Radical Personal Finance

Radical Personal Finance

Joshua Sheats

Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.

1082-Invest Without Wall Street and Build Your Community: Interview with Tim Yarbrough

1082-Invest Without Wall Street and Build Your Community: Interview with Tim Yarbrough

Tim Yarbrugh is one of our Keynote Speakers at Radical Family Camp 2025. Buy your tickets now before they're gone! www.RadicalFamilyCamp.com

Feb 20, • 1:01:13

1081-Will DOGE Save Us All From US Government Default?

1081-Will DOGE Save Us All From US Government Default?

Radical Family Camp 2025 is 58% sold out now. Get your tickets before they're all gone! www.RadicalFamilyCamp.com

Feb 11, • 34:41

Buy Your Tickets Now for RPF Family Camp 2025!

Buy Your Tickets Now for RPF Family Camp 2025!

Buy your tickets for Family Camp 2025 today at www.RadicalFamilyCamp.com

Feb 7, • 23:02

1080-Private Schools are a Complete Waste of Money Compared To This Alternative

1080-Private Schools are a Complete Waste of Money Compared To This Alternative

www.RPFacademy.com

Jan 28, • 22:30

1079-My Thoughts on the Birthright Citizenship Executive Order and Situation

1079-My Thoughts on the Birthright Citizenship Executive Order and Situation

Join me and make 2025 your most profitable ever! www.RPFacademy.com

Jan 21, • 42:53

1078-Friday Q&A: Business Skills, Productive Vacations, Radical Consistency, Appreciating What You Have

1078-Friday Q&A: Business Skills, Productive Vacations, Radical Consistency, Appreciating What You Have

On today's Friday Q&A show we discuss: 1:46 How should I teach business skills to an associate? 11:06 Teaching Spanish to children 13:55 Productive travel vacations 31:33 The power of Radical Consistency 43:28 Living in the present and appreciating what you have 51:22 Suggestions on investing tax-free for Bermuda residents To join me next week, go here: www.patreon.com/RadicalPersonalFinance  Join RPF Academy and make 2025 your best year yet! www.RPFacademy.com  Joshua

Jan 17, • 1:00:25

1077-How to Make Good Decisions: A Framework

1077-How to Make Good Decisions: A Framework

Make 2025 your best year ever: www.RPFacademy.com

Jan 15, • 41:19

1076-Friday Q&A: Second Citizenships, Finances for a 70-Year-Old, Asset Allocation, 2024 Taxes, etc.

1076-Friday Q&A: Second Citizenships, Finances for a 70-Year-Old, Asset Allocation, 2024 Taxes, etc.

On today's Friday Q&A show we discuss: 1:35 Should I just pay for a second citizenship and get it done with? 7:44 How do I provide financial coaching for a 70-year-old widow? 24:50 How do I get on the same page re: asset allocation with my husband? 47:51 What can I do to save money on my 2024 taxes? 55:08 I'm going to church for the first time...what should I expect? 1:06:34 I live tax-free in Bermuda. How can I invest tax-free too? Enjoy! Join me on next week's Q&A show: www.patreon.com/radi

Jan 10, • 1:23:03

1075-A Billion Dollar Exit Doesn't Lead to Automatic Happiness

1075-A Billion Dollar Exit Doesn't Lead to Automatic Happiness

https://vinay.sh/i-am-rich-and-have-no-idea-what-to-do-with-my-life/

Jan 6, • 22:40

1074-Why You Should Use Apple or Google Pay Instead of a Physical Credit Card

1074-Why You Should Use Apple or Google Pay Instead of a Physical Credit Card

Learn this and many more useful tricks in the RPF Academy: www.RPFacademy.com.

Dec 10, 2024 • 22:47

1073-Friday Q&A: Implementing Financial Plans Turning $120k into $2,500/mo, Asset Rich and Cash Poor

1073-Friday Q&A: Implementing Financial Plans Turning $120k into $2,500/mo, Asset Rich and Cash Poor

On today's Q&A show we discuss: 1:45 What moves people to take action on their financial plan? 32:51 How do I turn $120,000 into $2,500 a month? 51:44 I am asset rich and cash poor; how do I flip that? To join me next week on the live Q&A show, go here: https://patreon.com/RadicalPersonalFinance  To join my new Academy and make 2025 your most profitable year yet, go here: www.RPFacademy.com To buy my International Escape Plan Course for 50% off with my Cyber Monday sale, go here: https://rpf.

Dec 6, 2024 • 1:00:02

1072-Why I Stopped Canceling My Credit Cards Every December (and what I do instead!)

1072-Why I Stopped Canceling My Credit Cards Every December (and what I do instead!)

Learn this and many other useful tricks in the new RPFacademy! Sign up today before the first live class! www.RPFacademy.com (And make sure to buy my International Escape Plan course before the Cyber Monday Sale expires. 2 days left!) www.InternationalEscapePlan.com

Dec 5, 2024 • 24:28

1071-Civil Asset Forfeiture...Progress?

1071-Civil Asset Forfeiture...Progress?

US suspends controversial asset-forfeiture program targeting airline travelers Make 2025 your most financially productive year ever! www.RPFacademy.com

Dec 4, 2024 • 8:43

1070: Cyber Monday Sale: Reflections on Building An International Escape Plan, 5 Years Later

1070: Cyber Monday Sale: Reflections on Building An International Escape Plan, 5 Years Later

In today's podcast I reflect on 5 years of expat life after fleeing the USA. Get 50% off my International Escape Plan Course with code CYBERMONDAY2024 with this direct link: https://rpf.gumroad.com/l/InternationalEscapePlan/CYBERMONDAY2024

Dec 2, 2024 • 48:29

"An Old-Fashioned Thanksgiving" by Louisa May Alcott

"An Old-Fashioned Thanksgiving" by Louisa May Alcott

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving." The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year. But this story is filled with financial lessons for those with ears to hear. As you listen to a life of long ago (circa 1830), I'd

Nov 25, 2024 • 40:00

1069-Friday Q&A: Laid Off, Building a Better FAFSA, RPF Academy, Voluntary Buyout

1069-Friday Q&A: Laid Off, Building a Better FAFSA, RPF Academy, Voluntary Buyout

On today's Friday Q&A show we discuss: 1:00 I just got laid off...now what? 13:16 How can I arrange my affairs for a better FAFSA? 24:43 Will the Career & Income Course be in the RPF Academy? 33:16 Should I take a voluntary buyout offer of 6 months of pay? Enjoy! Joshua To join me on next week's call, go to https://patreon.com/radicalpersonalfinance  Join the Radical Personal Finance Academy! www.RPFacademy.com

Nov 22, 2024 • 1:07:16

1068-RPF Academy: Walking With You Step-by-Step to Financial Freedom

1068-RPF Academy: Walking With You Step-by-Step to Financial Freedom

I want 2025 to be your best and most profitable year yet! And I'd like to ask you to give me the opportunity to coach you week-by-week towards that goal. I'm excited to introduce you to my new semi-private coaching program: www.RPFacademy.com Listen to the podcast for all the specific details as to what I am offering to you and why I think this solves so many important problems in the world of financial advice. Then, please go sign up today at www.RPFacademy.com ! Thank you, Joshua

Nov 15, 2024 • 59:28

1067-Friday Q&A: Liability Insurance Amounts, Gifting Money, International Privacy, Pathways to Financial Advisor

1067-Friday Q&A: Liability Insurance Amounts, Gifting Money, International Privacy, Pathways to Financial Advisor

On today's Friday Q&A show we discuss: 1:01 How do I know how much liability insurance to buy? 8:26 Can my mom gift me money instead of paying me rent? 13:51 I'm interested in international privacy...what should I do first? 38:50 How do I decide my best pathway into becoming a financial advisor? To join me next week, go here: https://patreon.com/RadicalPersonalFinance Enjoy! Joshua

Nov 8, 2024 • 1:09:52

1066: You—And the Country—Are Ten Years From a Total Transformation; Don't Give Up!

1066: You—And the Country—Are Ten Years From a Total Transformation; Don't Give Up!

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Nov 6, 2024 • 33:50

1065-Understanding American Culture: American Football

1065-Understanding American Culture: American Football

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Oct 30, 2024 • 56:57

1064-Should I Relocate From Brazil to USA for More Opportunity?

1064-Should I Relocate From Brazil to USA for More Opportunity?

A Brazilian listener is wrestling with the idea of moving to the USA for more opportunities for his son. Let's see if we can find some solutions to his problem!

Oct 28, 2024 • 47:20

1063-Friday Q&A: Choosing Content, Renting House, Planning a Family Trip to Europe

1063-Friday Q&A: Choosing Content, Renting House, Planning a Family Trip to Europe

On today's Q&A podcast we cover: 1:00 How should we filter our content intake? 21:35 Should I rent out my big house to roommates?  44:52 How do we plan a family trip to Europe? If you'd like to join me next week, go here: https://patreon.com/radicalpersonalfinance Enjoy! Joshua

Oct 18, 2024 • 1:01:00

1062-Should I Focus On Getting a Different Job With Better Benefits?

1062-Should I Focus On Getting a Different Job With Better Benefits?

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Oct 16, 2024 • 8:00

1061-My Favorite Personal Finance School Curriculum Author: Stanley Schmidt, Life of Fred

1061-My Favorite Personal Finance School Curriculum Author: Stanley Schmidt, Life of Fred

On today's podcast I share with you an interview with the author of my favorite personal finance school curriculum: Stanley Schmidt. Enjoy! Financial Choices, Life of Fred Life of Fred Math Books Full Catalog Stanley Schmidt

Oct 15, 2024 • 1:31:28

1060-Financial Goals Everyone Should Set (11): Always Be Fully and Properly Insured

1060-Financial Goals Everyone Should Set (11): Always Be Fully and Properly Insured

Do I Need Insurance? A Mental Model to Analyze Methods of Dealing With Risk RPF0091

Oct 14, 2024 • 38:54

1059-Lessons I Learned From 6 Countries In Asia

1059-Lessons I Learned From 6 Countries In Asia

I have just returned from a 3-week Asia Tour and in today's podcast I want to tell you a little about the lessons I learned in South Korea, Indonesia, Singapore, Malaysia, China, and Hong Kong.

Oct 10, 2024 • 1:23:55

1058-Insight and Advice Related to Family Travel and International Living

1058-Insight and Advice Related to Family Travel and International Living

On today's podcast I share some hard-won lessons and insights into the challenges of family travel and international living and solutions to those problems.

Sep 27, 2024 • 55:57

1057-Privacy and Utopia: A History (with Gabriel Custodiet)

1057-Privacy and Utopia: A History (with Gabriel Custodiet)

Buy Gabriel's new book here, with a 15% discount: https://escapethetechnocracy.com/rpf

Sep 17, 2024 • 45:33

1056-Should I Move to the Suburbs or an Apartment with a Pool for My Children?

1056-Should I Move to the Suburbs or an Apartment with a Pool for My Children?

Why We Won't Raise Our Kids in Suburbia https://youtu.be/oHlpmxLTxpw?si=kU6WxaxPXTIKa1IY

Sep 13, 2024 • 22:27

1055-Financial Goals You Should Set (10): Pay Cash For Your First Home

1055-Financial Goals You Should Set (10): Pay Cash For Your First Home

Previous Episode 111:  Buying A House Debt-Free...In Your 20s! - Interview with Steve Maxwell RPF0111

Sep 9, 2024 • 37:34

1054-Financial Goals You Should Set (9): Own a Home

1054-Financial Goals You Should Set (9): Own a Home

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Sep 2, 2024 • 32:40

1053-Healthy Physical Development for Girls (So They Can Be Strong and Athletic)

1053-Healthy Physical Development for Girls (So They Can Be Strong and Athletic)

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Aug 20, 2024 • 1:15:10

1052-Friday Q&A: Homeschool Curricula, Asset Protection for Missouri Residents

1052-Friday Q&A: Homeschool Curricula, Asset Protection for Missouri Residents

On today's Friday Q&A call we cover: 1:00 How to choose among high-quality homeschool curricula for advanced results 39:41 Are IRAs protected like 401(k)s in Missouri? To join me next week, go here: https://patreon.com/radicalpersonalfinance Enjoy! Joshua

Aug 16, 2024 • 41:03

1051-How to Earn More Money by Growing Taller (~2% more for every inch!)

1051-How to Earn More Money by Growing Taller (~2% more for every inch!)

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Aug 15, 2024 • 1:15:45

1050-Advice For a Happy Life

1050-Advice For a Happy Life

Advice for a Happy Life by Charles Murray (WSJ)

Aug 14, 2024 • 14:50

1049-How to Intentionally Create a World-Class Genius From Scratch

1049-How to Intentionally Create a World-Class Genius From Scratch

How to Use Deliberate Practice to Reach the Top 1% of Your Field By Nat Eliason Peak: Secrets from the New Science of Expertise by Anders Ericsson Talent is Overrated: What Really Separates World-Class Performers from Everybody Else by Geoff Colvin  Range: Why Generalists Triumph in a Specialized World Paperback by David Epstein

Aug 12, 2024 • 2:02:33

1048-Friday Q&A: Joining a Family Business, Franchises, Pushing Children to Excel, CPS at the Door, Budgeting after a Windfall

1048-Friday Q&A: Joining a Family Business, Franchises, Pushing Children to Excel, CPS at the Door, Budgeting after a Windfall

On today's Q&A show we discuss: 1:30 Should I join the family business or go my own way? 21:54 Should I pursue a franchise business? 28:47 Should we push our children to excel in areas they aren't naturally skilled or interested? 47:05 Additional comments on how to deal with CPS at your door 1:06:37 My windfall income is decreasing...how do I start budgeting now?

Aug 9, 2024 • 1:15:22

1047-Financial Goals You Should Set (8): Debt-Free for Life

1047-Financial Goals You Should Set (8): Debt-Free for Life

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Aug 8, 2024 • 27:41

1046-Swapping out Apartment Life for Van Life to Save Money?

1046-Swapping out Apartment Life for Van Life to Save Money?

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Aug 7, 2024 • 39:00

1045-Keep the Tools of Adventure Ready to Go (And You'll Have Way More Adventure!)

1045-Keep the Tools of Adventure Ready to Go (And You'll Have Way More Adventure!)

Detailed expenses on 2.5 years of travel: https://youtu.be/8A1f_rYT4TI?si=TD_c_dRVcMl2C2C5

Aug 6, 2024 • 39:07

1044-What to do When Child Protective Services Knocks On Your Door

1044-What to do When Child Protective Services Knocks On Your Door

An Anti-Christian Reddit Group Falsely Reported A Family To Child Services. DeSantis Says Florida Won’t Stand For It. Family alleges anti-Christian Reddit group conspired, sent in false DCF reports while on Florida camping trip AmericanFamilyRoadTrip Instagram Posts Part One and Part Two Defending the Innocent from Child Protective Services by Derek Bootle MS. MBA

Aug 2, 2024 • 1:06:51

1043-Financial Goals You Should Set (7): Own a Dwelling Place, Free & Clear!

1043-Financial Goals You Should Set (7): Own a Dwelling Place, Free & Clear!

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Jul 31, 2024 • 33:03

Errata et eorum causa (in Roth IRA show)

Errata et eorum causa (in Roth IRA show)

2024 IRS Contribution Limits

Jul 30, 2024 • 14:59

1042-Financial Goals You Should Set (6): Max Out A Roth IRA Every Single Year

1042-Financial Goals You Should Set (6): Max Out A Roth IRA Every Single Year

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Jul 29, 2024 • 40:23

1041-Financial Goals You Should Set (5): Get As Much of the Highest-Quality Education You Possibly Can, As Soon As You Can

1041-Financial Goals You Should Set (5): Get As Much of the Highest-Quality Education You Possibly Can, As Soon As You Can

Goal 5: Get as much of the highest quality education you possibly can, as soon as you can.

Jul 25, 2024 • 53:52

1040-Friday Q&A: IT Outages, Preparing a Business for Sale, Scarcity Mindset, Mass Inflation, Teaching Children About Money, etc.

1040-Friday Q&A: IT Outages, Preparing a Business for Sale, Scarcity Mindset, Mass Inflation, Teaching Children About Money, etc.

On today's Q&A show we discuss: 1:00 IT Outages 4:08 How can I prepare my lawn care business for sale? 29:11 How do I overcome a scarcity mindset? 48:00 Should I learn a new skill that may not be relevant to my career? 1:03:23 How can I plan for long-term mass inflation? 1:23:28 How can I help my children learn about money? 1:41:49 What are the categories of high-paying jobs? 1:48:59 I'm eligible for a free-money grant; what should I do with it? If you'd like to join me next week, go here: htt

Jul 19, 2024 • 2:03:56

1039-Financial Goals You Should Set (4): Build a Career Plan to Get Into the Top 20%

1039-Financial Goals You Should Set (4): Build a Career Plan to Get Into the Top 20%

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Jul 18, 2024 • 37:58

1038-Financial Goals You Should Set: (3) Give Away 10% From the Very Beginning

1038-Financial Goals You Should Set: (3) Give Away 10% From the Very Beginning

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Jul 17, 2024 • 37:41

1037-A Few Useful Lessons and Inspiration from Trump and the Assassination Attempt

1037-A Few Useful Lessons and Inspiration from Trump and the Assassination Attempt

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Jul 16, 2024 • 24:42

1036-Friday Q&A: Internationalization for Indians, Selling Assets to Get Out of Debt, Lifestyle Design, Saving for a New Car, etc.

1036-Friday Q&A: Internationalization for Indians, Selling Assets to Get Out of Debt, Lifestyle Design, Saving for a New Car, etc.

On today's Friday Q&A show we discuss: 1:20 How should a young Indian immigrant to the USA think about internationalization options? 28:04 Should I sell assets to get out of a debt mess? Which assets? 51:30 How do I design a lifestyle where I don't want to quit working? 1:15:20 Should I save for a new car or invest instead? 1:30:49 What makes the son of a rich man more successful than others? 1:45:30 Should I take a voluntary severance package or keep my job? To join me next week, go here: htt

Jul 12, 2024 • 1:56:20

1035-Financial Goals You Should Set: (2) Save Half, Spend Half

1035-Financial Goals You Should Set: (2) Save Half, Spend Half

For a deep-dive on different savings rates, listen to this podast episode: 163-The Impact of Your Savings Rate on Your Time to Financial Independence (A Tribute to the Value of "The Shockingly Simple Math Behind Early Retirement")

Jul 11, 2024 • 34:27

1034-Financial Goals You Should Set (1): Get a Job

1034-Financial Goals You Should Set (1): Get a Job

Today we begin a new series of financial goals you should set that will inspire you towards financial abunance. On today's show I introduce the series and discuss Goal #1.

Jul 9, 2024 • 45:51

1033-Friday Q&A: Family Foundations, Career vs. Family, Diabetes Prep, Joshua on Twitter, Homeschool Chat

1033-Friday Q&A: Family Foundations, Career vs. Family, Diabetes Prep, Joshua on Twitter, Homeschool Chat

On today's Q&A show we cover: 1:32 Should I establish a Family Charitable Foundation for my young family? 16:50 How do I balance Career vs. Family in a potential job change? 31:00 My teenager was just diagnosed with Diabetes. How do I prep to keep her alive? 1:07:25 Why did Joshua disappear from Twitter? 1:17:27 Homeschoolin dad chat about reading level and effective teaching. Enjoy! Joshua To join me next week, go here: https://patreon.com/radicalpersonalfinance

Jul 5, 2024 • 1:45:47

1032-A Way of Life: Live Your Life in Daytight Compartments

1032-A Way of Life: Live Your Life in Daytight Compartments

A Way of Life: An Address to Yale Students, Sunday evening, April 20th, 1913 by William Osler

Jul 2, 2024 • 32:28

1031-Friday Q&A: FIRE at 35, Failed Residency Match after Med School, Regret Whole Life Insurance, Preventive Health Screening, etc.

1031-Friday Q&A: FIRE at 35, Failed Residency Match after Med School, Regret Whole Life Insurance, Preventive Health Screening, etc.

On today's Friday Q&A show we discuss: 1:30 I'm 31 and want to FIRE at 35...how do I get there? 24:00 I finished medical school but didn't get matched for residency; what should I do now? 42:22 I regret purchasing a whole life insurance policy 3 years ago; what should I do now? 1:07:19 Feedback and comments on Joshua's show on women working 1:39:49 What kind of preventive health screening should I do? 1:48:00 Dr. Shanahan suggests not having babies more frequently than 3 years separation; what

Jun 28, 2024 • 2:20:22

1030-Friday Q&A: Maximum Investment Cashflow, New Vehicle, Large Family Travel, Difficult College Decisions

1030-Friday Q&A: Maximum Investment Cashflow, New Vehicle, Large Family Travel, Difficult College Decisions

On today's Q&A show we discuss: 1:30 What should I invest in for maximum cashflow? 10:47 What kind of vehicle should I set up for maximum family travel fun? 20:32 I need to buy a new car; what should I buy? 32:38 How can a dyslexic child succeed most effectively in life? 40:00 How can a large family travel affordably? 1:04:30 How do we plan for difficult college decisions? Enjoy the show! Join me next week here: https://patreon.com/radicalpersonalfinance Joshua

Jun 21, 2024 • 1:37:20

1029-The Go-Getter: A Story That Tells You How to be One

1029-The Go-Getter: A Story That Tells You How to be One

Text of the story: https://www.gutenberg.org/cache/epub/12257/pg12257-images.html

Jun 20, 2024 • 1:03:42

Joshua's Request for You to Donate to this Worth Charitable Effort

Joshua's Request for You to Donate to this Worth Charitable Effort

In today's show I want to tell you about a charitable relief work that I have been involved with for almost 5 years now inside of various prisons in South America. I also want to ask you to please donate to the effort so that I can expand the impact. Donate with a credit card directly here: https://donate.stripe.com/14k2aDcFdeS73dubII  Donate directly using Paypal here: https://paypal.me/joshuasheats  Thank you very much, Joshua p.s., all the details are in the audio. Please listen!

Jun 17, 2024 • 26:36

1028: As Rich as Croesus

1028: As Rich as Croesus

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Jun 17, 2024 • 7:15

1027: Should Women Work?

1027: Should Women Work?

I admit it; the title is a little bit of clickbait. I received a set of important and cogent questions from a concerned mother-of-daughters who was wrestling with some of my male-oriented comments and advice recently. In this episode I seek to thoughtfully explore and articulate the differences between male and female career aspirations and leadership in society and discuss openly some of the challenges we currently face. This episode was quite difficult to do because in our current public discu

Jun 12, 2024 • 2:12:49

1026: Friday Q&A: Pay Cash for House or Get a Mortgage, Full-Time RV Living, Death Plan for Information, Philosophy of Business

1026: Friday Q&A: Pay Cash for House or Get a Mortgage, Full-Time RV Living, Death Plan for Information, Philosophy of Business

On today's Friday Q&A show we discuss: 1:24 Should I pay cash for my new house or get a mortgage? 12:01 I'm heading off for full-time RV living in the Western USA. What should I think about? 21:54 How can I set up a plan for my important information in case of sudden death? 44:50 A discussion of the philosophy of business that will endure through crises and generations To join me for the call next week, go here: https://patreon.com/RadicalPersonalFinance

Jun 7, 2024 • 1:23:28

1025: The Rich Should Leave Their Wealth to Their Children, Not to Charity

1025: The Rich Should Leave Their Wealth to Their Children, Not to Charity

By Johann Kurtz on X, and on Substack. Johann's follow-up essay "Raising children worthy of empires" is also good.

Jun 6, 2024 • 14:32

1024: If Only I Had...

1024: If Only I Had...

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Jun 3, 2024 • 12:35

1023: The Highest Paying Summer Job for Teens

1023: The Highest Paying Summer Job for Teens

I have a handful of consulting appointments still available at a discounted price for next week. https://radicalpersonalfinance.com/consult

May 30, 2024 • 38:29

1022: Prepare for Sudden Death

1022: Prepare for Sudden Death

I have a handful of private phone appointments still availble this week: https://radicalpersonalfinance.com/consult

May 29, 2024 • 50:23

1021: Friday Q&A: Too Much Money To Know What To Do With, Trades vs. Knowledge Work, Saving Capital Gains Taxes

1021: Friday Q&A: Too Much Money To Know What To Do With, Trades vs. Knowledge Work, Saving Capital Gains Taxes

On today's Q&A podcast we discuss: 1:59 I just retired with a military pension in addition to a job and now have way more money available than I ever dreamed. What should I do with it? 28:11 Are the trades boring like Joshua said? Shouldn't more people consider them? 48:00 I need to sell some appreciated stock. How can I reduce my capital gains taxes? To join me next week, go here: https://patreon.com/radicalpersonalfinance Joshua p.s., limited consulting appointments are currently availble: h

May 24, 2024 • 58:42

14 Consulying Appointment Left for Next 2 Weeks; Book Now!

14 Consulying Appointment Left for Next 2 Weeks; Book Now!

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May 23, 2024 • 0:37

1020: The Death of the Nation State?

1020: The Death of the Nation State?

Consulting is open...60% sold out...book today: https://radicalpersonalfinance.com/consult

May 21, 2024 • 1:20:15

1019: We're Doomed

1019: We're Doomed

Limited consultation appointments available now: https://radicalpersonalfinance.com/consult  Episode 629-[In-Depth Version] Federal Debt: The Ticking Bomb that No One is Willing to Defuse

May 20, 2024 • 18:39

1018: Friday Q&A: Entity Selection for a Business and One Parent One Language Acquisition for Children

1018: Friday Q&A: Entity Selection for a Business and One Parent One Language Acquisition for Children

On today's Friday Q&A we discuss: 1:30 What kind of entity to establish for a consulting business. 12:59 How to do One Parent One Language for your children's language aquisition. To join me on next week's podcast, go here: https://patren.com/radicalpersonalfinance Limited consulting calls are open at the moment: https://radicalpersonalfinance.com/consult  Enjoy! Joshua

May 17, 2024 • 26:51

Book a Call with Joshua Now! 50 Consulting Appointments Available for May/June...

Book a Call with Joshua Now! 50 Consulting Appointments Available for May/June...

Hey Radicals! Quick announcement that I've opened 50 consulting slots for anyone who is interested in speaking to me for a consulting call in the last week of May or the first week of June. You can book your consulting call here: https://radicalpersonalfinance.com/consult  These usually sell out, so please book as soon as you're able to! I hope to talk to you soon. Joshua

May 17, 2024 • 2:09

1017: The Ultimate Freedom Machine!

1017: The Ultimate Freedom Machine!

Today I want to introduce you to the ultimate freedom machine to expand your horizons and fatten your wallet! Joshua

May 16, 2024 • 38:22

1016: Things Young Men Should Do in 2024

1016: Things Young Men Should Do in 2024

https://x.com/Indian_Bronson/status/1741862555218522361

May 14, 2024 • 23:42

1015: Friday Q&A: Deleting a Social Security Number for your Child, UTMA Accounts, Sell Old House or Keep as Rental

1015: Friday Q&A: Deleting a Social Security Number for your Child, UTMA Accounts, Sell Old House or Keep as Rental

On today's podcast we discuss: 1:40 Should I get my child a social security number? 19:54 Why you should open a UTMA account for your children 34:10 Natural baby-birthing experiences  39:10 Should I sell my old house or keep it as a rental? Join me for next week's call at https://patreon.com/RadicalPersonalFinance  Enjoy! Joshua

May 10, 2024 • 52:58

1014: How To Avoid Being Nailed By a State Income Tax Auditor

1014: How To Avoid Being Nailed By a State Income Tax Auditor

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May 9, 2024 • 31:38

1013: Financially Productive Characteristics to Look for In a Potential Spouse

1013: Financially Productive Characteristics to Look for In a Potential Spouse

We know that your choice of spouse is going to make an enormous difference in your long-term financial success (household income and wealth-building) as well as potential failure (divorce, high expenses) and that of your progeny. But what specifical characterstics and qualities should an unmarried person look for in a potential spouse that would probably lead to a great long-term outcome? In today's podcast I'm going to give you my list as a good starting point.

May 6, 2024 • 3:01:46

1012: A Useful Framework to Find and Attract the Spouse of Your Dreams

1012: A Useful Framework to Find and Attract the Spouse of Your Dreams

In today's podcast, I share three ideas: Why marriage is a core personal finance issue. Why marrying young is the best strategy for long-term outcomes. How to optimize your personal strategy to find and attract a world-class spouse. Joshua Relationships map discussed in the show: https://youtu.be/n4aMiAesXjE?si=0_eK2etFlTZu15iq

May 1, 2024 • 2:09:02

1011: My Post-Event Report on the Inaugural RPF Family Camp

1011: My Post-Event Report on the Inaugural RPF Family Camp

We wrapped up a phenomenal inaugural RPF Family Camp a couple of weeks ago and I want to give you a personal report. I hope to see you at the next one!

Apr 30, 2024 • 25:10

1010: Friday Q&A: Building Work Ethic and Character, Taking Drugs and Getting Plastic Surgery, Overcoming Risks for Full-Time Moms

1010: Friday Q&A: Building Work Ethic and Character, Taking Drugs and Getting Plastic Surgery, Overcoming Risks for Full-Time Moms

On today's Friday Q&A show we discuss: 1:27 Should we pass our children through a grueling gauntlet of work and study to build character and work ethic in them? 36:00 Should we take drugs (either actual or get-rich-quick schemes) to get faster results? 51:23 Should we get plastic surgery to be more appealing to a potential spouse? 59:26 I'm considering becoming a full-time mom: 1) How can I combat the risk of losing social contact with adults and intellectual stimulation? 2) How can I enhance

Apr 26, 2024 • 1:45:15

1009: U.S. Fertility Rate Falls to Record Low! How Can We Invest Money To Get More Babies?

1009: U.S. Fertility Rate Falls to Record Low! How Can We Invest Money To Get More Babies?

...

Apr 25, 2024 • 3:00:47

1008: We Got Him! The Demise of the IRS Whistleblower and What We Need to Learn From It

1008: We Got Him! The Demise of the IRS Whistleblower and What We Need to Learn From It

The IRS whistleblower was caught and imprisoned. That's great news. But the problem doesn't go away. www.HackProofCourse.com

Apr 23, 2024 • 33:25

1007: Friday Q&A: Costs of Motherhood, International Snow-Bird Adventures for Employees, Tithing on Investments, Abortion Debate, AI Dominating AI and Bookkeeping

1007: Friday Q&A: Costs of Motherhood, International Snow-Bird Adventures for Employees, Tithing on Investments, Abortion Debate, AI Dominating AI and Bookkeeping

In today's Friday Q&A Show we discuss: 1:30 How could an expectant mother build a financial model as for when it makes sense for her to leave her job to be a full-time mother? 18:05 A listener's real story of an international snow bird adventure in South Africa 31:45 How should I tithe on the growth of my investments? 37:25 Human abortion: discussion on why Christians oppose it and how we can figure out when personhood begins 1:43:51 Why does Joshua think that AI will dominate bookkeeping and a

Apr 19, 2024 • 1:54:56

1006: Building Enormous Wealth Efficiently Through Business Abroad: Interview with Andrew Henderson

1006: Building Enormous Wealth Efficiently Through Business Abroad: Interview with Andrew Henderson

On today's podcast we discuss Andrew Henderson's, The Nomad Capitalist's pathway to wealth and his global ambitions. Enjoy! (Note: I will be speaking at Nomad Capitalist Live in Malaysia in September. Come hang out! https://nomadcapitalist.com/live/ )

Apr 15, 2024 • 56:09

Come Join Me at Nomad Capitalist Live in September!

Come Join Me at Nomad Capitalist Live in September!

I will be speaking at Nomad Capitalist Live September 25-28 in Kuala Lumpur Malaysia. This is an awesome event in the world of international planning and boy do we need more international redundancy right now! Please come join me and let's hang out! Sign up here: https://nomadcapitalist.com/live/

Apr 15, 2024 • 4:09

1005: How to Navigate the Social Financial Complexities of Dining Out So You Can Have a Great Social Life Without Breaking the Bank

1005: How to Navigate the Social Financial Complexities of Dining Out So You Can Have a Great Social Life Without Breaking the Bank

Today on the podcast, I cover something that is intensely practical: How to handle the social complexities of mixed dining. You know the feeling...you've gone to a nice dinner with friends, the bill arrives, and no one reaches for it. Now what? The 2-Hour Cocktail Party: How to Build Big Relationships with Small Gatherings by Nick Gray The Hospitality Commands: Building Loving Christian Community: Building Bridges to Friends and Neighbors by Alexander Strauch

Apr 2, 2024 • 1:21:15

1004: Don't Wait to Have Babies Until You Can "Afford It"

1004: Don't Wait to Have Babies Until You Can "Afford It"

Is it good to be financially prepared before having children? Yes, it is. But it doesn't take all that long to accomplish this. Perhaps a year at most. Let's talk about the real preparations that are necessary and those that aren't.

Mar 21, 2024 • 1:59:27

1003: Don't Wait For Marriage Until You Can "Afford It"

1003: Don't Wait For Marriage Until You Can "Afford It"

If you want to marry and you've found a great potential spouse, you should marry. Don't wait until you can "afford it." In this podcast, I'll explain why and how.

Mar 18, 2024 • 1:34:23

1002: Lessons From The Collapse of Haiti

1002: Lessons From The Collapse of Haiti

www.InternationalEscapePlan.com

Mar 11, 2024 • 10:24

1001: Cheap Books, Guiding Young People to Wealth, Divorce Advice, Masters Degrees

1001: Cheap Books, Guiding Young People to Wealth, Divorce Advice, Masters Degrees

On today's Q&A podcast we discuss: 1:29 How to find cheap or free books 5:00 Good program for mens groups to use 8:24 How do I guide a 15-year-old to wealth? 40:30 How to carefully navigate the ending of a marriage 1:16:25 Should I take a Master's Degree in Business to help me in my entrepreneurial role? To join me on next week's Q&A show, go here: https://patreon.com/radicalpersonalfinance

Mar 8, 2024 • 1:49:17

1000: Episode 1,000: The Story of the Accomplishment of My Ten-Year Goal

1000: Episode 1,000: The Story of the Accomplishment of My Ten-Year Goal

Thank you. From the bottom of my heart, thank you for being here with me for a ten-year journey.  Joshua

Mar 5, 2024 • 1:49:24

999: Friday Q&A: Financial Privacy, UTMA Accounts, Business Curriculum, Company Stock, Family-Owned Business, etc.

999: Friday Q&A: Financial Privacy, UTMA Accounts, Business Curriculum, Company Stock, Family-Owned Business, etc.

On today's Q&A podcast we discuss: 1:43 If we try to keep financial privacy about our affairs, won't we miss out on some very valuable financial conversations? 20:02 I have UTMA accounts for my children. Is that a problem? 25:39 Should we incorporate a business curriculum into our homeschool curriculum? 41:41 How do we handle excessive children's growth opportunitites like gymnastics? 46:50 How do I figure out how much company stock to keep vs. sell? 53:58 How do I choose a high-quality charity

Mar 1, 2024 • 2:03:27

998: The Credit Card Hacking and Points Game Isn't Worth It (except for these people)

998: The Credit Card Hacking and Points Game Isn't Worth It (except for these people)

...

Feb 26, 2024 • 36:51

997-Choose Your Beliefs About Money

997-Choose Your Beliefs About Money

The inaugural Radical Personal Finance Family Camp is sold out, but there is a waitlist. (I'm working on securing some more cabins.) Go to www.RadicalFamilyCamp.com to register for the waitlist.

Feb 21, 2024 • 40:29

996: Friday Q&A: Moving Closer to Family, Allowances for Children, Swapping Real Estate for Bitcoin, etc.

996: Friday Q&A: Moving Closer to Family, Allowances for Children, Swapping Real Estate for Bitcoin, etc.

On today's Friday Q&A podcast we cover: 1:30 Should I reject a substantial promotion in order to move closer to my family? 18:58 Should I give my children an allowance? 37:26 How do I build a long-term vision for my life after children? 52:10 Should I sell my real estate and invest all the money into Bitcoin? 1:09:11 What are Joshua's affirmations? 1:30:21 Will Texas secede from the USA? Enjoy! Joshua To join me on next week's Q&A podcast, go here: www.patreon.com/radicalpersonalfinance  To s

Feb 17, 2024 • 1:41:02

995: Please Come to the Inaugural RPF Family Camp!

995: Please Come to the Inaugural RPF Family Camp!

Please come to the inaugural Radical Family Camp in Seymour, Indiana April 11-14, 2024. All the detail and tickets are here: www.radicalfamilycamp.com  (A few people seem to be having trouble with my forwarding link above. If you have any issues, here's the direct link to the Eventbrite page: https://www.eventbrite.com/e/radical-personal-finance-family-camp-tickets-825667091497 )

Feb 15, 2024 • 35:40

994: Solving the Immigration Crisis in the USA

994: Solving the Immigration Crisis in the USA

Fair warning: today's podcast topic will have only limited interest, as it's outside the normal guidlines of "personal finance." I'm recording the show in response to a question from a long-time listener who wanted my input on a specific topic: the current immigration crisis. This is clearly an important topic, but one that has only a peripheral connection to personal finance. If you're interested in hearing my extensive thoughts on the immigration crisis and topic in general, listen to this sho

Feb 8, 2024 • 1:45:04

993: Are Wealth and Poverty Infectious Diseases?

993: Are Wealth and Poverty Infectious Diseases?

Only 7 consulting slots left. Book now! https://radicalpersonalfinance.com/consult

Jan 24, 2024 • 36:36

992: Friday Q&A-Starting an Audio Podcast in 2024, Cash, More Cash, Impact of Family on Job

992: Friday Q&A-Starting an Audio Podcast in 2024, Cash, More Cash, Impact of Family on Job

On today's Q&A we discuss: 2:12 Should I start an audio podcast? 13:01 How do I reestablish my cash position? 29:00 How do I generate additional cash to build my house? 36:10 WWJD in choosing between job and daddy mode? Enjoy! Joshua

Jan 19, 2024 • 1:23:51

Thirty-One Consulting Appointments Available for January Sale

Thirty-One Consulting Appointments Available for January Sale

Would you like to speak to me for a private consulting appointment at a discounted rate? Book now during my January sale: https://radicalpersonalfinance.com/consult  This is what Estela said about working with me: "Consulting with Joshua was insightful. He focuses on your question, makes you think about it, and gives you a clear answer and direction." Estela L.

Jan 18, 2024 • 4:12

991: Every Invisible Dollar is Worth Double Every Visible Dollar

991: Every Invisible Dollar is Worth Double Every Visible Dollar

...

Jan 18, 2024 • 50:45

990: Friday Q&A: Languages for Children, Moving to the USA, Happiness

990: Friday Q&A: Languages for Children, Moving to the USA, Happiness

On today's Q&A show we discuss: 1:38 English is not my native language. Should I try to raise my child in English to help him or her advance? 7:47 I am a young German student and I want to become a financial planner in the USA. How do I do that? 35:38 Should we pursue happiness as a goal?

Jan 12, 2024 • 56:02

989: Everyone is Moving to the Metropole

989: Everyone is Moving to the Metropole

https://www.palladiummag.com/2022/08/16/in-an-aging-world-the-metropole-beckons/

Jan 9, 2024 • 33:18

988: Friday Q&A: Critiques of Joshua's Recent Advice, Too Many Businesses, Too Little Time, Converting Term to Whole Life

988: Friday Q&A: Critiques of Joshua's Recent Advice, Too Many Businesses, Too Little Time, Converting Term to Whole Life

On today's Friday Q&A show we discuss: 1:31 Joshua's recent advice wasn't great...why? 22:45 I'm working like a maniac on a bazillion different businesses...how do I focus myself on what really matters? 1:02:16 Should I convert my term life insurance to whole life insurance? Enjoy! Joshua Join me in Panama in 2 weeks: https://expatmoney.com/radical  Join me on next week's Q&A: https://patreon.com/radicalpersonalfinance

Jan 5, 2024 • 1:20:03

987: Invest Your Money Into Founding a Great House To Change the World

987: Invest Your Money Into Founding a Great House To Change the World

Come to Panama in 2 weeks with me! https://expatmoney.com/radical  How to Found a Great House and Become a Prince https://www.mythpilot.com/p/how-to-found-a-great-house

Jan 4, 2024 • 1:01:33

986: New Year's Q&A: What Do I Do With a Bunch of Extra Money, Financial Planning for Single Guy, Maintain Privacy with New Business, etc.

986: New Year's Q&A: What Do I Do With a Bunch of Extra Money, Financial Planning for Single Guy, Maintain Privacy with New Business, etc.

