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Investing · Optimal Living Daily | Diania Merriam

Optimal Finance Daily - Financial Independence and Money Advice

by Optimal Living Daily | Diania Merriam

Optimal Finance Daily is a leading narrated podcast for the FIRE movement (Financial Independence, Retire Early). We curate and read the internet's most influential blogs on stock market investing, passive income, debt repayment, and 401k strategies, transforming complex wisdom into actionable daily episodes. Hosted by Justin Malik (founder of the Optimal Living Daily podcast network), this show is designed for growth-minded professionals seeking wealth management tips and money mindfulness. From budgeting and frugal living to index fund investing and tax strategies, Justin provides the tools to secure your financial freedom. Join thousands of listeners becoming "OLD friends" as we navigate retirement planning, savvy money management, and the path to a debt-free life. Your journey to an optimal life begins here.

Latest episodes

Showing 20 · updated from the feed

3743: Retiring at 37 is Hard AND Where Should My Money Go? By Chris Reining on Financial Independence

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Oct 22
13 min

3742: Forget Your Debt. Just Forget About It. Really. By Paula Pant of Afford Anything on Building Wealth

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 se

Oct 21
13 min

3741: Striving For Financial Independence? Find Your Tribe by Dave of Accidental Fire on Financial Accountability

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Oct 20
10 min

3740: [Part 2] Making a Financial Turnaround by Steve Pavlina on Money Mindset

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Oct 19
11 min

3739: [Part 1] Making a Financial Turnaround by Steve Pavlina on Paying Down Debt

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 se

Oct 18
12 min

3738: When in Doubt Be Generous by Jeff Goins of Goins Writer on Abundance Mindset

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 se

Oct 18
10 min

3737: Are You Letting Fear Control Your Finances by Kalen Bruce of Money Mini Blog on Intentional Spending

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 se

Oct 17
11 min

3736: What's the Difference Between Retirement and Financial Independence by J.D. Roth of Get Rich Slowly on Early Retirement

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 se

Oct 16
11 min

3735: The Power of Quitting by The Mad Fientist on Financial Independence

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Oct 15
9 min

3734: [Part 2] Making Space for Badassity by Mr. Money Mustache on Intentional Living

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Oct 14
11 min

3733: [Part 1] Making Space for Badassity by Mr. Money Mustache on Frugality

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Oct 13
8 min

3732: How Often Should You Check Your Stocks? (NOT every day) by Ramit Sethi of I Will Teach You to be Rich on Index Fund Investing

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 se

Oct 12
11 min

3731: 8 Ways to Make Huge Savings in Your Budget by Leo Babauta of Zen Habits on Frugality

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Oct 11
10 min

3730: How To Teach Your Kids To Be Entrepreneurs by Kalen Bruce of Freedom Sprout on Teaching Kids About Money

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Oct 11
11 min

3729: A Helpful Guide to Overcoming Consumerism by Joshua Becker of Becoming Minimalist on Intentional Spending

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Oct 10
11 min

3728: The Real Reason Why You Can't Break Your Bad Money Habits by Jen Hayes on Money Mindset

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Oct 9
11 min

3727: 11 Tips From My New Millionaire Friend by J. Money of Budgets Are Sexy on Building Wealth

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Oct 8
11 min

3726: How To Find A Bargain When Making A Big Purchase by Michael Smith with Financial Finesse on Intentional Spending

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Oct 7
9 min

3725: Can You Actually Time the Stock Market? by Phil Town of Rule One Investing on Stock Market Investing

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 se

Oct 6
9 min

3724: Constant Retirement Withdrawals: Realistic or Not? By Darrow Kirkpatrick of Can I Retire Yet on Safe Withdrawal Rate

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 se

Oct 5
11 min

Chart trend

Position in the Investing chart (US), last 90 days.

#67
all-time peak
117
days in the top 100 since Nov 2024

Chart positions

Where Optimal Finance Daily - Financial Independence and Money Advice ranks today in each Apple Podcasts chart (US, Oct 22, 2026).

#159 ▲ 3 Investing US

What listeners say

A curated, balanced selection of Apple Podcasts reviews.

I really like this podcast! I officially started paying off debt January of 2020 but started to fall in love with it summer of 2019. I was a huge DR fan (if you know, you know) but the show because too political and I wasn’t a fan of the direction the show was going into (cohosts). It was the catalyst to my journey and my biggest source of motivation. I’ve listened to a few other podcasts but they didn’t really do it for me. I found this one because I started listening to optimal living daily. I listen to this while I work from but I’ll also be listening when I do my side hustle(s). Not only do I have this podcast but I have new content to read. If you’re reading this, good luck achieving your financial goals.

SleepSavy · Aug 2021

I have listened to Jill on money for almost a year now and had gained so much valuable information. Every week I get nuggets of wisdom that I have implemented. Thanks so much Jill and Mark!

tyler in boston · Jun 2021

Diana’s an engaging and thoughtful host. She really knows her stuff. Unfortunately, the blogs she reads from often focus on penny pinching and other boring or eyeroll inducing topics for people who aren’t on a shoestring budget. Diana’s insights are almost always the most valuable part of the podcast. It’d be nice to hear more articles on topics other than “why you should start saving today”.

NannersYeah · Apr 2021

Outstanding voice and tremendous commentary. Always a soothing feeling putting on daily!

BfBWLTD · Oct 2020

This was a great podcast idea however when the show is under 8 minutes long most days and starts with 1.5 min of ads and ends with another minute of ads it’s not worth the time. If they get their ads back below 25% of the podcast I may resubscribe. You’re not fooling anyone when you start with “real quick we recommend...” followed by 90 seconds of ads before “let’s get right to this post” and then fly through the post followed by another minute of ads at the end. It’s even worse when they do two articles in one podcast. The 1.5 min at the beginning and minute of ads at the end get an additional 30-60 seconds of ads in the middle turning the episode into nearly 50% ads. I get it that you need to make money but I’m not subscribing to an ad podcast with occasional information when there are so many other podcasts out there.

WhalesMangina · May 2020

A number of the readings have been quite old, and therefore seem less relevant and a bit stale. Would it be possible to focus on more recent financial insights? Thank you!

citizen2023 · Aug 2023

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Here you find the Apple Podcasts chart positions of Optimal Finance Daily - Financial Independence and Money Advice, its latest episodes to listen to directly, and reviews from listeners. Rankings are updated daily for the United States.

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