3604: How to Cheat On Your Taxes Legally by Richard Close with Get Rich Slowly on Tax Strategies

3606: 5 Myths That Encourage Excess Spending by Dori Cameron with Becoming Minimalist on Money Mindsets

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com [https://oldpodcast.com/]. Episode 3606: Dori Cameron challenges five common mental shortcuts that make unnecessary purchases feel justified, from assuming you can return an item to believing it can always be stored, repaired, donated, or resold later. By exposing the hidden costs in time, money, and effort behind these rationalizations, she offers a practical framework for making more intentional buying decisions and reducing clutter before it starts. Read along with the original article(s) here: https://www.becomingminimalist.com/myths-that-cause-overspending/ [https://www.becomingminimalist.com/myths-that-cause-overspending/] Quotes to ponder: "If you are thinking “I can always return it,” the item may not be something worth purchasing in the first place." "A rule of thumb when making a purchase is to assume it has no resale value." "When you are in buying mode, ask yourself where in your house the object will likely be a year from now." Episode references: eBay: https://www.ebay.com [https://www.ebay.com/] Craigslist: https://www.craigslist.org [https://www.craigslist.org/] Poshmark: https://poshmark.com [https://poshmark.com/] Wealthfront’s high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ [https://wealthfront.com/OFD] This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠ [http://wealthfront.com/promo-terms].  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

3605: What Do You Do After You Make A ZILLION Dollars? by James Altucher on Wealth and Purpose

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com [https://oldpodcast.com/]. Episode 3605: James Altucher shares hard-earned lessons on handling sudden wealth without sabotaging it through impulsive decisions, bad investments, or strained relationships. His practical rules focus on patience, risk management, health, and long-term thinking, offering a roadmap for turning a windfall into lasting financial security. Read along with the original article(s) here: https://jamesaltucher.com/blog/what-do-you-do-after-you-make-a-zillion-dollars/ [https://jamesaltucher.com/blog/what-do-you-do-after-you-make-a-zillion-dollars/] Quotes to ponder: "Don’t change your lifestyle at all for at least one year." "Put it in a savings account for one year at least. Or under your mattress. No stocks. No paintings. No private investments." "Once you make money, everyone will approach you about new investments you can make. Or people will want to borrow money from you." Episode references: Aspen Snowmass: https://www.aspensnowmass.com/ [https://www.aspensnowmass.com/] Wealthfront’s high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ [https://wealthfront.com/OFD] This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠ [http://wealthfront.com/promo-terms].  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

3604: How to Cheat On Your Taxes Legally by Richard Close with Get Rich Slowly on Tax Strategies

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com [https://oldpodcast.com/]. Episode 3604: Richard Close explains that the smartest way to lower your tax bill is not by breaking the rules, but by understanding them. By looking closely at legitimate deductions and credits that many people overlook, taxpayers can potentially save money while avoiding the costly consequences of tax fraud. Read along with the original article(s) here: https://www.getrichslowly.org/how-to-cheat-on-your-taxes-legally/ [https://www.getrichslowly.org/how-to-cheat-on-your-taxes-legally/] Quotes to ponder: "Never cheat on your taxes. The risks far outweigh the rewards." "Be creative, but work within the law. You just might save some money this year on your tax filings." "You may be surprised by how greatly you can benefit from being a legal tax cheat." Episode references: Internal Revenue Service (IRS): https://www.irs.gov [https://www.irs.gov/] Wealthfront’s high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ [https://wealthfront.com/OFD] This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠ [http://wealthfront.com/promo-terms].  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

3603: 5 Crucial Ways Dave Ramsey is Right About Money by Jen Hayes on Wealth Foundations

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com [https://oldpodcast.com/]. Episode 3603: Jen Hayes reflects on the financial principles that transformed her own life, sharing how adopting key habits around debt, budgeting, and investing helped her pay off significant debt and build a stronger financial future. Her practical take on Dave Ramsey's core ideas offers listeners actionable ways to gain more freedom and control over their money. Read along with the original article(s) here: https://www.jenhayes.me/5-crucial-ways-dave-ramsey-is-right-about-money/ [https://www.jenhayes.me/5-crucial-ways-dave-ramsey-is-right-about-money/] Quotes to ponder: "You know what you can do when you don’t have debt payments? Anything you want!" "Debt is debt. Period." "Live like no one else now so you can live like no one else later." Episode references: The Total Money Makeover: https://www.ramseysolutions.com/store/books/the-total-money-makeover-by-dave-ramsey [https://www.ramseysolutions.com/store/books/the-total-money-makeover-by-dave-ramsey] Wealthfront’s high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ [https://wealthfront.com/OFD] This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠ [http://wealthfront.com/promo-terms].  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

3602: It Never Gets Easier by Ross Enamait of Ross Training on Personal Discipline

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com [https://oldpodcast.com/]. Episode 3602: Ross Enamait explains that the discomfort of real growth never disappears—it simply grows alongside your ability to push yourself. By accepting that hard work is meant to be hard, you can stop chasing the illusion that success should feel easy and instead focus on the satisfaction that comes from continual improvement. Read along with the original article(s) here: http://rosstraining.com/blog/2016/09/it-never-gets-easier/ [http://rosstraining.com/blog/2016/09/it-never-gets-easier/] Quotes to ponder: “When you give everything you have, it doesn’t matter what you started with. You still have nothing left when you’re finished.” “Hard work will always be hard. Don’t be turned off by this simple truth. Instead, you should learn to embrace it.” “Training to become the best isn’t supposed to be easy or enjoyable. The joy comes after the fact.” Wealthfront’s high-yield Cash Account: ⁠⁠https://wealthfront.com/OFD⁠⁠ [https://wealthfront.com/OFD] This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠⁠wealthfront.com/promo-terms⁠⁠ [http://wealthfront.com/promo-terms].  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]