On today's Q&A podcast we discuss: 1:35 I'm saving way more money than I need to. What should I do instead? 13:06 I intend to stay single for life. What financial planning should I focus on to take care of myself? 29:13 I want to build an advice business and still maintain my privacy. How do I do that? 40:18 How do I set up a new partnership agreement in my medical practice? 53:08 My wife and I are expecting our first baby. What should we do to prepare? 1:07:25 How do I protect an elderly person

Jan 1, 2024 • 3:06:24

985: How to Save Up A Down Payment to Buy Your Own Home

985: How to Save Up A Down Payment to Buy Your Own Home

This audio was recorded as part of a recent Friday Q&A show, just before Christmas. There were two callers, but I made an error in my analysis in answering the first question, so I have excised that call from the show. But I think you'll enjoy this call dealing with how to save up money for a house. Joshua

Dec 27, 2023 • 29:55

REPLAY: 838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

REPLAY: 838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

Today, let's discuss how you can enjoy a truly rich Christmas—nay, a truly rich life. Joshua Originally released December 23, 2021 If you'd like to follow along with my reading, you can find the text here: https://www.gutenberg.org/files/19337/19337-h/19337-h.htm

Dec 20, 2023 • 2:46:31

984: Friday Q&A:

984: Friday Q&A:

On today's Friday Q&A we discuss: 1:35 Internationalization for Europeans 14:48 How to record audiobooks for your children 23:17 Should I buy a Whole Life Insurance policy? 53:11 Should I buy a business or start my own? 1:04:40 Is Joshua still worried about famine? 1:09:35 Should I learn two languages at the same time? 1:14:56 I got engaged recently and need to start working on a prenuptial agreement. Where do I begin? 1:32:41 I'm driving trucks but want to move in a different direction; what n

Dec 15, 2023 • 2:16:46

983: The American Dream Costs More Than The Average American Makes...Is the American Dream Dead?

983: The American Dream Costs More Than The Average American Makes...Is the American Dream Dead?

The "American Dream" costs far more than most people will earn over their lifetime The American Dream Now Costs $3.4 Million The College Payoff: Education, Occupations, Lifetime Earnings

Dec 13, 2023 • 30:55

982: Friday Q&A: Learning Spanish, Financial Windfalls, Tax Preparers, Paperless Finances, Podcasts vs. Books, Effeminate Men at Church

982: Friday Q&A: Learning Spanish, Financial Windfalls, Tax Preparers, Paperless Finances, Podcasts vs. Books, Effeminate Men at Church

On today's Q&A show we discuss: 1:51 What are the first three resources I should use to learn spanish 12:32 How should I transfer my money into the USA? 16:32 What do I do with an unexpected windfall? 20:48 How do I find a good tax preparer for my real estate business? 30:45 Should I sell my old rental house tax free or keep it? 42:44 I want to become a financial minimalist. How do I streamline things? 52:14 Should I listen to podcasts or audio books? 1:00:58 Should I switch to a paperless house

Dec 8, 2023 • 1:54:21

981: 🇵🇦Panama Is a World-Class Destination for Your International Plans; Here's Why - Interview with Mikkel Thorup from Expat Money

981: 🇵🇦Panama Is a World-Class Destination for Your International Plans; Here's Why - Interview with Mikkel Thorup from Expat Money

Today I interview Mikkel Thorup on the nation of Panama and some of the ways it can be useful for you and for me. Come join the Panama Investment Tour we are hosting in January! https://expatmoney.com/radical

Nov 27, 2023 • 38:36

"An Old-Fashioned Thanksgiving" by Louisa May Alcott

"An Old-Fashioned Thanksgiving" by Louisa May Alcott

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving." The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year. But this story is filled with financial lessons for those with ears to hear. As you listen to a life of long ago (circa 1830), I'd

Nov 23, 2023 • 40:00

980: Why I Will Move Back to the USA (Probably)

980: Why I Will Move Back to the USA (Probably)

Huge Black Friday Sale going on right now! Join me in Panama for an outstanding internationalization event! https://expatmoney.com/radical  www.InternationalEscapePlan.com (my internationalization course) www.BitcoinPrivacyCourse.com (How to buy private Bitcoin) www.HackproofCourse.com (Protect your identity and personal information in 2024!)

Nov 22, 2023 • 1:29:44

Black Friday Sale is live

Black Friday Sale is live

50% off! PRIVATE CRYPTOCURRENCIES: How to Buy, Own, and Use Non-KYC Bitcoin Like a True Radical 50% off! HACKPROOF: How to Beat Fraudsters, Prevent Identity Theft, and Say Goodbye to Cybercrime 50% off! INTERNATIONAL ESCAPE PLAN: How to Create a Sensible, International Bugout Plan to Protect You Against Economic Collapse, Tyranny, War, or Anything Else

Nov 21, 2023 • 10:18

979: Friday Q&A: Mental Models, Good Starter Estate Plan, AI, Barefoot Shoes, Prepare Food, Peter Zeihan, and more!

979: Friday Q&A: Mental Models, Good Starter Estate Plan, AI, Barefoot Shoes, Prepare Food, Peter Zeihan, and more!

On today's Friday Q&A we discuss: 1:30 What mental models can I use to decide among jobs? 26:01 How should I set up my estate plan for my children? 43:03 Is AI a dangerous weapon? 44:52 Joshua's barefoot shoes 47:30 How can I do healthy prepper food? 56:30 Why is Peter Zeihan wrong? 1:11:14 What is happening with pot consumption in the USA? 1:17:00 How do you get free of back pain? Enjoy! Joshua Join me on next week's Q&A: https://patreon.com/radicalpersonalfinance  Join me in Panama for a we

Nov 17, 2023 • 1:22:18

978: Why I Left the USA, Part 4, For Me

978: Why I Left the USA, Part 4, For Me

I've been releasing this series as part of my promotion for my forthcoming event in Panama. Come hang out with me and make your own International Plan! https://expatmoney.com/radical  Or buy my course and just do it yourself: http://www.internationalescapeplan.com

Nov 16, 2023 • 55:01

977: Why I Left the USA - Part 3, For My Children

977: Why I Left the USA - Part 3, For My Children

Come spend a week with me in Panama working on your international plan! https://expatmoney.com/radical  Or buy my course and just do it yourself: http://www.internationalescapeplan.com

Nov 13, 2023 • 1:02:51

976: Why I Left the USA - Part 2, For Adventure

976: Why I Left the USA - Part 2, For Adventure

http://expatmoney.com/radical  www.InternationalEscapePlan.com

Nov 1, 2023 • 43:21

975: Completely Stranded in the Caribbean for 2 Years!

975: Completely Stranded in the Caribbean for 2 Years!

Original story: https://x.com/intrepid_p/status/1718021366329565586?s=20  Sign up for my Panama Internationalization and Investment Event! https://expatmoney.com/radical

Oct 31, 2023 • 19:17

974: Why I Left the USA - Part 1

974: Why I Left the USA - Part 1

I've never shared publicly my own personal reasons for leaving the USA. In this podcast, I begin that process. This will help you to consider your own situation and your reasons for leaving or staying in your country. https://internationalescapeplan.com  https://expatmoney.com/radical

Oct 30, 2023 • 59:13

973: Friday Q&A: Should I Become a US Citizen, Should I Invest My Money Into Treasuries, Switch Health Insurance, Preparing for In-Laws Moving In

973: Friday Q&A: Should I Become a US Citizen, Should I Invest My Money Into Treasuries, Switch Health Insurance, Preparing for In-Laws Moving In

On today's Q&A show we discuss: 01:29 Should I become a US Citizen? 29:51 Should I invest into US Treasuries given today's high interest rates? 53:39 What books is Joshua currently reading? 55:21 Should I switch to a low-deductible health insurance plan? 57:56 What can I do to prepare for my in-laws to move in? To join me on next week's call, go to https://patreon.com/radicalpersonalfinance  Joshua

Oct 14, 2023 • 1:09:39

972: Most Important Steps to Plan for Aging Family Members

972: Most Important Steps to Plan for Aging Family Members

...

Oct 13, 2023 • 40:47

971: Prepare When Times Are Good; Invest When Times Are Bad

971: Prepare When Times Are Good; Invest When Times Are Bad

www.InternationalEscapePlan.com  www.expatmoney.com/radical

Oct 9, 2023 • 40:18

970: Embrace Your Privilege

970: Embrace Your Privilege

Come to my event in Panama City in January!  https://expatmoney.com/radical

Oct 4, 2023 • 24:42

969: Friday Q&A: Resume Gaps, Speed Reading, High-Cost 403(b), New Job & Career

969: Friday Q&A: Resume Gaps, Speed Reading, High-Cost 403(b), New Job & Career

On today's Friday Q&A we discuss: 01:19 Should I be worried about a gap on my resume from going back to college? 12:30 Should I learn to speed read? 34:25 What should I do with my super-expensive 403(b)? 43:12 How do I decide on a new job and career after quitting a bad one? Enjoy! Join me next week for the Q&A call: https://patreon.com/radicalpersonalfinance Come to my event in Panama! https://expatmoney.com/radical

Sep 29, 2023 • 1:11:57

968: What the Young Man Should Know

968: What the Young Man Should Know

What the Young Man Should Know by Robert Littell, from the March 1933 issue of Harper's Magazine

Sep 28, 2023 • 34:55

967: Friday Q&A: Fix It Up or Sell It, Are CHSM Shares Tax-Deductible, Financial Discussions in Marriage, Math Academy, Ambleside Online

967: Friday Q&A: Fix It Up or Sell It, Are CHSM Shares Tax-Deductible, Financial Discussions in Marriage, Math Academy, Ambleside Online

On today's Q&A show we discuss: 01:30 How to decide to fix up or sell a house 14:36 Are Christian Healthcare Sharing Ministry share payments tax-deductible? 21:30 How should husbands and wives approach their financial discussions? 41:34 Does Joshua still love https://www.MathAcademy.com/? 01:13:00 Does Joshua still love https://www.AmblesideOnline.org/? Enjoy the show!  To gain access to the next Q&A show go to https://patreon.com/radicalpersonalfinance  Come hang out in 🇵🇦Panama🇵🇦 with me

Sep 25, 2023 • 1:59:55

966: You Must Build Texture and Variety into Your Future (and Children Will Help Enormously with This Task)

966: You Must Build Texture and Variety into Your Future (and Children Will Help Enormously with This Task)

Come to my event in Panama City in January! https://expatmoney.com/radical

Sep 20, 2023 • 40:50

965: Friday Q&A: Time in Business vs. Children, Consulting Offerings, 529 Accounts, Large Gifts, Etc.

965: Friday Q&A: Time in Business vs. Children, Consulting Offerings, 529 Accounts, Large Gifts, Etc.

On today's Q&A show we discuss: 00:54 How do I wrestle with the tension between time in my business and time with my children? 29:57 How can I structure the offerings of my new consulting business? 39:57 How do I start a lifestyle business? 57:49 Miscellaneous questions on 529 accounts. 1:08:13 My uncle wants to give a gift to my children. How do I do that?

Sep 15, 2023 • 1:18:32

964: Responding to Senator McConnell's Economic Plan (War is a Racket by the Maverick Marine, Major General Smedley Butler)

964: Responding to Senator McConnell's Economic Plan (War is a Racket by the Maverick Marine, Major General Smedley Butler)

PDF: https://www.ratical.org/ratville/CAH/warisaracket.pdf Come hang out with me in Panama! https://expatmoney.com/radical

Sep 11, 2023 • 50:50

963: Friday Q&A: Ladybird Deed, Banking in Canada, Why You Should Have a Family Bank

963: Friday Q&A: Ladybird Deed, Banking in Canada, Why You Should Have a Family Bank

On today's Q&A show we discuss: 1:00 Should I do a Ladybird Deed on my Florida house? 14:27 How do I open a bank account in Canada? 36:11 Why should I set up a "family bank"? Enjoy! Joshua Join me on next week's Q&A show: https://patreon.com/radicalpersonalfinance  Come to Panama with me in January! https://expatmoney.com/radical

Sep 8, 2023 • 56:33

962: How to 10x Your Income (The 1000% Formula)

962: How to 10x Your Income (The 1000% Formula)

https://expatmoney.com/radical

Sep 7, 2023 • 31:29

961: Friday Q&A: Health Insurance Abroad, Becoming a Pilot, Taxes for a Nanny, Trustee Position, Etc.

961: Friday Q&A: Health Insurance Abroad, Becoming a Pilot, Taxes for a Nanny, Trustee Position, Etc.

On today's Q&A show we discuss: 00:38 How do I handle my health insurance while abroad? 6:04 I want to leave my teaching job and become a pilot. Should I do it? 19:28 How do I set up the taxes/wages for a nanny? 24:37 Should I accept a trustee position on a special needs trust? 28:53 Should I cash out my stock options or keep them? 38:29 How do you travel the world with small children? Enjoy! Get access to next week's call: https://patreon.com/radicalpersonalfinance  Come hang out with me in

Sep 1, 2023 • 1:07:36

960: Don't Look for Money Hacks or Life Hacks; Instead...

960: Don't Look for Money Hacks or Life Hacks; Instead...

Come spend a week with me in January on an investment tour of Panama! https://expatmoney.com/radical

Aug 28, 2023 • 47:27

959: How Do We Solve the Marriage and Birthrate Crisis? A Broad Introduction to the Current Problems

959: How Do We Solve the Marriage and Birthrate Crisis? A Broad Introduction to the Current Problems

We are living in a Marriage Crisis and are at the leading edge of a Global Population Crisis. People are having an enormously difficult time partnering successfully into stable, enduring marriages.  And those relationships are having a difficult time reproducing and bearing children. In coming episodes I want to discuss specific ideas that may help us to improve these trends. Today I want to simply introduce the topic and discuss why this is so foundational to our individual and collective succe

Aug 22, 2023 • 1:15:47

958: Friday Q&A: How to Figure Out What Career to Go Into, When Should You Spend More

958: Friday Q&A: How to Figure Out What Career to Go Into, When Should You Spend More

On today's Friday Q&A we discuss: 00:30 How to figure out what career to go into? 27:05 When should you go farther and spend more in order to patronize friends? To join me next week go to https://patreon.com/radicalpersonalfinance    Sign up for a personal consultation during my August sale: https://radicalpersonalfinance.com/consult  Come spend a week with me doing a Panama Investment Tour in January: https://expatmoney.com/radical

Aug 11, 2023 • 42:51

957: The Luckiest Man in Babylon

957: The Luckiest Man in Babylon

Chapter 10 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up   Come spend a week with me in January on an Investment Tour of Panama! https://expatmoney.com/radical  Book a consulting call during my August sale: https://radicalpersonalfinance.com/consult

Aug 10, 2023 • 32:03

956: Friday Q&A: Pay for College from Retirement Account, Buy Grandparents' Lake House, Salary vs. Benefits, When to Buy a House, Etc.

956: Friday Q&A: Pay for College from Retirement Account, Buy Grandparents' Lake House, Salary vs. Benefits, When to Buy a House, Etc.

On today's Friday Q&A we discuss: 00:49 Is it okay to take money from a retirement account to pay for college? 8:54 Should we buy out the grandparents' lake house? 27:07 How should I prioritize salary vs. benefits? 35:56 Should we only expose our children to high-class people? 1:01:51 How do I know when I should purchase a home? 1:17:27 Should I buy a house at 28? 1:45:18 Is insurance a bad deal? Join me next week: https://patreon.com/radicalpersonalfinance  Come hang out in Panama with me! h

Aug 4, 2023 • 2:09:30

955: The Clay Tablets from Babylon

955: The Clay Tablets from Babylon

Chapter 9 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up   Come hang out with me for a week in Panama in January! www.ExpatMoney.com/Radical Book a consulting call. www.RadicalPersonalFinance.com/consult

Aug 3, 2023 • 16:08

Announcement: Summer Sale on Consulting is Live (and come hang in Panama!)

Announcement: Summer Sale on Consulting is Live (and come hang in Panama!)

www.radicalpersonalfinance.com/consult  www.expatmoney.com/radical

Aug 1, 2023 • 1:36

954: How to Transfer Money from a 529 to a Roth IRA (for you OR your child)

954: How to Transfer Money from a 529 to a Roth IRA (for you OR your child)

August SALE on consulting! www.radicalpersonalfinance.com/consult

Aug 1, 2023 • 53:52

953: Come Hang Out With Me in Panama! (While Building a Bulletproof Plan B)

953: Come Hang Out With Me in Panama! (While Building a Bulletproof Plan B)

https://expatmoney.com/radical

Jul 18, 2023 • 49:05

952: Friday Q&A: Community Connections While Traveling, Right Time to Switch Jobs, What to Do With Budget Data, etc.

952: Friday Q&A: Community Connections While Traveling, Right Time to Switch Jobs, What to Do With Budget Data, etc.

On today's Friday Q&A show we cover: 00:40 Can I build/maintain community connections while traveling with children? 15:48 How do I know when it's the right time to swich to a job I love instead of one that makes more money? 24:07 How can I set up a lifestyle where I can see my parents more? 30:44 If I build my business right so that my spouse can run it, can I skip life insurance? 48:04 How do we handle screens/influences in other homes? 57:00 I've got one good year of budget data. Now what? 1

Jul 7, 2023 • 1:39:21

951: Friday Q&A: Working in Dubai, Learning French, Early Retirement, Die with Zero, Argentina Hyperinflation, etc.

951: Friday Q&A: Working in Dubai, Learning French, Early Retirement, Die with Zero, Argentina Hyperinflation, etc.

On today's Friday Q&A show we cover: 00:48 I just moved to Dubai for work. What should I do first? 16:29 Should I have my 7-year-old learn French by reading? 30:53 I'm ready to retire early...or am I? 47:27 Do I agree with the concepts in Die With Zero by Bill Perkins? 1:01:52 Can I get a great deal on property in Argentina or Venezuela due to the hyperinflation there? 1:10:40 Should I consider moving abroad with my young children? 1:19:09 If we're not going to start non-profits, what should we

Jun 2, 2023 • 2:10:59

950: Friday Q&A: Reduce Taxes in Retirement, Transfer Money Abroad, Alternatives to USA, Rip-offs, etc!

950: Friday Q&A: Reduce Taxes in Retirement, Transfer Money Abroad, Alternatives to USA, Rip-offs, etc!

On today's Friday Q&A show we discuss: 00:47 How do I reduce my taxes in retirement? 19:08 How do I transfer my money abroad when I move abroad? 34:20 What country should I go to where things are better than the USA? 1:15:31 How do I set up an archive of all of my personal information products? 1:32:02 How do I work with my siblings to provide proper care for mom and dad? 2:07:12 I got ripped off! Now what can I do? Joshua Join me on next week's Q&A call: https://patreon.com/radicalpersonalfi

May 26, 2023 • 2:13:38

949: How to Invest in Your Children at a Very Young Age, Addendum: Invest in the Social Climate and Environment of your Children.

949: How to Invest in Your Children at a Very Young Age, Addendum: Invest in the Social Climate and Environment of your Children.

www.HowToRetireSuccessfully.com

May 25, 2023 • 38:55

948: Complementary Redundancy

948: Complementary Redundancy

www.InternationalEscapePlan.com

May 24, 2023 • 34:55

947: How to Buy Inexpensive Airplane Tickets So You Can Travel the World

947: How to Buy Inexpensive Airplane Tickets So You Can Travel the World

...

May 23, 2023 • 46:10

947: How to Retire Successfully (My Newest Class!)

947: How to Retire Successfully (My Newest Class!)

Please enroll in my newest class here: www.HowToRetireSuccessfully.com  Use code "earlybird" before May 12.

May 6, 2023 • 38:31

946: The Camel Trader of Babylon

946: The Camel Trader of Babylon

Chapter 8 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

May 3, 2023 • 21:33

945: May Your Aspirations and Ambitions be Higher Than Mere Wealth

945: May Your Aspirations and Ambitions be Higher Than Mere Wealth

Text from Theodore Roosevelt's speech "Citizen in a Republic" (known popularly as "Man in the Arena"), delivered at the Sorbonne, in Paris, on April 23, 1910.

May 1, 2023 • 57:28

944: Listen to This When You've Reached Your Limit and Can't Go On

944: Listen to This When You've Reached Your Limit and Can't Go On

The Quitter by Robert William Service The Man in the Glass by Dale Wimbrow The Touch of the Master's Hand by Myra Glass

May 1, 2023 • 4:41

943: Friday Q&A: How to Teach Your Children a Language You Don't Speak, How to Evaluate a Move to a New State

943: Friday Q&A: How to Teach Your Children a Language You Don't Speak, How to Evaluate a Move to a New State

On today's Q&A we discuss: 00:45 How do I teach my children a language that I don't speak? 20:15 How do I evaulate moving to a new state?

Apr 28, 2023 • 29:59

942: Don't Start or Donate to a Not-For-Profit Organization (until you consider this...)

942: Don't Start or Donate to a Not-For-Profit Organization (until you consider this...)

...

Apr 27, 2023 • 1:06:12

941: The Walls of Babylon

941: The Walls of Babylon

Chapter 7 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Apr 26, 2023 • 6:59

940: How Much Land Does a Man Need? by Leo Tolstoy

940: How Much Land Does a Man Need? by Leo Tolstoy

How Much Land Does a Man Need by Leo Tolstoy, written 1886

Apr 26, 2023 • 31:30

939: The Gold Lender of Babylon

939: The Gold Lender of Babylon

Chapter 6 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Apr 26, 2023 • 27:49

938: The Tragic End of Billionaire Tony Hsieh

938: The Tragic End of Billionaire Tony Hsieh

...

Apr 25, 2023 • 25:01

937: Friday Q&A: Robo Advisors, Umbrella Liability Insurance, Career Planning

937: Friday Q&A: Robo Advisors, Umbrella Liability Insurance, Career Planning

On today's Q&A show we discuss: 00:45 Should I switch from a robo advisor to something else? 12:27 Should I buy umbrella liability insurance? 21:40 Where do I turn for career advice? To join next week's show, go here! https://patreon.com/RadicalPersonalFinance  Joshua

Apr 24, 2023 • 34:08

936: How to Invest in Your Children at a Very Young Age, FINALE: How Cornelius Vanderbilt Invested Into His Children

936: How to Invest in Your Children at a Very Young Age, FINALE: How Cornelius Vanderbilt Invested Into His Children

Book a consulting call with me today: https://radicalpersonalfinance.com/consult

Apr 22, 2023 • 35:54

935: How to Invest in Your Children at a Very Young Age, Part 16: How Joshua Incorporates These Ideas Into His Daily Schedule

935: How to Invest in Your Children at a Very Young Age, Part 16: How Joshua Incorporates These Ideas Into His Daily Schedule

Only a few consultation slots left! https://radicalpersonalfinance.com/consult

Apr 20, 2023 • 1:09:29

934: How to Invest in Your Children at a Very Young Age, Part 15: Invest Into the Emotional Stability and Sense of Significance of Your Children

934: How to Invest in Your Children at a Very Young Age, Part 15: Invest Into the Emotional Stability and Sense of Significance of Your Children

...

Apr 19, 2023 • 1:14:29

933: How to Invest in Your Children at a Very Young Age, Part 14: Invest Into Developing a Philosophy and Spirit of Success

933: How to Invest in Your Children at a Very Young Age, Part 14: Invest Into Developing a Philosophy and Spirit of Success

...

Apr 19, 2023 • 1:21:58

932: Scott Galloway and Chris Williamson on TikTok, Propaganda, and Divisiveness

932: Scott Galloway and Chris Williamson on TikTok, Propaganda, and Divisiveness

This is clipped audio from a really interesting interview between Scott Galloway and Chris Williamson. It's a fascinating discussion on several levels. Enjoy!  Original: https://youtu.be/Xw9_IMQ8TLY

Apr 17, 2023 • 12:00

931: Friday Q&A: DNA Privacy, Low Mortgage Rates, Family Travel, Deep Work, IUL, etc.

931: Friday Q&A: DNA Privacy, Low Mortgage Rates, Family Travel, Deep Work, IUL, etc.

On today's Q&A we discuss: 1:00 The privacy of your DNA 12:45 Should I sell my house with a low mortage rate? 18:40 How should I travel as a family? 31:46 How can I do more "Deep Work" as a financial advisor? 41:18 I just bought an Indexed Universal Life Insurance policy...now what?

Apr 14, 2023 • 1:10:36

930: The 21st Century Superpower That Will Radically Increase Your Earnings and Impact

930: The 21st Century Superpower That Will Radically Increase Your Earnings and Impact

https://radicalpersonalfinance.com/consult

Apr 13, 2023 • 1:35:28

929: How to Invest in Your Children at a Very Young Age, Part 13: Teach Logic and Philosophy(So They Can Use Their Smart Brains Better)

929: How to Invest in Your Children at a Very Young Age, Part 13: Teach Logic and Philosophy(So They Can Use Their Smart Brains Better)

If you're going to do all the hard work of helping your children develop strong bodies and powerful, capable brains, you also owe it to them to install a decent operating system. Make sure you teach them logic and philsophy as a good starting point.

Apr 12, 2023 • 1:00:07

928: How to Invest in Your Children at a Very Young Age, Part 12: Require Your Children to Memorize (and Teach Them How!)

928: How to Invest in Your Children at a Very Young Age, Part 12: Require Your Children to Memorize (and Teach Them How!)

...

Apr 11, 2023 • 23:44

927: How to Get a College Degree Cheap and Fast!

927: How to Get a College Degree Cheap and Fast!

Protect yourself from identity theft and cybercrime: https://hackproofcourse.com https://www.degreeforum.net/mybb/index.php  https://degreeforum.miraheze.org/wiki/Degree_Forum_Wiki  https://www.youtube.com/@9monthcollegegrad-ryansway671

Apr 6, 2023 • 1:19:39

926: Is the US Dollar Losing Its Reserve Currency Status?

926: Is the US Dollar Losing Its Reserve Currency Status?

Global Currency: The US Dollar Ain't Going Nowhere https://youtu.be/LiR54FPQiCs

Apr 5, 2023 • 57:28

925: How to Invest in Your Children at a Very Young Age, Part 11: Develop Artistic Ability and Appreciation (Cont.)

925: How to Invest in Your Children at a Very Young Age, Part 11: Develop Artistic Ability and Appreciation (Cont.)

Book a consulting call with Joshua: https://radicalpersonalfinance.com/consult  How to do Music Study: https://youtu.be/wzoJfxhhBzo

Apr 4, 2023 • 39:23

924: Friday Q&A: Practical Financial Planning Scenario, Sabbaticals, Homeschool Co-ops, Advice for Newlyweds

924: Friday Q&A: Practical Financial Planning Scenario, Sabbaticals, Homeschool Co-ops, Advice for Newlyweds

On today's Q&A show we cover: 00:45 How do I solve a retiree's financial planning problems? 29:00 How do I productively use a 4-month break? 47:20 What's the benefit of a homeschool co-op? 1:24:10 Advice for a newlywed? Joshua Join me on next week's Q&A: https://patreon.com/radicalpersonalfinance Hire me for a consulting call: https://radicalpersonalfinance.com/consult

Mar 31, 2023 • 1:57:15

923: How to Invest in Your Children at a Very Young Age, Part 10: Develop Artistic Ability and Appreciation

923: How to Invest in Your Children at a Very Young Age, Part 10: Develop Artistic Ability and Appreciation

Consulting is open during April: https://radicalpersonalfinance.com/consult How to do Picture Study: https://youtu.be/mbtOryB6fc8

Mar 30, 2023 • 42:58

Consulting Calls Now Open (With a Spring Sale Discount)

Consulting Calls Now Open (With a Spring Sale Discount)

I've re-opened private consulting calls during April. Book now: https://radicalpersonalfinance.com/consult  20% discount available for calls booked during April. (Only 100 available.) Joshua

Mar 27, 2023 • 5:10

922: Friday Q&A: Impact of AI, Retiring from the Military, Daycare Housing, Choosing Jobs, Working with Spouse, Etc.

922: Friday Q&A: Impact of AI, Retiring from the Military, Daycare Housing, Choosing Jobs, Working with Spouse, Etc.

On today's Q&A show we discuss: 00:45 The impact of AI on the future of the world 14:30 What should I do now that I'm retiring from the military? 28:00 Should I buy a house to use as a daycare center? 42:57 How do I choose between two potential jobs? 1:14:25 Should I build a business with my romantic partner? 1:54:00 How can I move to a new house without losing my low-interest-rate mortgage? Enjoy the show! Join me next week: www.patreon.com/radicalpersonalfinance  Joshua

Mar 24, 2023 • 2:02:35

921: How to Invest in Your Children at a Very Young Age, Part 9: Develop Great Writers

921: How to Invest in Your Children at a Very Young Age, Part 9: Develop Great Writers

...

Mar 22, 2023 • 1:23:33

920: The Current Challenges and What's Next...

920: The Current Challenges and What's Next...

...

Mar 21, 2023 • 3:56

919: How to Invest in Your Children at a Very Young Age, Part 8: Develop Multilingualism

919: How to Invest in Your Children at a Very Young Age, Part 8: Develop Multilingualism

...

Mar 15, 2023 • 1:39:58

918: The Five Laws of Gold

918: The Five Laws of Gold

Chapter 5 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Mar 10, 2023 • 23:42

917: Friday Q&A: Birth Tourism, Choosing Books for Children, Saving Too Much Money, Develop Business to Full-Time

917: Friday Q&A: Birth Tourism, Choosing Books for Children, Saving Too Much Money, Develop Business to Full-Time

On today's Q&A show we cover: 1:25 Advice for doing birth tourism in Mexico 40:22 How do I choose books for my children that are at their proper grade level? 51:36 Am I saving too much money? 1:19:26 How do I develop my side business into a full-time business?

Mar 6, 2023 • 1:34:07

916: How to Invest in Your Children at a Very Young Age, Part 7: Don't Let Your Children Study Math Formally until Age 10

916: How to Invest in Your Children at a Very Young Age, Part 7: Don't Let Your Children Study Math Formally until Age 10

The article that I am using as a resource comes from the appendix of this excellent book by Harvey and Laure Bluedorn called "Teaching the Trivium: Christian Homeschooling in a Classical Style."

Feb 28, 2023 • 1:06:49

915: How to Invest in Your Children at a Very Young Age, Part 6: Catalyze Numeracy in Your Children

915: How to Invest in Your Children at a Very Young Age, Part 6: Catalyze Numeracy in Your Children

...

Feb 27, 2023 • 1:26:58

914: What Will Happen with Social Security and Medicare, and How Can You Prepare?

914: What Will Happen with Social Security and Medicare, and How Can You Prepare?

628-Federal Debt: The Ticking Bomb that No One is Willing to Defuse 629-[In-Depth Version] Federal Debt: The Ticking Bomb that No One is Willing to Defuse

Feb 23, 2023 • 48:14

913: How to Invest in Your Children at a Very Young Age, Part 5: Help Your Children to Become Accomplished, Fluent Readers

913: How to Invest in Your Children at a Very Young Age, Part 5: Help Your Children to Become Accomplished, Fluent Readers

If your children are accomplished, skilled, and experienced readers, they will be in the top ranks of their class and, more importantly, will be equipped to teach themselves everything that matters in their lives.

Feb 22, 2023 • 1:11:52

912: Friday Q&A: Increasing Reading, Investing Extra Money, Real Estate Seminars, Living in South Florida, Etc.

912: Friday Q&A: Increasing Reading, Investing Extra Money, Real Estate Seminars, Living in South Florida, Etc.

On today's Q&A we cover: 1:08 What specific advice can we give to increase reading? 8:13 How should I invest my extra money? 17:44 What real estate seminar did Joshua avoid as a youngster? 40:00 Where in South Florida should I live? 53:44 When does it make sense to pay down extra on a mortgage? 1:02:55 What can I do on vacation in Malta? Enjoy! To join me next week: https://patreon.com/RadicalPersonalFinance Joshua

Feb 17, 2023 • 1:17:07

911: How to Invest in Your Children at a Very Young Age, Part 4: Give Your Children Words and Background Knowledge

911: How to Invest in Your Children at a Very Young Age, Part 4: Give Your Children Words and Background Knowledge

If you want to develop the minds of your children, you need to give them words. Lots and lots of words. Joshua

Feb 10, 2023 • 1:28:13

910: How to Invest in Your Children at a Very Young Age, Part 3: Invest into Strong, Healthy, Athletic Bodies

910: How to Invest in Your Children at a Very Young Age, Part 3: Invest into Strong, Healthy, Athletic Bodies

As we continue our "How to Invest in Children" series, we move past those things that are in the past (mate selection, child gestation, and birth) and into those things that are applicable for all children: investing in our children's bodies, minds, and spirits.  In today's episode we discuss how to invest into your children's bodies in real, meaningful ways. Joshua www.HackProofCourse.com

Feb 7, 2023 • 1:03:42

909: How to Invest in Your Children at a Very Young Age, Part 2: Conception, Pregnancy, Childbirth

909: How to Invest in Your Children at a Very Young Age, Part 2: Conception, Pregnancy, Childbirth

In today's episode we continue our discussion of how to invest in your children while young for the best chance of long-term success, with a primary focus on conceiving the healthiest baby and nurturing his best possible outcomes in utero and at birth. Joshua

Feb 3, 2023 • 1:15:18

908: How to Invest in Your Children at a Very Young Age, Part 1: Choose Great Parents!

908: How to Invest in Your Children at a Very Young Age, Part 1: Choose Great Parents!

I've long promoted investing in your children at an early age, believing that money spent on them while young returns far higher than money spent at a later age. In this series I will tell you how to actually do that. Enjoy!  Joshua Sign up for my newest class today, before the live event: http://hackproofcourse.com

Feb 2, 2023 • 1:11:59

907: Friday Q&A: Why Hire a Financial Pro, Real Estate Education, Best e-Reader, Demographics and Real Estate, Etc.

907: Friday Q&A: Why Hire a Financial Pro, Real Estate Education, Best e-Reader, Demographics and Real Estate, Etc.

On today's Friday Q&A we cover: 1:55 Why should I hire a financial professional if I can do it myself? 11:29 How do I educate myself about real estate? 13:42 What's the best ereader to use? 33:22 How do I plan a rental portfolio for demographic changes. 44:40 Should I live close to extended family? 1:13:51 What's great about the book Stolen Focus? 1:20:41 How do I read to my children in Spanish? 1:24:14 Where in Latin America should I buy a $50,000 condo?

Jan 27, 2023 • 1:46:43

906: Five Intelligent Financial Goals for You to Set in 2023!

906: Five Intelligent Financial Goals for You to Set in 2023!

Sign up before the price increase: http://HackProofCourse.com

Jan 25, 2023 • 38:32

HACKPROOF: How to Beat Fraudsters, Prevent Identity Theft, and Say Goodbye to Cybercrime

HACKPROOF: How to Beat Fraudsters, Prevent Identity Theft, and Say Goodbye to Cybercrime

My newest course is live. Sign up now! http://HackProofCourse.com

Jan 9, 2023 • 12:34

905: Friday Q&A: Blue Collar Biz, Home Education, Books to Read, Motorcycle Riding, and More!

905: Friday Q&A: Blue Collar Biz, Home Education, Books to Read, Motorcycle Riding, and More!

It's Friday! On today's Q&A show we cover: 2:38 How to start a blue collar landscaping business on the side. 16:15 How do I decide my priorities when thinking about home education? 1:17:59 What new books should I read this year? www.radicalbooklist.com 1:56:00 How do I build a recession-proof job? 2:17:24 How do I decide if riding a motorcycle is too dangerous for me? Enjoy the show! To join me next week, go to https://patreon.com/RadicalPersonalFinance  Joshua

Jan 6, 2023 • 2:35:39

904: Encouragement for You as You Set Your New Year's Resolutions and Goals

904: Encouragement for You as You Set Your New Year's Resolutions and Goals

I hate it when people make fun of New Year's Resolutions. Setting annual goals and making personal resolutions is a marvelous practice. Go for it! In today's episode I want to share some lessons I've learned and encourage you how to do it in a way that make sense for you. Enjoy! Joshua

Dec 28, 2022 • 1:05:33

REPLAY: 838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

REPLAY: 838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

Today, let's discuss how you can enjoy a truly rich Christmas—nay, a truly rich life. Joshua Originally released December 23, 2021 If you'd like to follow along with my reading, you can find the text here: https://www.gutenberg.org/files/19337/19337-h/19337-h.htm

Dec 14, 2022 • 2:46:31

903: Friday Q&A: New Job, Productivity Tools, Outsourcing to a VA, Bitcoin, Etc.

903: Friday Q&A: New Job, Productivity Tools, Outsourcing to a VA, Bitcoin, Etc.

On today's Q&A we cover: How do I go browse for a new job? 17:47 What productivity tools does Joshua use? 29:51 How do I outsource to a VA? 37:43 What are Joshua's current thoughts on the state of Bitcoin? 57:12 How do I help my 2-year old play alone? Enjoy! Joshua

Dec 9, 2022 • 1:30:58

902: How to Buy a Car, Part 5: The Single Best Technique to Source a Quality Used Car

902: How to Buy a Car, Part 5: The Single Best Technique to Source a Quality Used Car

...

Dec 8, 2022 • 19:59

901: Friday Q&A: Why You Should Maximize Tax-Deferred Plans, UTMA Accounts, Dividends on Whole Life, Asset Allocation, Business, Etc.

901: Friday Q&A: Why You Should Maximize Tax-Deferred Plans, UTMA Accounts, Dividends on Whole Life, Asset Allocation, Business, Etc.

On today's Friday Q&A show we cover:  Should I really maximize my investments into tax-deferred plans? 15:38 What do I need to do with the UTMA account I have for my children? 25:25 Why did my dividend disappear from my whole life policy? 46:02 How do I learn about asset allocation? 1:02:24 How do I size and structure my children's life insurance policies? 1:21:15 Should I start a business while having young children? 1:35:00 How can I teach my non-reading children a foreign language? 1:54:20 H

Dec 5, 2022 • 2:11:59

900: Meet the Goddess of Good Luck

900: Meet the Goddess of Good Luck

Chapter 4 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Dec 1, 2022 • 28:11

50% off digital courses (Black Friday Sale)

50% off digital courses (Black Friday Sale)

I'm running a huge Black Friday sale on all of my products. Save 50% with coupon code "blackfriday" at: www.InternationalEscapePlan.com code "blackfriday" www.BitcoinPrivacyCourse.com code "blackfriday" www.RadicalPersonalFinance.com/consult (no code needed, book while available!)

Nov 25, 2022 • 3:07

Huge Black Friday Sale on Consulting (and why you should hire good consultants!)

Huge Black Friday Sale on Consulting (and why you should hire good consultants!)

Go here now and book a call. (Only 50 slots available!) www.radicalpersonalfinance.com/consult

Nov 22, 2022 • 30:17

899: The Gods of the Copybook Headings with Terror and Slaughter Return!

899: The Gods of the Copybook Headings with Terror and Slaughter Return!

...

Nov 16, 2022 • 41:11

898: What to Do If You've Just Lost All Your Money

898: What to Do If You've Just Lost All Your Money

A lot of my listeners are hurting due to the recent collapse of FTX. Here's what I would tell you face-to-face if you've just lost all of your money, regardless of the specific reason why. Joshua

Nov 11, 2022 • 1:34:15

897: Important Financial Lessons from the FTX Collapse

897: Important Financial Lessons from the FTX Collapse

...

Nov 10, 2022 • 1:01:24

896: Friday Q&A: Citizenship by Investment, Marketing an RIA, Medicaid or Not, Learning Spanish, Wills & Trusts

896: Friday Q&A: Citizenship by Investment, Marketing an RIA, Medicaid or Not, Learning Spanish, Wills & Trusts

On today's Q&A we discuss: 3:00 Should I do a Citizenship by Investment or a Residency program to get a second passport? 20:01 I'm starting a new Registered Investment Advisory firm. How should I market myself? 33:56 Should I adjust my income low enough to get on Medicaid? 42:06 What kind of wills and trusts do I need to protect my children? 59:00 I'm moving to Mexico. How should I learn Spanish? 1:24:17 Should I quit my job to start a business or just get a better-paying job?

Nov 4, 2022 • 1:40:51

895: Seven Cures for a Lean Purse

895: Seven Cures for a Lean Purse

Chapter 3 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Nov 3, 2022 • 35:25

894: Friday Q&A: Houses & Down Payments, New Child, Famine, Farming, Etc.

894: Friday Q&A: Houses & Down Payments, New Child, Famine, Farming, Etc.

On today's Q&A we cover:  1:15 Should I buy a house? 22:38 Should I sell investments or drain my bank accounts for a house down payment? 31:46 What do I need to do financially for my new child? 50:00 Update on the famine discussion? 1:00:00 How do I build a portfolio of ethical, diverse, sustainable farms? To join me next week, go here: https://patreon.com/RadicalPersonalFinance  Enjoy! Joshua

Oct 28, 2022 • 1:31:56

893: The Richest Man in Babylon

893: The Richest Man in Babylon

Chapter 2 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Oct 25, 2022 • 21:59

892: Friday Q&A: Financial Coaching, Canada, Tax Planning, Franchise Business, Car Leasing

892: Friday Q&A: Financial Coaching, Canada, Tax Planning, Franchise Business, Car Leasing

On today's Q&A we cover: 1:30 How can I build a successful financial coaching business? 38:56 How can Canada serve me in my internationalized life? 52:00 What are my tax planning opportunities with a variable income? 58:00 Should I buy a franchise business for my father? 1:17:02 Should I lease a car? To join me next week, go to https://patreon.com/RadicalPersonalFinance  Enjoy! Joshua

Oct 21, 2022 • 1:22:41

891: The Man Who Desired Gold

891: The Man Who Desired Gold

Chapter 1 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926 https://www.amazon.com/Richest-Man-Babylon-Magic-Story/dp/1939438632/ https://archive.org/details/richestmaninbaby00geor/mode/2up

Oct 20, 2022 • 13:01

Bitcoin Markets/Privacy Update (October)

Bitcoin Markets/Privacy Update (October)

Go to www.bitcoinprivacycourse.com and use promo code OCTOBER to save $50 (valid only in October).

