with PT Money on Salary Negotiation

  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 3072: A well-deserved raise isn't just about asking, it’s about asking the right way. Emily Guy Birken breaks down a strategic approach to salary negotiations, from researching market value and proving your worth to timing your request wisely and handling a potential "no" with confidence. Mastering this skill can set you up for long-term financial growth and career satisfaction. Read along with the original article(s) here: https://ptmoney.com/how-to-ask-for-a-raise/ Quotes to ponder: "They can’t shoot you for asking." "The best time to ask for a raise is right after you have just done something great for the company, such as solving a big problem, landing a major client, or saving the company money." "It can be easy to procrastinate for months (or even years!) if you’re uncomfortable selling yourself, but no one else is going to advocate for you." Episode references: Glassdoor: https://www.glassdoor.com Salary.com: https://www.salary.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 3071: 5 Reasons You Won’t Reach Financial Independence by Chris Panteli with Fiology

  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 3071: Achieving financial independence is a dream for many, but common pitfalls can derail progress. Chris Panteli highlights five key reasons people fail to reach this goal: lack of genuine commitment, insufficient financial knowledge, reliance on stagnant cash savings, fear of taking risks, and impatience. By recognizing these obstacles early and taking proactive steps, you can stay on track toward financial freedom. Read along with the original article(s) here: https://www.fiology.com/you-wont-reach-financial-independence/ Quotes to ponder: "You lose money thanks to inflation. This is a concept you must understand if you are to be financially independent." "To make money that helps you become financially independent will mean taking some risks. If you are not prepared to take any risk, then you aren’t going to achieve your goals." "Patience, consistency, willpower, and hard work are just some of the traits you need to cultivate." Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 3070: Stealth Wealth Fail AND The Wall Of Fear by Doc G of Earn And Invest on Success with Money

  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 3070: Trying to stay under the radar with your financial success? It might not be as simple as it seems. This article explores the unintended consequences of stealth wealth - how hiding your prosperity can lead to isolation, distrust, and missed opportunities for meaningful connection. Fear can be a powerful force, shaping our decisions and holding us back from opportunities. This article examines how financial fears - whether of loss, failure, or even success - can create invisible barriers that limit growth. By recognizing and confronting these fears, we can push past hesitation and build a more secure and fulfilling financial future. Read along with the original article(s) here: https://www.earnandinvest.com/blog/stealthwealthfail AND https://www.earnandinvest.com/blog/the-wall-of-fear Quotes to ponder: "Hiding your wealth may protect you from jealousy and unwanted attention, but it can also create barriers between you and those you care about." "Authenticity matters more than secrecy - real relationships thrive on trust, not carefully managed illusions." "Fear builds walls that keep us from taking risks, but those same walls can also trap us in stagnation." "Every major financial decision comes with uncertainty, but letting fear dictate your choices means giving up control of your future." Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 3069: How To Budget After Bankruptcy by Kalen Bruce of Money Mini Blog on Frugality

  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 3069: Rebuilding your finances after bankruptcy is challenging, but it’s also an opportunity for a fresh start. Kalen Bruce outlines practical steps to regain control, from tracking expenses and cutting non-essential spending to leveraging budgeting tools and creating a sustainable financial plan. By taking a proactive approach, you can turn past financial struggles into a foundation for long-term stability. Read along with the original article(s) here: https://moneyminiblog.com/budgeting/budget-after-bankruptcy/ Quotes to ponder: "Once your debts have been forgiven, you need to make sure you don’t fall back into debt." "If there is any practice that can answer the question of how to rebuild finances after bankruptcy, it is budgeting." "Look at your financial situation as a positive, clean slate, rather than feeling sorry over your previous financial failings." Episode references: FI Healthcare: https://fihealthcare.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 3068: [Part 2] Why Is Taking Some Financial Risk Important by Vicki Cook & Amy Blacklock of Women Who Money

  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 3068: Taking financial risks wisely can be a game-changer for building long-term wealth. Vicki Cook and Amy Blacklock break down how to educate yourself on investing, assess your risk tolerance, and make informed decisions that align with your financial goals. By continuously learning and adjusting your strategy over time, you can confidently embrace risk without fear, allowing you to grow your wealth while maintaining financial security. Read along with the original article(s) here: https://womenwhomoney.com/why-is-taking-some-financial-risk-important/ Quotes to ponder: "You don’t want to become so comfortable with your investment decisions that you fail to reconsider what 'risk' means to you over time." "If a conservative approach helps you sleep better at night, investing more money for a lengthier period will build wealth too." "Your mindset will shift over time, from being fearful to courageously taking more risks." Episode references: University of Missouri Risk Tolerance Assessment: https://pfp.missouri.edu/research/investment-risk-tolerance-assessment The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-Financial-Independence/dp/1533667926 Learn more about your ad choices. Visit megaphone.fm/adchoices

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