{"podcast":{"title":"Optimal Finance Daily - Financial Independence and Money Advice","slug":"optimal-finance-daily-financial-independence-and-money-advice-879660","podcast_index_feed_id":879660,"rss_url":"https://feeds.megaphone.fm/OLD5541344269","website_url":"https://oldpodcast.com","image_url":"https://megaphone.imgix.net/podcasts/e672780c-36c1-11ec-906c-a32d99125980/image/0551550f21ca6f716db7be01cb360931.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress","author":"Optimal Living Daily LLC","episode_count":3647,"summary":"Optimal Finance Daily is the #1 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 Diania Merriam (founder of the EconoMe conference), 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, Diania 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.","last_synced_at":"2026-07-27T14:20:24.970583+00:00","page_url":"https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660"},"episode":{"title":"3620: 6 Habits of Above Average Retirement Savers by Craig Stephens of Retire Before Dad on Retirement Savings","slug":"3620-6-habits-of-above-average-retirement-savers-by-craig-stephens-of-retire-before-dad-on-retirement-savings","published_at":"2026-07-06T07:00:00+00:00","page_url":"https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660/3620-6-habits-of-above-average-retirement-savers-by-craig-stephens-of-retire-before-dad-on-retirement-savings","show_page_url":"https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660","url":"https://traffic.megaphone.fm/OLD8520593132.mp3","audio_url":"https://traffic.megaphone.fm/OLD8520593132.mp3","summary":"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 send you our 200-page digital workbook immediately. It’s packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3620: Craig Stephens outlines six practical habits that separate above-average retirement savers from everyone else, from consistently investing in tax-advantaged accounts to avoiding high fees and ignoring market noise. His advice shows how small, disciplined decisions made over many years can dramatically improve long-term financial security and help build a retirement portfolio that supports your goals. Read along with the original article(s) here: https://www.retirebeforedad.com/6-habits-above-average-retirement-savers/ Quotes to ponder: \"Among the most important savings habits is consistency.\" \"Successful retirement savers have an eye on the future and are less inclined to splurge on short-term pleasures and shiny objects.\" \"The best strategy for most everyone is to contribute to accounts regularly and keep your hands off.\" Episode references: Vanguard How America Saves Report: https://institutional.vanguard.com/how-america-saves/overview.html Roth IRA Information – IRS: https://www.irs.gov/retirement-plans/roth-iras Fidelity Retirement Savings Statistics: https://www.fidelity.com/viewpoints/retirement/retirement-savings-by-age Learn more about your ad choices. Visit megaphone.fm/adchoices","meta_description":"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 newslet…","key_points":[],"chapters":[],"topics":[],"duration_seconds":650,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/optimal-finance-daily-financial-independence-and-money-advice-879660/episodes/3620-6-habits-of-above-average-retirement-savers-by-craig-stephens-of-retire-before-dad-on-retirement-savings/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/optimal-finance-daily-financial-independence-and-money-advice-879660/3620-6-habits-of-above-average-retirement-savers-by-craig-stephens-of-retire-before-dad-on-retirement-savings.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}