Oct 13, 2022 • 41:33

890: Friday Q&A: Upgrade My House, Where to Move After Graduation, Future of the Stock Market, etc.

890: Friday Q&A: Upgrade My House, Where to Move After Graduation, Future of the Stock Market, etc.

On today's Q&A we cover: 1:37 Should I renovate my current house or sell and upgrade? 17:24 I'm graduating with my master's degree in Germany...where should I go now? 38:17 Why should I believe in the future of the stock market? 1:08:31 How do I figure out what stuff to get rid of? 1:24:57 Should I sign up my young son as an authorized user on my credit card? Enjoy! Join me next week here: https://patreon.com/RadicalPersonalFinance  Joshua

Sep 23, 2022 • 1:33:52

889: How to Buy a Car, Part 4: Decide on a New Car vs. Used Car

889: How to Buy a Car, Part 4: Decide on a New Car vs. Used Car

...

Sep 20, 2022 • 1:01:07

888: Friday Q&A: Dual-Income to Single-Income, Cloth Diapers, Predicting the Future

888: Friday Q&A: Dual-Income to Single-Income, Cloth Diapers, Predicting the Future

On today's Friday Q&A show we discuss: 1:00 We're going from a 2-income family to a single-income family. What should we do before that happens? 5:13 Cloth diapers versus disposable. 11:05 How to account for a new offshore property. 15:28 Can we accurately predict the future? Enjoy! Joshua Join me next week! https://www.patreon.com/RadicalPersonalFinance

Sep 15, 2022 • 1:02:04

887: The Joys and Trials of International Living-Interview with Mikkel Thorup

887: The Joys and Trials of International Living-Interview with Mikkel Thorup

Mikkel Thorup was born and raised in Canada, but fled the country as a teenager. Since then, he has circumnavigated the globe over 400 times visiting more than 100 countries, and has called nine different countries home in his 20+ years of non-stop continual travel around the world. On today's podcast we discuss the ups and downs, trials and triumphs of a hardcore expat lifestyle. Enjoy! Joshua The Expat Money Show: https://expatmoney.com  The Expat Money Summit: https://2022.expatmoneysummit.c

Sep 12, 2022 • 1:08:17

886: How to Buy a Car, Part 3: Decide How Much to Spend

886: How to Buy a Car, Part 3: Decide How Much to Spend

Before you go actually shopping for a car, decide how much to spend. Here are my rules! Joshua https://www.financialsamurai.com/the-110th-rule-for-car-buying-everyone-must-follow/  https://www.financialsamurai.com/net-worth-rule-for-car-buying-guideline/

Sep 7, 2022 • 39:33

885: Famine is Coming (This Episode Explains Why): Interview with Steven Harris

885: Famine is Coming (This Episode Explains Why): Interview with Steven Harris

In today's podcast, Steven Harris and I discuss the STRONG likelihood of global famine over the coming years and carefully analyze the underlying causes of this concern. I am deeply concerned about global food supplies over the next few years, due primarily to low fertilizer availability and high fertilizer cost. And, the disruptions in the energy markets (which you can see with the wild price hikes and shortages in so many places) are making everything massively worse. I want you to understand

Aug 29, 2022 • 2:53:26

884: Friday Q&A: Deductible Car Expenses, Vacation Homes, Cash on Hand, Gold Coins Fraud, Etc.

884: Friday Q&A: Deductible Car Expenses, Vacation Homes, Cash on Hand, Gold Coins Fraud, Etc.

On today's Friday Q&A we cover: 1:30 Should I register my car in a business name so I can take my tax deductions? 14:38 Should I buy and build a vacation home? 19:11 How much cash should I have on hand before I resign my job? 27:57 How do I reduce my taxable income in order to qualify for an EV credit? 45:00 How much can I afford for a second house? 1:31 How do I protect myself against fraud in the gold coin marketplace? 1:38 Should I buy out my leased vehicle in order to sell it?

Aug 26, 2022 • 1:48:41

883: President Biden's Student Loan Debt Cancellation: Facts, Planning Opportunities, and Commentary

883: President Biden's Student Loan Debt Cancellation: Facts, Planning Opportunities, and Commentary

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Aug 25, 2022 • 1:10:31

882: Reflections on 3.5 Years of Ex-Pat-tery (or, My Current Opinion on Leaving the USA in 2022)

882: Reflections on 3.5 Years of Ex-Pat-tery (or, My Current Opinion on Leaving the USA in 2022)

My family and I have been away from the United States for 3.5 years now, setting up our Plan B. That's given me enough time to have a more balanced perspective on life in the USA. In today's show, I share with you my thoughts, opinions, and advice on whether you also should leave the USA or stay put. Enjoy! Joshua If you're interested in your own Plan B, buy my course at www.InternationalEscapePlan.com

Aug 17, 2022 • 1:49:00

881: Friday Q&A: Estate Properties, Individual Stock Investing, Getting Over Past Financial Mistakes, How to Handle Donations for a Serious Medical Issue

881: Friday Q&A: Estate Properties, Individual Stock Investing, Getting Over Past Financial Mistakes, How to Handle Donations for a Serious Medical Issue

On today's Q&A show we cover: 1:56 - How can houses and retreats play a role in the vision of a family life? 29:44 - How can I know if individual stock investing is right for me? 41:30 - Can you help this Ukranian immigrant currently in North Carolina? 47:14 - How can I get over my past financial mistakes? 1:09:50 - How do I handle donations for a serious medical issue? Enjoy! Information on Ukrainian refugee in North Carolina To join me next week: https://patreon.com/RadicalPersonalFinance

Aug 5, 2022 • 1:28:54

880-How to Buy a Car, Part 2: Decide What You Want and Need in a Car

880-How to Buy a Car, Part 2: Decide What You Want and Need in a Car

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Aug 3, 2022 • 58:25

879-How to Buy a Car, Part 1: Don't Buy a Car If You Can Avoid It

879-How to Buy a Car, Part 1: Don't Buy a Car If You Can Avoid It

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Jul 27, 2022 • 53:14

878-Friday Q&A: International Banking and Residency, To Leave or Not to Leave (a Job), Target Date Retirement Funds, Asset Allocation

878-Friday Q&A: International Banking and Residency, To Leave or Not to Leave (a Job), Target Date Retirement Funds, Asset Allocation

On today's Q&A we cover: 1:56 How do I get money to and from my international bank account? 8:20 Should I do my residency processes myself or retain an attorney? 17:50 Should my wife leave her job to be a stay-at-home mom, in light of a pending economic crisis? 44:13 Why shouldn't I do a Target-Date Retirement fund? 1:03:55 How should I figure out how to arrange my own asset location and allocation plan? If you'd like to join me next week, go here: https://patreon.com/radicalpersonalfinance

Jul 15, 2022 • 1:10:27

My Thoughts on the World Today (Inflation, Recession, Global Uncertainty, Famine)

My Thoughts on the World Today (Inflation, Recession, Global Uncertainty, Famine)

I'm back from vacation and boy, do I have a lot to say! Here are my thoughts on the various circumstances we face today! Joshua

Jul 14, 2022 • 1:45:50

876-What is a Liberal Education?

876-What is a Liberal Education?

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Jun 22, 2022 • 1:36:42

875-Why Pursue a Classical Education?

875-Why Pursue a Classical Education?

From Climbing Parnassus by Tracy Lee Simmons

Jun 15, 2022 • 56:56

874-Friday Q&A: Disability Insurance and Unemployment, Worldschooling, Business Privacy

874-Friday Q&A: Disability Insurance and Unemployment, Worldschooling, Business Privacy

It's Friday! That means live Q&A! 1:45 Do I have to tell my disability insurance company that I'm unemployed? 11:19 How much is a Mexican residency going to cost me? 26:15 Should I take my struggling 13-year-old out of school and go worldschooling instead? 1:00:21 How can I start a private business?

Jun 10, 2022 • 1:15:28

873-Out & About: Watchman Privacy Podcast (Bitcoin, Financial Privacy, Etc.)

873-Out & About: Watchman Privacy Podcast (Bitcoin, Financial Privacy, Etc.)

I recently appeared on the Watchman Privacy Podcast with Gabriel Custodiet, where we talked in detail about various privacy-related topics. Enjoy! www.WatchmanPrivacy.com

Jun 8, 2022 • 1:52:30

872-Who Should Go to College to Get a B.A.?

872-Who Should Go to College to Get a B.A.?

https://www.aei.org/wp-content/uploads/2011/10/Murray%20Intelligence.pdf

May 31, 2022 • 29:48

Houston, TX residents: can you host a traveling friend for a couple of days?

Houston, TX residents: can you host a traveling friend for a couple of days?

I'm looking for a listener/friend who can host a traveling friend of mine in Houston, TX for a few days while he crates a motorcycle that is being shipped to Venezuela. Can you help? Please email me at joshua@radicalpersonalfinance.com Thanks! (I will remove this post when the need is filled.)

May 30, 2022 • 3:08

871-Inside Ukraine: On-the-Ground Lessons Learned

871-Inside Ukraine: On-the-Ground Lessons Learned

Today, I bring you a report from a humanitarian relief worker on lessons learned from inside Ukraine. www.creativephilanthropy.blog

May 30, 2022 • 59:23

870-Friday Q&A: 60-day Rollovers, Digital Nomading, Childcare, Cash-Out Refi, Etc.

870-Friday Q&A: 60-day Rollovers, Digital Nomading, Childcare, Cash-Out Refi, Etc.

On today's Q&A we cover: 1:38 Can I borrow my retirement money by doing a 60-day rollover? 16:15 How do I become a digital nomad in Europe? (*I mistakenly said "Greece" in this answer when I meant "Cyprus.") 40:01 How can we provide awesome childcare at home when we both have full-time jobs? 58:23 Should I do a cash-out refi or take a home equity loan? 1:03:49 How should I do a career change into financial services? 1:17:15 Should I join a startup, especially given that I have to put in my own

May 26, 2022 • 1:33:01

Sale on Private Consultations with Joshua (Limited Time Only)

Sale on Private Consultations with Joshua (Limited Time Only)

I'm offering a limited time sale on private consultations before I go on summer break. Valid for the first 50 customers only. Book now at www.ConsultWithJoshua.com

May 24, 2022 • 9:18

869-A Bad Day for Grendel

869-A Bad Day for Grendel

Ten Ways to Destroy the Imagination of Your Child by Anthony Esolen https://www.amazon.com/Ways-Destroy-Imagination-Your-Child/dp/1610170792

May 24, 2022 • 13:20

868-Joshua's Advice: How to Begin Your Home Education Journey

868-Joshua's Advice: How to Begin Your Home Education Journey

www.amblesideonline.org The Well-Trained Mind: A Guide to Classical Education at Home by Susan Wise Bauer https://www.amazon.com/Well-Trained-Mind-Classical-Education-Fourth/dp/0393253627

May 20, 2022 • 1:47:50

867-An Inspirational Education Story

867-An Inspirational Education Story

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May 19, 2022 • 33:09

Friday Q&A: Target Date Fund Debacle, Making Summer Productive, Medicaid Trust, Etc.

Friday Q&A: Target Date Fund Debacle, Making Summer Productive, Medicaid Trust, Etc.

On today's live Q&A we cover: 1:05 Should I avoid Target Date Retirement Funds due to the recent Vanguard debacle? 18:37 How can I make my children's summer vacation more productive? 53:38 Should I buy the house I'm living in? 1:00:35 Should I do a 1031 on my commercial property or simply sell it and pay the tax? 1:07:58 Should I have my mom set up a Medicaid Trust? 1:19:54 Can I move my business to Wyoming to save on California taxes? 1:32:03 Help me pick which government school to enroll my c

May 13, 2022 • 2:17:09

865-From $14K Per Year to $100M in 7 Years: The Taylor Welch Story

865-From $14K Per Year to $100M in 7 Years: The Taylor Welch Story

The thread: https://twitter.com/taylorawelch/status/1398703076094222337

May 12, 2022 • 39:48

864-How to Respond to Turbulent Markets

864-How to Respond to Turbulent Markets

www.internationalescapeplan.com

May 9, 2022 • 45:25

863-How to Avoid Jail/Court for Domestic Disturbance and Underage Relationships (Inspired by the Johnny Depp and Amber Heard Trial)

863-How to Avoid Jail/Court for Domestic Disturbance and Underage Relationships (Inspired by the Johnny Depp and Amber Heard Trial)

...

Apr 27, 2022 • 47:59

862-Friday Q&A: 5 Months Abroad, What to Invest In, Moving from Real Estate to Index Funds, Etc.

862-Friday Q&A: 5 Months Abroad, What to Invest In, Moving from Real Estate to Index Funds, Etc.

On today's Q&A show we cover: 1:16 Should we go abroad for 5 months and have an adventure? 14:04 What should I invest in? 33:25 When would it make sense to move from real estate to index funds? 47:17 Should I leave the job I just got? 1:00:23 What do I need to know to know about traveling with a baby? 1:16:34 Should I invest my old 401k in Bitcoin?

Apr 22, 2022 • 1:28:12

861-Friday Q&A: Malta, Insurance after Weight Loss, Choose between Jobs, Giving Stock to Charity, Should I Quit My Job

861-Friday Q&A: Malta, Insurance after Weight Loss, Choose between Jobs, Giving Stock to Charity, Should I Quit My Job

On today's Q&A show we discuss: 1:30 What to do when in Malta? 9:47 How do I get a better life insurance policy after losing weight? 21:56 How do I choose between my current job and a new job offer? 29:50 How to save extra tax money by giving appreciated stock to your church/charity 36:45 I was going to quit my job and take a sabbatical until I saw how bad the economy might get. Should I still quit?

Apr 15, 2022 • 48:57

860-My Hero, Bill Gaither...and the Career and Life Lessons We Can All Learn from Him

860-My Hero, Bill Gaither...and the Career and Life Lessons We Can All Learn from Him

Bill Gaither is a hero of mine, primarily for his career. He has been singing, performing, and writing songs for nearly 70 years. And he is still at the top of his game. Let him inspire you too. Wintley Phipps, Amazing Grace https://youtu.be/qNuQbJst4Lk  Gaither "Easter" Music Playlist https://youtube.com/playlist?list=PLgubmqMAVkRapOBksWczdAN2RxIW97OY4

Apr 14, 2022 • 59:36

The Future of Bitcoin: Lessons Learned from the Bitcoin 2022 Conference

The Future of Bitcoin: Lessons Learned from the Bitcoin 2022 Conference

www.BitcoinPrivacyCourse.com

Apr 11, 2022 • 1:01:01

858-Financial Lessons Learned from the USA (3 of 3)

858-Financial Lessons Learned from the USA (3 of 3)

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Apr 4, 2022 • 51:41

857-Financial Lessons Learned from Russia (2 of 3)

857-Financial Lessons Learned from Russia (2 of 3)

www.InternationalEscapePlan.com

Mar 23, 2022 • 1:12:30

856-Friday Q&A: Career Change, Whole Life Insurance, Rentals, House Money

856-Friday Q&A: Career Change, Whole Life Insurance, Rentals, House Money

It's Friday! Today we do live Q&A: 1:45 How can I do a fast career change and pay off my credit card debt quickly? 23:07 Help me understand my life insurance options for my children. 1:09:21 Should I buy a non-cash-flowing rental property? 1:17:19 How can I invest my house savings money? Enjoy! Joshua https://patreon.com/radicalpersonalfinance https://BitcoinPrivacyCourse.com

Mar 18, 2022 • 1:38:04

855-Financial Lessons Learned from Ukraine (1 of 3)

855-Financial Lessons Learned from Ukraine (1 of 3)

www.BitcoinPrivacyCourse.com  www.InternationalEscapePlan.com

Mar 10, 2022 • 49:52

My New Bitcoin Privacy Course

My New Bitcoin Privacy Course

www.BitcoinPrivacyCourse.com

Mar 4, 2022 • 8:28

854-Your Right to Transact Financially with Others is a Human Right...And It's In Danger

854-Your Right to Transact Financially with Others is a Human Right...And It's In Danger

You have a fundamental human right as a free man or woman, to financially transact with others. And today, that right is in danger. www.BitcoinPrivacyCourse.com

Mar 4, 2022 • 49:06

BONUS EPISODE: Strategic Background on the Conflict with Russia, Ukraine, and the West

BONUS EPISODE: Strategic Background on the Conflict with Russia, Ukraine, and the West

Today's episode is a bit off topic from the mission of Radical Personal Finance. It's the kind of episode I've frequently deleted in the past, but that I have heard from my audience that some may enjoy. In today's episode I spend some time digging into the strategic history of Russia/Ukraine position in order to understand where things are and where they may go. Enjoy! More personal finance content soon! Joshua

Mar 3, 2022 • 1:24:23

Fifty Years Ago It Was Illegal for Americans to Own Gold Coins or Bullion (Yes, Really)

Fifty Years Ago It Was Illegal for Americans to Own Gold Coins or Bullion (Yes, Really)

Fifty years ago it was illegal for Americans to own more than 5 ounces of gold coins or gold bullion. Yes, really. Today, I want to explain this little-known history and talk about whether it may repeat in the future. www.BitcoinPrivacyCourse.com

Mar 2, 2022 • 1:25:45

851-A Sobering Discussion of How Things Could Get Much Worse for You and Me in Days to Come

851-A Sobering Discussion of How Things Could Get Much Worse for You and Me in Days to Come

In light of the Russian invasion of Ukraine, I've been considering how you and I (not being in Ukraine or Russia) could be affected in days to come. Here's a rather sobering discussion from me covering some of the possibilities.

Feb 24, 2022 • 52:25

850: Protect Yourself and Your Family by Believing That Bad Things Happen

850: Protect Yourself and Your Family by Believing That Bad Things Happen

In light of the Russia/Ukraine conflict, we need to pay careful to the lessons we can learn from the pain that our fellow humans are experiencing. Today's lesson: believe that bad things can happen. To you. Joshua

Feb 24, 2022 • 26:43

849-Friday Q&A: Remote Work, Giving Ad Hoc vs. Systematically, Investing Virtuously, Off-Shore Bank Accounts, Etc.

849-Friday Q&A: Remote Work, Giving Ad Hoc vs. Systematically, Investing Virtuously, Off-Shore Bank Accounts, Etc.

It's Friday! Today we discuss: 1:33 How do I establish myself in a new remote-only work environment? 10:03 How can I become a teacher for a new career? 18:28 How should I balance on-going support vs ad hoc donations? 23:45 How can I invest my money in a righteous way? 44:10 Should I save money for mystery special needs children? 51:08 How should I use ereaders in my homeschool? 1:12:34 Where should I go to get an offshore bank account? 1:23:43 How much of my cash should I move into commodities?

Feb 18, 2022 • 1:30:00

848-How I Taught My Children French in One Year by Reading

848-How I Taught My Children French in One Year by Reading

One year ago my family spoke no French. Today, one year later, my 8-year-old son is reading at his grade level in French. In today's podcast I'll explain the tools and techniques I used to accomplish this, in hopes of inspiring you and helping with your similar projects. Joshua

Feb 17, 2022 • 1:03:45

How to Protect Your Money from the Government (Lessons from Canada)

How to Protect Your Money from the Government (Lessons from Canada)

The Canadian government has made some shocking changes this week. They provide some very important lessons for you and me.

Feb 16, 2022 • 36:47

846-Friday Q&A: 3 Corrections, Whole Life, High Interest CC Debt, Living Library, Disability Insurance, Foreign Language, Etc.

846-Friday Q&A: 3 Corrections, Whole Life, High Interest CC Debt, Living Library, Disability Insurance, Foreign Language, Etc.

On today's live Q&A show we cover: 1:00 Three separate corrections from previous shows 13:04 How much whole life insurance should I buy for my emergency fund? 20:54 Should I put my savings against my high interest-rate credit card debt? 30:10 Should we start a living library? 35:00 How should I go about buying gold? 53:06 How do I move from a blue collar job to a white collar job? 1:08:18 Should I buy disability insurance for my homemaker wife? 1:21:00 How can I help my children learn a foreign

Jan 29, 2022 • 2:38:13

845-Friday Q&A: Refinancing to Invest in Stock Market, Health Insurance for Travelers, Getting Started Reading the Bible, Selling House to a Friend, Etc.

845-Friday Q&A: Refinancing to Invest in Stock Market, Health Insurance for Travelers, Getting Started Reading the Bible, Selling House to a Friend, Etc.

It's Friday! Today we cover: 1:44 Should I refinance my house to invest in the stock market? 13:44 How do I get health insurance for my parents who are fleeing Ukraine? 33:14 How should I begin reading the Bible? 1:03:00 I'm selling a house to my friend; how do we structure the deal? 1:10:10 How do I do goal planning with my children? 1:20:50 How can I profitably invest an extra $5k to $10k per year? How do I calculate the Real Internal Rate of Return on a life insurance policy?

Jan 21, 2022 • 2:01:41

844-Military Listener Disagrees with My Advice on Joining the Military: Here's His Side

844-Military Listener Disagrees with My Advice on Joining the Military: Here's His Side

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Jan 20, 2022 • 24:30

Global Collapsing Birth Rates Will Radically Affect Our Future

Global Collapsing Birth Rates Will Radically Affect Our Future

...

Jan 19, 2022 • 1:03:59

842-Moving Around Is Not Conducive to Your Wealth (A Report from 6 Months of Digital Nomadism)

842-Moving Around Is Not Conducive to Your Wealth (A Report from 6 Months of Digital Nomadism)

...

Jan 17, 2022 • 44:44

841-Friday Q&A: DIY Projects, Roth Conversions, Vacation Home in El Salvador, French Inheritance Taxes, Preparing for a Baby, Joining the Military for VA Benefits

841-Friday Q&A: DIY Projects, Roth Conversions, Vacation Home in El Salvador, French Inheritance Taxes, Preparing for a Baby, Joining the Military for VA Benefits

It's Friday! On today's Q&A call we discuss: 2:00 Should I do my own DIY projects? 15:36 Should my in-laws sell their rental house? 25:00 Should my father do a Roth conversion of his $1,000,000 IRA? 36:30 Should we buy a vacation home in El Salvador? 59:11 How can a French citizen reduce inheritance taxes? 1:09:01 What kind of financial preps can I do to prepare for a baby? 1:33:00 Should I join the reserves in order to get the VA benefits? Enjoy! Join me next week here: https://www.patreon.co

Jan 14, 2022 • 2:05:51

840-Who Do You Want to Live With? Spend Your Money to Make That Happen

840-Who Do You Want to Live With? Spend Your Money to Make That Happen

...

Jan 12, 2022 • 29:13

839-Friday Q&A: Job Loss, Getting out of the Matrix, Taxes on Crypto, Finding a Good Accountant, Should I Contribute to a Retirement Account

839-Friday Q&A: Job Loss, Getting out of the Matrix, Taxes on Crypto, Finding a Good Accountant, Should I Contribute to a Retirement Account

Welcome to our first Friday Q&A of 2022! 2:55 How do I prepare for an imminent job loss due to my refusal to take the jab? 14:30 How do I get out of the modern monetary matrix? 21:59 How do I calculate the taxes on my crypto portfolio? 32:57 How do I find a good accountant? 46:45 Should I contribute to a retirement account? 1:02:33 How should I save for a second house? 1:20:00 I have a child who is slow to speak; how should I handle this? To gain access to next week's Q&A show, join here: http

Jan 7, 2022 • 1:40:54

How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

Today, let's discuss how you can enjoy a truly rich Christmas—nay, a truly rich life. Joshua If you'd like to follow along with my reading, you can find the text here: https://www.gutenberg.org/files/19337/19337-h/19337-h.htm

Dec 21, 2021 • 2:46:31

The Watchman Guide to Privacy: Reclaim Your Digital, Financial, and Lifestyle Freedom - Interview with Gabriel Custodiet

The Watchman Guide to Privacy: Reclaim Your Digital, Financial, and Lifestyle Freedom - Interview with Gabriel Custodiet

I'm often asked where to start with regard to privacy. For the last few months I have been publicly and privately recommending Gabriel Custodiet's book "The Watchman Guide to Privacy: Reclaim Your Digital, Financial, and Lifestyle Freedom." It's perhaps the best single book that I've read that discusses privacy in a comprehensive, yet accessible way. Today, I'm thrilled to welcome Gabriel himself to the podcast. Enjoy! www.watchmanprivacy.com  https://www.amazon.com/Watchman-Guide-Privacy-Finan

Dec 20, 2021 • 1:41:05

836-The Valuable Lifestyle Benefits of a Second Home

836-The Valuable Lifestyle Benefits of a Second Home

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Dec 10, 2021 • 34:49

835-Why a Vacation Home Might Very Well Be Your Best Investment Ever

835-Why a Vacation Home Might Very Well Be Your Best Investment Ever

...

Dec 9, 2021 • 1:18:10

834-Friday Q&A: Baseball Cards, VideoGame YouTube, Inheritances, Borrowing Against Assets, Etc.

834-Friday Q&A: Baseball Cards, VideoGame YouTube, Inheritances, Borrowing Against Assets, Etc.

It's Friday! And today we cover: 2:01 What should I do with my old baseball cards? 6:31 Should I help my 6 & 8 year old's build a YouTube channel about video games? 45:33 I've just received an inheritance from my grandfather. What do I do with it? 53:01 What books should I read to my new baby? 1:12:12 How do you actually borrow against assets so as not to pay taxes?

Dec 3, 2021 • 1:23:10

833-Why Reading Aloud to Children is So Effective in Improving Academic Outcomes

833-Why Reading Aloud to Children is So Effective in Improving Academic Outcomes

There is one simple thing you can do that will almost assuredly ensure phenomenal academic outcomes for your child: read aloud. Lots. In today's episode, I explain in great detail why this works and how the process works, pulling from the phenomenal book by Jim Trelease called "The Read Aloud Handbook." Joshua

Dec 3, 2021 • 1:53:19

832-The Best Way to Invest in Your Children's Education (It's Absurdly Simple and Cheap)

832-The Best Way to Invest in Your Children's Education (It's Absurdly Simple and Cheap)

The Read-Aloud Handbook: Seventh Edition by Jim Trelease The Lexile Framework for Reading and Book Finder Honey for a Child's Heart: The Imaginative Use of Books in Family Life Books Children Love: A Guide to the Best Children's Literature Books That Build Character: A Guide to Teaching Your Child Moral Values Through Stories Robinson Self-Teaching Curriculum Robinson Curriculum Book List Ambleside Online Curriculum Ambleside Online Master Booklist MENSA for Kids booklist Personal MBA booklist

Dec 2, 2021 • 1:17:31

"An Old-Fashioned Thanksgiving" by Louisa May Alcott

"An Old-Fashioned Thanksgiving" by Louisa May Alcott

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving." The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year. But this story is filled with financial lessons for those with ears to hear. As you listen to a life of long ago (circa 1830), I'd

Nov 24, 2021 • 40:00

When the TSA Steals Your Cash...Sue Them!

When the TSA Steals Your Cash...Sue Them!

https://youtu.be/MOy4QQP0oBs https://www.techdirt.com/articles/20211106/17503547889/dea-racks-up-two-forfeiture-losses-one-week-returns-100000-stolen-cash-to-victims.shtml

Nov 20, 2021 • 29:08

829-Friday Q&A: Life Insurance, Live Rittenhouse Verdict, House Money, GILTI Tax, Etc.

829-Friday Q&A: Life Insurance, Live Rittenhouse Verdict, House Money, GILTI Tax, Etc.

On today's Q&A: 1:30 Should I buy life insurance if I want to build generational wealth? Live reaction to the Kyle Rittenhouse verdict 28:23 My parents have sold their house and they have $200,000 cash. What should they do? 36:00 Can I escape GILTI tax on my offshore earnings? 41:56 How can I make a living as an economist?

Nov 19, 2021 • 52:24

Mrs. RPF is Back! Homeschooling, Worldschooling, and Full-Time Travel with Little Kids

Mrs. RPF is Back! Homeschooling, Worldschooling, and Full-Time Travel with Little Kids

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Nov 17, 2021 • 1:10:25

How Quickly Will Social Security Run Out of Money?

How Quickly Will Social Security Run Out of Money?

https://www.ssa.gov/OACT/TR/2021/tr2021.pdf

Nov 15, 2021 • 1:24:36

826-Supply Chain Disruptions: Where Do We Go From Here? Interview with Steven Harris

826-Supply Chain Disruptions: Where Do We Go From Here? Interview with Steven Harris

We are living in a significant supply chain crisis. In today's show I've invited Steven Harris back on the show to discuss the current events as we seek to prognosticate a bit about where things could go from here and how we can be prepared for the impending changes. Enjoy! Joshua www.Harris1234.com and www.Steven1234.com

Nov 11, 2021 • 2:01:51

825-Friday Q&A: Moving Cash Safely, Massive House Values, Moving Abroad with Bitcoin, Etc.

825-Friday Q&A: Moving Cash Safely, Massive House Values, Moving Abroad with Bitcoin, Etc.

On today's Friday Q&A we cover: 1:30 - How can I grow my new blog? 17:10 - We bought a house that has massively increased in value. What do we do now? 29:06 - I need to move >$100,000 of currency across the country. How do I do this safely? 1:05:00 - I'm moving abroad while waiting for my Bitcoin to appreciate. What do I need to think about? 1:40:29 - How do I know when I'm ready to hire a financial advisor? Join us next week! https://www.patreon.com/RadicalPersonalFinance  Hire me personally!

Nov 4, 2021 • 1:53:53

824-Is it Cheaper to Live in Mexico or the USA?

824-Is it Cheaper to Live in Mexico or the USA?

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Oct 21, 2021 • 57:20

823-Don’t Take My Advice. First Ask Yourself If It Actually Applies to Me Right Now.

823-Don’t Take My Advice. First Ask Yourself If It Actually Applies to Me Right Now.

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Oct 19, 2021 • 16:10

822-DELETED EPISODE - Mental Models to Deal with Controversial Topics

822-DELETED EPISODE - Mental Models to Deal with Controversial Topics

I recorded this episode of the show to deal with a recent minor controversy from a passing comment I made. Then I decided it was too far out of the scope of what I want discussed on RPF, so I canned it, choosing not to release it. Well, the controversy continued, and after I shared this "deleted episode" with a few listeners privately who found it helpful, I decided to let you choose for yourself, rather than my censoring it. It's all explained in the intro! Joshua

Oct 18, 2021 • 1:46:48

821-Friday Q&A: Business, Student Loans, Bankruptcy, Babies, Annual Fees, Houses, Etc.

821-Friday Q&A: Business, Student Loans, Bankruptcy, Babies, Annual Fees, Houses, Etc.

On today's Friday Q&A show: 1:30 Difficulties on 1031 exchanges 6:45 Should I start a business on the side or full-time? 11:45 Can I deduct my student loans as a business expense? 12:15 We are expecting a baby. How should I use my paternity leave? 22:30 How do I get rid of a credit card with an annual fee? 30:15 Should I maintain multiple bank accounts and multiple brokers? 39:30 Should I buy a house? 44:00 How can we help children develop entrepreneurship? 52:00 How do I communicate with my wi

Oct 15, 2021 • 1:23:53

820-Is Freedom in the USA Doomed Due to Forced V Mandates?

820-Is Freedom in the USA Doomed Due to Forced V Mandates?

In today's podcast, I share with you: Why I think the USA is a good place to be right now with regard to personal freedom, even with various rules and mandates. What I think will happen in coming months. How to prepare if the USA turns into a not-so-good place to be. Enjoy! Joshua https://radicalpersonalfinance.com/consult

Oct 12, 2021 • 1:18:55

819-My Recent Experiences Teaching My Children French

819-My Recent Experiences Teaching My Children French

I recently traveled with my family to France, with a primary goal of buying French books to read to my children! Today, I'll share a progress update on this project. Joshua

Oct 11, 2021 • 25:41

818-How to Protect Yourself from Civil Asset Forfeiture

818-How to Protect Yourself from Civil Asset Forfeiture

Recently, US government agents raided 800 safe-deposit boxes and stole $86,000,000 of cash plus other valuables from the box holders. The government is trying to keep the money under the Civil Asset Forfeiture rules in the USA. Today, I explain the details of the case to you as well as how to protect your money and stuff from similar thefts. Joshua BOOK A CONSULTING CALL WITH JOSHUA: www.radicalpersonalfinance.com/consult  Yahoo News: "Federal authorities cash in on safety box seizures as owner

Oct 6, 2021 • 1:13:23

817-My Biggest Financial Mistakes - Pursuing a Lifestyle of Leisure

817-My Biggest Financial Mistakes - Pursuing a Lifestyle of Leisure

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Sep 25, 2021 • 35:12

816-Global Supply Chains are in Disarray; Buy the Physical Items You Need and Want Now

816-Global Supply Chains are in Disarray; Buy the Physical Items You Need and Want Now

...

Sep 25, 2021 • 14:38

Major Tax Changes Coming...Just Like Always!

Major Tax Changes Coming...Just Like Always!

Text of House Dems Proposal @CPAPlanner's tweetstorm on the proposal How Peter Thiel Saved $5 Billion Tax Free #PassportSheats

Sep 15, 2021 • 40:00

814-Will Your Bank Automatically Send All Your Info to the IRS?

814-Will Your Bank Automatically Send All Your Info to the IRS?

Biden wants IRS to snoop into your bank account, know when you have $600 or more Biden Tax Plan Leans on Banks to Help Find Unreported Income The proposal would require banks to report annual account inflows and outflows to the Internal Revenue Service White House Fact Sheet: The American Families Plan Department of the Treasury: General Explanations of the Administration’s Fiscal Year 2022 Revenue Proposals Elizabeth Warren's S.1788 - Restoring the IRS Act

Sep 14, 2021 • 1:19:01

813-A Truth About Personal Freedom I Desperately Wish Weren't True

813-A Truth About Personal Freedom I Desperately Wish Weren't True

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Sep 10, 2021 • 23:39

812-My Biggest Financial Mistakes: Not Selling Aggressively

812-My Biggest Financial Mistakes: Not Selling Aggressively

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Sep 9, 2021 • 56:58

811-Friday Q&A: Houses, S-Corp and Taxes, Traveling, Internationalizing, Diversification, How Much to Invest, Increasing Income

811-Friday Q&A: Houses, S-Corp and Taxes, Traveling, Internationalizing, Diversification, How Much to Invest, Increasing Income

Today we discuss: 1:30 My landlord has Stage 4 cancer and wants me to buy his house. Should I do it? 15:30 Should I start an S-Corp to save on taxes? 24:39 How can I learn to be a lighter traveler? 33:33 How can I enhance my international diversification? 46:43 How much net worth should you invest into a single project? 1:04:30 How can I increase my income? Join next week's call at https://patreon.com/RadicalPersonalFinance

Sep 3, 2021 • 1:38:34

810-My Biggest Financial Mistakes: Conservatism

810-My Biggest Financial Mistakes: Conservatism

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Aug 30, 2021 • 1:11:00

Friday Q&A: Education, Crypto Lending, Low Income Opportunities, Spending Money on Prepping, House Hacking, etc.

Friday Q&A: Education, Crypto Lending, Low Income Opportunities, Spending Money on Prepping, House Hacking, etc.

2:06 How should I save for my children's education? 31:00 How should I view crypto lending accounts? 38:00 My income is going to be super low this next year. What are my opportunities? 46:30 How much money should I spend on prepping? 1:03:30 I'm a new early retiree. Should I pay cash for a house or finance it? 1:22:30 I'm young and getting into house hacking. How should I start? 1:31:15 What are Joshua's real estate investment plans?

Aug 27, 2021 • 1:43:53

808-How to Lower the Stress of Travel

808-How to Lower the Stress of Travel

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Aug 26, 2021 • 25:07

Friday Q&A: Where to Start as 21-Year-Old, Liability on Rural Property, Saving for Retirement vs. House, etc.

Friday Q&A: Where to Start as 21-Year-Old, Liability on Rural Property, Saving for Retirement vs. House, etc.

It's Friday! On today's Q&A call we discuss: 1:20 I'm 21 years old and just bought a house. Should I do the Alpha Strategy? 24:50 I bought a rural property. How can I control my liability? 36:35 Should I prioritize retirement savings or a house down payment?

Aug 20, 2021 • 53:00

805-How to Buy a Quality Used Car Fast

805-How to Buy a Quality Used Car Fast

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Aug 13, 2021 • 55:23

804-Family Travel by Car is Vastly Superior to All Other Options

804-Family Travel by Car is Vastly Superior to All Other Options

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Aug 12, 2021 • 34:57

803-Friday Q&A: More Flag Theory, Debt Management, Etc.

803-Friday Q&A: More Flag Theory, Debt Management, Etc.

...

Aug 5, 2021 • 1:36:11

802-The Beauty and Excellence of a Conventional Life

802-The Beauty and Excellence of a Conventional Life

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Aug 4, 2021 • 1:07:46

801-Practical Tools to Travel the World Cheaply

801-Practical Tools to Travel the World Cheaply

...

Jul 30, 2021 • 26:48

Why I Defend Billionaires

Why I Defend Billionaires

...

Jul 21, 2021 • 35:37

799-When You Have to Run Because…War

799-When You Have to Run Because…War

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Jul 16, 2021 • 17:35

798-Family Travel Tips from a Full-Time Nomad Family

798-Family Travel Tips from a Full-Time Nomad Family

...

Jul 12, 2021 • 59:38

Analyzing Peter Thiel's $5 Billion Roth IRA

Analyzing Peter Thiel's $5 Billion Roth IRA

https://www.propublica.org/article/the-secret-irs-files-trove-of-never-before-seen-records-reveal-how-the-wealthiest-avoid-income-tax

Jun 28, 2021 • 1:09:06

796-This is Why You Shouldn't Leave Your Home Country and Go Elsewhere

796-This is Why You Shouldn't Leave Your Home Country and Go Elsewhere

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Jun 23, 2021 • 47:29

795-Friday Q&A: Michael Burry's Crypto Predictions, How Much Life Insurance, Florida

795-Friday Q&A: Michael Burry's Crypto Predictions, How Much Life Insurance, Florida

It's Friday! Today we discuss: 2:21 What do we do with Michael Burry's predictions of a crypto crash? 18:35 How do I figure out how much life insurance I need 35:45 Is Florida the best state in the USA? Enjoy! To join me next week, sign up here: https://patreon.com/RadicalPersonalFinance Joshua

Jun 18, 2021 • 1:00:27

794-Commentary on ProPublica Article: "The Secret IRS Files: Trove of Never-Before-Seen Records Reveal How the Wealthiest Avoid Income Tax"

794-Commentary on ProPublica Article: "The Secret IRS Files: Trove of Never-Before-Seen Records Reveal How the Wealthiest Avoid Income Tax"

ProPublica made a splash this week with their reporting on the wealthiest 25 Americans' tax returns. Let's discuss! Joshua https://www.propublica.org/article/the-secret-irs-files-trove-of-never-before-seen-records-reveal-how-the-wealthiest-avoid-income-tax

Jun 11, 2021 • 1:08:52

793-How This Man Built a Massive Business in a Frontier Market: Interview with Steve Aronson, Founder of Cafe Britt

793-How This Man Built a Massive Business in a Frontier Market: Interview with Steve Aronson, Founder of Cafe Britt

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Jun 9, 2021 • 1:08:55

792-Friday Q&A: DIY, Business in Mexico, CPA Business, Buying Houses, Liberland, AirBnB Living

792-Friday Q&A: DIY, Business in Mexico, CPA Business, Buying Houses, Liberland, AirBnB Living

On today's Friday Q&A we discuss: 1:30 Should I spend money on home projects when I'm capable of DIY? 17:20 What's involved with my opening a business in Mexico? 26:30 Is there any danger to my real estate strategy of doing owner-financing to Mexican immigrants? 35:30 How can a young CPA grow his business and career intelligently? 43:30 Should I buy a house? 1:01:00 What is the likely future of Liberland? 1:24:15 Is it crazy for us to AirBnB for 6 months while we find a new place to live? If y

Jun 4, 2021 • 1:48:10

791-Joshua's WhatsApp Metaphor and How It Will Apply to the Changing Financial World

791-Joshua's WhatsApp Metaphor and How It Will Apply to the Changing Financial World

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Jun 3, 2021 • 47:26

790-Starting a New Country Dedicated to the Principles of Liberty: Interview with Liberland President Vít Jedlička

790-Starting a New Country Dedicated to the Principles of Liberty: Interview with Liberland President Vít Jedlička

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Jun 2, 2021 • 30:21

789-Friday Q&A: Saving on Taxes, Learning a New Language, Getting into Camping, Inflation, etc.

789-Friday Q&A: Saving on Taxes, Learning a New Language, Getting into Camping, Inflation, etc.

On today's Friday Q&A is show we cover: 1:10 I have a new 109-acre property. How can I use it intelligently to offset the costs and taxes? 18:32 Should I pay off debt if I expect future inflation? 27:15 What tools should I use to learn a language from scratch? 41:45 How far can I go in deducting the expenses of my vacation rental and how far should I go to get tax deductions? 1:03:00 I'm getting my family into camping for the first time. Where should I start? 1:22:00 Should I invest into life s

May 28, 2021 • 1:31:16

788-Why I Got Bitcoin Wrong: An Apology

788-Why I Got Bitcoin Wrong: An Apology

In 2013, Bitcoin traded for $85 per coin. Today, it's at $40,000 per coin. I never once told you to buy Bitcoin. In today's show I'll explain why and I will apologize for that oversight. Joshua

May 20, 2021 • 1:09:10

787-The Freedom of Full-Time Family Travel

787-The Freedom of Full-Time Family Travel

As a family, we've just finished the first two weeks of our most-recent nomad adventure in Mexico! In today's show, I want to share with you how and why we live in a golden age of travel and how you can access it if you want to! Joshua

May 19, 2021 • 1:03:20

786-Is it Safe to Go to Mexico? Or Anywhere?

