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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

3718: [Part 1] The Right Way (And the Wrong Way) to Lend Money to Family and Friends by J.D. Roth of Get Rich Slowly on Family Finances

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

Sep 30
10 min

3717: Challenge: Save $1,000 in Just 3 Days by Chris Reining on Money Habits

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

Sep 29
10 min

3716: Take the One Percent Challenge from Afford Anything on Saving Money

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

Sep 28
11 min

3715: 6 Ways to Give Memorable Gifts (Without Going Into Debt) by Carrie Smith with PT Money 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

Sep 27
9 min

3714: Effort Alone Isn't Enough by David Cain of Raptitude on Intentional Living

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

Sep 27
10 min

3713: Retirement 101: When and How to Start Contributing to Your Retirement by Kalen Bruce of Money Mini Blog 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

Sep 26
9 min

3712: Playing the Money Game by Steve Pavlina on Money 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

Sep 25
10 min

3711: It's Called 'Personal' Finance for a Reason (Or When it Makes Sense to Go Into Debt) by Kalen Bruce of Freedom Sprout on Personal Finance

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

Sep 24
10 min

3710: How to Use a Budget Calendar by Kumiko of The Budget Mom on Budgeting

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

Sep 23
12 min

3709: What it Feels Like to Become Rich by Mr. Money Mustache on Financial Independence

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Sep 22
12 min

3708: [Part 2] You Can Teach An Old Dog New Tricks by Grumpus Maximus on Family Finances

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

Sep 21
11 min

3707: [Part 1] You Can Teach An Old Dog New Tricks by Grumpus Maximus 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

Sep 20
10 min

3706: When Life Throws You Curveballs by Julie Morgenstern on Intentional Living

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Sep 20
9 min

3705: It's Only Money by Craig Stephens of Retire Before Dad on Emergency Funds

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Sep 19
12 min

3704: Sufficiency by Chris Guillebeau on Money Mindset

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Sep 18
12 min

3703: Simple Finances: How and Why to Build Up a Cushion in the Bank by Leo Babauta of Zen Habits on Financial Security

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

Sep 17
11 min

3702: The Latte Factor: 8 Ways We Often Overspend by Lama Farran with Becoming Minimalist on Intentional Spending

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Sep 16
12 min

3701: Happiness Through Subtraction by The Mad Fientist on Financial Independence

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Sep 15
13 min

3700: The Evolution of the Meaning of Money by Jacob Lund Fisker of Early Retirement Extreme on Money 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

Sep 14
11 min

3699: Great Financial Lessons My Dad Taught Me: Money Doesn't Have To Make Your Life Miserable by Michelle Schroeder-Gardner on Money 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 sen

Sep 13
9 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, Sep 30, 2026).

#141 ▲ 2 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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