786-Is it Safe to Go to Mexico? Or Anywhere?

...

May 13, 2021 • 27:44

785-How to Move to Mexico (and Why You Should Establish Residency Now, Not Later)

785-How to Move to Mexico (and Why You Should Establish Residency Now, Not Later)

I firmly believe that any North American who is interested in a Plan B should consider Mexico as an option before almost any other country. In today's podcast I've invited attorney Enrique Ramírez Corona on the show to discuss how Mexico's immigration program works. Enjoy! Joshua Enrique's website: http://www.sanmiguel-legal.com/ Enrique's email: enrique@sanmiguel-legal.com

May 10, 2021 • 50:20

I Make Dreams Come True

I Make Dreams Come True

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May 5, 2021 • 49:53

783-Friday Q&A: Downsides to Second Citizenship, Crypto Wages, Cash Out Pension, Etc.

783-Friday Q&A: Downsides to Second Citizenship, Crypto Wages, Cash Out Pension, Etc.

It's Friday! Today we do Q&A! 1:30 Is there a downside to a second citizenship? 20:04 Should I invest for early retirement or buy a house? 47:37 How are my crypto wages taxed as I earn them and they grow? 1:06:00 Should I cash out my teacher's pension or keep it? 1:16:48 I make 3x money as I did 6 months ago. Am I spending too much? 1:24:27 I have $1,000,000 in the stock market. Should I sell? 1:38:20 How can I plant some flags as a farmer? 1:52:31 How can I pay my parents to work for my busine

May 1, 2021 • 2:20:51

782-What to Do When Nothing Is Working and You Feel Like the Darkness is Closing In

782-What to Do When Nothing Is Working and You Feel Like the Darkness is Closing In

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Apr 28, 2021 • 36:11

Disaster is NOT a Strategy

Disaster is NOT a Strategy

Disaster is NOT a strategy. But you can build a strategy for virtually any disaster. Joshua

Apr 22, 2021 • 12:50

How Should You Prioritize Tax Costs in Your Decisions?

How Should You Prioritize Tax Costs in Your Decisions?

...

Apr 14, 2021 • 52:50

779-Friday Q&A: Made a Bunch of Money; Now What? How Does Joshua Create a Podcast?

779-Friday Q&A: Made a Bunch of Money; Now What? How Does Joshua Create a Podcast?

It's Friday! Today we do live Q&A and cover: I made a bunch of money on a real estate deal. What do I do with the money now? 29:35 How does Joshua go about making a podcast? Joshua p.s., join me on Patreon to join us next week! https://patreon.com/RadicalPersonalFinance

Apr 9, 2021 • 49:42

778-How to Live Income Tax-Free in the USA (2 of 2) ...and Make Money!

778-How to Live Income Tax-Free in the USA (2 of 2) ...and Make Money!

Text me your comments and questions: 561-468-3158 Joshua

Apr 8, 2021 • 36:29

Announcement: Big, Big Travel Plans This Year!

Announcement: Big, Big Travel Plans This Year!

In today's show, I'll share the exciting Sheats' Family travel plans for the rest of this year! Joshua p.s., Brand new! Text me a question or comment at 561-468-3158!

Apr 5, 2021 • 26:01

50% Off Sale Ends Tomorrow!

50% Off Sale Ends Tomorrow!

https://radicalpersonalfinance.com/store use code CHANGINGPLATFORMS

Mar 31, 2021 • 1:06

777-How to Live Income Tax-Free in the USA (1 of 2)

777-How to Live Income Tax-Free in the USA (1 of 2)

It's exceedingly difficult to live income tax-free in the USA. (At least if we assume you're going to make some significant money.) But it's not impossible. At least not conceptually. You just have to avoid that pesky thing called "income." Let's talk about how! Joshua

Mar 22, 2021 • 29:55

776-Should You Cheat on Your Taxes to Save Money?

776-Should You Cheat on Your Taxes to Save Money?

Save 50 percent on all of my courses until March 31 with coupon code CHANGINGPLATFORMS at https://radicalpersonalfinance.com/store

Mar 16, 2021 • 27:46

775-Friday Q&A: Health Insurance or Health Sharing, Convert Group Life to Personal, Sell My Rental Property, etc.

775-Friday Q&A: Health Insurance or Health Sharing, Convert Group Life to Personal, Sell My Rental Property, etc.

Save 50% on all of my courses until March 31 using coupon code CHANGINGPLATFORMS at https://radicalpersonalfinance.com/store 2:30 Should I buy a health insurance policy on the public exchange or join a Christian Healthcare Ministry? 9:30 Can I open an HSA account if I’m on my parents’ policy? 13:00  How long should I keep my personal banking records? 17:10 Should I convert my group life insurance to a personal policy? 26:30 Should I sell my rental property to invest in something else? 35:10 Sho

Mar 12, 2021 • 47:18

774-The Shocking Truth of How Just a Tiny Bit of Tax Destroys the Compounding of Your Wealth (RE-DO TO CORRECT A SERIOUS MATH ERROR)

774-The Shocking Truth of How Just a Tiny Bit of Tax Destroys the Compounding of Your Wealth (RE-DO TO CORRECT A SERIOUS MATH ERROR)

The Magic Penny is the best-performing investment asset any of us could dream of having. Today I'll show you how just a little bit of tax totally decimates its results! Save 50% with code CHANGINGPLATFORMS only until March 31. https://radicalpersonalfinance.com/store​

Mar 11, 2021 • 17:50

773-How an Early Retirement Extreme Lifestyle Protects You From Catastrophic - Interview with Jacob Lund Fisker

773-How an Early Retirement Extreme Lifestyle Protects You From Catastrophic - Interview with Jacob Lund Fisker

I invited Jacob Lund Fisker back to Radical Personal Finance to discuss the Early Retirement Extreme lifestyle, investing, and how to protect yourself from catastrophic risk. https://radicalpersonalfinance.com/store​ Save 50% with CHANGINGPLATFORMS until March 31

Mar 10, 2021 • 1:49:29

The Unbelievable Impact of Just a Little Bit of Tax on Your Long-Term Wealth

The Unbelievable Impact of Just a Little Bit of Tax on Your Long-Term Wealth

Tax is almost assuredly your largest single expense. But even though you may know that intellectually, you may never have done the actual math to see how big of an impact it can make. Join me today for some simple but shocking math! Joshua Remember: save 50% on my courses before they disappear at https://radicalpersonalfinance.com/store using coupon code CHANGINGPLATFORMS. Book a consulting call with me at https://radicalpersonalfinance.com/consult (Only 13 left)

Mar 8, 2021 • 13:28

772-Friday Q&A: Investment Wins, Vacation Property, Offshore Liability, Disability Insurance

772-Friday Q&A: Investment Wins, Vacation Property, Offshore Liability, Disability Insurance

It's Friday and that means live Q&A! But remember that I'm doing a limited-time sale: Go to https://radicalpersonalfinance.com/store and get 50% OFF all of my courses using coupon code CHANGINGPLATFORMS I'm ending my personal consulting work on March 31, 2021. If you'd like to book a personal consultation with me, go to https://radicalpersonalfinance.com/consult and book now. Plus, you'll save 25% on that service too! On to today's topics: 2:40 What can I learn from my recent investment wins?

Mar 5, 2021 • 1:21:20

CLOSING FOR RENOVATION SALE! Save 50% on my courses until March 31

CLOSING FOR RENOVATION SALE! Save 50% on my courses until March 31

On March 31 I am removing my current courses from the marketplace so that I can re-shoot the video with fancier visual effects and release them at a higher price point. I'm also no longer going to provide personal phone consulting services after March 31. Save 50% on my courses with coupon code CHANGINGPLATFORMS available at https://radicalpersonalfinance.com/store  Save 25% on my phone consulting by booking a call with me at https://radicalpersonalfinance.com/consult  Both of these offers end

Mar 5, 2021 • 10:58

771-What Will They Say About Your Life When You Die?

771-What Will They Say About Your Life When You Die?

Today, I'm going to share with you my thoughts about a friend's life and share with you some lessons from his life.

Mar 4, 2021 • 1:05:37

770-Friday Q&A: HELOC for Stock Investing, Dental Tourism, CFP Career Prospects, Equity as Comp

770-Friday Q&A: HELOC for Stock Investing, Dental Tourism, CFP Career Prospects, Equity as Comp

It's Friday! Today we cover: 2:08 - Should I take out a HELOC on my house to invest in stocks? 20:48 - Can I save money on my taxes by starting a dental tourism company? 25:15 - Is the career of a CFP a good career? 39:20 - Should I sell my $600,000 crypto portfolio? 59:28 - How can I find new and interesting ideas for my life? 1:09:28 - How can I build a framework for my children’s education? 1:17:08 - Should I take a job that promises me equity as compensation? Enjoy! Joshua J

Feb 26, 2021 • 1:31:25

769-The Power of Beta

769-The Power of Beta

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Feb 23, 2021 • 55:38

768-The Psychological Freedom of Ratios

768-The Psychological Freedom of Ratios

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Feb 16, 2021 • 57:32

767-Friday Q&A: Government Job or Private-Sector, Getting Back Into Tax Compliance, Protecting Cash from Inflation,  Camper or Hotel, Traveling While on Maternity Leave, Etc.

767-Friday Q&A: Government Job or Private-Sector, Getting Back Into Tax Compliance, Protecting Cash from Inflation, Camper or Hotel, Traveling While on Maternity Leave, Etc.

In today's show we do live Q&A: 3:00 Should I take a government job with good benefits or a private sector job with other benefits? 16:42 How do I get myself back into tax compliance for a US citizen? 25:52 How should I protect my cash savings from inflation 35:30 Should I stay in hotels or buy a camper for my cross-country road trip? 56:30 Should I merge my HSA with my wife’s? 1:02:05 We are going to have a baby soon. Should we go travel with our maternity leave? 1:10:18 How can I

Feb 12, 2021 • 1:16:37

766-Count the Costs and Your Goals May be Far More Achievable

766-Count the Costs and Your Goals May be Far More Achievable

...

Feb 10, 2021 • 11:17

RPF Meetup Invitation: Thursday, February 11 in Bogotá, Colombia

RPF Meetup Invitation: Thursday, February 11 in Bogotá, Colombia

Hey Radicals! I'm hosting a public meetup this Thursday, February 11, 2021 in Bogotá, Colombia. If you'd like to join me, please email me: Joshua at Radical Personal Finance dot com. Joshua

Feb 8, 2021 • 1:28

765-The Freedom of Frugality

765-The Freedom of Frugality

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Jan 28, 2021 • 37:35

764-Money is the Ultimate Renewable Resource; Time is the Ultimate Non-Renewable Resource

764-Money is the Ultimate Renewable Resource; Time is the Ultimate Non-Renewable Resource

...

Jan 25, 2021 • 51:08

Friday Q&A: Retirement Accounts for Americans Abroad, Whole Life Insurance, Rental Property Furnishings, Giving Appreciated Assets to Charity, Etc.

Friday Q&A: Retirement Accounts for Americans Abroad, Whole Life Insurance, Rental Property Furnishings, Giving Appreciated Assets to Charity, Etc.

It's Friday! Live Q&A today: 2:00 Questions on retirement account contribution for US Americans living abroad 19:48 Should I dump my whole life insurance policy? 35:21 What are the rules on the disposition of stuff for my rental property? 45:21 Should I make big year-end contributions to my retirement accounts? 51:00 I just got laid off. What do I need to do now? 1:08:00 Should I enhance my charitable giving by giving appreciated assets? 1:14:44 How do I figure out the tax rules on

Jan 15, 2021 • 1:37:59

My 2021 Commitment: To Live Richly, Not Frugally

My 2021 Commitment: To Live Richly, Not Frugally

In 2021, I resolve to spend more money and not to engage in extreme savings. Here's why! Joshua Book a consult with me: https://radicalpersonalfinance.com/consult

Jan 14, 2021 • 48:39

How to End a Year and Plan a Better One, Part 3: Plan

How to End a Year and Plan a Better One, Part 3: Plan

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Dec 15, 2020 • 42:13

760-How to End a Year and Plan a Better One, Part 2: Dream

760-How to End a Year and Plan a Better One, Part 2: Dream

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Dec 9, 2020 • 1:05:37

Friday Q&A: Scaling Biz, 401(k) Rollovers, $600k Inheritance, Leaving a Corporate Job Faster, Moving Money Offshore

Friday Q&A: Scaling Biz, 401(k) Rollovers, $600k Inheritance, Leaving a Corporate Job Faster, Moving Money Offshore

Friday Q&A today: 2:10 - Free resource for end-of-the-year planning: www.yearcompass.com 3:00 - How aggressive should I be in scaling up my real estate company? 22:15 - Should I rollover my 401(k) and 403(b) to an IRA 35:30 - Should I put my child into kindergarten at an early age? 43:44 - Should I deduct my early stage business expenses now or later? 47:14 - What should I do with a $600,000 inheritance 1:06:00 - Should I participate in my 457(b) plan? 1:06:41 - I want to leave m

Dec 4, 2020 • 2:21:36

758-How to End a Year and Plan a Better One, Part 1: Reflect

758-How to End a Year and Plan a Better One, Part 1: Reflect

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Dec 2, 2020 • 50:20

Black Friday Sale...and Thanks!

Black Friday Sale...and Thanks!

Short message today to announce my Black Friday sale and to say thank you.  You can save 55% on all of my courses at https://radicalpersonalfinance.com/store by using Coupon Code BLACKFRIDAY2020. (Sale ends Tuesday, December 1) You can save 25% on a private consulting call at https://radicalpersonalfinance.com/consult

Nov 25, 2020 • 8:14

757-Friday Q&A: Cryptocurrency, Guaranteed Income for Early Retirement, Tax for Nomads, Investing in Children, Biblically Responsible Investing, Welfare, Etc.

757-Friday Q&A: Cryptocurrency, Guaranteed Income for Early Retirement, Tax for Nomads, Investing in Children, Biblically Responsible Investing, Welfare, Etc.

Live Friday Q&A today! 1:45 The future of cryptocurrency and associated tax questions 24:48 Should an early retiree set up a guaranteed income stream? 37:18 Will I owe tax if I’m moving around working as a digital nomad? 45:52 How can I invest in my children without messing up my simple cashflow system? 56:58 Should I invest in a Biblically Responsible mutual fund 1:12:38 Where can I put my real estate down payment money to get a bit more interest? 1:21:15 Joshua’s current advice f

Nov 13, 2020 • 1:58:29

756-How to Leave a Bad Government When Your Guy Loses the Election

756-How to Leave a Bad Government When Your Guy Loses the Election

Whenever we get into the throes of a hotly contested election, people threaten to leave if their preferred candidate loses. Most don't ever leave, of course. But should they? I'm not sure they should leave. Leaving is a drastic step and response. But I'm sure that most people should prepare to leave. Or make a plan to leave. And today I'll share with you the argument and the methods! Book a consult with me here: https://radicalpersonalfinance.com/consult Buy my course on internationalization ca

Nov 9, 2020 • 1:51:14

394-On Voting, Elections, & Presidential Politics: 10 Things You Can Do That Will Actually Make a Difference in Your Life and Community (aka, Joshua's Antidote to Your Election Fever)

394-On Voting, Elections, & Presidential Politics: 10 Things You Can Do That Will Actually Make a Difference in Your Life and Community (aka, Joshua's Antidote to Your Election Fever)

Note: This show was originally released on November 7, 2016. It's every bit as relevant today, November 2, 2020 as it was on that date. Listen to it afresh today with four years of hindsight.  ------------------- In case you haven't heard, this presidential election is the most important one in your lifetime. It will retain that title until November 9 when the 2020 election will take over as reigning champ. Not only is this the most important election of your lifetime, but if the wrong person is

Nov 2, 2020 • 1:05:14

Out & About: Emergency Fund Planning, Credit Cards, and Disability Insurance | Joshua's Appearance on the "Life Meets Money" Podcast

Out & About: Emergency Fund Planning, Credit Cards, and Disability Insurance | Joshua's Appearance on the "Life Meets Money" Podcast

Today I share with you a recent interview I gave for the Life Meets Money podcast with Matt Miner. Matt Miner has been on Radical Personal Finance several times and this was a fantastic interview! We discussed lifestyle design, risk and emergency planning, insurance, prepping, etc. in great detail.  Enjoy! Joshua This show was originally posted on the Life Meets Money podcast here: https://lifemeetsmoney.com/joshuasheats

Oct 27, 2020 • 1:54:45

755-Friday Q&A: Inherited Real Estate Taxes, Placeholder Annuities, Teaching Children about Money, Etc.

755-Friday Q&A: Inherited Real Estate Taxes, Placeholder Annuities, Teaching Children about Money, Etc.

It's Friday! Today we tackle: 1:30 Tax issues on inherited real estate + a healthy retirement 19:40 Should I buy a placeholder annuity so I get today’s mortality rates? 33:27 What opinions on teaching children about money has Joshua changed over the years? 47:00 Should I build a business in financial coaching? 1:16:45 I want to get into financial planning; what should I do? 1:39:42 I got denied for a credit card offer; what do I do next? I've recently begun offering financial consu

Oct 23, 2020 • 1:56:37

754-How to Invest in Commodities in a Radical Way (Metals, Tools, Food, Alcohol, etc.) | Interview with Steven Harris

754-How to Invest in Commodities in a Radical Way (Metals, Tools, Food, Alcohol, etc.) | Interview with Steven Harris

In today's show I'm welcoming Steven Harris back to the show to discuss investing in commodities. When most people think of investing in commodities, they immediately think of gold and silver. Gold and silver have a place and can be useful, but they are not the only pathway to investing in commodities. In today's show Steven and I discuss how you can invest in commodities like food, metal, tools, etc.  Enjoy! Joshua Go to www.RPF1234.com to buy Steven's preparedness education courses. They're a

Oct 19, 2020 • 2:32:25

Friday Q&A: Financial Privacy, Disability Insurance, Dealing with Insurance Agents, Land Contracts

Friday Q&A: Financial Privacy, Disability Insurance, Dealing with Insurance Agents, Land Contracts

It's Friday! In today's Q&A show we cover: 1:50 Buying disability insurance and maintaining financial privacy while dealing with insurance agents 40:30 Buying a house with a land contract Enjoy! Joshua

Oct 16, 2020 • 1:03:37

Friday Q&A: What to Do after Graduation, Speculating in Stocks, Concealed Carry Insurance, Asset Protection for Real Estate

Friday Q&A: What to Do after Graduation, Speculating in Stocks, Concealed Carry Insurance, Asset Protection for Real Estate

On today's Q&A call we cover: 00:45 I graduate with a nursing degree in 6 months. What should I do next? 20:20 Should I have speculated in the recent stock market downturn with my down payment money? 38:30 I have 3 properties. Do I need an LLC for asset protection? 57:30 Should I buy concealed carry insurance? To join next week's call, go to https://patreon.com/RadicalPersonalFinance  Enjoy! Joshua

Oct 9, 2020 • 1:20:30

751-How I Taught My Children to Speak Fluent Spanish in One Year With No Teachers, No Classes, and No Playmates or Spanish-Speaking Friends

751-How I Taught My Children to Speak Fluent Spanish in One Year With No Teachers, No Classes, and No Playmates or Spanish-Speaking Friends

One year ago my wife and I decided to teach our children Spanish. At the time, they spoke zero Spanish. We succeeded in the project even though: They don't go to a Spanish-speaking school They don't have any Spanish-speaking friends They've not taken any Spanish classes They don't have anybody speaking Spanish to them full-time In this episode, I'll teach you how I did it. Joshua P.S.  Stay tuned to the end to hear my eldest speaking in Spanish so you can assess his level of Spanish for yourse

Oct 8, 2020 • 1:19:33

Friday Q&A: Lifestyle Biz for Efficient Taxation, Sales Jobs, Asset Protection, Buying a More Expensive House, Etc.

Friday Q&A: Lifestyle Biz for Efficient Taxation, Sales Jobs, Asset Protection, Buying a More Expensive House, Etc.

On today's Friday Q&A call we discuss: 00:45 I’m inspired by Trump’s taxes. How can I start a lifestyle business for myself? 32:10 What kind of sales job should I get? 49:00 How can I protect my assets in Montana? 1:00:42 Should I buy a more expensive house? 1:22:42 Reasons to refinance your mortgage now 1:26:20 I still don’t understand Trump’s tax returns. Help! Enjoy! Joshua Join my Patreon to gain access to next week's call: https://www.patreon.com/RadicalPersonalFinance

Oct 2, 2020 • 1:47:48

Analyzing The NY Times Trump Tax Return Story (In Depth)

Analyzing The NY Times Trump Tax Return Story (In Depth)

The New York Times recently published a story on the analysis of President Trump's tax returns.  Allegedly, Trump has not paid any income taxes in 10 out of the last 15 years. In today's podcast I analyze the financial planning behind the details in the article and teach you how you can use the same techniques Trump uses to shelter his income from taxes. Joshua NY Times story: https://www.nytimes.com/interactive/2020/09/27/us/donald-trump-taxes.html  www.RadicalPersonalFinance.com/store

Sep 28, 2020 • 2:10:22

Friday Q&A: Better College Jobs, Online Privacy, Investment Income in Early Retirement, Moving to Central America, Etc.

Friday Q&A: Better College Jobs, Online Privacy, Investment Income in Early Retirement, Moving to Central America, Etc.

On today's Friday Q&A show: 1:03 I have a low-paying job while in college. How can I get a better job? 18:22 What name should I use for my online activities? 32:06 How do I actually take income from an investment portfolio in retirement? 49:23 I'm leaving California for Central America; where should I go? 1:11:50 I'm moving to Florida; what kind of hurricane planning do I need to do? 1:17:50 I'm worried about my exposure to USD. How can I hedge my bets? 1:22:54 I'm moving from California to Tex

Sep 25, 2020 • 2:04:34

747-How to Die Broke Like Billionaire Chuck Feeney Will

747-How to Die Broke Like Billionaire Chuck Feeney Will

Billionaire Churck Feeney has recently finished giving away his entire $8 billion fortune. In today's show, we'll talk about whether you should copy him and how you could do it. Joshua Forbes: The Billionaire Who Wanted To Die Broke...Is Now Officially Broke Where he gave his money: https://www.atlanticphilanthropies.org/wp-content/uploads/2019/10/ZeroIsTheHero.pdf

Sep 21, 2020 • 1:23:07

Friday Q&A: How to Get a Raise, Second Home vs. Investment Property, Saving vs. Giving

Friday Q&A: How to Get a Raise, Second Home vs. Investment Property, Saving vs. Giving

It's Friday! Today we cover: 00:48 How to get a raise at your job 11:55 Should I classify a 2nd house as an investment property or a second home? 25:30 Do I get a better deal on my mortgage by classifying a house as a second home? 31:15 How do I solve the tension between saving money and giving money? Enjoy! Joshua

Sep 18, 2020 • 1:33:38

745-Install a Success Operating System in Your Children

745-Install a Success Operating System in Your Children

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Sep 15, 2020 • 30:16

744-Friday Q&A: Contractor vs. Employee, Negative Interest Rates, Cash, Emergency Escape from Wildfires, How to Pay Down a Life Insurance Loan

744-Friday Q&A: Contractor vs. Employee, Negative Interest Rates, Cash, Emergency Escape from Wildfires, How to Pay Down a Life Insurance Loan

Friday Q&A show! Today we discuss: 00:30 Contractor status or employee status? 31:00 What happens with our money when interest rates go negative? 43:21 Is it really a good idea to have lots of cash on hand? 1:03:30 How should I set up an emergency escape vehicle to get out of California wildfires? 1:17:31 I used a life insurance loan as a down payment for my house; what do I do now?

Sep 11, 2020 • 1:26:16

743-Did We Get It Wrong? Reflecting on the Unexpected (?) Recovery of the Stock Market

743-Did We Get It Wrong? Reflecting on the Unexpected (?) Recovery of the Stock Market

In March, things looked really bleak. But the stock market recovered in a spectacular 5-month period. Did we get it wrong? Do we regret anything we did? Joshua

Sep 9, 2020 • 1:19:56

Great Coronavirus News All Around

Great Coronavirus News All Around

All of the news these days on coronavirus is positive. Is this a glimmer of the beginning of the end? Although we certainly expect many more people to get sick with COVID-19 and some to die, I think it is. I'll tell you why. Joshua

Sep 2, 2020 • 26:22

741-How to Help Your Children Discover, Develop, and Profit From Their Passions and Talents: Interview with Jonathan Harris

741-How to Help Your Children Discover, Develop, and Profit From Their Passions and Talents: Interview with Jonathan Harris

What are your goals for your children? What skills and abilities do you want them to have when they leave your home? My guest, Jonathan Harris, is the father of nine children. His four eldest children have all established themselves as independent adults, building careers on the foundation of their personal talents and passions. In today's show, we discuss the strategies and tactics that have been helpful for him. www.ParentTheirPassion.com   www.10ktotalent.com

Aug 29, 2020 • 1:42:13

Friday Q&A: Practical Prepping, Medicaid for Early Retirees, New Tow Rig, HOA Woes, Etc.

Friday Q&A: Practical Prepping, Medicaid for Early Retirees, New Tow Rig, HOA Woes, Etc.

Live Friday Q&A today! 00:50 I just bought a new house. What practical prepper stuff should I do? 32:00 Can I & should I use Medicaid to cover my health insurance needs in early retirement? 51:01 I need a new Tow Rig; what truck should I buy? 1:10:21 Should I refinance my mortgage? 1:15:06 How can I become more relaxed with conflict in my life? 1:29:00 My HOA is underfunded; should I be worried? Enjoy! Joshua

Aug 21, 2020 • 1:38:50

739-Friday Q&A: Socializing Children, IRA Taxation for Ex-US Citizens, Foreign Corps, Private Businesses, Etc.

739-Friday Q&A: Socializing Children, IRA Taxation for Ex-US Citizens, Foreign Corps, Private Businesses, Etc.

It's Friday! Today, we cover: 9:00 How to socialize children when stuck at home? 22:27 How are IRAs Taxed for US citizens who renounce their citizenship? 38:18 How should we set up foreign corporations for US citizens moving abroad? 50:00 How should I go about looking for a financial advisor? 59:09 How can I run a business with total privacy? 1:22:51 Where does media production go from here? 1:35:00 How can a retirement-age couple with $130,000 decide where to put their money? 1:47:21 Should I

Aug 14, 2020 • 2:00:43

738-Why Not Skip High School Virtual Classes and Take College Courses Instead?

738-Why Not Skip High School Virtual Classes and Take College Courses Instead?

Millions of students are sitting at home wasting their time watching online courses for measly high school credit. That's dumb. Why not just go ahead and get an online bachelor's degree instead? In today's show, I'll tell you how. Joshua

Jul 27, 2020 • 1:20:46

Friday Q&A: Equity Stripping a House in Divorce, Buy Whole Life Insurance in a Sabbatical, Affirmations in Personal Development, Etc.

Friday Q&A: Equity Stripping a House in Divorce, Buy Whole Life Insurance in a Sabbatical, Affirmations in Personal Development, Etc.

In today's Q&A we discuss: 1:30 How can we equity strip a house in preparation for divorce? 13:17 Should I buy more whole life insurance if I'm planning to take a sabbatical in 6-8 years? 49:21 Are affirmations useful for personal development? 1:15:00 Should I be worried about leaving my home place in the current emergency?

Jul 20, 2020 • 1:29:38

Tax Planning Advice for an American Couple Moving Abroad to Teach

Tax Planning Advice for an American Couple Moving Abroad to Teach

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Jul 17, 2020 • 44:22

Always Look for the Most Direct and Effective Path to Your Goals

Always Look for the Most Direct and Effective Path to Your Goals

...

Jul 16, 2020 • 32:13

734-How to Move to Canada - and Get a Second Passport!

734-How to Move to Canada - and Get a Second Passport!

Moving is an extremely effective—albeit disruptive—way to improve certain aspects of your life, both financially and personally. All over the world there are millions of people who understand very clearly that if they can simply move to a country with a healthier, more robust economy. But what country do you choose? For hundreds of thousands of people, Canada is an obvious solution. Today I've invited Brandon Miller, owner of Maple Immigration on to the show to discuss immigration into Canada. W

Jul 8, 2020 • 1:06:50

733-Friday Q&A: Privacy, Asset Protection, CARES Act Distributions, WWJD, Nomadism vs. Community

733-Friday Q&A: Privacy, Asset Protection, CARES Act Distributions, WWJD, Nomadism vs. Community

Friday Q&A: 1:30 What steps can I take to protect my privacy and assets as I get into real estate investing? 17:22 Should I take an early $100,000 IRA distribution due to the CARES Act? 24:30 WWJD if his global trip were cut short and he were trying to build an online business? 44:00 How can I build a sideline bee business that my children can help me with? 1:02:00 How can we reconcile the value of being a modern nomad with the value of local community? To join next week's show, support the sh

Jul 3, 2020 • 1:23:09

732-Friday Q&A: Proper Planning for Young People, Infinite Banking, Retirement Income, Etc.

732-Friday Q&A: Proper Planning for Young People, Infinite Banking, Retirement Income, Etc.

Live Friday Q&A: 2:00 Do I stick out my job and current career because it's profitable and comfortable or do I pivot to something new while I'm young? 16:20 Should I do Infinite Banking as part of my retirement plan? 38:40 Should I go to college? 59:10 My 79-year-old father needs income. What should he invest in? Join next week's show here: https://patreon.com/radicalpersonalfinance Listen to 227-The Five Benefits of College and Radical Ways to Exploit Them

Jun 26, 2020 • 1:20:42

731-Revolution, Reformation, and Wealth

731-Revolution, Reformation, and Wealth

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Jun 25, 2020 • 48:45

730-How to Choose Which Foreign Language to Learn to Increase Your Income

730-How to Choose Which Foreign Language to Learn to Increase Your Income

Resource: "Languages for the Future: The foreign languages the United Kingdom needs to become a truly global nation"  https://www.britishcouncil.org/sites/default/files/languages_for_the_future_2017.pdf

Jun 22, 2020 • 1:17:05

729-Modern Tools to Help You Learn a Foreign Language Faster

729-Modern Tools to Help You Learn a Foreign Language Faster

Increasing your language skills can help your brain, your social life, and your wallet. In today's show, I give you some tools I have found to be useful in my own foreign language studies. Joshua Fluent Forever by Gabriel Wyner https://fluent-forever.com/book/ Anki https://apps.ankiweb.net Lingq: https://www.lingq.com/en/

Jun 10, 2020 • 1:17:37

REPLAY 456-Protect Your Money by Arrest-Proofing Yourself and Your Children

REPLAY 456-Protect Your Money by Arrest-Proofing Yourself and Your Children

This episode was first published in May 1, 2017. It's important. Please listen. ------------------------------------------------------ If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye. You need insurance against that eventuality. Today, I'm going to teach you why it's vitally important that you arrest-proof yourself and how to do it. Joshua Arrest Proof Yourself book: http://amzn.to/2ph7Xos Don't Talk to the Police video: https://youtu.be/d-

Jun 5, 2020 • 2:24:37

728-Where Are We Right Now?

728-Where Are We Right Now?

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Jun 4, 2020 • 39:18

727-Friday Q&A: Credit Score, Helping Parents, Life Insurance on Children, Etc.

727-Friday Q&A: Credit Score, Helping Parents, Life Insurance on Children, Etc.

Time for live Q&A today! 3:15 Does changing my credit mix improve my credit score? 8:50 How can I find a good real estate deal? 14:48 My parents are in their early 50s and not saving money. How can I help them? 32:37 Should I buy life insurance on the lives of my children? 46:37 Should I buy a rental house first or my forever house? 50:46 How do I prioritize my financial goals? 55:15 We're having a baby! What should I know? 1:18:24 Where should I keep my emergency fund? Enjoy! Joshua

May 22, 2020 • 1:27:33

726-How to Lower the Emotional Risk of a New Venture

726-How to Lower the Emotional Risk of a New Venture

Watch this episode on YouTube: https://youtu.be/BQtrLx0EELw

May 18, 2020 • 48:43

Friday Q&A: Future of the USA, Bank on Yourself, Master's Degree, How to Meet Smart People

Friday Q&A: Future of the USA, Bank on Yourself, Master's Degree, How to Meet Smart People

It's Friday! Today we cover: 1:30 - What does Joshua think about the long-term future of the USA? 25:08 - Is Bank on Yourself / Infinite Banking a good idea? 56:13 - Should I get a Master's Degree right now or a job? 1:13:00 - How can I start a forum to meet smart people? Joshua P.S.  To join me on next week's Q&A show, join me on Patreon: https://patreon.com/radicalpersonalfinance

May 15, 2020 • 1:41:59

The Biggest Lifestyle Improvement Opportunity Available To You Right Now!

The Biggest Lifestyle Improvement Opportunity Available To You Right Now!

You have an incredible opportunity available to you right now. Don’t miss it! Watch this episode on YouTube: https://youtu.be/cvFLUsmlMWI

May 11, 2020 • 48:34

723-Seven Rings of Freedom: What Do You Do When You're Free?

723-Seven Rings of Freedom: What Do You Do When You're Free?

Watch this episode on YouTube: https://youtu.be/xBThQszqk4E

May 6, 2020 • 39:50

722-Why I Don't Miss Investing in the Stock Market

722-Why I Don't Miss Investing in the Stock Market

Watch this episode on YouTube: https://youtu.be/3KiE5BOwM9E

May 4, 2020 • 1:10:04

721-Friday Q&A: Stock Market Volatility, For-Profit Schools, Personal Self-Confidence, HELOCs, Etc.

721-Friday Q&A: Stock Market Volatility, For-Profit Schools, Personal Self-Confidence, HELOCs, Etc.

Watch this episode on YouTube: https://youtu.be/36fIApfStZM 1:30 - Stock market volatility - are total stock index funds a safe bet? 14:12 - How can I build self-confidence with public speaking? 18:54 - How can I start a for-profit daycare or school? 35:35 - How should I use this time to learn more about money? Other important topics?  How can I invest wisely at age 28? 46:00 - Should I take out a HELOC and use it to invest in a rental property? 53:00 - How can we decide whether my wife or I st

May 1, 2020 • 1:09:00

720-Commit to Growth, Exercise Courage, Develop Capability, Find Confidence

720-Commit to Growth, Exercise Courage, Develop Capability, Find Confidence

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May 1, 2020 • 23:33

719-How to Have a Low-Cost Adventure in the Midst of a Financial Depression

719-How to Have a Low-Cost Adventure in the Midst of a Financial Depression

Think you can't have a traveling adventure simply because you don't have any money? Well, if you think you can or you think you can't, you're right. If you'll adjust your mindset a bit, you can head out on a traveling adventure right now.

Apr 21, 2020 • 1:04:39

Friday Q&A: Credit Card Annual Fees, Like-Kind Exchanges, What to Do Next After Debt, Side Businesses, etc.

Friday Q&A: Credit Card Annual Fees, Like-Kind Exchanges, What to Do Next After Debt, Side Businesses, etc.

It's Friday! On today's live Q&A show we discuss: 1:10 Should I keep a credit card with an annual fee because it helps my credit score? 5:22 Should I pay off my mortgage right now or wait so I can invest in rental real estate? 10:59 Will the rental market be in demand again in the future? 12:22 Should I refinance my 15-year mortgage to a 30-year in order to have more cashflow? 15:20 What should a Radical Personal Finance live event look like? 23:47 Should I do a like-kind exchange right now or

Apr 17, 2020 • 1:25:04

717-Friday Q&A: HELOCs, Deferring Mortgage, Investing for 18-Year-Olds, Moving to the Country, Voluntary Furloughs, Etc.

717-Friday Q&A: HELOCs, Deferring Mortgage, Investing for 18-Year-Olds, Moving to the Country, Voluntary Furloughs, Etc.

It’s Friday! On today’s Q&A we cover: 1:23 - Should I take the HELOC money out and put it into my bank account? 4:57 - Should I defer my mortgage payments if possible? 6:30 - How does this economic crisis affect my FIRE plans? 16:52 - What should an 18-year-old do with $56,000 in his bank? 32:49 - Should we leave our high-income job to fulfill our dream of moving to the country? 48:24 - How should I give away $40,000 to $50,000 per year effectively? 1:19:20 - Should I take a voluntary furlough

Apr 10, 2020 • 1:59:22

716-How to Profit From a Recession

716-How to Profit From a Recession

We're in a recession. It hasn't been "officially" acknowledged yet, but it certainly will be. So let's talk about how you can profit from this situation. With the right attitude and the right decisions, you can come out of this difficult time positioned for greater and greater success. Let's talk about how. Joshua

Apr 7, 2020 • 1:25:21

715-How to Respond to An Emergency Loss of Income

715-How to Respond to An Emergency Loss of Income

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Mar 31, 2020 • 47:54

Friday Q&A: COVID-19 Update, Positive Thinking, Working Class Mentality vs. Rich Mentality, Ethical Problems, Market Participation, etc.

Friday Q&A: COVID-19 Update, Positive Thinking, Working Class Mentality vs. Rich Mentality, Ethical Problems, Market Participation, etc.

It's Friday! In today's Q&A show we cover: 1:00 Joshua's predictions on COVID-19 17:32 How to be positive during COVID-19 27:00 How to walk away from a working class mentality and adopt a rich mentality 52:12 Is it ethical for me to take unemployment insurance? 1:03:13 Is this a good time to go into the market? Enjoy! Sign up to support the show on Patreon: https://patreon.com/radicalpersonalfinance Private consulting is $150 off. Email joshua@radicalpersonalfinance.com with coupon code MARCH

Mar 27, 2020 • 1:20:56

Short Update: Courses, Consulting, and What a Man Really Needs

Short Update: Courses, Consulting, and What a Man Really Needs

Quick update: I'm available for private consulting. Hourly rate is discounted from $400 to $250 until the end of March with code MARCHMADNESS Email me: joshua@radicalpersonalfinance.com Courses are 20% off with code "CORONAVIRUS" at www.radicalpersonalfinance.com/store and at www.radicalpreparedness.com “To be truly challenging, a voyage, like a life, must rest on a firm foundation of financial unrest. Otherwise, you are doomed to a routine traverse, the kind known to yachtsmen who play with

Mar 25, 2020 • 13:32

Friday Q&A (Please Listen! SERIOUS Financial Concerns Discussed & Analyzed)

Friday Q&A (Please Listen! SERIOUS Financial Concerns Discussed & Analyzed)

It's Friday! We have a Q&A show today. But please listen. My economic concern continues to grow and I want you to be prepared for what could happen economically in the future. It's very serious. 1:15 I have a family member stuck in Costa Rica. How do they get home? 4:10 I'm about to get a tax refund. What should I do with the money? 33:05 Should I be working in California or Spain at the moment? How can I profit from the current crisis? 52:25 Why should I have thousands and thousands of dollars

Mar 20, 2020 • 1:49:19

Don't Fight the Seas, Simply Change Your Goals Instead

Don't Fight the Seas, Simply Change Your Goals Instead

Your goals can be changed in an instant; the seas cannot. It's easier to simply change your goals than the seas ahead. Joshua

Mar 19, 2020 • 42:34

Understanding the Rough Economic, Fiscal, & Monetary Waters Ahead

Understanding the Rough Economic, Fiscal, & Monetary Waters Ahead

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Mar 18, 2020 • 1:07:26

710-Where Do We Go From Here? (COVID19)

710-Where Do We Go From Here? (COVID19)

Perhaps, like me, you're having a hard time getting your brain to accept what you're seeing around you and on the news and you're trying to figure out what's going on. In working through this problem, I decided to chart out my Best-Case Scenario and my Worst-Case Scenario for both the medical problem of the COVID-19 pandemic and the economic outlook. I figured I might as well turn the microphone on and let you listen in. I hope it's useful. Joshua

Mar 15, 2020 • 1:00:09

709-Friday Q&A: Rentals, Down Payments, Refinancing, Career Transition, Quitting Job Right Now, Tax Loss Harvesting, EU Citizenship, 401(k) Loans, Nomad Living, Prepping and Keto Diets, Etc.

709-Friday Q&A: Rentals, Down Payments, Refinancing, Career Transition, Quitting Job Right Now, Tax Loss Harvesting, EU Citizenship, 401(k) Loans, Nomad Living, Prepping and Keto Diets, Etc.

It's Friday! Time for Q&A. In today's show we cover: 1:30 - How should I prepare for buying rental real estate in 2 years? 10:40 - Should I contribute to retirement savings while saving a down payment? 13:15 - Should I use a Roth IRA to accumulate a down payment? 18:00 - If I refinance my mortgage to get lower rates, what should I do with the money? 26:15 - How can I make the transition from a lucrative career to a side hustle? 45:45 - Should I quit my job right now, given the recent changes in

Mar 13, 2020 • 2:05:54

Warning: Don't Let My Optimism Lead to Your Inaction (Coronavirus)

Warning: Don't Let My Optimism Lead to Your Inaction (Coronavirus)

I woke up this morning and felt like I've been overly optimistic in my tone recently. I genuinely feel optimistic, but that's not because I don't think the situation is very dire. It is. In today's show, I try to share with you why I feel optimistic but I seek to give you a stern warning not to let my optimism lead to your inaction. Joshua

Mar 12, 2020 • 50:25

707-Thoughts on COVID-19 Events du Jour

707-Thoughts on COVID-19 Events du Jour

Quick interim show to share a few of my thoughts on the emerging COVID-19 events. Fascinating study in human psychology going on now. Pay attention! Coronavirus: Why You Must Act Now https://medium.com/@tomaspueyo/coronavirus-act-today-or-people-will-die-f4d3d9cd99ca The Korean clusters: How coronavirus cases exploded in South Korean churches and hospitals https://graphics.reuters.com/CHINA-HEALTH-SOUTHKOREA-CLUSTERS/0100B5G33SB/index.html

Mar 12, 2020 • 31:29

Current Events: Coronavirus, Recession, Stock Market, and Risk Management

Current Events: Coronavirus, Recession, Stock Market, and Risk Management

Current events show today. Let's discuss: COVID-19 Economic prognostication Stocks Risk Management Enjoy! Joshua

Mar 6, 2020 • 50:50

Louisville Meetup on Tuesday, March 10

Louisville Meetup on Tuesday, March 10

I'm hosting a public meetup for RPF listeners in Louisville, KY on Tuesday, March 10 (evening). If you'd like to come, email me for details: joshua@radicalpersonalfinance.com Joshua

Mar 6, 2020 • 0:55

705-Friday Q&A: Upgrading Lifestyle, Public Speaking Course, MPT, Antibiotics, 401(k)s, Multiple Citizenships, LTC Insurance, Asset Protection for Real Estate, ISOs

705-Friday Q&A: Upgrading Lifestyle, Public Speaking Course, MPT, Antibiotics, 401(k)s, Multiple Citizenships, LTC Insurance, Asset Protection for Real Estate, ISOs

Friday Q&A show: 1:35 I'm 25 years old and ready to upgrade my lifestyle. Can I and still get rich? 14:30 Should I pay the big money for a Dale Carnegie course instead of Toastmasters? 22:10 Is it possible to be a financial advisor when you don't like Modern Portfolio Theory? 32:15 Should I stock up on fish antibiotics for an emergency? 37:15 Should I stop investing in a 401(k) if I don't trust the government promises? 53:11 My "dream job" is turning not to be so dreamy. Should I quit or stick

Mar 2, 2020 • 2:08:54

Friday Q&A: Master's Degree, Changing Income, Cancel Whole Life Insurance, Pay Off Mortgage Early, etc.

Friday Q&A: Master's Degree, Changing Income, Cancel Whole Life Insurance, Pay Off Mortgage Early, etc.

It's Friday! Today we do live Q&A: 2:00 How should I support my girlfriend's desire to get a Master's degree in international development? 10:29 How should we make an investment plan for lowering our household income due to changing family circumstances? 16:55 Should I cancel my daughter's whole life insurance policy and do something else with the money? 38:40 Should I keep my mortgage and plan to pay it off with my stock market investments so I can retire early?

Feb 28, 2020 • 54:47

703-On-the-Ground Insights to Prepare for a Venezuela-Style Economic Collapse

703-On-the-Ground Insights to Prepare for a Venezuela-Style Economic Collapse

The most important economic collapse ongoing in the world right now is Venezuela. Today, I bring you an interview with a friend of mine who is actively working inside Venezuela to bring relief. He's here to share with you his experiences of what things are actually like inside Venezuela. Joshua

Feb 26, 2020 • 1:30:02

702-Why You Should Take the Coronavirus Seriously and Prepare

702-Why You Should Take the Coronavirus Seriously and Prepare

It's been a month since I first spoke to you about the Coronavirus, now called COVID19. In today's episode, I double-down and share with you my concern and how I think you should prepare for the potential economic ramifications of global pandemic. Joshua Join my prepping class tonight! www.RadicalPreparedness.com Understanding Just-In-Time inventory systems: Episode 581 How to Prepare for Recession: Episode 666 CDC: "Interim Guidance for Businesses and Employers to Plan and Respond to Coronaviru

Feb 24, 2020 • 1:34:07

701-Seven Rings of Freedom: Financial Liberty

701-Seven Rings of Freedom: Financial Liberty

Today, we reach the seventh, capstone Ring of Freedom: Financial Liberty. When you are Financially Independent (able to live your desired lifestyle on the income from your investments), you have reached a genuinely huge level of personal freedom. Joshua www.RadicalPreparedness.com

Feb 21, 2020 • 1:07:24

700-Friday Q&A: Should I Break My Lease and Live in My Prius?

700-Friday Q&A: Should I Break My Lease and Live in My Prius?

It's Friday! That means a live call-in show for Patrons. Sign up here: http://patreon.com/radicalpersonalfinance Today, we cover: I just left my job. Should I break my lease and live in my Prius? Enjoy! Joshua

Feb 14, 2020 • 37:17

699-Seven Rings of Freedom: State Liberty

699-Seven Rings of Freedom: State Liberty

How do you live freely in a world of increasing government oppression? Is it possible to escape onerous government involvement in your life? Here's my answer! Joshua

Feb 12, 2020 • 1:34:59

698-Seven Rings of Freedom: Business Liberty

698-Seven Rings of Freedom: Business Liberty

I'm convinced entrepreneurship provides you with a massive level of personal and lifestyle freedom. Here's why. Joshua

Feb 10, 2020 • 1:24:39

697-Seven Rings of Freedom: Spending Liberty (Part 2 of 2)

697-Seven Rings of Freedom: Spending Liberty (Part 2 of 2)

In this episode, part 2 of our "Spending Liberty" focus, we discuss the value of savings and how relatively small amounts of savings can buy you personal freedom! Joshua

Feb 4, 2020 • 50:23

696-Seven Rings of Freedom: Spending Liberty (Part 1 of 2)

696-Seven Rings of Freedom: Spending Liberty (Part 1 of 2)

Today we talk about the incredible liberty that you can enjoy in your life when you make the commitment to get and stay debt-free! Enjoy, Joshua

Jan 31, 2020 • 1:07:22

Live Practical Preparedness Class Starting February 3

Live Practical Preparedness Class Starting February 3

Join me for a live set of classes on Practical Preparedness. Classes begin February 3. Sign up here: http://radicalpreparedness.com More details in the show, Joshua

Jan 28, 2020 • 26:13

How to Prepare for a Flu/Coronavirus Quarantine

How to Prepare for a Flu/Coronavirus Quarantine

I'm fascinated by the reports and videos coming out of Wuhan, China. I've never before seen a city of 11 million people shut down for a quarantine. I don't think it's every been done before! But it's amazing to watch. Today, I want you to think about what would happen to you and your family if you were quarantined for an extended time. If I sent you home and said you and your family had to stay there for the next 30 days, could you do it? Would you survive? Would you be comfortable? If not, you'

Jan 27, 2020 • 1:05:13

694-Friday Q&A: Should We Quit Our High-Income Career to Be Home With The Kids?

694-Friday Q&A: Should We Quit Our High-Income Career to Be Home With The Kids?

To join next week's Q&A call, go to www.patreon.com/radicalpersonalfinance Joshua

Jan 24, 2020 • 54:18

Fat Loss & Money: 70 Pounds and Counting

Fat Loss & Money: 70 Pounds and Counting

In today's show I share with you some fat loss and money lessons learned from my 70 pounds of weight loss over the last 6 months. I hope you'll find some nuggets to help you get skinny and rich as well. Joshua

Jan 16, 2020 • 1:37:12

692-Seven Rings of Freedom: Family Liberty

692-Seven Rings of Freedom: Family Liberty

I want you to live as a free man. So in this series, I'm working to give you some ideas as to how you can achieve a very high level of freedom while you're on your way to financial independence. Today, I'm going to share with you the dramatic impact that home education can make on your family's personal liberty. Joshua

Jan 14, 2020 • 1:01:53

691-Financial Goals for You To Set: Get a Better Job

691-Financial Goals for You To Set: Get a Better Job

You should set a goal of getting a better job. Here's why! Joshua

Jan 13, 2020 • 17:36

690-Seven Rings of Freedom: Spousal Liberty

690-Seven Rings of Freedom: Spousal Liberty

In this series, I aim to give you some ideas that have helped me to develop an extremely free lifestyle, even though I'm not yet financially independent. Today, I'm going to share with you one of the single greatest assets that I enjoy in my quest for personal freedom: a stay-at-home wife. This lifestyle choice is one of the things that has most meaningfully contributed to the joy and freedom that my family experiences. It's also helped us massively financially. Consider it for yourself! Joshua

Jan 10, 2020 • 1:37:52

689-The Missionary Position

689-The Missionary Position

Today I have an interesting essay to share with you. Have you ever thought of The Missionary Position as a path to a life of global freedom? :) Enjoy, Joshua

Jan 9, 2020 • 30:03

688-Seven Rings of Freedom: Spiritual Liberty

688-Seven Rings of Freedom: Spiritual Liberty

I want you to experience a lifestyle of freedom and liberty, in every sense of the word. So today we begin a new series called "Seven Rings of Freedom." Achieving financial independence will make you more free. But there are a bunch of things that you can do along the way that will greatly increase your freedom. Today, we discuss Spiritual Liberty. If you are personally, spiritually free, you can enjoy peace and joy and contentment in your situation, no matter what the details of your situation

Jan 7, 2020 • 1:06:50

687-The Decade Past; The Decade To Come

687-The Decade Past; The Decade To Come

Today I reflect on some of the successes and failures of the decade past and share some of my ambitions for the decade to come. Joshua

Dec 31, 2019 • 1:15:56

686-How to Set Financial Goals, Part 4: Set Goals You Don't Know How to Achieve

686-How to Set Financial Goals, Part 4: Set Goals You Don't Know How to Achieve

Set goals that you don't know how to achieve. Joshua www.RadicalBookList.com

Dec 19, 2019 • 18:06

685-Friday Q&A: Business Liability Insurance, Life Insurance for Fat People, Short-Term Savings, Dividend Investors

685-Friday Q&A: Business Liability Insurance, Life Insurance for Fat People, Short-Term Savings, Dividend Investors

It's Friday! Time for Q&A: 3:40 Do I need liability insurance for my business? 35:45 How can I get good life insurance rates if I'm fat? 1:20:25 What should I do for $300,000 of cash I'm saving for a business investment very shortly? 1:22:30 Why are "high finance" people so dismissive of people who like dividend investing? Joshua Join me for next week's call by supporting the show on Patreon. www.patreon.com/radicalpersonalfinance

Dec 13, 2019 • 1:32:30

684-How to Set Financial Goals, Part 3: Count the Cost

684-How to Set Financial Goals, Part 3: Count the Cost

When you set a goal, you've got to count the cost; the financial cost and the opportunity cost. Counting the cost may be enough to show you the path forward. Joshua

Dec 12, 2019 • 41:40

683-Friday Q&A: Career Skills, Buying a House, 401(k) Safety, Investing Locally, 1% Fees, etc.

683-Friday Q&A: Career Skills, Buying a House, 401(k) Safety, Investing Locally, 1% Fees, etc.

It's a live Q&A show today! We cover: 1:30 - How can I build career confidence and skills when I don't have much time? 30:15 - I just got married; what is good advice for buying a house? 41:35 - How can I make sure that my 401(k) money is safe in case of recession? 54:15 - How can I invest into my local community? 1:12:45 - Should investors pay 1% to hire a financial advisor?

Dec 6, 2019 • 1:37:42

682-How to Set Financial Goals, Part 2: Why & How

682-How to Set Financial Goals, Part 2: Why & How

Dig deep—really deep—into the "Why" behind your financial goals. Joshua

Dec 3, 2019 • 29:54

681-How To Set Financial Goals, Part 1: Dream and Count the Cost of Your Dreams

681-How To Set Financial Goals, Part 1: Dream and Count the Cost of Your Dreams

A new decade is dawning and my hope is that this decade be the best one yet! But if you're going to tackle this decade proactively, you'll need to begin by dreaming a bit about what you'd like to accomplish this coming decade. Let's get started, Joshua REMEMBER: save 50% on all my courses until midnight tonight using code CYBER50 at www.RadicalPersonalFinance.com/store

Dec 2, 2019 • 42:38

Ketogenic Eating for Good Health and Rapid Fat Loss with Jack Spirko, Host of The Survival Podcast

Ketogenic Eating for Good Health and Rapid Fat Loss with Jack Spirko, Host of The Survival Podcast

On today's show we veer away from financial independence and into living well today with a discussion of the Ketogenic diet. I've invited Jack Spirko, host of The Survival Podcast on today's show to discuss his recent weight loss journey. He has lost a significant amount of body fat in a short period of time and together we share ideas, tips, and experiences to help you achieve fat loss as well. Enjoy! Joshua Jack recommends the "Keto Diet App" for tracking macros. What about fiber? www.gutsens

Nov 30, 2019 • 1:42:25

Fifty Pounds and Counting: Encouragement For You From My Own Weight Loss Journey

Fifty Pounds and Counting: Encouragement For You From My Own Weight Loss Journey

Over the last 5 months or so I've lost over 50 pounds of fat. This fat loss has significantly improved the rich quality of my life. I'd like to share a few words of experience and encouragement with you to help you on your own fat loss journey. Joshua P.S. Remember, code "CYBER50" saves you 50% off all my courses through Monday at www.RadicalPersonalFinance.com/store

Nov 29, 2019 • 52:11

50% off sale on courses/consulting this weekend only!

50% off sale on courses/consulting this weekend only!

I'm hosting a 50% off sale on all my courses this weekend only. Use coupon code "CYBER50" at www.RadicalPersonalFinance.com/store before midnight Monday. I'm also offering a 30% discount on private consulting work booked by Monday. Email me at Joshua@RadicalPersonalFinance.com before midnight Monday to book a consulting call. Enjoy the savings! Joshua

Nov 29, 2019 • 11:49

678-Live Rich Now By Cultivating Gratitude For Your Trials

678-Live Rich Now By Cultivating Gratitude For Your Trials

Don't be so future-focused that you miss the lessons and joy of today's trials. Joshua

Nov 27, 2019 • 40:48

677-Don’t Just Stand There Researching...Try It!

677-Don’t Just Stand There Researching...Try It!

...

Nov 21, 2019 • 12:10

676-Medical Tourism: Real-Life Experiences From Myles Wakeham of Be Unconstrained

676-Medical Tourism: Real-Life Experiences From Myles Wakeham of Be Unconstrained

Today's guest recently had extensive shoulder surgery done and he saved thousands by choosing to have the surgery in Mexico rather than the USA. We discuss the details of his experience as well as his personal financial independence success story. Enjoy! Joshua

Nov 7, 2019 • 1:11:24

675-Friday Q&A: Buying a Business, Minority Shareholder, Gifting a Rental, Refinancing Mortgage, Etc.

675-Friday Q&A: Buying a Business, Minority Shareholder, Gifting a Rental, Refinancing Mortgage, Etc.

Today, we do Friday Q&A: 00:00 Should I quit my job while I look for a business to buy or wait until I find one? 13:00 How should I go about becoming a minority partner in a business? 26:28 What is the best way for my dad to give me a rental property he doesn't want anymore? 41:00 Should I refinance from a 15-year mortgage to a 30-year mortgage? (And how can I progress in my career?) 1:00:17 Should I sell my stocks in anticipation of a market decline? Enjoy! Joshua Join me on next week's Q&A!

Nov 1, 2019 • 1:34:46

674-Friday Q&A: Sabbaticals, Home-Schooling, Modern Portfolio Theory

674-Friday Q&A: Sabbaticals, Home-Schooling, Modern Portfolio Theory

On today's Friday Q&A, we cover: 1:45 The value of a sabbatical 17:45 Homeschooling vs. private schools 46:30 Modern Portfolio Theory Enjoy! Joshua If you'd like my recommended reading list for financial freedom, go to http://RadicalBookList.com

Oct 25, 2019 • 1:04:53

REPLAY: 575-How & Why I Scanned My Entire Library So I Can Carry It With Me On The Road

REPLAY: 575-How & Why I Scanned My Entire Library So I Can Carry It With Me On The Road

In light of the previous show, I've received many questions about scanning all my books. Here's a replay of the show where I explain what I've done and why. Joshua

Oct 17, 2019 • 34:16

673-How To Read A Book

673-How To Read A Book

Reading can provide you with all of the knowledge you need to crush some very large goals in a very short time. But you need to know how to read effectively. Today, I teach you how. Joshua Get my recommended reading list here: http://RadicalBookList.com

Oct 9, 2019 • 1:39:45

Create The Reality You Will Live In

Create The Reality You Will Live In

Listen to the show. Joshua

Oct 3, 2019 • 1:04:03

671-Ideas to Help You Build Social Capital and Political Influence

671-Ideas to Help You Build Social Capital and Political Influence

If you were discharged from the military for cocaine use, would you be able to seamlessly move into a $600,000/year job? If not, you should consider building your influence a bit more! In today's show I'll give you some ideas to help you develop this influence. Joshua Networking With the Affluent by Thomas Stanley

Sep 30, 2019 • 54:35

Building a Big Business With 7 Young Children in the House! Interview with Tim Schmoyer of VideoCreators

Building a Big Business With 7 Young Children in the House! Interview with Tim Schmoyer of VideoCreators

Can you imagine starting a business when you've been laid off from a job and you have many young children in the house? My guest today, Tim Schmoyer, has done just that. And he has prospered through the process. Joshua

Sep 25, 2019 • 39:47

669-Friday Q&A: Seminar, Healthcare Risk, Moving States, Parents' Retirement, Etc.

669-Friday Q&A: Seminar, Healthcare Risk, Moving States, Parents' Retirement, Etc.

1:00 Would you like to come to a 3-day seminar with fellow listeners? 10:11 How can I prepare for healthcare risk? 24:50 How do I calculate the financial costs/benefits of moving states? 35:30 How do I help my parents who don’t have much money build a retirement plan? 53:05 How can I market my physical product? 1:06:45 Should I use whole life insurance as the cash component of my permanent portfolio? 1:30:10 Should I put my life insurance policies into a trust? 1:47:10 How do I balance prepping

Sep 21, 2019 • 2:03:55

668-An Immigrant Success Story: Broke to Financially Independent in 12 Years

668-An Immigrant Success Story: Broke to Financially Independent in 12 Years

My guest on today's show moved from India to the USA as a young man. Starting with no money, he became financially independent in about 12 years. In today's interview we dig into the strategies and tactics that worked for him. Enjoy! Joshua John's website: www.FinancialFreedomCountdown.com

Sep 18, 2019 • 1:05:03

667-How To Build a Great Life When Everybody Hates You

667-How To Build a Great Life When Everybody Hates You

In today's show, I have a special story for you of how my friend Anatole built a great life for himself, even though everyone hated him. Enjoy! Joshua

Sep 16, 2019 • 9:18

REPLAY 194-You Just Got Laid Off. Here's What To Do Next!

REPLAY 194-You Just Got Laid Off. Here's What To Do Next!

Today, we finish out the 3-part series on preparing for layoffs in the coming recession. Today's show will be useful to you, even if you just got notice of your layoff and didn't do anything to prepare for it beforehand. The major theme of today's show is that you need to take appropriate action with appropriate speed. If you're stuck with little savings and no preparation, that means take massive action, now! If you've planned a bit better in advance, it means be strategic and thoughtful. We di

Sep 12, 2019 • 1:04:45

REPLAY 193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

REPLAY 193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might result in your being laid off, even though you've done everything "right." So, you need a backup plan. Don't wait and wonder what you'll do. Make a simple plan now for what you'll do. Think about some different scenarios and play some mental games with yourself. That way, you'll be able to better respond to events instead of being shell-shocked by them

Sep 10, 2019 • 1:08:53

REPLAY 192-Recession is Coming: How to Not Get Laid Off In the Next Recession

REPLAY 192-Recession is Coming: How to Not Get Laid Off In the Next Recession

Originally released May 13, 2015. And just as important today. ------------------------------------------- For most of us, our jobs are the economic engine that drive every aspect of our financial plan. One of the worst things that can happen is to lose a job. If the engine on your car dies, you're going to be stuck by the side of the road for a while. That's not pleasant for anyone, even if you're stuck in a safe area. But, if you're driving up a mountain (paying off debt and digging yourself o

Sep 5, 2019 • 59:55

666-How to Prepare for the Coming Recession

666-How to Prepare for the Coming Recession

It's official: the Yield Curve on US Debt is inverted. That's a pretty good indicator that recession is in our future. So, today I want to tell you how to prepare for the coming recession. Enjoy! And do. Joshua

Sep 3, 2019 • 1:13:53

665-Friday Q&A: YNAB, Privacy, Inheritances, & Prepping

665-Friday Q&A: YNAB, Privacy, Inheritances, & Prepping

1:30 How does Joshua use YNAB on a daily basis? 17:30 How has the pursuit of privacy cost you? 30:30 Should I have kept my inherited property as separate property instead of community property? 43:00 How can I get started prepping?

Aug 30, 2019 • 1:18:04

Meetup in Washington DC, September 3

Meetup in Washington DC, September 3

I'd like to invite you to meet up with me on Tuesday, September 3 in Washington, DC, USA. If you'd like to connect, please email me and I'll give you all the details. Email me: joshua at radical personal finance dot com. Joshua

Aug 29, 2019 • 1:07

664-Can You Become Financially Independent If You Have Children?

664-Can You Become Financially Independent If You Have Children?

It seems like many of the prominent voices in the FIRE movement are single individuals or childless couples. But many of us have children or want to have children. Does that mean that we will fail in our attempts to become Financially Independent? Are you doomed to choose between FIRE or children? Today, I'll give you my answers. (Spoiler: you can FIRE and have children too!) Joshua

Aug 28, 2019 • 1:40:58

663-Should Christians Participate in Tax Strikes and Tax Protest Movements?

663-Should Christians Participate in Tax Strikes and Tax Protest Movements?

We live in interesting times. It seems that most of us could list off several things that our government does with our tax money that we find offensive. But how should Christians deal with the morality of having their tax money used to support immoral activity? Should Christians participate in tax strikes and tax protests? Joshua

Aug 22, 2019 • 1:10:33

662-Why is Joshua So Anti-Tax?

662-Why is Joshua So Anti-Tax?

A listener wrote in and essentially asked, "Why is Joshua so anti-tax?" So, I thought I'd give that question a crack for you. Joshua

Aug 20, 2019 • 1:37:36

661-Back to Basics: The Power of Cash

661-Back to Basics: The Power of Cash

I want you to use more cash so you can get richer, faster. Joshua

Aug 14, 2019 • 1:07:38

660-Back to Basics: The Problem With Debt

660-Back to Basics: The Problem With Debt

I want you to understand the basic problem with debt so that you'll be prepared to avoid it. Joshua

Aug 12, 2019 • 36:35

How My Ideas and Philosophies on Education Have Changed Over the Years

How My Ideas and Philosophies on Education Have Changed Over the Years

I've talked a lot about education over the years...in this episode I'll tell you what we're doing with our children and talk about some philosophies that have been influential on me. And I'll tell you what I got wrong in the past. Joshua

Aug 7, 2019 • 1:44:01

658-The Natural Symbiosis Between Prepping and Financial Planning

658-The Natural Symbiosis Between Prepping and Financial Planning

There is a natural symbiosis between prepping and mainstream financial planning. Here's why. Joshua

Aug 5, 2019 • 1:08:51

657-Mental Money Games to Change Your Behavior for the Better

657-Mental Money Games to Change Your Behavior for the Better

A key to life change is behavior modification. And mental money games can help you get there. Joshua

Jul 31, 2019 • 51:52

656-Twelve Interesting Ways to Invest In Your Children

656-Twelve Interesting Ways to Invest In Your Children

Ask your average financial advisor how to invest for your children's future and he'll likely start pulling out brochures for a 529 plan. B-O-O-O-O-R-I-N-G!!! Is there anything wrong with a 529 plan? No. But is that really the most effective use of your money? Only if you don't have any better ideas. So let me give you some to ponder! Here are 12 Much More Interesting™️ Ways to Invest In Your Children! Joshua P.S. Go here and buy something so I can do this stuff for my children! https://radicalpe

Jul 29, 2019 • 1:35:04

655-Friday Q&A: Protecting a Non-Working Spouse, Cash Savings, Wealth Accumulation vs. Living, etc.

655-Friday Q&A: Protecting a Non-Working Spouse, Cash Savings, Wealth Accumulation vs. Living, etc.

It's Friday! That means live Q&A. Enjoy! Joshua

Jul 20, 2019 • 1:08:05

654-A New, Legal Tax Scheme to Help You Save Capital Gains: Qualified Opportunity Zones

654-A New, Legal Tax Scheme to Help You Save Capital Gains: Qualified Opportunity Zones

Today we discuss Qualified Opportunity Zones, a legitimately new way for you to potentially save on capital gains taxes. Joshua Map of designated opportunity zones:https://esrimedia.maps.arcgis.com/apps/View/index.html?appid=77f3cad12b6c4bffb816332544f04542

Jul 17, 2019 • 36:44

How Tax Rule Changes Can Sink Your Financial Plan (Discussion of H.R. 1994: the SECURE act)

How Tax Rule Changes Can Sink Your Financial Plan (Discussion of H.R. 1994: the SECURE act)

There is an important piece of legislation that has passed the House of Representatives and is being considered in the Senate. It's technically known as H.R. 1994 "Setting Every Community Up for Retirement Enhancement Act of 2019." It has some changes that are potentially helpful to you; and some that may destroy the value of your qualified accounts. Joshua

Jul 15, 2019 • 46:30

652-Cost of Living vs. Quality of Life (with an international flair)

652-Cost of Living vs. Quality of Life (with an international flair)

How do you balance the Costs of Living with your Quality of Life when you're thinking about moving out of your home country? Let's discuss! Joshua

Jul 10, 2019 • 55:36

651-Can You Invest Better Than a Hedge Fund Manager?

651-Can You Invest Better Than a Hedge Fund Manager?

In order to build wealth over your lifetime you need to #InvestWisely. But, how? How do you do it? What should you invest in? Today, we discuss that question with an active hedge fund manager named John Medford. He and his team manage a large fund with an impressive record. And, in this episode, we discuss why you probably shouldn't bother to try competing with him. Joshua

Jul 5, 2019 • 1:09:48

650-The Case for Pop-Up Campers

650-The Case for Pop-Up Campers

I think a pop up tent camper is an ideal compromise for family vacation travel. In this show, I tell you why. Joshua

Jul 2, 2019 • 53:49

Friday Q&A: Fiscal Future of the USA, Financial Coaching, International Living, Dividend Investing, Morality of Investing, Quitting my Job, etc.

Friday Q&A: Fiscal Future of the USA, Financial Coaching, International Living, Dividend Investing, Morality of Investing, Quitting my Job, etc.

1:30 What is the fiscal future of the USA in light of the Democratic candidates' debate this week? 19:12 How could I do financial coaching for the not-yet-wealthy? 35:20 What are the benefits of international living? 41:15 Should I be a dividend investor or index fund investor? And how can I simultaneously be a moral investor? 1:15:45 Should I quit my job because I can? 1:33:30 How could I invest differently than just real estate and mutual funds?

Jun 28, 2019 • 1:54:45

648-Friday Q&A: Sell Crypto to Pay Debt, Adjust Investments for Economic Uncertainty, Adjusting Finances for Divorce, Birth Tourism, Living Abroad, Etc.

648-Friday Q&A: Sell Crypto to Pay Debt, Adjust Investments for Economic Uncertainty, Adjusting Finances for Divorce, Birth Tourism, Living Abroad, Etc.

Friday Q&A today! 1:54 Should I sell my cryptocurrency to pay off my IRS debt? 10:30 How should I readjust my investments to plan for future economic uncertainty? 26:09 How should I think through my finances in the midst of possible divorce? 59:46 What do I need to do with my US-based investments while I move to Spain? 1:08:00 My wife and I are having a baby and are interested in birth tourism. How should we analyze the possibilities? Enjoy! Joshua Join me for next week's Q&A! http://patreon.

Jun 21, 2019 • 2:08:42

Asset Protection Planning for Mere Mortals - Part 12 - Intelligent Asset Titling

Asset Protection Planning for Mere Mortals - Part 12 - Intelligent Asset Titling

If you care about asset protection planning, there's hardly any reason for you to own an asset in your own name. So, you'll have to get used to titling asset in slightly different ways. Today, I teach you why and how. Joshua

Jun 21, 2019 • 1:40:13

646-How to Travel the World On The Cheap

646-How to Travel the World On The Cheap

When I ask people about their goals, about 80% of people tell me they want to travel when they retire. And yet, very few people actually follow through and travel! Why? Of course there could be many reasons. But if the cost of traveling is keeping you at home, I want to help you. In today's show, I'll share with you some ideas and strategies to travel the world on the cheap. Enjoy! Joshua Inspirational video of couple who traveled for 2 years and spent about $14,000. Total. https://youtu.be/8A1

Jun 17, 2019 • 52:23

645-The Power of Choosing Not to Retire

645-The Power of Choosing Not to Retire

In today's show, I'm going to teach you how an average guy can build a $165,000,000 estate by choosing not to retire. And I'll tell you a bunch of reasons why that would be great for you to plan for (even though you're simultaneously working towards financial independence in 10 years or less). Enjoy! Joshua

May 29, 2019 • 1:31:58

644-Who Do You Want to Remember You and What Do You Want to Be Remembered For?

644-Who Do You Want to Remember You and What Do You Want to Be Remembered For?

This is one of the most important questions you can think about. And don't be scared to change your answers as you learn and grow. Joshua

May 27, 2019 • 11:09

Should I Fix My Broken Car or Replace It?

Should I Fix My Broken Car or Replace It?

A listener has a car with a blown transmission and is trying to decide whether to repair it or replace it. Here's my advice! Joshua

May 20, 2019 • 14:24

642-Friday Q&A: How to Contribute to an IRA When You're Taking the Foreign Earned Income Exclusion, How Should You Think About FIREing Yourself From A Big-Money Job

642-Friday Q&A: How to Contribute to an IRA When You're Taking the Foreign Earned Income Exclusion, How Should You Think About FIREing Yourself From A Big-Money Job

It's Friday! Today, we discuss: Taking the Foreign Earned Income Exclusion How Should You Think About FIREing Yourself From A Big-Money Job Joshua

May 10, 2019 • 46:24

641-$1,500 a Month On Non-Essentials? Society Discusses

641-$1,500 a Month On Non-Essentials? Society Discusses

Here's the link: https://mobile.twitter.com/USATODAY/status/1125891810595954688 Read the conversation and form your own opinions. Joshua

May 8, 2019 • 26:02

640-The Accidental Millionaire (And What You Can Learn From His Example)

640-The Accidental Millionaire (And What You Can Learn From His Example)

Today, I tell you the story of the Accidental Millionaire and a few lessons for both of us. Enjoy! Joshua

May 6, 2019 • 20:16

639-Friday Q&A: International Healthcare, Avoiding Wealth Taxes, Etc.

639-Friday Q&A: International Healthcare, Avoiding Wealth Taxes, Etc.

It's Friday! Today we discuss: International healthcare options Avoiding wealth taxes Second passports for children And more! Joshua

May 3, 2019 • 46:43

638-Asset Protection Planning for Mere Mortals - Part 11 - Wage Exemption Planning

638-Asset Protection Planning for Mere Mortals - Part 11 - Wage Exemption Planning

Wages provide you with the financial fuel you need to build wealth. So it absolutely stinks when those wages are sucked up by your creditors in wage garnishments. So how can you protect your wages and keep them for yourself? That's what we discuss today! Joshua Listen to Episode 503: "How to Fight Nasty with Your Creditors and Win"

Apr 23, 2019 • 51:59

637-How to Find an Excellent Wife: The Decision

637-How to Find an Excellent Wife: The Decision

One of the most fundamental decisions you can make in life is to marry or not to marry. If you marry, your life, your budget, and your career will look dramatically different than a peer who remains unmarried. Marriage can be one of the biggest blessings to your life, resulting in greater happiness, better health, a higher income, and more wealth. Marriage can also be one of the greatest curses you can experience and it can devastate your emotional state, your physical health, your career, and y

Apr 19, 2019 • 1:08:42

636-The Case for Moving to Puerto Rico

636-The Case for Moving to Puerto Rico

If you're a US citizen who earns $500,000 or more, who is not willing to renounce your US citizenship, and who is involved in business and investing, you should seriously consider moving to Puerto Rico. Joshua

Apr 9, 2019 • 58:19

635-Friday Q&A: Moving From NY to FL to Cut Taxes, Life Insurance at Work, Investment Philosophy, 529 Plans

635-Friday Q&A: Moving From NY to FL to Cut Taxes, Life Insurance at Work, Investment Philosophy, 529 Plans

On Fridays we do Q&A! Today: 1:20 How can I effectively move from New York to Florida in order to end my tax residency? 17:20 What should I do with the life insurance I'm offered at work? 23:00 How do you advise someone to develop an overarching investment philosophy? 48:05 Should I put money into a 529 plan for my not-yet-conceived children? If you'd like to join me next week, go here: www.patreon.com/radicalpersonalfinance Joshua

Apr 5, 2019 • 1:01:59

634-The Case for Moving Outside of the United States

634-The Case for Moving Outside of the United States

Today, I'll teach you how a 25-year-old $100,000-earner could increase their estate by $90,000,000 by simply moving outside of the United States. Enjoy! Joshua

Apr 3, 2019 • 1:06:57

633-The Case for Moving to a No-Income-Tax State

633-The Case for Moving to a No-Income-Tax State

One of the most effective things you can do when trying to figure out how to build wealth is to find ways to save big money. Fast. And since Americans collectively spend more on taxes than housing, food, and clothing—combined—you should start by trying to save money on taxes. Today, I give you my case for why you should consider moving to a No-Income-Tax state. Enjoy! Joshua

Apr 1, 2019 • 41:49

632-Asset Protection Planning for Mere Mortals - Part 10 - Personal Property Exemption Planning

632-Asset Protection Planning for Mere Mortals - Part 10 - Personal Property Exemption Planning

Today, we continue our Asset Protection Planning series with a deep look at the Personal Property Exemptions. I've never heard asset protection planners give much attention to the Personal Property Exemptions. But that's understandable to me. When dealing with the mega-wealthy, it's hard to see how the Personal Property Exemptions make any difference in terms of financial planning. But, for a "mere mortal," I think there's a really good argument that the personal property exemptions can be reall

Mar 25, 2019 • 1:19:03

631-Individual Solutions Can Lead to Success and Happiness; Collective Solutions Lead to Frustration and Misery

631-Individual Solutions Can Lead to Success and Happiness; Collective Solutions Lead to Frustration and Misery

As I recently finished my course on "How to Survive and Thrive During the Coming Economic Crisis," I was struck with how simple and feasible the individual solutions are, while how utterly impossible and difficult the collective solutions are. Choose success and happiness by focusing on the individual solutions you can put in place in your own life. Joshua p.s., If you haven't yet, go check out my newest course!

Mar 21, 2019 • 24:29

Friday Q&A: Whole Life Insurance, Walmart for Do-Gooders-of-The-Year, Asset Allocation in Retirement, Paying off Mortgages & More!

Friday Q&A: Whole Life Insurance, Walmart for Do-Gooders-of-The-Year, Asset Allocation in Retirement, Paying off Mortgages & More!

1:20 Should I change my whole life insurance policy because my income is going down? 18:40 Why do you think Walmart has done more good for poor people than any non-profit organization? 30:00 How should I adjust my asset allocation now that I'm retiring? 42:40 Should I pay off my mortgage on my retirement house? 49:15 Where should I keep my medium-term savings? 52:00 How can I include real estate in my Permanent Portfolio? 58:00 How can I invest in the people in my community? 1:05:00 Can I use a

Mar 8, 2019 • 1:12:19

629-[In-Depth Version] Federal Debt: The Ticking Bomb that No One is Willing to Defuse

629-[In-Depth Version] Federal Debt: The Ticking Bomb that No One is Willing to Defuse

Yesterday, I released to you a discussion on the Federal Debt in the United States. That show should be your introduction to this problem. But in thinking about it, I felt like it was incomplete. I wanted to present some useful materials, in audio format, for listeners who don't have a firm background in the fundamentals of the problem. So I decided to go in-depth to try to lay out the problem very clearly. This show is deep and difficult. It holds quite a bit of my reading to you--but also some

Mar 7, 2019 • 2:10:04

628-Federal Debt: The Ticking Bomb that No One is Willing to Defuse

628-Federal Debt: The Ticking Bomb that No One is Willing to Defuse

We face a massive problem in the United States right now. Put simply: We are borrowing more money than ever before. There's no plan for us to borrow less money in the future. There's [almost] no mathematically sound plan that can be created to have us borrow less money in the future. No major, national politician is loudly, consistently talking about how we can spend/borrow less money. Rather, there are loud, vigorous, and strengthening forces moving in the direction of borrowing even more mone

Mar 6, 2019 • 57:18

627-Asset Protection Planning for Mere Mortals - Part 9 - Health and Education Account Exemption Planning

627-Asset Protection Planning for Mere Mortals - Part 9 - Health and Education Account Exemption Planning

Today, we continue the Asset Protection series with an in-depth look at health and education accounts. Specifically, we cover: Health Savings Accounts / Medical Savings Accounts Flexible Spending Accounts Health Reimbursement Arrangements Qualified Tuition Programs (529 Plans) Coverdell Educational Savings Accounts UTMA / UGMA accounts

Feb 18, 2019 • 32:55

626-Friday Q&A: Capitalism vs. Communism, Umbrella Liability Insurance, Buying a House While in Debt, etc.

626-Friday Q&A: Capitalism vs. Communism, Umbrella Liability Insurance, Buying a House While in Debt, etc.

1:45 - Is it moral to support the current capitalist system of economics? 32:20 - How can I figure out how much umbrella liability insurance to purchase? 39:00 - Does having a higher umbrella liability insurance policy make you the target of a lawsuit? 46:05 - I want to buy a house but I'm in the middle of paying off debt (on Dave Ramsey's Baby Steps plan). Should I pay off the debt first?

Feb 15, 2019 • 1:08:47

625-Friday Q&A: Maximizing Business Value for a Sale, Preparing for a Meeting with an Estate Attorney, and More!

625-Friday Q&A: Maximizing Business Value for a Sale, Preparing for a Meeting with an Estate Attorney, and More!

1:00 - Should I roll my 401(k) over to my new job or into an IRA? 11:30 - How should I prepare for a meeting with an estate planning attorney? 17:55 - How should I decide to indulge myself with a luxury expense? 35:45 - Life insurance advice for a newlywed couple. 48:05 - How can I maximize the value of my business for sale?

Feb 8, 2019 • 58:32

The 5 Possible Future Scenarios (from Fantastic to Catastrophic) and How to Plan for Them

The 5 Possible Future Scenarios (from Fantastic to Catastrophic) and How to Plan for Them

The future will be one of the following: 1. Same as now or better 2. Similar to a recession 3. Similar to a depression 4. Similar to mad max 5. Void of humans due to asteroid hitting earth or similar calamity

Feb 4, 2019 • 11:30

623-Friday Q&A: Life Insurance, Protecting Money in Brokerage Accounts, Optimizing Taxes while Living in Bermuda, etc.

623-Friday Q&A: Life Insurance, Protecting Money in Brokerage Accounts, Optimizing Taxes while Living in Bermuda, etc.

2:00 - Life insurance advice for a recently married husband 6:15 - How can I make a back-door Roth contribution without being subject to the pro rata rule? 11:35 - How can I protect the money in my taxable brokerage accounts? 20:50 - How can I optimize my tax situation as an expat living in Bermuda? 47:20 - I live in China and am returning to the USA. What should I do with my money? 50:25 - How should I balance paying off debt with real estate investment? 1:03:05 - How can I invest for my 15-mon

Feb 1, 2019 • 1:40:07

Asset Protection Planning for Mere Mortals - Part 8 - Annuity Values and Annuity Payments Exemption Planning

Asset Protection Planning for Mere Mortals - Part 8 - Annuity Values and Annuity Payments Exemption Planning

In this episode of the Asset Protection Series, we do a deep-dive into annuities. Entry-level stuff at the beginning and some extra, hard-core bonuses at the end. Joshua

Jan 30, 2019 • 1:31:48

621-Friday Q&A: Investing in Distressed Mortgage Notes, CFA Credential, Roth 401(k) vs. Traditional, Privacy vs. Functionality

621-Friday Q&A: Investing in Distressed Mortgage Notes, CFA Credential, Roth 401(k) vs. Traditional, Privacy vs. Functionality

1:20 - How Can I Invest in Distressed Mortgage Notes Inside my Roth IRA? 8:05 - Should I Pursue a Chartered Financial Analyst Credential for My Own Investment Knowledge? 17:00 - Should I Contribute More Money to a Roth 401(k) than a Traditional 401(k)? 38:15 - How can I Balance Personal Privacy and Functionality in Building My Business? For reference to any time-dated commentary, this show was recorded on 12/21/2018.

Jan 25, 2019 • 56:05

Out & About: Interview for "In The Rabbit Hole" Podcast

Out & About: Interview for "In The Rabbit Hole" Podcast

This is a recording of an interview I gave for "In The Rabbit Hole." ITRH: E272: The Truth About Money and Preparedness Originally published: November 12, 2018 https://www.intherabbithole.com/e272/

Jan 22, 2019 • 1:03:16

620-Friday Q&A: Financial Planning for Newlyweds, 401(k)s Without a Match, 529 vs. Roth IRA for College Education

620-Friday Q&A: Financial Planning for Newlyweds, 401(k)s Without a Match, 529 vs. Roth IRA for College Education

1:25 - I just got married. What financial planning should I do now? 39:35 - My employer offers a 401(k) with no match. Should I participate? 55:35 - How can I save for my child's college education with a 529 plan or with a Roth IRA? For reference to any time-dated commentary, this show was recorded on 12/20/2018.

Jan 20, 2019 • 1:30:14

Empathy and Personal Responsibility When Living Paycheck-to-Paycheck: Interview with the Cheap Bohemian

Empathy and Personal Responsibility When Living Paycheck-to-Paycheck: Interview with the Cheap Bohemian

In Episode 616, I argued the point that if missing one paycheck is a problem for you, you're behaving stupidly. My guest on today's show took umbrage with my commentary on Twitter. So invited her on to discuss! Enjoy, Joshua Here's @CheapBohemian's Twitter thread: https://twitter.com/cheapbohemian/status/1084581032375001089

Jan 17, 2019 • 57:46

618-Reflections on the State of the USA From Two Travelers

618-Reflections on the State of the USA From Two Travelers

Chris Moody and I have both spent the last 6 months traveling the width and breadth of the United States with an eye toward understanding the current moment. In this podcast, we discuss our findings. Life Opted Out www.instagram.com/lifeoptedout

Jan 15, 2019 • 43:21

617-Friday Q&A: Giving Money to Poor People, Contributing My Salary to my Wife's 401(k), Protecting Investment Accounts, Buying Term Life Insurance while FI, etc!

617-Friday Q&A: Giving Money to Poor People, Contributing My Salary to my Wife's 401(k), Protecting Investment Accounts, Buying Term Life Insurance while FI, etc!

1:45 - How can I give nice gift to people who are poorer than I am without creating a power imbalance? 15:20 - Can I contribute my salary into a 401(k) plan for my wife in order to maximize our retirement account contributions? 28:05 - How can I protect my non-qualified investment accounts that are exposed to the claims of creditors? 44:30 - I don't "need" term life insurance because I'm financially independent. Should I still buy some? 51:00 - I'm following Dave Ramsey's baby steps and am almos

Jan 11, 2019 • 1:08:05

616-If Missing One Paycheck is a Problem For You, You're Behaving Stupidly

616-If Missing One Paycheck is a Problem For You, You're Behaving Stupidly

Stop behaving stupidly with your money. NPR story: https://www.npr.org/2019/01/09/683519210/air-travelers-and-workers-may-feel-government-shutdown-effects SNL: Don't buy stuff you can't afford: https://youtu.be/Qb8hTzUoI54

Jan 9, 2019 • 44:11

615-How to Find an Excellent Wife: The Preparation

615-How to Find an Excellent Wife: The Preparation

Today, I share my advice for young men on how they can find an excellent wife. In short, you must become an excellent man. That's the task. Here are some ideas on how. Joshua

Jan 8, 2019 • 58:59

614-End-of-The-Year Encouragement

614-End-of-The-Year Encouragement

Just a few thoughts to encourage you as we shut down for the Christmas break. May you have an opportunity to be encouraged and to encourage another person who is close to you. Your voice matters. Love you, Joshua

Dec 21, 2018 • 36:17

613-A Useful Question to Help You Get Better Advice from Experts

613-A Useful Question to Help You Get Better Advice from Experts

...

Dec 19, 2018 • 12:24

612-Q&A: Pay Off Debt or Invest, 529 Plan Optimization, Financial Planning Fees, Tax Issues, College Planning

612-Q&A: Pay Off Debt or Invest, 529 Plan Optimization, Financial Planning Fees, Tax Issues, College Planning

2:00 - Should we pay off our mortgage or invest? 9:50 - Should I put more money into one of my child's 529 plans in order to help them on their financial aid calculations? 18:30 - Should a retiree in her 60s pay 1.7% as a financial planning fee? 47:20 - How should we unravel the tax situation for a house that I live in but don't own? 1:13:00 - What college financial planning organization should I choose?

Dec 18, 2018 • 1:18:21

611-Q&A on Dollar Cost Averaging, Roth IRAs for children, Bitcoin as an Asset Protection Tool, Getting into the Financial Planning Industry

611-Q&A on Dollar Cost Averaging, Roth IRAs for children, Bitcoin as an Asset Protection Tool, Getting into the Financial Planning Industry

1:30-Should I dollar cost average into my Roth IRA or wait for a market downturn? 6:00-How can I get money to my child so they can make a Roth IRA contribution? 21:30-Can I do good asset protection by transferring all my money into a secret Bitcoin wallet that's kept completely offline? 34:00-Can I become a financial planner without pursuing it full-time?

Dec 17, 2018 • 45:58

610-Friday Q&A: State Competition in Asset Protection Planning, Education, Financial Planning While Pregnant, Is Patreon a Good Funding Option, and More!

610-Friday Q&A: State Competition in Asset Protection Planning, Education, Financial Planning While Pregnant, Is Patreon a Good Funding Option, and More!

2:45 - If you move from one state to another, do you have to start all over with your asset protection plan? 15:30 - How frequently does a state change its laws that relate to asset protection planning? 21:30 - What is the interplay between Federal regulations and State regulations? 23:35 - Is a 403(b) protected the same as a 401(k)? 25:30 - How have Joshua’s views on education changed in the last four years? 36:30 - What specific inspirational resources would Joshua recommend on the topic of ed

Dec 14, 2018 • 1:36:34

609-Asset Protection Planning for Mere Mortals - Part 7 - Life Insurance Exemption Planning

609-Asset Protection Planning for Mere Mortals - Part 7 - Life Insurance Exemption Planning

...

Dec 13, 2018 • 45:42

608-Asset Protection Planning for Mere Mortals - Part 6 - Retirement Account Exemption Planning

608-Asset Protection Planning for Mere Mortals - Part 6 - Retirement Account Exemption Planning

...

Dec 10, 2018 • 44:51

607-The Only 3 Legitimate Reasons to Buy an RV (that I can come up with)

607-The Only 3 Legitimate Reasons to Buy an RV (that I can come up with)

...

Dec 6, 2018 • 39:36

606-Asset Protection Planning for Mere Mortals - Part 5 - Homestead Exemption Planning

606-Asset Protection Planning for Mere Mortals - Part 5 - Homestead Exemption Planning

...

Dec 3, 2018 • 36:07

605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

Nov 28, 2018 • 44:50

604-Asset Protection Planning for Mere Mortals - Part 3 - What Is The Problem We're Protecting Against?

604-Asset Protection Planning for Mere Mortals - Part 3 - What Is The Problem We're Protecting Against?

...

Nov 20, 2018 • 59:10

603-Friday Q&A: Healthcare Sharing Ministries and Their Maximum Limits, Health Savings Accounts, and What To Do With An Inheritance When You're in Debt

603-Friday Q&A: Healthcare Sharing Ministries and Their Maximum Limits, Health Savings Accounts, and What To Do With An Inheritance When You're in Debt

It's Friday! That means live Q&A: Healthcare Sharing Ministries and Their Maximum Limits Health Savings Accounts and HCSMs What To Do With An Inheritance When You're in Debt Enjoy! Joshua

Nov 16, 2018 • 45:49

602-Asset Protection Planning for Mere Mortals - Part 2 - The Morality and Legality of Asset Protection

602-Asset Protection Planning for Mere Mortals - Part 2 - The Morality and Legality of Asset Protection

In this episode of the podcast we tackle these two questions: Is it legal to engage in asset protection planning? Is it moral to engage in asset protection planning? Short answer? Yes and yes. If that's enough for you, just skip listening to this episode. But if you'd like a bit more texture to the discussion, enjoy the podcast for a discussion of the legality and morality of asset protection planning. Joshua

Nov 15, 2018 • 1:03:20

601-Asset Protection Planning for Mere Mortals - Part 1

601-Asset Protection Planning for Mere Mortals - Part 1

I love the topic of asset protection planning. It's super interesting to me. But my observation is, like most topics, people involved in the business talk about what they can sell. The lawyers talk about corporations and trusts because they sell them. The insurance agents talk about life insurance and annuities because they sell them. Since I don't sell that stuff, I think about you and what I think can help you. And in today's show, I want to give you a simple starting place: think about your a

Nov 13, 2018 • 35:45

600-A Complete Answer to Whether You Should Pay off Debt or Invest

600-A Complete Answer to Whether You Should Pay off Debt or Invest

Here's the complete answer that you need to know if you should pay off debt or invest. Sign up for my Credit Card Course: How to Borrow Money Safely and Never Pay Interest Using Credit Cards www.radicalpersonalfinance.com/creditcardcourse

Nov 8, 2018 • 40:56

599-Appreciating Our Rich and Peaceful Lives in the Midst of Political Turmoil

599-Appreciating Our Rich and Peaceful Lives in the Midst of Political Turmoil

As many U.S. Americans engage in vigorous political debate today and follow with their vote, I want to share a story with you that I hope will help you to appreciate the richness of political peace. Not everyone in the world has it as good as you and I have it. But, as we vigorously debate political issues, it's easy to miss the blessing of the underlying framework of peace and prosperity that we enjoy. Enjoy this personal story. Joshua

Nov 6, 2018 • 30:49

Underground History Lesson with John Taylor Gatto (2 of 2)

Underground History Lesson with John Taylor Gatto (2 of 2)

Audio is pulled from: https://youtu.be/uj8f7ycnUtU

Nov 3, 2018 • 3:27:35

Underground History Lesson with John Tayor Gatto (1 of 2)

Underground History Lesson with John Tayor Gatto (1 of 2)

Audio taken from: https://youtu.be/uj8f7ycnUtU

Nov 2, 2018 • 2:19:25

A Short Angry History of Modern Schooling by John Taylor Gatto

A Short Angry History of Modern Schooling by John Taylor Gatto

...

Nov 1, 2018 • 1:03:24

598-"I Quit, I Think" by John Taylor Gatto (1935-2018)

598-"I Quit, I Think" by John Taylor Gatto (1935-2018)

John Taylor Gatto has died. My voice has also died. So rather than leaving you bereft of new shows, I decided to share a few Gatto files to encourage you to invest your education dollars well. https://www.educationrevolution.org/blog/i-quit-i-think/ https://fee.org/articles/john-taylor-gatto-1935-1918-remembering-americas-most-courageous-teacher/ http://www.stopthecrime.net/docs/John%20Taylor%20Gatto.pdf

Nov 1, 2018 • 26:46

597-Debt-Freedom Leads to Career Freedom to Become a Financial Adviser: Interview with Matt Miner from Design Independence

597-Debt-Freedom Leads to Career Freedom to Become a Financial Adviser: Interview with Matt Miner from Design Independence

On this episode we welcome Matt Miner back to the show. Matt previously came on the show to discuss whether going back to graduate school is a good financial move. Since that interview, Matt left his corporate job and became a financial advisor! In this interview we explore two themes: How good financial planning and preparation enables a move to a better career fit. This is an important component of a progressive plan towards financial freedom. How a personal finance aficionado can make a move

Oct 30, 2018 • 1:07:18

596-Building a Life Well Lived: "Observations on Turning 82"

596-Building a Life Well Lived: "Observations on Turning 82"

Original article: https://www.charliedaniels.com/soap-box?b_id=4382&pg=1

Oct 27, 2018 • 28:52

595-Credit Card Q&A: Getting Out of Debt, Paying off Student Loans, Using Cards for Business Inventory

595-Credit Card Q&A: Getting Out of Debt, Paying off Student Loans, Using Cards for Business Inventory

I missed several of my students' questions on the previous credit card Q&A show. So today, I wrap them up. Enjoy! Joshua Buy the course here: www.radicalpersonalfinance.com/creditcardcourse

Oct 22, 2018 • 51:28

594-Friday Q&A: If I Have No Credit Score (Because I Haven't Borrowed in >25 Years) Should I Start Building It

594-Friday Q&A: If I Have No Credit Score (Because I Haven't Borrowed in >25 Years) Should I Start Building It

It's Friday! That means it's Q&A time. Today we cover: If I have no credit (because I haven't borrowed money in >25 years) should I work on building my credit score? What has traveling like for Joshua and what are his plans for Radical Personal Finance. Joshua If you'd like to be on next week's Q&A call, sign up here: www.radicalpersonalfinance.com/patron

Oct 19, 2018 • 43:39

593-Lifestyles of the Frugal and Obscure

593-Lifestyles of the Frugal and Obscure

The Lifestyles of the Rich and Famous might make good TV  but it's the Lifestyles of the Frugal and Obscure that makes for wealthy people who keep their money. Joshua If you're interested in learning how to borrow money safely and never paying interest with credit cards, go buy my new course! www.radicalpersonalfinance.com/creditcardcourse

Oct 18, 2018 • 45:05

592-Widowed With 12 Children and No Life Insurance! One Woman's Story.

592-Widowed With 12 Children and No Life Insurance! One Woman's Story.

What do you think would happen to a mother of 12 who was widowed at a fairly young age and whose husband didn't have any life insurance? Could she survive? If so, how? Today, I want to share with you the story of a friend of mine who went through that precise circumstance. I hope you enjoy it! Joshua

Oct 15, 2018 • 1:13:45

591-Friday Q&A (Credit Card Edition): New Cards, Refinancing Mortgages, and Credit Freezes

591-Friday Q&A (Credit Card Edition): New Cards, Refinancing Mortgages, and Credit Freezes

Today we tackle: How do I get new credit cards when I've already maxed out my limits? Should I refinance my mortgage over onto my credit cards so I can drop Private Mortgage Insurance? How should I handle a credit freeze on my accounts? Remember, go buy the credit card course this weekend. It's at www.radicalpersonalfinance.com/creditcardcourse and you can save $10 with promo code CREDITCARDTEN. Joshua

Oct 12, 2018 • 49:09

590-Who Should Never Have a Credit Card?

590-Who Should Never Have a Credit Card?

There are people who should never, ever, have a credit card. And of course they shouldn't buy my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." But, everyone else should buy it. Go here: www.radicalpersonalfinance.com/creditcardcourse Save $10 with promo code: CREDITCARDTEN Joshua

Oct 11, 2018 • 24:31

589-How to Manage Cash While You Pay Off Your Credit Cards

589-How to Manage Cash While You Pay Off Your Credit Cards

Credit Cards can be really useful. But contrary to popular opinion, they're not the most useful when you're broke. They're more useful when you have a little cash. Enjoy this excerpt from my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." And then go buy it here: www.radicalpersonalfinance.com/creditcardcourse Use "CREDITCARDTEN" to save $10. Until Monday only. Joshua

Oct 10, 2018 • 12:05

588-Credit Card Loans Can Provide a Way to Privately Purchase Goods and Services

588-Credit Card Loans Can Provide a Way to Privately Purchase Goods and Services

One of the most under-appreciated aspects of credit cards is the significant privacy they can afford you. Listen to the show for details. Remember, please sign up for my new credit card course: www.radicalpersonalfinance.com/creditcardcourse Use coupon code "CREDITCARDTEN" to save $10 off the price. (Good until 10/15/18.) Thank you! Joshua

Oct 9, 2018 • 11:15

587-Credit Card Debt Is A Very Safe Form of Debt

587-Credit Card Debt Is A Very Safe Form of Debt

One of the most useful aspects of credit cards is how safe the debt is when compared to other forms of debt. Enjoy this excerpt from my brand new course called "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." The course is now available for you to buy. Go here: www.radicalpersonalfinance.com/creditcardcourse Use the coupon code "CREDITCARDTEN" to save $10 off the price. (Valid until 10/15/18.) Thank you! Joshua

Oct 8, 2018 • 24:22

586-Friday Q&A (Credit Card Edition): Should I Close My Old Credit Cards Before Applying for a Mortgage, How Should I Refinance my Business Credit Card, How Can I Use My Credit Cards Privately, How Do I Pay Off My Credit Card Debt as a Newlywed

586-Friday Q&A (Credit Card Edition): Should I Close My Old Credit Cards Before Applying for a Mortgage, How Should I Refinance my Business Credit Card, How Can I Use My Credit Cards Privately, How Do I Pay Off My Credit Card Debt as a Newlywed

Today, we do a special (and really good) live Q&A exclusively on the topic of credit cards. We cover: Should I Close My Old Credit Cards Before Applying for a Mortgage? How Should I Refinance my Business Credit Card? How Can I Use My Credit Cards Privately? How Do I Pay Off My Credit Card Debt as a Newlywed?

Oct 5, 2018 • 1:23:19

585-Credit Cards Are An Incredible Tool (an introduction)

585-Credit Cards Are An Incredible Tool (an introduction)

...

Oct 4, 2018 • 41:17

584-When Hurricane Katrina Came Through Town

584-When Hurricane Katrina Came Through Town

Hurricane Katrina taught us a huge number of important lessons. In today's show, we listen to the account of a survivor. Forum thread: https://www.zombiehunters.org/forum/viewtopic.php?f=32&t=16627

Sep 25, 2018 • 1:19:08

583-Mega Friday Q&A: (two days early)  Richest Man in Babylon, Children and F.I., Invest All at Once, Preparing for Marriage, What's Next, Etc!

583-Mega Friday Q&A: (two days early) Richest Man in Babylon, Children and F.I., Invest All at Once, Preparing for Marriage, What's Next, Etc!

Today we have a mega, 2-hour Q&A show. We cover a bunch of really interesting questions: How Do We Follow the Guidelines from The Richest Man in Babylon? I've Reached F.I. Now How Can I Help Children Do the Same? Should I Invest My Cash All At Once or Over Time? How Do I Prepare My Finances for Marriage? We're Out of Debt and Have Money In the Bank. What Now? I'm F.I. and Sold My House. What Should I Do With the Cash? How Can I Help Young Men? I'm Now an Empty Nester. Should I Buy a House for S

Sep 19, 2018 • 2:07:46

582-Friday Q&A: Getting Health Insurance after Divorce, Opportunities When Moving Cross-Country, Should I Keep My House in New Orleans as a Rental House, How Can My Father Buy a House for My Benefit,

582-Friday Q&A: Getting Health Insurance after Divorce, Opportunities When Moving Cross-Country, Should I Keep My House in New Orleans as a Rental House, How Can My Father Buy a House for My Benefit,

Friday Q&A: Getting Health Insurance after Divorce Opportunities When Moving Cross-Country Should I Keep My House in New Orleans as a Rental House How Can My Father Buy a House for My Benefit

Sep 14, 2018 • 56:44

581-Understanding Why Money Doesn't Work Sometimes (OR, Understanding Just-In-Time Inventory Management)

581-Understanding Why Money Doesn't Work Sometimes (OR, Understanding Just-In-Time Inventory Management)

Audio was from: https://www.intherabbithole.com/e257/

Sep 7, 2018 • 30:22

580-Useful Tools to Track Your Shopping Cart Totals When You're In The Store

580-Useful Tools to Track Your Shopping Cart Totals When You're In The Store

The app is called "Soulver." https://www.acqualia.com/soulver/

Sep 6, 2018 • 11:45

579-Why and How to Protect Your Garbage from Snoopers and Thieves

579-Why and How to Protect Your Garbage from Snoopers and Thieves

Articles referenced: https://www.wweek.com/portland/article-1616-rubbish.html-2 https://www.aclu.org/blog/privacy-technology/surveillance-technologies/some-towns-are-videotaping-residents-garbage?redirect=blog/free-future/some-towns-are-videotaping-residents-garbage-streams

Sep 4, 2018 • 54:09

578-National Preparedness Month: Common-Sense Discussion on Avoiding Lifestyle Diseases

578-National Preparedness Month: Common-Sense Discussion on Avoiding Lifestyle Diseases

...

Sep 3, 2018 • 59:26

577-An Honest Analysis of the Good and Bad of Working From Home

577-An Honest Analysis of the Good and Bad of Working From Home

Many people automatically assume that working from home is the best possible way to work. But is it really?

Aug 31, 2018 • 46:58

576-Sometimes You Win, Sometimes You Learn: How to Harvest the Important Lessons from Your Past Financial Failures

576-Sometimes You Win, Sometimes You Learn: How to Harvest the Important Lessons from Your Past Financial Failures

...

Aug 28, 2018 • 25:03

575-How & Why I Scanned My Entire Library So I Can Carry It With Me on the Road

575-How & Why I Scanned My Entire Library So I Can Carry It With Me on the Road

In today's show, I share how and why I scanned my entire library in preparation for my current travels. Enjoy! Joshua

Aug 6, 2018 • 34:16

574-Trading Your Way Through a Vacation

574-Trading Your Way Through a Vacation

Enjoy the story of this family's quite radical approach to a family "vacation." Joshua

Aug 3, 2018 • 14:56

573-Can You Afford to Work Nine to Five?

573-Can You Afford to Work Nine to Five?

Not much has changed in 35 years...we still have to do the same calculation. Joshua

Aug 3, 2018 • 14:54

572-Full-Time RV Living: A Mid-Action Review

572-Full-Time RV Living: A Mid-Action Review

We've been living full-time in our 30-foot travel trailer for an entire month now. In today's show, I share with you what's been working, what's good, and what's not. Joshua Sponsor: Warby Parker. Go to http://warbyparker.com/rpf to order your free Home Try-On glasses today.

Aug 2, 2018 • 51:03

571-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 5 of 5)

571-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 5 of 5)

Part 5 of a 5-part series called, "You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid." Today we discuss your lifestyle. Joshua

Jul 31, 2018 • 12:23

570-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 4 of 5)

570-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 4 of 5)

Part 4 of a 5-part series called, "You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid." Today we discuss avoiding catastrophe. Joshua

Jul 30, 2018 • 12:36

569-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 3 of 5)

569-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 3 of 5)

Part 3 of a 5-part series called, "You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid." Today we discuss your investments. Joshua

Jul 27, 2018 • 10:07

568-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 2 of 5)

568-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 2 of 5)

Part 2 of a 5-part series called, "You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid." Today we cover your expenses. Joshua

Jul 26, 2018 • 13:20

567-Accidental Retirees (pt 2 of 2): Small Businesses that Allow Full-Time Travel and Internet Connectivity on the Road

567-Accidental Retirees (pt 2 of 2): Small Businesses that Allow Full-Time Travel and Internet Connectivity on the Road

In Part 1 of this interview (Episode 566), you met Scott & Susan, a couple who accidentally retired in their 30s and has spent the last two decades traveling the world in a sailboat and the US in a motorhome. In today's episode, we discuss Scott's small business, Techie 4 Hire. If you have any interest in developing a location-independent business, pay attention to Scott's story of his own business. Also pay attention to some of the other types of businesses mentioned in this interview. Finally,

Jul 25, 2018 • 43:00

566-Accidental Retirees (pt 1 of 2) - Interview with Scott & Susan, Techie4Hire

566-Accidental Retirees (pt 1 of 2) - Interview with Scott & Susan, Techie4Hire

On today's show, I bring you an interview with Scott and Susan. I think of them as "accidental early retirees." About two decades ago they bought a sailboat, intending to travel for a year. They wound up spending a decade sailing the world together. And then for the last decade, they've traveled all around the USA, living full-time in their RV. In Part 1 of this interview we discuss their story--the plan, the money, and the lifestyle. In Part 2 of this interview we will discuss Scott's small bus

Jul 24, 2018 • 48:51

565-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 1 of 5)

565-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 1 of 5)

Part 1 of a 5-part series called, "You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid." Today we cover your income. Joshua

Jul 23, 2018 • 13:27

564-Friday Q&A: Rental House vs. Personal House, What Type of Retirement Plan for a Small Business, Stocks vs. Real Estate, How to Get Money That's Owed to You

564-Friday Q&A: Rental House vs. Personal House, What Type of Retirement Plan for a Small Business, Stocks vs. Real Estate, How to Get Money That's Owed to You

It's Friday! On today's Q&A show we cover: Rental House vs. Personal House What Type of Retirement Plan for a Small Business Stocks vs. Real Estate How to Get Money That's Owed to You Join me next week for the Q&A! Go here: www.radicalpersonalfinance.com/patron Joshua

Jul 20, 2018 • 55:37

Why Are Successful, High-Earning Professionals Moving Into a Van Down By the River? Interview with Chris and Cristi Moody from Life Opted Out

Why Are Successful, High-Earning Professionals Moving Into a Van Down By the River? Interview with Chris and Cristi Moody from Life Opted Out

There are many, many successful, educated, high-earning people who are making unusual life decisions. My guests on today's show are following that pattern in their own life and they're also investigating many, many others who are pursuing unusual courses of action. Today we speak with Chris and Cristi Moody, successful professionals who moved out of their penthouse Manhattan apartment and into a 72-square-foot cargo van. Enjoy! Joshua http://lifeoptedout.com http://instagram.com/lifeoptedout em

Jul 19, 2018 • 1:01:53

562-Radical Housing Ideas (5 of 5): Change What "Housing" Looks Like For You

562-Radical Housing Ideas (5 of 5): Change What "Housing" Looks Like For You

Part 5 of our 5-part series on radical housing ideas. Joshua

Jul 18, 2018 • 20:14

561-Radical Housing Ideas (4 of 5): Get Your Employer to Pay For Your Housing Costs

561-Radical Housing Ideas (4 of 5): Get Your Employer to Pay For Your Housing Costs

Part 4 of our 5-part series on radical housing ideas. Joshua

Jul 17, 2018 • 8:31

560-Radical Housing Ideas (3 of 5): Pay Attention to House-Hacking...It's Effective and Doable

560-Radical Housing Ideas (3 of 5): Pay Attention to House-Hacking...It's Effective and Doable

Part 3 of our 5-part series on radical housing ideas. Joshua

Jul 16, 2018 • 13:02

 559-Radical Housing Ideas (2 of 5): Tax-Free Wealth By Fixing Up Your Own Home

559-Radical Housing Ideas (2 of 5): Tax-Free Wealth By Fixing Up Your Own Home

Part 2 of our 5-part series on radical housing. Joshua

Jul 13, 2018 • 13:06

559-Radical Housing Ideas (1 of 5): Learn the Skills and Build Your Own House

559-Radical Housing Ideas (1 of 5): Learn the Skills and Build Your Own House

Today, we begin part 1 of a 5-part series on housing ideas. Enjoy! Joshua

Jul 12, 2018 • 17:12

558-Friday Q&A: a Financial Independence Checkup, Investing in Private Businesses, How to Do Productive Work While Traveling

558-Friday Q&A: a Financial Independence Checkup, Investing in Private Businesses, How to Do Productive Work While Traveling

It's Friday! That means live Q&A! Today we cover: A Financial Independence Checkup Investing in Private Businesses How to Do Productive Work While Traveling If you'd like to join us on next week's Q&A, join here: www.radicalpersonalfinance.com/patron Joshua

Jul 6, 2018 • 1:06:51

Celebrate Independence Day by Refusing to Lie: "Live Not By Lies" by Alexander Solzhenitsyn

Celebrate Independence Day by Refusing to Lie: "Live Not By Lies" by Alexander Solzhenitsyn

Today is July 4, Independence Day, in the United States. Let's celebrate by actually behaving independently and rejecting the practice of lying. Enjoy this essay by Alexander Solzhenitsyn, entitled "Live Not By Lies." Joshua Written version: http://www.orthodoxytoday.org/articles/SolhenitsynLies.php

Jul 4, 2018 • 13:39

You Have the Right to be Financially Independent. Act Like It!

You Have the Right to be Financially Independent. Act Like It!

You already have an unalienable right to liberty. Now act like it and stop selling yourself back into slavery. Please! Joshua

Jul 2, 2018 • 33:28

556-Friday Q&A: Careers in Financial Advice, Should I Convert My IRA to a Roth, What Should I Save Money For?

556-Friday Q&A: Careers in Financial Advice, Should I Convert My IRA to a Roth, What Should I Save Money For?

It's Friday! And Q&A is back! (From the road, no less.) Today, we discuss: Careers in Financial Advice Should I Convert My IRA to a Roth What Should I Save Money For? Enjoy! Joshua Join us on next week's call! www.radicalpersonalfinance.com/patron

Jun 29, 2018 • 1:23:45

555-Good, Cheap, and Fast! (A Travel Story)

555-Good, Cheap, and Fast! (A Travel Story)

I'm very happy to be podcasting to you today from the road! We have officially hit the road and are on our trip. The last two weeks have been a tiring blur. Our tow vehicle was stolen 5 days before we were scheduled to leave on our full-time RV trip! In today's show, I share a bit of the story with you as well as my own philosophy on how to negotiate the Good/Cheap/Fast triangle. Enjoy! Joshua

Jun 26, 2018 • 35:42

554-How to Maintain Financial Peace in the Midst of Turmoil

554-How to Maintain Financial Peace in the Midst of Turmoil

My life has been quite unique and frothy in the last week or so. Here are some tools I use to maintain financial peace in the midst of the turmoil. Joshua

Jun 12, 2018 • 39:22

553-Consider the ROI You're Getting On Your Children's Education

553-Consider the ROI You're Getting On Your Children's Education

I encourage you to carefully consider the ROI you're getting on the money and time you and your children are investing into their education. Is it paying off? Are you getting a good deal? Joshua p.s., I recorded this in April. It's an episode that I spiked and chose not to release (this isn't uncommon). But I changed my mind and decided to let you decide if you're interested or not. :)

Jun 7, 2018 • 1:13:03

552-How to Achieve Your Adventure Faster Than You Ever Thought Possible

552-How to Achieve Your Adventure Faster Than You Ever Thought Possible

You probably have an adventure goal locked up inside of you. Most people do. And you probably have put it off because you see no way to accomplish it. Today, let me give you some ideas about how you can accomplish it faster than you ever thought possible. Joshua Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron

Jun 4, 2018 • 38:08

551-Friday Q&A: Am I Financially Independent, Should I Switch Life Insurance Agents, Should I Engage in Tax-Gain Harvesting

551-Friday Q&A: Am I Financially Independent, Should I Switch Life Insurance Agents, Should I Engage in Tax-Gain Harvesting

It's Friday! That means Q&A. Today, we cover: Am I Financially Independent? Should I Switch Life Insurance Agents? Should I Sell Investments and Trigger a Taxable Gain? Joshua To join next week's call, please sign up on Patreon: www.radicalpersonalfinance.com/patron

Jun 1, 2018 • 42:55

550-How Much Does It Cost You To Live Today?

550-How Much Does It Cost You To Live Today?

Calculate your daily cost of living. Then analyze it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

May 31, 2018 • 17:19

549-It's Always Cheaper to Feed the Meter than to Pay the Ticket

549-It's Always Cheaper to Feed the Meter than to Pay the Ticket

In life, you'll always find that it's cheaper to feed the meter than to pay the ticket. Be proactive. Joshua Please support RPF on Patreon. http://radicalpersonalfinance.com/patron

May 29, 2018 • 13:39

548-Christian Economics: An Interview with Dr. Gary North

548-Christian Economics: An Interview with Dr. Gary North

Dr. Gary North has dedicated 10 hours per week for the last 40+ years to the task of investigating what the Bible has to say about economics. In the process, he has written a verse-by-verse commentary of the entirety of the Old Testament and the New Testament (totaling 8,550 pages). He is now in the process of publishing his capstone works titled: Christian Economics. He has published the Student's Edition and Teacher's Edition (free at link below) and is working on the Scholar's Edition and Act

May 18, 2018 • 2:51:11

547-How to Increase Your Income When You've Lost Your Health

547-How to Increase Your Income When You've Lost Your Health

I have a listener who wrote to me and asked me how they can increase their income when it's been decimated by a cancer diagnosis. I do my best to help. Joshua Please sign up for the #IncreaseIncome course today! Price goes up $100 tomorrow. http://www.radicalpersonalfinance.com/increaseincome

May 15, 2018 • 50:11

546-Q&A: How to Increase Profit from a Consulting Business, How to Build an Advice Business, How to Maximize Revenue from a Construction Company, How to Transition Careers

546-Q&A: How to Increase Profit from a Consulting Business, How to Build an Advice Business, How to Maximize Revenue from a Construction Company, How to Transition Careers

Today we do live Q&A on career-related questions. Listen to the show and, if you think I give decent advice, sign up for my new Career & Income course here: http://www.radicalpersonalfinance.com/increaseincome Buy now if you want the best deal! (Price goes up by $100 on Wednesday, May 16!) Topics include: How to Increase Profit from a Consulting Business How to Build an Advice Business How to Maximize Revenue from a Construction Company How to Transition Careers Joshua http://www.radicalperso

May 14, 2018 • 1:10:54

545-How to Protect the Experience of Your Rich Life with Good Digital Fences

545-How to Protect the Experience of Your Rich Life with Good Digital Fences

Today, a few quick announcements and a discussion of how I went from confident and focused to frazzled and weak in about 3 hours...because I logged on to Facebook. Announcements: If you're a Patron and are missing your coupon code to sign up for the #IncreaseIncome course, email me. I'm hosting a live Q&A call for you (as long as you have a question related to your career and income) on Monday, May 14 at 3pm Eastern. Call in number is 561-440-7362. Email me if you have questions about the cours

May 11, 2018 • 52:50

544-How Much Money Do You Need to Earn To Live the Good Life?

544-How Much Money Do You Need to Earn To Live the Good Life?

On today's show, I talk to you about your income goals. Specifically, I lay out some sample budgets given various incomes and discuss with you the specific amount of income I believe you should target. Enjoy! Joshua Please sign up for my course! Price goes up this Tuesday, May 15, so sign up now for the best deal! www.radicalpersonalfinance.com/increaseincome

May 10, 2018 • 40:28

543-How to Save More Money Without Hurting Your Lifestyle

543-How to Save More Money Without Hurting Your Lifestyle

Many people think that saving more money is going to mean they have to live like a pauper. But it doesn't have to be like that. There is another way...a way to save more money and live a fancier lifestyle at the same time! Joshua Please buy my #IncreaseIncome Course! Price goes up on May 15, so buy now for the best deal. (30-day money-back guarantee) www.radicalpersonalfinance.com/increaseincome

May 9, 2018 • 38:12

542-Should You Choose Work You Love or Work That Makes the Most Money?

542-Should You Choose Work You Love or Work That Makes the Most Money?

I'm back! More soon, Joshua

May 7, 2018 • 18:54

541-How to Protect Your Family From Your Death When You Can't Qualify For Life Insurance

541-How to Protect Your Family From Your Death When You Can't Qualify For Life Insurance

I recently worked with a consulting client who had this problem: because of a previous (serious) cancer diagnosis, he is unable to qualify for life insurance. How can he protect his family in case he dies soon? I thought it a really interesting challenge. And since I've thought a lot about this particular problem, I thought I'd go ahead and share my thoughts with you. Enjoy! Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron  Episode 204: High Risk Life Insurance Underw

Apr 19, 2018 • 1:19:28

The Law by Frédéric Bastiat (i.e., my 2018 Tax Day celebration)

The Law by Frédéric Bastiat (i.e., my 2018 Tax Day celebration)

Today on Radical Personal Finance, we celebrate Tax Day in the United States (April 17, 2018). As we all reflect on the actions of the government we US Americans have just supported with our tax money, I thought it would be a good day to read to you a very helpful essay called, The Law. The Law was written in 1850 by Frédéric Bastiat, a French economist. If you haven't previously read this essay, be fo rewarned that the first third is fast-moving and the last third is fast-moving, but the middle

Apr 17, 2018 • 2:06:07

540-Is US Government Bankruptcy a Sure Thing? A Friendly Debate with David Stein, Host of Money for the Rest of Us

540-Is US Government Bankruptcy a Sure Thing? A Friendly Debate with David Stein, Host of Money for the Rest of Us

On Episode 466 of Radical Personal Finance, I discussed the idea of the US Government's certain default on its stated obligations and commitments by referencing Professor Lawrence Kotlikoff's Congressional testimony on this subject. After that show, my friend David Stein (host of Money for the Rest of Us) emailed me to tell me that I was wrong. :) So, I invited him on the show to debate it with me. Enjoy! Joshua Here's the previous show on Kotlikoff's work: https://radicalpersonalfinance.com/t

Apr 12, 2018 • 53:22

539-Friday Q&A: Should I Use an HSA Account to Pay for Medical Expenses, What Tools Will Help Me Find a New Career, Should I Participate in My Company's Non-Qualified Deferred Compensation Program?

539-Friday Q&A: Should I Use an HSA Account to Pay for Medical Expenses, What Tools Will Help Me Find a New Career, Should I Participate in My Company's Non-Qualified Deferred Compensation Program?

It's Friday! Today we discuss: Should I use an HSA account to pay for my medical expenses? What tools can I use to figure out a new career after unexpectedly coming back from foreign missions? Should I participate in my companies Non-Qualified Deferred Compensation program? Enjoy the show! Joshua This is the David Watson book I referenced.

Apr 6, 2018 • 50:27

Money vs. Meaning-"The Drum Major Instinct" by Dr. Martin Luther King, Jr.

Money vs. Meaning-"The Drum Major Instinct" by Dr. Martin Luther King, Jr.

In honor of the 50th anniversary of Dr. Martin Luther King's death on April 4, 1968, I thought you might enjoy hearing some of the audio from his last public sermon. This talk is entitled "The Drum Major Instinct." This sermon was preached in the pulpit of Ebenezer Baptist Church, about two months before King's death. The sermon was an adaptation of the 1952 homily ‘‘Drum-Major Instincts’’ by J. Wallace Hamilton, a well-known, liberal, white Methodist preacher. NOTE: I have clipped off King's in

Apr 4, 2018 • 29:37

538-Making Sense of the New Car/Used Car Dilemma

538-Making Sense of the New Car/Used Car Dilemma

Today, a prelude to a discussion of how to lease a car. In this show we discuss a rational analysis of new car vs. used cars. Enjoy, Joshua Please support RPF on Patreon! www.radicalpersonalfinance.com.patron

Apr 3, 2018 • 39:58

537-Friday Q&A: Transitioning from PC to Mac, Enhancing a Personal Website By Helping Others, Financial Advice for an 18-Year-Old Rockstar, Major Financial Influences on Joshua

537-Friday Q&A: Transitioning from PC to Mac, Enhancing a Personal Website By Helping Others, Financial Advice for an 18-Year-Old Rockstar, Major Financial Influences on Joshua

It's Friday and it's time for a live Q&A show! If you'd like to call in next week, please sign up here: www.radicalpersonalfinance.com/patron Today, we discuss: Transitioning from PC to Mac Enhancing a Personal Website By Helping Others Financial Advice for an 18-Year-Old Rockstar Major Financial Influences on Joshua Enjoy! Joshua p.s., remember...I'd love to talk to you next week! www.radicalpersonalfinance.com/joshua

Mar 30, 2018 • 1:30:30

536-The Way to Wealth by Benjamin Franklin

536-The Way to Wealth by Benjamin Franklin

On today's show we go back 250 years to see what lessons for wealth we can learn from Benjamin Franklin. This show is an audio recording of Franklin's essay, "The Way to Wealth." Enjoy! Joshua Here's a text version of Franklin's essay: https://liberalarts.utexas.edu/coretexts/_files/resources/texts/1758%20Franklin%20Wealth.pdf Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

Mar 26, 2018 • 28:56

535-Responding to Listener Comments on An Error in Real Estate Basis Calculations, Radical Financial Plans vs Traditional Plans, What Happened to SudoPay, and More!

535-Responding to Listener Comments on An Error in Real Estate Basis Calculations, Radical Financial Plans vs Traditional Plans, What Happened to SudoPay, and More!

It's Friday! Today I'm interacting with your comments on recent episodes of the show. We discuss: Correcting an error on real estate basis Radical financial plans vs traditional plans What happened to SudoPay And more! Joshua Book a consulting call with me. (It's on sale!) www.radicalpersonalfinance.com/phonecall

Mar 23, 2018 • 1:03:23

534-Friendly Advice To Help You Buy Your First AR15 Rifle

534-Friendly Advice To Help You Buy Your First AR15 Rifle

This show rounds out some friendly advice to help any interested listener who wants to put together a well-equipped home armory to do so in a thoughtful and financially prudent way. Today, we tackle the AR15 rifle. The AR15 is a wonderful rifle. It's not the best at any one thing, but it is truly good at many things. I'd love for you to have one if you don't already. So I thought you might appreciate some advice on how to get a good deal on one. Enjoy! Joshua p.s., In the show I referenced a sta

Mar 21, 2018 • 58:56

533-Friday Q&A: AirBnB Business Deductions, Deductibility of Losses on a Personal Rental, How to Get Great Podcast Guests

533-Friday Q&A: AirBnB Business Deductions, Deductibility of Losses on a Personal Rental, How to Get Great Podcast Guests

It's Friday! Today we cover: AirBnB Business Deductions Deductibility of Losses on a Personal Rental How to Get Great Podcast Guests If you'd like to join next week's Q&A call, do so here: www.radicalpersonalfinance.com/patron Joshua

Mar 16, 2018 • 39:50

532-Spending Money to Save Money

532-Spending Money to Save Money

Today, some ideas on how to save money by spending a little more than strictly necessary to insulate yourself from unnecessary temptation. Joshua Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

Mar 14, 2018 • 22:38

531-Friday Q&A: How to Establish a Will & Trust While Living Internationally, How to Title Life Insurance Policies for Spousal Protection

531-Friday Q&A: How to Establish a Will & Trust While Living Internationally, How to Title Life Insurance Policies for Spousal Protection

It's Friday! That means Q&A! Today, we cover: How to establish a will and trust when you plan to be living internationally for an extended period of time. How to plan ahead to pay for kids' college when you anticipate that the college may lose its accreditation. How to properly title your life insurance policies in order to protect a vulnerable spouse.

Mar 9, 2018 • 59:15

530-How to Build a Useful Home Armory That Won't Lose Monetary Value and May Save Your Life

530-How to Build a Useful Home Armory That Won't Lose Monetary Value and May Save Your Life

Guns are great investments. Well, perhaps I should say that it's possible for guns to be great investments...and at the worst, they are a decent store of value. If you've never owned a firearm, I'd like to share with you a thoughtful, reasonable path into gun ownership that will help you to make good decisions and get the most bang for your buck. In today's show I lay out for you a sensible approach to gun acquisition that will help you to construct a useful home armory that will allow you to ha

Mar 6, 2018 • 1:29:26

529-Friday Q&A: How to Protect From Disability Without Disability Insurance, How to Cover Unknown Future Risk, How Should I Finance a Land Purchase, Will My Credit Score Be Messed Up By Mortgage Shopping, How to Adjust Content for Different Audiences

529-Friday Q&A: How to Protect From Disability Without Disability Insurance, How to Cover Unknown Future Risk, How Should I Finance a Land Purchase, Will My Credit Score Be Messed Up By Mortgage Shopping, How to Adjust Content for Different Audiences

Friday Q&A today! We cover: How can I protect myself from the risk of disability without getting disability insurance? How can I make sure that future, unknown risks are adequately covered today? What financing option should I use to buy a piece of land? Will my credit score be messed up by shopping for a mortgage? How can I adjust content for different audiences? I'd love to have you call in next week! Details here: www.RadicalPersonalFinance.com/patron Joshua

Mar 2, 2018 • 1:23:03

A Nation of Cowards by Jeffrey Snyder (audio version)

A Nation of Cowards by Jeffrey Snyder (audio version)

This is the audio recording of an essay published in the Fall of 1993 in The Public Interest magazine. The essay is titled: "A Nation of Cowards" by Jeffrey Snyder. You can access a text version of this essay here: http://rkba.org/comment/cowards.html I'm publishing this essay for you as a thought-provoking defense of the morality of your being well-armed. In today's political climate where critics are drawing a moral equivalence between mass murderers and an average armed citizen, I think this

Mar 1, 2018 • 36:52

528-Tools and Tactics for Self-Defense in a Non-Permissive Environment (like a school)

528-Tools and Tactics for Self-Defense in a Non-Permissive Environment (like a school)

The tagline of RPF is "...living a rich life now..." But it's hard to LIVE a rich life if you're dead. So I'd like to help you--and others--have a higher potential of staying alive. I have looked and looked for practical responses to the recent school shooting and have found very few. This is my best effort to help you with some practical solutions to the problem. I did my best in today's show to keep it free of politics and free of guns. (To be fair, I think it's best to say it's politics-lite

Feb 27, 2018 • 1:30:45

527-How to Buy a Used Car

527-How to Buy a Used Car

As a--ahem--more practical follow-up to yesterday, here is my advice for a listener on how to buy a used car. Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

Feb 22, 2018 • 1:02:39

526-You Bought a Pickup Truck? You Idiot!

526-You Bought a Pickup Truck? You Idiot!

Flipping through my feed and I cannot believe what you just did. You idiot! Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

Feb 21, 2018 • 26:39

525-Living on Lentils and Serving the King

525-Living on Lentils and Serving the King

“The philosopher Diogenes was eating bread and lentils for supper. He was seen by the philosopher Aristippus, who lived comfortably by flattering the king. Said Aristippus, ‘If you would learn to be subservient to the king, you would not have to live on lentils.’ Said Diogenes, ‘Learn to live on lentils, and you will not have to be subservient to the king.’ ” – from “The Song of the Bird” by Anthony de Mello Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

Feb 20, 2018 • 4:21

524-Why You Shouldn't Use Your 401(k) Money To Pay off Credit Card Debt When You're Unemployed

524-Why You Shouldn't Use Your 401(k) Money To Pay off Credit Card Debt When You're Unemployed

Today we answer this question: "I have accumulated $6,000 in credit card debt from a period of unemployment; should I use some of the $10,000 I have in my 401(k) to pay it off?" Enjoy, Joshua Please support the show: www.RadicalPersonalFinance.com/patron

Feb 19, 2018 • 32:24

523-Last Week's Fiscal Catastrophe and Your Response

523-Last Week's Fiscal Catastrophe and Your Response

If you want happy-go-lucky, unicorns-and-balloons-in-the-sky Joshua, skip today's show. If you want angry Joshua to opine on his disgust with the US American politicians' lack of fiscal restraint and the long-term catastrophe that is the US American budget, then you'll enjoy today's show. Enjoy. Joshua David Stockman: The Night of Fiscal Infamy http://davidstockmanscontracorner.com/the-night-of-fiscal-infamy/ Mirror, Mirror on the Wall, Obama Definitely Was Not the Biggest Spender of All http

Feb 14, 2018 • 1:19:09

522-Feeling Poor This Valentine's Day? Money Can Buy You More Love...if You Handle It Right

522-Feeling Poor This Valentine's Day? Money Can Buy You More Love...if You Handle It Right

Love isn't primarily a feeling. Love is an action. Love does. You can show love with money in many ways, but a massively powerful way is by giving. Here are some ideas and thoughts to encourage you to build more love in your life by giving more. Joshua

Feb 9, 2018 • 1:23:59

521-How We Chose Our RV for Full-Time Living On The Cheap For a Family of Five

521-How We Chose Our RV for Full-Time Living On The Cheap For a Family of Five

I thought you might be interested in some behind-the-scenes discussion of how we recently bought our rig for an intended full-timing RV trip around the USA this summer. We did some things well and made some big mistakes. I hope you learn from both! Joshua

Feb 8, 2018 • 1:00:57

520-Coming to See you in 2018!

520-Coming to See you in 2018!

Mrs. RPF and I are excited to announce some of our plans for a nation-wide tour during 2018. Details in the show! Joshua

Feb 7, 2018 • 58:44

519-How to Get More Free Stuff!

519-How to Get More Free Stuff!

In today's show I'm going to teach you one simple technique that will help you get more stuff for free. Try it and see! Joshua Please support Radical Personal Finance on Patreon! www.RadicalPersonalFinance.com/patron

Jan 31, 2018 • 19:52

518-Tools, Tips, and Techniques for Cooking on the Road (So You Can Actually Afford to Travel with Children!)

518-Tools, Tips, and Techniques for Cooking on the Road (So You Can Actually Afford to Travel with Children!)

Feeding yourself (and especially children!) on the road can utterly destroy your budget. Here are some tips and tricks I've learned that will be helpful to you. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron https://cheftessbakeresse.blogspot.com/

Jan 25, 2018 • 1:15:32

517-Isaiah's Job

517-Isaiah's Job

This is an essay that has been deeply influential on my life. I hope you find it insightful and thought-provoking. "Isaiah's Job" by Albert Jay Nock was first published in The Atlantic Monthly in 1936. The written text of the document may be found here: http://traffic.libsyn.com/radicalpersonalfinance/Isaiahs_Job_by_Albert_Jay_Nock.pdf Joshua

Jan 24, 2018 • 38:00

516-Don't Let Your Pursuit of Money Ruin Your Life

516-Don't Let Your Pursuit of Money Ruin Your Life

Money is important. But it's not #1. Joshua On the Importance of Putting First Things First by JD Roth Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Jan 23, 2018 • 24:50

515-Battling Social Sneetchery: 3 Strategies to Consider when Confronting Peer-Pressure Spending

515-Battling Social Sneetchery: 3 Strategies to Consider when Confronting Peer-Pressure Spending

Social Peer Pressure is significant. And it affects most of us with regard to our spending. Here are three strategies I think through when considering how to combat it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

Jan 22, 2018 • 51:32

514-Friday Q&A: Should I Front-Load my 401(k) Contributions, Should I Fire My Financial Advisor For Lack of Value?

514-Friday Q&A: Should I Front-Load my 401(k) Contributions, Should I Fire My Financial Advisor For Lack of Value?

It's Friday! That means we do live Q&A. Today: Should I Front-Load my 401(k) Contributions? Should I Fire My Financial Advisor For Lack of Value? Enjoy! Joshua If you'd like to join for a future Q&A show, please sign up here: www.radicalpersonalfinance.com/patron

Jan 19, 2018 • 37:31

513-What Gets Measured Gets Managed: How to Apply an Appropriate Level of Granularity to Your Budget Tracking Systems

513-What Gets Measured Gets Managed: How to Apply an Appropriate Level of Granularity to Your Budget Tracking Systems

Your financial tracking system is there to serve you. Make sure it's serving you effectively. Here's how! Joshua p.s., I use YNAB. Sign up for a free trial here: www.radicalpersonalfinance.com/YNAB Also please support RPF on Patreon: www.radicalpersonalfinance.com/patron

Jan 17, 2018 • 43:33

512-How to Build and Use a Price Book to Save Money in the Short- and Long-Term and to Train Your Frugal Muscles for Massive Lifetime Wealth

512-How to Build and Use a Price Book to Save Money in the Short- and Long-Term and to Train Your Frugal Muscles for Massive Lifetime Wealth

One of the simplest and most effective tools you can employ to help you save money on the things you buy is a price book. In today's show, I share with you what a price book is, how to use it, and some tips and tricks to turbocharge your results. Enjoy, Joshua Please support RPF on Patreon! www.RadicalPersonalFinance.com/patron

Jan 15, 2018 • 1:21:38

511-Friday Q&A: Should I Use my 401(k) Money to Invest in Real Estate with a Self-Directed IRA, What Questions Could a Client Ask their Financial Advisor for a More Productive Relationship, Do I Risk the Wrath of the IRS by Moving From Sole Proprietor to

511-Friday Q&A: Should I Use my 401(k) Money to Invest in Real Estate with a Self-Directed IRA, What Questions Could a Client Ask their Financial Advisor for a More Productive Relationship, Do I Risk the Wrath of the IRS by Moving From Sole Proprietor to

It's Friday! That means Q&A time. Today we cover: Should I Use my 401(k) Money to Invest in Real Estate with a Self-Directed IRA What Questions Could a Client Ask their Financial Advisor for a More Productive Relationship Do I Risk the Wrath of the IRS by Moving From Sole Proprietor to S-Corp When Is the Right Time to Hire a Tax Accountant Instead of Doing it Myself? If you'd like to join for a future Q&A show, sign up here: www.RadicalPersonalFinance.com/patron Joshua

Jan 12, 2018 • 1:09:33

510-Which Expenses in Your Budget Matter the Most?

510-Which Expenses in Your Budget Matter the Most?

Today: Which expenses matter the most? The value of variable expenses instead of fixed expenses. The importance of developing skill and resilience. Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

Jan 11, 2018 • 43:05

509-How Much Does It Cost You to Live Today?

509-How Much Does It Cost You to Live Today?

You need to know. Joshua www.RadicalPersonalFinance.com/YNAB www.RadicalPersonalFinance.com.patron

Jan 10, 2018 • 18:47

508-Three Ways to Save Money

508-Three Ways to Save Money

Today we cover the three basic methods to save money: Buy it cheaper Make it last longer Use it less Any one of these strategies is useful. But the real power comes when you implement all three of them. Listen to the show to understand why! Joshua The examples in today's show come from the peerless frugality book "The Complete Tightwad Gazette: Promoting Thrift as a Viable Alternative Lifestyle" by Amy Dacyczyn. Start tracking your money with YNAB: www.RadicalPersonalFinance.com/YNAB

Jan 8, 2018 • 29:16

507-Friday Q&A: Should I Move From My Apartment and Buy a House in the Suburbs, How do I Set Up a Solo 401(k) So I Can do a Mega Backdoor Roth IRA, Should I Work as a 1099 Contractor or a W2 Employee

507-Friday Q&A: Should I Move From My Apartment and Buy a House in the Suburbs, How do I Set Up a Solo 401(k) So I Can do a Mega Backdoor Roth IRA, Should I Work as a 1099 Contractor or a W2 Employee

It's Friday! And it's time for Q&A. Today we cover: Should I Move From My Apartment and Buy a House in the Suburbs How do I Set Up a Solo 401(k) So I Can do a Mega Backdoor Roth IRA Should I Work as a 1099 Contractor or a W2 Employee If you'd like to join for a future Q&A show, sign up here: www.RadicalPersonalFinance.com/Patron Joshua

Jan 5, 2018 • 56:33

506-Tax Reform, Bitcoin, Financial Tracking, A Good Cleanse...and Merry Christmas! (End-of-Year Wrapup for 2017)

506-Tax Reform, Bitcoin, Financial Tracking, A Good Cleanse...and Merry Christmas! (End-of-Year Wrapup for 2017)

Here's today's end-of-year wrapup for 2017! Joshua's thoughts on tax reform... ...and bitcoin... ...and your financial tracking systems for 2018... ...and a good year-end cleanse... oh, and Merry Christmas! Talk to you next year, Joshua

Dec 22, 2017 • 1:14:49

Out and About: Joshua's Financial Privacy Advice on the Complete Privacy & Security Podcast

Out and About: Joshua's Financial Privacy Advice on the Complete Privacy & Security Podcast

(My interview starts at 7:30 into the show.) I recently gave an interview to the Complete Privacy and Security Podcast on the topic of financial privacy. I think it was a really good interview. This interview was originally published on December 8, 2017 here: https://operational-security.com/cps-podcast-e058-financial-privacy-security/ -- SHOW NOTES INTRO Motherboard Guide to Not Getting Hacked MAIN TOPIC Joshua Sheats of Radical Personal Finance joins us to discuss: – Why being financially sta

Dec 19, 2017 • 1:27:52

505-Approximately 50 Podcasting Lessons Learned from 500 Episodes of Experience

505-Approximately 50 Podcasting Lessons Learned from 500 Episodes of Experience

Today, I'd like to interrupt the personal finance content with a show on podcasting. After recording over 500 episodes of Radical Personal Finance, I feel like I have some valuable lessons to share with other podcasters and with my listeners who are considering starting a podcast. Enjoy, Joshua Visit www.HelloFresh.com and use "RPF30" to save $30 off your meal delivery.

Dec 12, 2017 • 2:03:10

504-Roth IRAs Are Really Awesome Tools (Here's An Example Why)

504-Roth IRAs Are Really Awesome Tools (Here's An Example Why)

If you enjoy learning how common financial instruments can be used to achieve incredible results, you'll enjoy this show. Joshua

Dec 11, 2017 • 36:05

(replay) 121-Last-Minute Tax Planning Ideas To Save You Money

(replay) 121-Last-Minute Tax Planning Ideas To Save You Money

Today I have a replay for you of Episode 121. This episode was originally released December 17, 2014 and the information should be as relevant today as it was then. Notes are here: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/

Dec 8, 2017 • 1:18:43

503-Tools and Principles to Help You Fight Nasty With Your Creditors and Win!

503-Tools and Principles to Help You Fight Nasty With Your Creditors and Win!

I really hate it when I see people bullied. And I especially hate to see debtors bullied by unethical debt collectors. In today's show I share with you some tools, tactics, and techniques and knowledge to help you stand up for yourself in the face of an onslaught of bill collectors. I hope these help you. And, if you don't need this type of help, I hope these ideas help you to help someone else who does. Joshua Try Hello Fresh! www.HelloFresh.com and use coupon code "RPF30" to save $30 on your

Dec 6, 2017 • 1:51:36

Thanksgiving Day Greetings (and the Power of Gratitude in Your Financial Life)

Thanksgiving Day Greetings (and the Power of Gratitude in Your Financial Life)

...

Nov 22, 2017 • 12:39

Out & About: E232: How to Increase Wealth and Survive Your Likely Disaster (Joshua's Appearance on the In The Rabbit Hole Podcast)

Out & About: E232: How to Increase Wealth and Survive Your Likely Disaster (Joshua's Appearance on the In The Rabbit Hole Podcast)

Today's episode is an interview I gave for the "In The Rabbit Hole" urban survival podcast. This episode was first released October 30, 2017 here: https://www.intherabbithole.com/e232/ Joshua

Nov 16, 2017 • 54:31

502-Pathways to Financial Freedom (in 10 years or less): RV Mechanic (and other small-scale, mobile trades)

502-Pathways to Financial Freedom (in 10 years or less): RV Mechanic (and other small-scale, mobile trades)

Today we continue our discussion of how you can achieve financial freedom in 10 years or less with an analysis of a business I thought my way through recently: that of working as a mobile RV repairman/mechanic. I think this business (or skilled trades with similar career profiles) has a huge amount to offer the aspiring financial freedom fighter. Listen to today's show for analysis on the specifics of this opportunity and the parallels you can draw to other careers to help you become financially

Nov 13, 2017 • 42:33

501-Joshua's Thoughts and Advice On How Men Can Protect Themselves, Their Families, and Their Careers from Being Destroyed by Sexual Scandal

501-Joshua's Thoughts and Advice On How Men Can Protect Themselves, Their Families, and Their Careers from Being Destroyed by Sexual Scandal

I've had today's show in my head for the last few weeks as I've watched Hollywood--and the world--rocked day by day with allegation after allegation of sexual abuse by major, major stars. I've watched careers destroyed, movie premiers canceled, and marriages torn asunder. I've thought again and again about the financial destruction being wrought by these allegations against so many men. Not only the loss of careers, the mega-million-dollar settlements, but the financial destruction of forthcomin

Nov 10, 2017 • 1:35:58

Out and About: Joshua's Interview with Phil Taylor on the Masters of Money Podcast

Out and About: Joshua's Interview with Phil Taylor on the Masters of Money Podcast

I'm working on some back-office work this week and hustling to finish delivering the Radical Personal Finance Guide to Career and Income Planning before the Thanksgiving holiday, so today you get an "Out & About" interview! This episode was released as Episode 37 of the Masters of Money Podcast on August 30, 2017. https://ptmoney.com/masters-money/

Nov 8, 2017 • 1:09:00

500-A Community Celebration of 500 Episodes

500-A Community Celebration of 500 Episodes

Today's show is very special. Together, we celebrate 500 episodes together! The show is centered on your voices and your feedback. This is a very meaningful milestone for me. When I began RPF, I committed myself to recording 1,000 episodes, even if no one listened. 4 years later, I'm half finished with that commitment! And I'm so honored that thousands of you do listen. Your feedback in this episode is so encouraging to me. Thank you, Joshua The Politicization of Motherhood - Wall Street Journa

Nov 3, 2017 • 2:35:12

499-How to Live In Your Car and Love It!

499-How to Live In Your Car and Love It!

Lots of people wind up living in their cars out of extreme financial stress. But today, I'm going to share with you a few of my strategies for living in your car for fun. I've never lived in my car for a long period of time, but I have done it for up to two weeks. And, living (or more accurately staying/camping?) in your car can be: fun easy comfortable frugal You should seriously consider it. And I'm here today to tell you why and how to do it well. Joshua

Nov 2, 2017 • 1:00:08

498-How to Eat Super, Super Cheap when You're Flat Broke

498-How to Eat Super, Super Cheap when You're Flat Broke

I recently took a friend of mine (who is super broke) through a grocery store and shared with him some of my strategies to fill your tummy when you're flat broke. This should help you save some cash...or at least help you teach someone else who's hungry how to eat cheap. Joshua Today's show is sponsored by Warby Parker. Get really nice and fashionable eyeglasses shipped right to your door for you to try on and save a ton in the process! www.WarbyParker.com/RPF

Oct 31, 2017 • 1:02:33

497-Prioritize Your Life, Not Your Money

497-Prioritize Your Life, Not Your Money

After reading hundreds of listener emails this week, I've become very clear on the #1 mistake of the Radical Personal Finance audience. Here's my attempt to help. Joshua

Oct 20, 2017 • 15:04

496-The Risk of Paying Off Debt Too Fast

496-The Risk of Paying Off Debt Too Fast

No, that title isn't clickbait. There really is risk created by paying off debt too quickly. Details in the show. Joshua

Oct 19, 2017 • 20:38

495-Would My 14-Year-Old Son's Marijuana Habit Destroy My Finances if I'm Using a Healthcare Sharing Ministry Like Samaritan Ministries to Pay for My Healthcare?

495-Would My 14-Year-Old Son's Marijuana Habit Destroy My Finances if I'm Using a Healthcare Sharing Ministry Like Samaritan Ministries to Pay for My Healthcare?

Today, we handle this interesting question from a listener: "In talking about Samaritan to a pastor-friend he threw out the scenario that your middle school age son is injured in an accident while riding in a friend's car, and the police find marijuana in the car--what happens? When I asked a Samaritan rep about it he said their board would carefully review the situation and if they deemed that your son wasn't responsible for/aware of the pot then his injury would be covered; if he was responsib

Oct 18, 2017 • 43:42

494-Planning for Wildfires

494-Planning for Wildfires

Erin writes in and says: "I love listening to your podcast- I know you've had a few episodes recently in reaction to current events. As a resident of the Bay Area I hope you could do an episode in relation to wild fires (if there isn't a past episode I am overlooking)." Erin et al, here are my suggestions for you! Joshua Sponsor today: Bombfell. Visit www.bombfell.com/RPF Tons of important information on preparing for wildfires: www.firewise.org Firescaping: Creating fire-resistant landscapes,

Oct 17, 2017 • 59:12

493-Should I Sell My Harley and Buy Some More Mutual Funds?

493-Should I Sell My Harley and Buy Some More Mutual Funds?

Fun question today for our Friday episode...comes in from Chris: Joshua, Looking to see if you have any insight on emotional/psychological decisions versus logical decisions when it comes to finance. Back story - I have a paid for 20 year old Harley. I have not ridden it in three years, I spend $200/year on an insurance policy, each spring I do maintenance on it which costs about $30, and living in Minnesota, we only really have 6 months or so of decent riding weather. I have a big garage so sto

Oct 13, 2017 • 12:41

492-Choose Your Hammer Carefully and Stop Beating Up Others for Preferring a Different Hammer

492-Choose Your Hammer Carefully and Stop Beating Up Others for Preferring a Different Hammer

I thought about simply calling today's show, "On Hammers." You pick the title you prefer...but recognize the truth: tools are tools and their usefulness depends not on their inherent attributes but on their appropriate application. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

Oct 12, 2017 • 12:06

491-Q&A: More Money Into Retirement or Buy a House, Can I Use a Donor-Advised Fund for Church Contributions, Should I Move From Commission-Based Job to Salary-Based Job, Should I Keep an India-Based Whole Life Insurance Policy?

491-Q&A: More Money Into Retirement or Buy a House, Can I Use a Donor-Advised Fund for Church Contributions, Should I Move From Commission-Based Job to Salary-Based Job, Should I Keep an India-Based Whole Life Insurance Policy?

Today's show rounds out a special series of live Q&A shows. Today we cover: 1:20 Should I put more money into my retirement plan or buy a house? 18:45 Can I use a donor-advised fund as a smart way to get a bigger tax deduction for my contribution to my local church? 32:30 Should I move from a commission-based job to a salary job which also means a salary cut? 39:10 Should I buy a joint universal life insurance policy to protect my new baby? 1:10:00 Should I keep an India-based whole life insura

Oct 9, 2017 • 1:33:38

490: Q&A: Paying for a Seminary Degree with Early Distributions, Can I Still Become FI if We Move to Paradise First, Sell Our Rental House or Move Back for Tax-Free Gains, Healthcare Sharing Ministries

490: Q&A: Paying for a Seminary Degree with Early Distributions, Can I Still Become FI if We Move to Paradise First, Sell Our Rental House or Move Back for Tax-Free Gains, Healthcare Sharing Ministries

I've been doing a live Q&A series...today we cover these: 1:24 - Can I Pay for My Seminary Degree with Early Distributions from a Retirement Account? 13:30 - Can I Still Become Financially Independent if We Move to Paradise First? 25:45 - Should We Sell our Rental House Two States Away or Plan to Move Back to It In Order to Get the Tax-Free Gains on a Future Sale? 37:45 - Are Healthcare Sharing Ministries Like Samaritan Ministries Any Good? Joshua Ph.D. for under $15,000 https://americanvisi

Oct 5, 2017 • 51:01

489-Lessons From Las Vegas: A Few Practical Ways You Can Prepare For Being Involved in an Active Shooter Scenario

489-Lessons From Las Vegas: A Few Practical Ways You Can Prepare For Being Involved in an Active Shooter Scenario

As we all watch and process the mass shooting in Las Vegas this weekend, I thought it would be appropriate to share a few lessons learned. I always try to process an event like this with an eye towards the lessons I can learn. The tactical situation in Las Vegas was impossible. I don't think you could imagine a worse situation to be in as a concert-goer. An absolute nightmare. But, I do have a few thoughts that I think can help. And since I don't hear anyone sharing anything practical, here are

Oct 3, 2017 • 29:05

488-Q&A: What Should I Do With a Large Bonus, How Can I Counsel a Young Lady Who Is Using Her Earnings to Support Her Poor Mother

488-Q&A: What Should I Do With a Large Bonus, How Can I Counsel a Young Lady Who Is Using Her Earnings to Support Her Poor Mother

I'm hosting a special Q&A series this week which is open to the entire listening audience. Today we tackle: What Should I Do With a Large Bonus? How Can I Counsel a Young Lady Who Is Using Her Earnings to Support Her Poor Mother? If you'd like to call in for tomorrow's show, here are the details you need to know. Joshua

Oct 2, 2017 • 40:50

487-Friday Q&A: Should I Use a Whole Life Insurance Policy as My Retirement Bridge, Should I Concentrate All of My Investment Accounts With One Manager

487-Friday Q&A: Should I Use a Whole Life Insurance Policy as My Retirement Bridge, Should I Concentrate All of My Investment Accounts With One Manager

On Friday's, we do Q&A for our Patrons! Today, we cover: Should I Use a Whole Life Insurance Policy as My Retirement Bridge? Should I Concentrate All of My Investment Accounts With One Manager? Joshua I forgot to mention at the end of the discussion...if you sign up for a free Personal Capital account with this link, I get a small commission. www.radicalpersonalfinance.com/personalcapital IRS instruction on avoiding the early distribution penalty: https://www.irs.gov/retirement-plans/plan-pa

Sep 29, 2017 • 1:11:15

486-Ignore the Republicans...What Do You Think Is the Right Approach To Income Taxation and Why?

486-Ignore the Republicans...What Do You Think Is the Right Approach To Income Taxation and Why?

I feel like I owe it to you to keep you semi-current on the state of tax policy in the USA. But, it's too early to have any serious details about the current Republican proposals. I thought instead we could have a useful philosophical discussion about taxation. My challenge to you today is to answer these questions, for yourself. Do you believe that a civil government has the moral right to tax an individual's income? Why or why not? Do you believe that the US civil government has the const

Sep 28, 2017 • 27:28

484-How Should I Handle a Sizable Gift From My In-Laws?

484-How Should I Handle a Sizable Gift From My In-Laws?

Today's question involves a generous financial gift from an in-law. How should this listener handle it to make sure it's a blessing and not a curse? Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Sep 25, 2017 • 28:58

483-This Too Shall Pass: Keep Pressing Forward

483-This Too Shall Pass: Keep Pressing Forward

I'm just wrapping up a week and I've been off the mic for all of it due to being sick. Wanted to share with you a short motivational monologue to encourage you to keep pressing forward in the challenges you're facing today. This too shall pass. Joshua

Sep 22, 2017 • 18:36

[REPLAY]  How to Protect Your Financial Privacy and Keep Your Accounts Secure: Interview with Justin Carroll from the Complete Privacy and Security Podcast

[REPLAY] How to Protect Your Financial Privacy and Keep Your Accounts Secure: Interview with Justin Carroll from the Complete Privacy and Security Podcast

I've been sick most of the past week and am especially struggling with my throat/voice. When Joshua no speak, RPF no happen. (And of course that's a good reminder of the value of disability planning!) So, in light of the Equifax breach, I'll issue this replay for you. If you skipped this episode when it originally aired as Episode 461, don't skip it now. Enjoy. Joshua

Sep 20, 2017 • 1:50:08

482-The Equifax Data Breach: Background, How It Affects You, and the Minimum Steps You Need to Take to Protect Yourself

482-The Equifax Data Breach: Background, How It Affects You, and the Minimum Steps You Need to Take to Protect Yourself

Today we tackle the Equifax security breach. This is the most damaging release of personal information ever. And you need to take it seriously. You must assume that you have been affected. At this point, I see no reason to even trust the official Equifax website. Here's why. Clark Howard's excellent credit freeze guide: http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/ Another excellent one by the Justin Carroll and Michael Bazzell: https://privacy-training.com/CreditFreez

Sep 15, 2017 • 57:50

481-Where Should I Keep My Emergency Fund?

481-Where Should I Keep My Emergency Fund?

I was inspired to do this show by watching a recent conversation thread in the RPF Facebook Group about where to store your emergency fund. I thought it'd be fun to share with you the things I think about with regard to emergency fund storage. Enjoy the show! Joshua www.radicalpersonalfinance.com/patron

Sep 13, 2017 • 1:36:49

How we Fared in Hurricane Irma (personal)

How we Fared in Hurricane Irma (personal)

Hey Radicals! Thank you to so many of you who have inquired of our health and safety following Hurricane Irma. Here's my personal report for you! Short version: we are well. :) Joshua

Sep 13, 2017 • 22:28

480-Hurricane Irma Musings: The Thin Veneer of Civility and the Thick Adjustability of our Modern Shipping System, Storm Preps, and More

480-Hurricane Irma Musings: The Thin Veneer of Civility and the Thick Adjustability of our Modern Shipping System, Storm Preps, and More

I've been busy today preparing for Hurricane Irma here at the Radical Personal Finance Global Headquarters. At the moment, the National Hurricane Center forecasts the eye of the storm to pass squarely over HQ. So, I thought I'd record a podcast and share a few things with you: Based on watching the Hurricane Irma frenzy, I'm convinced that "societal collapse" scenarios are plausible. I learned this at Costco yesterday. I'm also convinced we live in the greatest time to be alive and that there

Sep 6, 2017 • 48:48

479-Friday Q&A: What Should a New Expatriate Do With Their Investment Money, What To Do With an Old Pension, How Should a Newlywed Approach the Rent or Buy Question

479-Friday Q&A: What Should a New Expatriate Do With Their Investment Money, What To Do With an Old Pension, How Should a Newlywed Approach the Rent or Buy Question

It's Friday! On Fridays we do a live Q&A show. Today we cover: (2:30) What Should a New Expatriate Do With Their Investment Money? (18:30) What To Do With an Old Pension? (26:40) How Should a Newlywed Approach the Rent or Buy Question? If you'd like to join me for a future Q&A show, sign up to be a Patron at www.radicalpersonalfinance.com/patron Joshua

Sep 1, 2017 • 47:56

478-The Utility and Morality of Price Gouging

478-The Utility and Morality of Price Gouging

Whenever there's a natural disaster, we have various articles on price gouging's lamentability, to wit, its harmfulness and illegality. But, is it really bad? I say not. "Price gouging" (or, more accurately stated, the adjustment of market prices to meet changing demand) has tremendous utility for the well-being of all involved and is absolutely upright, moral, and ethical. Of course, this guy says it's wrong, morally and economically. I deal with his "arguments" in the show. Joshua Support RPF

Aug 29, 2017 • 1:36:03

477-Practical Financial Planning for Large-Scale Disasters Like the Houston Floods

477-Practical Financial Planning for Large-Scale Disasters Like the Houston Floods

I've been watching the #HoustonFloods this weekend and considering the lessons I can learn for my own disaster planning. Today, I share some useful ideas for you about how to plan for events like the Houston Floods. Joshua Episode 381 - Simple, Cheap, Practical Tips to Help You Prepare for a Coming Hurricane Episode 347: Disasters Happen – Make a Plan Now to Ensure You Have Plenty of Money Available to You to Solve the Problems Money Can Solve

Aug 28, 2017 • 52:54

476-Pathways to Financial Freedom (in 10 years or less): Expediter Trucking (and other live-on-the-job opportunities)

476-Pathways to Financial Freedom (in 10 years or less): Expediter Trucking (and other live-on-the-job opportunities)

Yesterday I was watching the solar eclipse (up north in the 100% band) and I happened to have breakfast with an expediter. Not sure what that is? Basically, a truck driver who drives a van. (More in the audio show.) As we ate, I tried to lay out a few paths on how he could become financially free based on his current work. And, I promised him a show on the topic. So, you get to listen in as I tell him--and you--how any normal person can use a live-on-the-job opportunity as a trampoline to bounce

Aug 22, 2017 • 40:49

475-Friday Q&A: Should I ReFi My CC Debt with a HELOC, Does Passion for a Job Come After You Have Experience, Should I Dump The Military Survivor Benefit Plan in Favor of a Whole Life Policy?

475-Friday Q&A: Should I ReFi My CC Debt with a HELOC, Does Passion for a Job Come After You Have Experience, Should I Dump The Military Survivor Benefit Plan in Favor of a Whole Life Policy?

Time for Friday Q&A! If you'd like to join for a future show, sign up here: www.radicalpersonalfinance.com/patron Today, we cover: 2:00 Should I refinance my credit card debt by moving it to a HELOC? 34:10 Do you have passion for a job before the fact or do you become passionate about it after you're good at it? 42:30 Should I drop the military's Survivor Benefit Plan for my pension in favor of buying a 10-year whole life insurance policy? Enjoy! And remember! I have 27 seats remaining for the

Aug 11, 2017 • 1:11:12

474-The Interplay of Human & Financial Capital, Wages & Profits, Rents and Business

474-The Interplay of Human & Financial Capital, Wages & Profits, Rents and Business

As I celebrate the opening of the registration page for the beta launch of the new Radical Personal Finance Guide to Career & Income Planning, I intend to share with you a few simple lessons related to career and income. Today, we begin with the philosophical fundamentals: the interplay of human capital and financial capital. We all start with what we have (human capital) and use it to create financial capital, which we ultimately work to have in surplus. Once we have surplus, we get to decide w

Aug 8, 2017 • 36:23

473-What's Wrong With Radical Personal Finance?

473-What's Wrong With Radical Personal Finance?

I've had a tough summer. I have nothing to complain about. I've been richly blessed and, in almost every way outside of Radical Personal Finance, life has been sweet. But, RPF hasn't been so great for me. And, if it hasn't been so great for me, it might not have been so great for you either. I thought you might appreciate hearing the explanation and the story. It's important to me to share the good and the bad--the heights and the lows--with you in order to help you understand that we all share

Aug 3, 2017 • 1:22:37

472-Friday Q&A: Can I Have Both a SIMPLE IRA and a Traditional IRA, What Personal Finance Books Does Joshua Recommend, What Three Investments Would I Buy To Leave Alone for a Decade, What Are the Rules of Thumb for Who Should Buy Long-Term Care Insurance

472-Friday Q&A: Can I Have Both a SIMPLE IRA and a Traditional IRA, What Personal Finance Books Does Joshua Recommend, What Three Investments Would I Buy To Leave Alone for a Decade, What Are the Rules of Thumb for Who Should Buy Long-Term Care Insurance

On Fridays we do a live Q&A which is open to Patrons of the show. Become a Patron at www.RadicalPersonalFinance.com/patron Today we cover: Can I Have Both a SIMPLE IRA and a Traditional IRA What Personal Finance Books Does Joshua Recommend What Three Investments Would I Buy To Leave Alone for a Decade What Are the Rules of Thumb for Who Should Buy Long-Term Care Insurance And more! Joshua

Jul 28, 2017 • 56:42

471-Friday Q&A: What's the Best Type of Retirement Plan for my Wife's Side Business, How Can I Help My Sister-in-Law Who is Asking me for Financial Advice, Should I Pay Off My Debt as Fast as Possible or Save Up and Pay it Off in Large Chunks?

471-Friday Q&A: What's the Best Type of Retirement Plan for my Wife's Side Business, How Can I Help My Sister-in-Law Who is Asking me for Financial Advice, Should I Pay Off My Debt as Fast as Possible or Save Up and Pay it Off in Large Chunks?

On Fridays, I host a Q&A call. Patrons of the show are invited to call in and ask any question they want! Today, we cover: (1:57) What's the best type of retirement plan for my wife's side business? (SEP IRA, SIMPLE IRA, Solo 401(k)?) (16:45) How can I help my sister-in-law who is asking me for financial advice? (30:20) Should I pay off my debt as fast as possible or save up and pay it off in large chunks of money? Joshua Become a Patron of the show and gain access to future Q&A shows here: w

Jul 21, 2017 • 52:26

470-The Danger of a Financial Plan Built on Extremely Low Spending Projections

470-The Danger of a Financial Plan Built on Extremely Low Spending Projections

There's been an interesting switch in the world of personal finance wherein some people are building financial plans based on extremely low spending projections. In essence, some people assume that if they can live on an extremely low budget per year today, they can build a long-term financial plan predicated on maintaining that spending forever. I think this is a dangerous assumption. And, in today's show, I explain why. Joshua Earn up to 8.5% return on your money by financing solar energy pro

Jul 20, 2017 • 35:46

469-Friday Q&A: Is It Legit That You Can Find Missing Money That's Still Unclaimed, Should I Take Free Housing With a Longer Commute, How Do I Deal With Massive Medical Bills, Do I Need a Personal Insurance Agent, and What Three Books Would Joshua Take to

469-Friday Q&A: Is It Legit That You Can Find Missing Money That's Still Unclaimed, Should I Take Free Housing With a Longer Commute, How Do I Deal With Massive Medical Bills, Do I Need a Personal Insurance Agent, and What Three Books Would Joshua Take to

Welcome to another Friday Q&A Show! Today, we cover: Is It Legit That You Can Find Missing Money That's Still Unclaimed Should I Take Free Housing With a Longer Commute How Do I Deal With Massive Medical Bills Do I Need a Personal Insurance Agent What Three Books Would Joshua Take to A Desert Island? If you'd like to join me for a future Q&A show, become a Patron of the show at www.radicalpersonalfinance.com/patron Joshua Save $30 off a new subscription for awesome food at www.HelloFresh.com

Jul 13, 2017 • 1:25:26

468-Friday Q&A: How does an LLC Protect My Liability and Help Me Save on Tax, How Can I Lower My Tax Bill on the Sale of My House

468-Friday Q&A: How does an LLC Protect My Liability and Help Me Save on Tax, How Can I Lower My Tax Bill on the Sale of My House

Friday Q&A is back! Today: How does an LLC Protect My Liability and Help Me Save on Tax? How Can I Lower My Tax Bill on the Sale of My House? If you'd like to participate on a future show, sign up here! www.radicalpersonalfinance.com/patron Joshua

Jul 7, 2017 • 44:47

467-Debt: Should we Measure it Based on Financial Risk or Lifestyle Risk?

467-Debt: Should we Measure it Based on Financial Risk or Lifestyle Risk?

I've long struggled to know how to advise people with regard to debt. On the one hand, the use of debt can dramatically increase the financial returns of an investment. On the other hand, debt can have a dramatic negative impact on the lifestyle of the borrower when everything goes wrong. So, how do we reconcile these two things? I've come to see that they're two entirely different scales. Because they are two totally different scales (think: how do kilograms and degrees Fahrenheit interact with

Jun 30, 2017 • 35:32

466-The USA's Long-Term Fiscal Gap and Why It Matters to You (America’s Fiscal Insolvency and Its Generational Consequences by Professor Laurence Kotlikoff)

466-The USA's Long-Term Fiscal Gap and Why It Matters to You (America’s Fiscal Insolvency and Its Generational Consequences by Professor Laurence Kotlikoff)

I've alluded to my long-term guess that the US Government will default on many of its current promises. But, I've never really supported that argument. I thought I'd kick that support off today by sharing with you a succinct and coherent description of the problem by reading Professor Laurence Kotlikoff's testimony to the Senate Budget Comittee in 2015. Enjoy, Joshua America’s Fiscal Insolvency and Its Generational Consequences: Testimony to the Senate Budget Committee http://www.kotlikoff.net

Jun 21, 2017 • 43:28

465-How to Build Passive Income By Investing in Raw Land: Interview with Mark Podolsky, the Land Geek

465-How to Build Passive Income By Investing in Raw Land: Interview with Mark Podolsky, the Land Geek

I've never invested in raw land. My #1 reason? Since raw land has no utility, there's no way to pull income from it. And at this stage of my life, I value income-producing assets. But, my guest on today's show has a great system for solving that problem. He has parlayed raw land into a very helpful income stream leading to his own financial freedom. Enjoy my interview with Mark! Joshua Mark's website is: https://www.thelandgeek.com/ Please support Radical Personal Finance on Patreon! www.radica

Jun 19, 2017 • 53:44

464-The Seasons of Work: How to Get More Important Work Done Without Destroying Your Lifestyle

464-The Seasons of Work: How to Get More Important Work Done Without Destroying Your Lifestyle

Today's episode is Part 2 of a mini-series on the seasons of life. The world of work is changing rapidly. We find ourselves pressed on all sides to do more work and different work. And yet in personal finance circles, the focus of our conversation is quite frequently how to get out of work. I believe work is a blessing and not a curse. And that to run from work is the wrong answer. And yet how can we adjust our relationship with work so that it feels more meaningful and less ephemeral? Part of t

Jun 14, 2017 • 44:32

463-The Usefulness and Prioritization of Money in the Seasons of Your Life

463-The Usefulness and Prioritization of Money in the Seasons of Your Life

Poverty is hard. Money helps to make life less hard. But, in our modern world, it's hard to figure out how much money is enough. As you go through the seasons of your life the usefulness of money will wax and wane. Money comes with a cost: time, labor, risk, attention. You need to think carefully about the season of your life you're in and consider the unique value of money during this particular season. Joshua Did you find value in this episode of Radical Personal Finance? Please sign up to su

Jun 12, 2017 • 54:52

462-Understanding your Funeral Options (and How to Save Money when Working with a Funeral Director)

462-Understanding your Funeral Options (and How to Save Money when Working with a Funeral Director)

Today I have an interview for you with Ben Higgenbotham, a funeral director who's also well in tune with the Radical Personal Finance philosophy. He's here today to share the inside scoop on how to effectively work with a funeral director so that you can get the funeral experience that your family desires without losing your shirt. Enjoy! Joshua p.s., If you didn't hear it, you might want to first go and listen to Episode 409, "How to Get Yourself Put 6 Feet Under Dirt Cheap!". https://radicalp

Jun 5, 2017 • 1:16:59

461-How to Protect Your Financial Privacy and Keep Your Accounts Secure: Interview with Justin Carroll from the Complete Privacy and Security Podcast

461-How to Protect Your Financial Privacy and Keep Your Accounts Secure: Interview with Justin Carroll from the Complete Privacy and Security Podcast

What do dentists who shoot lions, publicists who make jokes in poor taste on Twitter and Indiana pizza makers have in common? Their lives were suddenly and irrevocably changed for the worst while doing something that they could never have predicted would lead to it.Avoiding catastrophe is an important pillar of the wealth building strategy that I promote through Radical Personal Finance. As personal finance enthusiasts, we are one of the most prudent groups of people on this planet: we build

May 26, 2017 • 1:50:08

460-How to Decide What To Invest In

460-How to Decide What To Invest In

I frequently get this question: "Joshua, what should I invest my money in?" Well, that's a hard question to answer. I'm not you, so how should I know? But, here are the factors I think you should consider in answering that question for yourself: time money knowledge skill temperament timing opportunities tools Joshua p.s., did I miss any important factors? If so, let me know in the comments.

May 24, 2017 • 53:38

459-Don't Trust Your Financial Advisor!

459-Don't Trust Your Financial Advisor!

Many people are far too free with their personal financial information. This can be very dangerous. You cannot expect your financial advisor to keep your personal information private, secret, and secure. You've got to take steps to protect yourself. Joshua

May 22, 2017 • 29:29

458-Mexican Taxis, Drug Cartels, License Plates, Registration Stickers, Goons with Guns...and You!

458-Mexican Taxis, Drug Cartels, License Plates, Registration Stickers, Goons with Guns...and You!

I'm not sure how to explain this one to you via text...perhaps it's just better if you hit play and listen! :) Joshua

May 18, 2017 • 32:13

Quit Social Media by Dr. Cal Newport

Quit Social Media by Dr. Cal Newport

I'm a big fan of Cal Newport's work and I stumbled across this TEDx talk that he gave on the topic of social media. Consider his points and see how they might relate to your personal social media usage. It'd be a shame to look back at the end of the year and recognize an alternative use for the hundreds of hours that most of us use in social media activities. Always think about the opportunity cost... Joshua Original video: https://youtu.be/3E7hkPZ-HTk

May 11, 2017 • 13:51

457-Celebrating the Arrival of a New Baby!

457-Celebrating the Arrival of a New Baby!

Hey Radicals! Today's show is a little audio ramble among friends to tell you that my wife and I are celebrating the birth of a new little baby boy! (I also tell you about my 3-year-old's first successful investment...and his 100% ROR!) Joshua Episode 212: Comments on Preparing for Child Birth with Mrs. RPF

May 9, 2017 • 23:05

10 Rules for Dealing With the Police (Audio)

10 Rules for Dealing With the Police (Audio)

Rounding out our theme this week of how to survive and thrive during police encounters so that you are not arrested and imprisoned, I bring you an important video by the Flex Your Rights organization. This one is best viewed as a video and is available for free here: https://youtu.be/s4nQ_mFJV4I It contains dramatic presentations and acting and is really well done. I recommend that you don't listen to the audio file here; I recommend you make the time to watch the video yourself, then again with

May 4, 2017 • 38:04

 You Have the Right to Remain Innocent, by Law Professors James Duane and Randy E Barnett

You Have the Right to Remain Innocent, by Law Professors James Duane and Randy E Barnett

This is the audio from a presentation at the CATO Institute by Law Professors James Duane and Randy Barnett. (original video: https://youtu.be/gpkc2FZFR5k) It is a follow up of the concepts outlined in James Duane's excellent book "You Have the Right to Remain Innocent." There is very little additional value from watching the video file, so enjoy the audio and you'll get the most important points. Buy James Duane's book "You Have the Right to Remain Innocent" http://amzn.to/2qgDFDF

May 3, 2017 • 1:26:23

Don't Talk to the Police - James Duane, Law Professor at Regent University School of Law

Don't Talk to the Police - James Duane, Law Professor at Regent University School of Law

I urge you to make the time to listen to this presentation about why you should not talk to the police, no matter your guilt or innocence in any matter. This is an audio presentation of this YouTube speech (viewed over 23 million times wherein Regent Law Professor James Duane gives viewers startling reasons why they should always exercise their 5th Amendment rights when questioned by government officials: https://youtu.be/d-7o9xYp7eE (There is very little added value in the video presentation, s

May 2, 2017 • 46:39

456-Protect Your Money by Arrest-Proofing Yourself and Your Children

456-Protect Your Money by Arrest-Proofing Yourself and Your Children

If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye. You need insurance against that eventuality. Today, I'm going to teach you why it's vitally important that you arrest-proof yourself and how to do it. Joshua Arrest Proof Yourself book: http://amzn.to/2ph7Xos Don't Talk to the Police video: https://youtu.be/d-7o9xYp7eE You Have the Right to Remain Innocent video: https://youtu.be/gpkc2FZFR5k BUSTED: The Citizen's Guide to Surviving Police Enc

May 1, 2017 • 2:24:37

455-A Business Approach That Works For This Stay-At-Home Mome: Interview with Dr. Marilyn Brodeur, Founder of the Infant Dental Center

455-A Business Approach That Works For This Stay-At-Home Mome: Interview with Dr. Marilyn Brodeur, Founder of the Infant Dental Center

My guest today is Dr. Marilyn Brodeur, founder of the Infant Dental Center in Corpus Christi, Texas. Marilyn reached out to me after hearing my response to a caller in Episode 417 who was struggling with a decision of whether to pursue her career aspirations or to focus her attention on her children. So, I invited her on the store to share her story about how she has built a successful business that allows her a great deal of flexibility and capitalizes on her skills and ability. Enjoy! Joshua

Apr 25, 2017 • 43:00

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss How to Live a Rich Life Now

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss How to Live a Rich Life Now

I don't have a new, original show for you today. But, I do have this interview that I gave last year on Everything Financial Radio! My segment of the show begins at 22:20. Enjoy! This is the original episode link: http://www.everythingfinancialradio.com/2016/04/joshua-sheats-and-tom-aspray-join-host-dennis-tubbergen/

Apr 18, 2017 • 43:19

454-Friday Q&A: Where Should a 48-Year-Old Focus Financially, Should I Sell a Stock that Makes Up 25% of My Net Worth, Should I Move Across the Country So My Children Can Be Near Their Grandparents, How Strong Is the California Pension System, Should I Co

454-Friday Q&A: Where Should a 48-Year-Old Focus Financially, Should I Sell a Stock that Makes Up 25% of My Net Worth, Should I Move Across the Country So My Children Can Be Near Their Grandparents, How Strong Is the California Pension System, Should I Co

It's Friday! That means Q&A: Where Should a 48-Year-Old Focus Financially for Retirement? Should I Sell a Stock that Makes Up 25% of My Net Worth? Should I Move Across the Country So My Children Can Be Near Their Grandparents? How Strong Is the California Pension System? Should I Contribute More to Retirement So I Can Pay Less on My Student Loans?

Apr 14, 2017 • 56:28

452-The Rule of 72

452-The Rule of 72

Today we tackle the Rule of 72 with a quick explanation of what it is and why it's useful to you.

Apr 13, 2017 • 15:10

451-The Millionaire Next Door Wealth Index: How Do You Stack Up?

451-The Millionaire Next Door Wealth Index: How Do You Stack Up?

The Millionaire Next Door Wealth Index: "Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be."

Apr 12, 2017 • 19:09

450-Network Marketing, Multi-Level Marketing, & Pyramid Schemes: Are They Legitimate Business Opportunities or a Complete Scam?

450-Network Marketing, Multi-Level Marketing, & Pyramid Schemes: Are They Legitimate Business Opportunities or a Complete Scam?

About once a week, I get an email asking me for my opinion on network marketing opportunities. So, today, here is my opinion and advice for you! Joshua Please support Radical Personal Finance on Patreon. www.radicalpersonalfinance.com/patron

Apr 11, 2017 • 48:57

Secrets to Success (ETtheHipHopPreacher)

Secrets to Success (ETtheHipHopPreacher)

Here's a great Monday-morning sermon by ETtheHipHopPreacher to kick off your work week. Thank God it's Monday! Original video: https://youtu.be/5fsm-QbN9r8

Apr 10, 2017 • 9:02

449-Friday Q&A: How Do You Help Young People Engage in Goalsetting, How Much Debt Is Too Much on Rental Properties, How Do You Help Your Brother-In-Law Learn About Money, Last-Minute Health Savings Account Contributions,

449-Friday Q&A: How Do You Help Young People Engage in Goalsetting, How Much Debt Is Too Much on Rental Properties, How Do You Help Your Brother-In-Law Learn About Money, Last-Minute Health Savings Account Contributions,

We do a live Q&A show on Fridays. Today we cover: How Do You Help Young People Engage in Goalsetting? How Much Debt Is Too Much on Rental Properties? How Do You Help Your Brother-In-Law Learn About Money? Last-Minute Health Savings Account Contributions? Enjoy the show! Joshua Please support the show on Patreon! www.radicalpersonalfinance.com/patron Sign up for a free 34-day trial of YNAB: www.radicalpersonalfinance.com/YNAB Try out the Personal Capital dashboard: www.radicalpersonalfinance.c

Apr 7, 2017 • 52:34

448-Mythbusting: Your 401(k) Won't Make You Rich! Here's Why...

448-Mythbusting: Your 401(k) Won't Make You Rich! Here's Why...

I've often made comments like, "Your 401(k) won't make you rich." Or, "People Don't Get Rich Because they Invested in Their 401(k)." A listener recently asked for clarification on that statement. I thought it was so important that I dedicated an entire show to it. In today's show, I give my defense of my statements and argue my case. My thesis is simple: high 401(k) balances are correlated to people who are rich, but they are not a causative factor of wealth. Enjoy! Joshua Please support my sho

Apr 6, 2017 • 45:17

Out & About: My Appearance on "Best Real Estate Advice Ever" with Joe Fairless

Out & About: My Appearance on "Best Real Estate Advice Ever" with Joe Fairless

A little while back I gave this interview for Joe Fairless on his show, "Best Real Estate Advice Ever." We focused on the intersection between personal finance and professional financial advice. Enjoy! Joshua http://joefairless.com/best-financial-advice-achieving-maintaining-financial-freedom/

Apr 5, 2017 • 22:56

Out & About: My Appearance on Sound Retirement Planning Podcast with Jason Parker

Out & About: My Appearance on Sound Retirement Planning Podcast with Jason Parker

Today, please enjoy this recording of my appearance on Episode 107 of the Sound Retirement Planning Podcast with Jason Parker! This show was recorded in Q4 of 2016. http://soundretirementplanning.com/107-radical-retirement-planning-joshua-sheats-radical-personal-finance/

Apr 4, 2017 • 25:06

447-Mythbusting: The Myth of Passive Income

447-Mythbusting: The Myth of Passive Income

I see lots and lots of people talking about the idea of "passive income." Everywhere I look, I hear people talking about passive income and why it's so great! But, I've heard very few people define the concept and explain what a true passive income opportunity is. And the vast majority of opportunities I hear of don't qualify as passive income in my book. So, let's bust this "passive income" myth today! Joshua Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin P

Apr 3, 2017 • 30:17

446-Friday Q&A: Should We Sell the House we Just Moved Out of, Should I Fire My Financial Advisor, A Cool Networking Event for Celebrities that I Admire, How Can Divorced Men Pay Less Child Support, and More!

446-Friday Q&A: Should We Sell the House we Just Moved Out of, Should I Fire My Financial Advisor, A Cool Networking Event for Celebrities that I Admire, How Can Divorced Men Pay Less Child Support, and More!

It's Friday! On today's Live Q&A show we cover: Should I sell the house we just moved out of? How Do I Figure Out If I Should Fire My Financial Advisor or Not? How Can I Organize a Really Cool Networking Event for Celebrities that I Admire? How Can Divorced Men Creatively Avoid Paying Higher Child Support? What Competitive Advantage Does Dimensional Fund Advisors Have Over Vanguard? How Has Joshua Changed His Financial Plan Over the Last Three Years? Enjoy! Joshua Please support Radical Perso

Mar 31, 2017 • 58:22

445-Should we Keep Paying off Our House with Gazelle Intensity or Switch to Saving 15% for Retirement?

445-Should we Keep Paying off Our House with Gazelle Intensity or Switch to Saving 15% for Retirement?

Today, we cover this question: Joshua, My husband and I love your show and would LOVE IT if you could help us answer a question from your point-of-view. Facts: We're completely debt-free except for our house. We make around $130,000 per year. We're currently investing 10% for retirement. We are dead-set on paying off the house in the next 2.5 to 3 years. The DILEMMA: Dave Ramsey suggests saving 15% for retirement for someone in our position. We can do this..but that'll slow down our house paym

Mar 30, 2017 • 29:48

444-Yes, You Can Afford For Your Wife to Stay At Home...Here's How!

444-Yes, You Can Afford For Your Wife to Stay At Home...Here's How!

Today's show comes by inspiration of this listener question: "Joshua, will you please send me a link to the best show on your website for a woman wanting to convince her husband that they can make it financially if she stays home?" Well, I didn't have such a show. But now I do. Here it is! Joshua Don't have good data on your income and expenses? Start tracking it with YNAB! Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB DATA:    Working (Conservative)   Staying at Home   Dif

Mar 29, 2017 • 37:13

443-1 Year, 50 States, 3 Children, $1,000,000, and the Launch of A Brand-New Business: Interview with Anthony Amos from Bathe to Save

443-1 Year, 50 States, 3 Children, $1,000,000, and the Launch of A Brand-New Business: Interview with Anthony Amos from Bathe to Save

I've really got a great show for you today. It's one that brings together so many things that I love talking about! Travel with Family, Entrepreneurship, Marketing, Financial Independence, and more! My guest is Anthony Amos. He's an Australian entrepreneur who started out with a tiny little backyard dog-washing business. He grew it, franchised it across Australia, and then sold it and decided he was rich enough to go into property development. His timing was not so great (right before the real e

Mar 28, 2017 • 39:30

442-How to Do Your Own Taxes The Easy Way (And Should You Hire an Accountant?)

442-How to Do Your Own Taxes The Easy Way (And Should You Hire an Accountant?)

It's tax-time! That means that you face a problem: how should you do your taxes? Should you print off the 1040 form from the internet and fill it in by hand? Should you use tax software? Should you hire an accountant? Here are my thoughts on the matter! Joshua Great records will make doing your taxes an absolute breeze. Why not try YNAB for your budgeting and recordkeeping? Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB Please support RPF on Patreon. Currently 267 people of the

Mar 27, 2017 • 24:39

441-Friday Q&A (Live): How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor; How Can an Early Retiree Calculate If He Has Enough Money

441-Friday Q&A (Live): How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor; How Can an Early Retiree Calculate If He Has Enough Money

It's Friday! That means it's time for a live Q&A show. Today we handle two questions: How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor? How Can an Early Retiree Calculate If He Has Enough Money Enjoy the show! Sign up as a Patron to be invited to future Friday call-in shows. www.radicalpersonalfinance.com/patron Joshua

Mar 24, 2017 • 35:12

440-How to Grow Your Podcast Audience with Effective Marketing

440-How to Grow Your Podcast Audience with Effective Marketing

Today's show is dedicated to marketing. I focus on answering a specific question about podcast marketing, but I do share a number of tips that are applicable on a broader basis. Here's the question: Hi Joshua, I was inspired to start my own podcast six months ago when I listened to your episode 300 entitled "30 podcasting lessons learned from 300 episodes". Your words of encouragement were invaluable for me and really made me believe I could do this. Your suggestion to focus on content and not

Mar 23, 2017 • 28:55

439-Book Review: Unshakeable - Your Financial Freedom Playbook by Tony Robbins

439-Book Review: Unshakeable - Your Financial Freedom Playbook by Tony Robbins

I wasn't quite sure how I should approach today's book review of Tony Robbins new money book, so I asked the Radical Personal Finance Facebook group. I wrote: "I'm about to record my review of Tony Robbins' new book, Unshakeable. Should I do it in my current mood as ticked-off, angry Joshua and rip it to shreds or should I do it in my calm, collected and intellectually neutral voice, carefully presenting the good, the bad, and the ugly? Whadya want?" Well, most people seemed to want option A, so

Mar 22, 2017 • 1:08:47

438-The Audience Demographics of Radical Personal Finance (And What Surprised Me the Most!)

438-The Audience Demographics of Radical Personal Finance (And What Surprised Me the Most!)

I recently completed a brief demographic survey of the Radical Personal Finance audience. I learned a ton about who you are! I thought it would be fun for me to share it with you and share how it impacted me. Enjoy! Joshua     Do you need a website? Reach out to my own personal web team at www.sillygrasshopper.com and see if they can help you! Radical Personal Finance Audience Demographics          Gender     Male    78.9% Female    21.1%      Age     13-17    0.2% 18-20    0.6% 21-24    6.9

Mar 21, 2017 • 27:33

437-Mustachianism 101: The Philosophy of Mr. Money Mustache

437-Mustachianism 101: The Philosophy of Mr. Money Mustache

On episode 425 of the podcast I interviewed Mr. Money Mustache. That episode was not intended to be an introduction to his teaching or his philosophy; rather, it was a human interest discussion with the man himself. Today, I introduce you to the philosophy and teaching: the message. What is mustachianism? What is the plan for financial independence espoused by Mr. Money Mustache? Enjoy! Joshua Start your search for a great financial advisor here: www.radicalpersonalfinance.com/patron Please sup

Mar 20, 2017 • 44:06

Special Request: Please Send me a Voicemail and a Picture

Special Request: Please Send me a Voicemail and a Picture

Hey Radicals! We're quickly coming up on Episode 500 of the show. To celebrate, I'd like to do a special show, exclusively featuring your stories. 1. Will you please record a quick 2- or 3-minute audio message telling us about the changes you've made in your life and how you've made financial progress in your life? I think hearing your story will be so encouraging to all of us. Also, 2. Will you please send me a picture of you and/or your family for me to post on my screensaver? I'd like to cr

Mar 18, 2017 • 5:21

Out & About: My Interview on the Richer Soul Podast with Rocky Lalvani

Out & About: My Interview on the Richer Soul Podast with Rocky Lalvani

I'm traveling today and unable to record. Enjoy my recent interview on the Richer Soul podcast! http://richersoul.com/2017/03/07/ep-0010-richer-soul-joshua-sheats-radical-personal-finance/ Joshua

Mar 15, 2017 • 1:09:25

436-The Most Valuable Lessons I Learned As a Financial Advisor: #1 Don't Wait for the Business to Come To You...You Go Find It!

436-The Most Valuable Lessons I Learned As a Financial Advisor: #1 Don't Wait for the Business to Come To You...You Go Find It!

I learned about business and money during my six years working as a financial advisor than at any other time period in my life. Today I'm kicking off a series sharing some of the lessons that have most deeply impacted me. I'll share both the lessons I learned from business as well as the lessons that I learned from working with hundreds and hundreds of clients. Lesson Number 1 is simple: Don't wait for business to come to you; go find it! Joshua Looking for a financial advisor? Start here: www.

Mar 13, 2017 • 26:23

435-Plan Your Weekend--This Weekend--Like You Plan Your Workweek

435-Plan Your Weekend--This Weekend--Like You Plan Your Workweek

It's Friday. Pay attention. That means the weekend is here. Have you planned and scripted it out for maximum results? Do it. Love you, Talk next week... Joshua

Mar 10, 2017 • 11:28

434-Radical Lifestyle Stories: How this Filipina Immigrant Named Ruby is Pursuing Financial Independence in Less Than 10 Years

434-Radical Lifestyle Stories: How this Filipina Immigrant Named Ruby is Pursuing Financial Independence in Less Than 10 Years

My guest today is a lady named Ruby. We met at Camp Mustache SE 2017 a couple of months back and I got to hear her immigrant story! She and her husband are both recent immigrants to the United States and they are aggressively pursing financial independence. Enjoy her story! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Mar 8, 2017 • 22:13

433-Eighteen Simple, Free (or Very Cheap) Ways to Protect Your Financial Security and Privacy

433-Eighteen Simple, Free (or Very Cheap) Ways to Protect Your Financial Security and Privacy

I've been thinking about computer and data security this weekend and I decided to run with that theme for today's show. I've compiled a simple list of 18 tips for you to enhance your financial security and financial privacy. These range from the simple (#1 is for you to cover your PIN code with your hand) to the contentious (#10 is my advice as to whether you get greater security from using a credit card or a debit card). But, they're all useful and free (or at least nearly free). Enjoy! Joshua

Mar 7, 2017 • 1:00:14

432-Gwen (A Fiery Millenial) Gives Her Take on Financial Independence and Early Retirement for Millenials

432-Gwen (A Fiery Millenial) Gives Her Take on Financial Independence and Early Retirement for Millenials

My guest today is Gwen, writer at www.FieryMillenials.com She is a hardcore saver who is working her tail off to reach financial independence and to teach others through her story. This is an ideal follow-up to yesterday's advice to my 22-year-old listener. Enjoy! Joshua Please Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Mar 3, 2017 • 31:02

431-How a 22-Year-Old College Grad Should Prioritize Their Steps Towards Financial Independence

431-How a 22-Year-Old College Grad Should Prioritize Their Steps Towards Financial Independence

Today I answer this listener question: Hi Joshua, I am a 22 year old recent college graduate. I have since landed a job and have been working for about 4 months now. Prior to graduating college, I was much less educated on money matters and hardly mindful about my personal finances. Upon graduating, I realized that I knew next to nothing about budgeting, saving, investing, and growing wealth. Additionally, many technical terms and aspects of finance confused me. Since I was going to be getting

Feb 28, 2017 • 32:27

430-Should A Retiring Naval Officer Invest in Real Estate or Do Something Else?

430-Should A Retiring Naval Officer Invest in Real Estate or Do Something Else?

Today, I answer this question from a listener: Joshua- Fan of the show and a Naval Officer. I have some questions on overall investing strategy.  I have close to 17 years in the Navy and will likely retire at 20 with a full pension (about $55k/year before taxes), currently have $440k in retirement savings for my wife and I split between Roths and TSP, have over $140k in college savings for my 2 kids (8 and 10 year old, plan on also transferring my GI Bill which will essentially pay for one of th

Feb 27, 2017 • 23:55

429-Should I Use Whole Life Insurance as a College Savings Plan?

429-Should I Use Whole Life Insurance as a College Savings Plan?

Listener Allyn writes in with this question: "What are your thoughts on using whole life insurance as a college savings plan? If you don't like it, why?" My thoughts are in the show! Joshua Thank you for supporting the show on Patreon! www.radicalpersonalfinance.com/patron

Feb 22, 2017 • 33:14

428-How to Get Richer Every Day (Questioning Commonly Accepted Wisdom)

428-How to Get Richer Every Day (Questioning Commonly Accepted Wisdom)

Do you feel richer today than you did yesterday? If not, why not? Joshua Daily by Seth Godin How to Get Richer Every Day by Mark Morgan Ford

Feb 20, 2017 • 28:54

427-Experiments in Financial Independence: Conversation with Jonathan and Brad from ChooseFI.com

427-Experiments in Financial Independence: Conversation with Jonathan and Brad from ChooseFI.com

Different people learn in different ways. For that reason, we need many new approaches to helping people learn about financial independence. I'm glad to bring my new friends Jonathan and Brad on the show to talk about their project ChooseFI.com. Operating under the banner "Experiments in Financial Independence," they're seeking to create a new approach to learning and teaching about financial independence. Enjoy the interview! Joshua www.ChooseFI.Com www.TravelMiles101.com Find a great financi

Feb 14, 2017 • 31:09

426-Friday Q&A: Should I Get Rid of my 3rd Car, What is a Modified Endowment Contract and How Does it Work, What Should We Do With All This Extra Money our Church Just Received

426-Friday Q&A: Should I Get Rid of my 3rd Car, What is a Modified Endowment Contract and How Does it Work, What Should We Do With All This Extra Money our Church Just Received

It's Friday! That means a live Q&A show. Today we tackle: Should I Get Rid of my 3rd Car? What is a Modified Endowment Contract and How Does it Work? What Should We Do With All This Extra Money our Church Just Received? If you'd like to join a show like this and ask your question, sign up to become a Patron! www.radicalpersonalfinance.com/patron Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Connect with us on the Facebook page https://www.facebook.com/RadicalPersonalFin

Feb 10, 2017 • 41:18

425-Interview with Mr. Money Mustache! Memorable Moments, Current Projects, Impact on the PF Community

425-Interview with Mr. Money Mustache! Memorable Moments, Current Projects, Impact on the PF Community

Today, I bring you an interview with the #1 most requested guest! Mr. Money Mustache himself. I connected with him while up in Gainesville for Camp Mustache a couple of weeks ago. This interview isn't about the nuts and bolts of Mustachian philosophy or on how to become financially independent in a few short years; those topics have been well covered elsewhere. This interview is about his current life, current projects, and things he's excited about at the moment. Enjoy! Joshua Try Hello Fresh!

Feb 7, 2017 • 35:39

424-Financial Freedom in Just a Few Years with AirBnB Property Management! Interview with Zeona McIntyre

424-Financial Freedom in Just a Few Years with AirBnB Property Management! Interview with Zeona McIntyre

Every day I mention that little slogan, "financial freedom in 10 years or less" in my intro. It's an aggressive, spicy little slogan. But I probably don't do a good enough job of highlighting what that phrase actually means and how many different ways it can be achieved. Today I have a really fun profile of someone who has successfully achieved financial freedom in less than 10 years by capitalizing on AirBnB. And doing it with properties that she didn't even own! Enjoy hearing Zeona McIntyre's

Feb 2, 2017 • 30:42

423-Financial Planning for Your Refugee Status: How to Plan Ahead So You're Not Caught Unprepared as a Refugee

423-Financial Planning for Your Refugee Status: How to Plan Ahead So You're Not Caught Unprepared as a Refugee

Perhaps you've noticed that the topic of refugees has been in the news. The recent news sparked this question in the Radical Personal Finance Facebook group. If I were unexpectedly detained/deported while I was traveling, with the uncertainty of my job or my possessions (or even my bank accounts) being accessible to me or even available to me if I were to somehow return, what would I do, and how would I manage? How might I create a plan to restart my life from scratch if I had to begin again in

Jan 31, 2017 • 1:15:20

Out & About: My Interview On the Nomad Together Podcast "A Radical Approach to Finance"

Out & About: My Interview On the Nomad Together Podcast "A Radical Approach to Finance"

I'm traveling today (appropriately enough), so I'm not able to serve you with a Q&A show today. Instead, enjoy this recording of my appearance on the Nomad Together Podcast! This show originally appeared on September 8, 2016 right here: https://nomadtogether.com/financial/ Joshua

Jan 27, 2017 • 52:31

422-Former CEO of Lehman Brothers Opines On Careers, Banking, Money, and Retirement: Interview with Andy Sage

422-Former CEO of Lehman Brothers Opines On Careers, Banking, Money, and Retirement: Interview with Andy Sage

I have a special treat for you today. If you had the chance to sit down with the former President and CEO of Lehman Brothers and talk about his career and money, would you take that chance? Well, I did. And today I share it with you! I sat down with my friend Andy Sage here at his home in Palm Beach with the microphones fired up for a discussion about his career in the business world, retirement, banking, and much more. Enjoy! Joshua Find a great financial advisor with Paladin: www.radicalperso

Jan 26, 2017 • 59:03

421-Success --> Failure --> Success, the Hard Way! What You Can Learn About Money and Investing From This Woman Who Lost It All

421-Success --> Failure --> Success, the Hard Way! What You Can Learn About Money and Investing From This Woman Who Lost It All

I love to learn from people who have experienced great success in their lives. But sometimes, you can learn more from failure than success! Today, I've invited a new friend of mine on the show to learn what she learned from her massive failures in the past! She and her husband were on the fast track toward wealth and financial freedom; they owned a ton of real estate and a thriving business. And then they lost it all. Listen to the episode for the gripping account of what that was really li

Jan 25, 2017 • 50:11

420-Radical Lifestyle Stories: How This Young Couple Increased Their Savings Rate From 8% to 80% of Their Income

420-Radical Lifestyle Stories: How This Young Couple Increased Their Savings Rate From 8% to 80% of Their Income

My guests today are Joel and Alexis. I met them while hanging out at Camp Mustache SE in Gainesville and was intrigued by their story! They went from being a fairly typical young couple with a small savings rate to being radical Mustachians, on track to retire in the next few years! Enjoy learning how they worked through the problems and challenges to make this change! Joshua Find a great financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans with SoFi and save on the

Jan 24, 2017 • 25:49

419-Why Car Leasing is Simultaneously Crazy Expensive and Crazy Cheap (and How to Get Out of Your Existing Lease!)

419-Why Car Leasing is Simultaneously Crazy Expensive and Crazy Cheap (and How to Get Out of Your Existing Lease!)

Car leasing is the most expensive way to operate a vehicle. Car leasing is the cheapest way to operate a new vehicle. Both of those statements are true. In today's show I explain why! And I explain how to get out of a lease if you have one. Joshua Time stamps (courtesy of a listener): 0:00 Intro 1:50 Sponsors 4:55 Auto leasing is the cheapest AND most expensive 7:42 “Depreciation” explained 13:38 How does leasing a car work? 16:58 The major problem with leasing, and who leasing is great for 24:2

Jan 24, 2017 • 38:05

418-Saturday Q&A: Your Comments, Suggestions, and Questions

418-Saturday Q&A: Your Comments, Suggestions, and Questions

Quick on-the-road show today to share listeners' suggestions, additional information, feedback, and questions. Joshua Timestamps: (thanks to the hard work of a listener!) 0:00 Intro 6:00 Joe recommends a “relationships” budget category, separate from “giving”. (Episode 408) 12:08 Rio asks how to separate personal and business budgets. (Episode 408) 14:36 Guy asks about budgeting for taxes. Should one start the budget using gross or net income? (Episode 408) 18:13 Artem comments about donating a

Jan 22, 2017 • 47:19

417-Friday Q&A: Should I Follow Dave Ramsey's Baby Steps and Pay off My House Early, I Had an Unexpected Child...Should I Finish Graduate School or Drop Out to Be a Mom?

417-Friday Q&A: Should I Follow Dave Ramsey's Baby Steps and Pay off My House Early, I Had an Unexpected Child...Should I Finish Graduate School or Drop Out to Be a Mom?

On Fridays I host a live Q&A show! This show is open for Patrons to call in and talk with me about anything they want to. If you'd like to participate in this call, become a Patron! www.radicalpersonalfinance.com/patron Today we tackle two questions: Should I Follow Dave Ramsey's Baby Steps and Pay off My House Early? I Had an Unexpected Child...Should I Finish Graduate School or Drop Out to Be a Mom? Enjoy! Joshua Start your year off right with a budget with YNAB: www.radicalpersonalfinance.

Jan 20, 2017 • 1:08:48

416-Radical Lifestyle Stories: How Bill Enjoyed a Career of Travel and Adventure and Still Retired at Age 42

416-Radical Lifestyle Stories: How Bill Enjoyed a Career of Travel and Adventure and Still Retired at Age 42

My guest today is a man named Bill. We met at Camp Mustache SE this past weekend. As soon as I heard a little bit of Bill's story, I knew I needed to get him on the show for you! Bill is a really neat guy. He enjoyed a very fun and adventurous career wherein he primarily worked for himself. And then he retired early. He's a man filled with wisdom. You'll really enjoy this interview. Joshua Support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron Find a new financial ad

Jan 19, 2017 • 1:06:45

415-Invest in Your Personal Safety: It's Cheap to Do and the Payoff Can Be Massive

415-Invest in Your Personal Safety: It's Cheap to Do and the Payoff Can Be Massive

Today I have a simple--but profoundly important--concept for you to consider and embrace: your personal safety. There are small safety decisions that you can make that have a huge potential impact for you, both monetary impact and personal impact. Enjoy! Joshua Radical Personal Finance is supported directly by you! www.radicalpersonalfinance.com/patron Try a free 34-day trial of the awesome YNAB budgeting software: www.radicalpersonalfinance.com/YNAB Please take my quick demographic survey! www

Jan 18, 2017 • 20:52

414-Radical Lifestyle Stories: How This Man Gave Up a Modern Life to Build an Off-Grid House, Farm, and Business Making Handcrafted Pine Coffins! Interview with Don Byrne from Piedmont Pine Coffins

414-Radical Lifestyle Stories: How This Man Gave Up a Modern Life to Build an Off-Grid House, Farm, and Business Making Handcrafted Pine Coffins! Interview with Don Byrne from Piedmont Pine Coffins

I always keep my eyes out for interesting and unusual lifestyle stories. Last week when I was researching cheap coffin plans, I came across the $5 DIY coffin plans at PiedmontPineCoffins.com. Upon further reading I became aware that Don and his family live entirely off-grid and that he creates his coffins entirely by hand! Sounded like a fun story so I invited him on! Enjoy, Joshua Find an awesome financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans (or get a new one

Jan 17, 2017 • 53:42

413-Why Wait Until You're F.I. to Live Like You're F.I.? My Speech at Camp Mustache SE 2017

413-Why Wait Until You're F.I. to Live Like You're F.I.? My Speech at Camp Mustache SE 2017

This past weekend I had the privilege of addressing the very fun crowd of hardcore Mustachians gathered in Gainesville, FL for Camp Mustache SE 2017. (Mustachian = acolyte of the Mr. Money Mustache blog and personal lifestyle and financial philosophy.) I was invited to give a presentation and I chose for my topic, "Why Wait Until You're F.I. to Live Like You're F.I.?" This addresses a theme I often see among the hardcore early retirement crowd. The idea is this: "My life stinks right now but it'

Jan 16, 2017 • 50:29

412-Friday Q&A: How Can I Gain Enough Experience to Use my CFP Designation, Can I Unwind My Parents Reverse Mortgage, How Do I Engage In A Meaningful Goal-Setting Process After a Layoff?

412-Friday Q&A: How Can I Gain Enough Experience to Use my CFP Designation, Can I Unwind My Parents Reverse Mortgage, How Do I Engage In A Meaningful Goal-Setting Process After a Layoff?

On Fridays we do a live Q&A show! If you'd like to join me on the next one, sign up to support the show as a patron! www.radicalpersonalfinance.com/patron Today we cover: How Can I Gain Enough Experience to Use my CFP Designation? Can I Unwind My Parents Reverse Mortgage? How Do I Engage In A Meaningful Goal-Setting Process After a Layoff? Enjoy! Joshua Take my 20-second demographic survey at www.radicalpersonalfinance.com/survey Find a great financial advisor at www.radicalpersonalfinance.co

Jan 13, 2017 • 1:03:08

411-New Year Homework: How to Check, Monitor, and Freeze Your Credit Score for Free

411-New Year Homework: How to Check, Monitor, and Freeze Your Credit Score for Free

The health of your credit score is an important subject. It's important that you keep your credit report squeaky clean and your credit score high. Today, I'm going to give you some simple, free tools to do so. How to check your credit reports for free How (and why) to freeze your credit reports How to monitor your credit scores for free Joshua Please take my 20-second demographic survey! www.radicalpersonalfinance.com/survey Find an awesome financial advisor near you! www.radicalpersonalfinan

Jan 12, 2017 • 23:46

410-Dow 20,000? What Does it Mean and What Should You Do About It?

410-Dow 20,000? What Does it Mean and What Should You Do About It?

The Dow Jones Industrial Average has been steadily flirting with an all-time record of 20,000 points. I certainly expect it to cross that threshold any day. But, so what? Today I tackle these three questions: What does a 20,000 point DJIA mean? What does it mean to you? What should you do about it? Enjoy! Joshua Please take my super-quick demographic survey. You can do it right on your phone! www.radicalpersonalfinance.com/survey Set up your Personal Capital dashboard for FREE! www.radicalper

Jan 11, 2017 • 46:20

409-How to Get Yourself Put 6 Feet Under Dirt Cheap!

409-How to Get Yourself Put 6 Feet Under Dirt Cheap!

Ain't it strange how so many of the universal human experiences cost so much? Childbirth. Marriage. Getting Old. Death. All of them can cost a bunch of money. But does it have to be that way? Are there alternatives? Yes. Guess what: kicking the bucket doesn't necessarily have to break the bank! There are ways to do it cheaper. If you want to. Today I tackle funeral expenses. You might not be able to benefit from the savings, but at least your family can have a little more cash left over to celeb

Jan 10, 2017 • 1:10:53

408-Budget Categories for the New Year that Actually Matter

408-Budget Categories for the New Year that Actually Matter

What's the point of budgeting? Isn't it supposedly supposed to help you get richer? Well, one way to make budgeting matter is if your budget categories actually help you to understand what's happening with your money. Today, I walk you through some of my personal budget categories and explain how they impact my spending decisions. I don't think you'll find these budget categories in any pre-existing software. But I do think they'll be really useful to you! Joshua 246-You Need a Budget and Here’

Jan 9, 2017 • 1:15:19

407-Motorhomes, RVs, Travel Trailers and You: Radical Tips, Ideas, and Good Advice so You Don't Get Taken

407-Motorhomes, RVs, Travel Trailers and You: Radical Tips, Ideas, and Good Advice so You Don't Get Taken

I think RVs are awesome. In fact, my family just got back from a very fun 2-week RV trip last week! But, RVs can also be a major money drain. Much like boats, it's easy to overestimate the pleasure you will get from it and underestimate the hassle. In today's show, I share with you some of my ideas and thoughts on RVs: Where they work and where they don't Things to consider and keep in mind before you buy Advantages and disadvantages of the various types Tips for buying smart Enjoy the show! J

Jan 6, 2017 • 1:27:59

406-My Plans for RPF in 2017

406-My Plans for RPF in 2017

Hey Radicals! Happy new year! I was planning to come into 2017 with a bang, but a stomach bug turned the bang into a fizzle for me. Oh well! You'll be hearing some changes to RPF in coming days. I want you to know about those in advance, so tune in for a quick chat today! Joshua

Jan 4, 2017 • 38:57

405-The Health Insurance Series Part 6: HCSM Wrap-Up, Self-Insurance, Direct Primary Care/Concierge Care, Catastrophic Coverage, Dread Disease/Critical Illness Insurance,  Doctors on Call

405-The Health Insurance Series Part 6: HCSM Wrap-Up, Self-Insurance, Direct Primary Care/Concierge Care, Catastrophic Coverage, Dread Disease/Critical Illness Insurance, Doctors on Call

I missed a couple of important points on the previous show on Health Care Sharing Ministries (HCSMs). Today we wrap those points up with a quick discussion of: catastrophic protection deductibility HSA compliance pre-existing conditions We also discuss: Self-Insurance Direct Primary Care/Concierge Care Catastrophic Coverage Dread Disease/Critical Illness Insurance Doctors on Call Enjoy! Joshua Start your new year off right by mastering your budgeting. www.radicalpersonalfinance.com/YNAB Sup

Dec 16, 2016 • 48:03

404-The Health Insurance Series, Part 5: Health Care Sharing Ministries (this is how we pay for our health care costs in the Sheats family)

404-The Health Insurance Series, Part 5: Health Care Sharing Ministries (this is how we pay for our health care costs in the Sheats family)

Today I tell you why we don't have health insurance in my family and what we do instead! We continue our health insurance series today with a discussion of Christian Health Care Sharing Ministries. Perhaps the Health Care Sharing Ministries shouldn't be in this series because they are not actually health insurance. But, if you're a participant in an approved organization, you qualify for an exemption to the Obamacare tax penalty (for not having health insurance). Personally, I love the concep

Dec 12, 2016 • 1:27:46

403-The Health Insurance Series, Part 4: How to Avoid (and Evade) the Obamacare Tax Penalty

403-The Health Insurance Series, Part 4: How to Avoid (and Evade) the Obamacare Tax Penalty

One of the major burdens that the passage of the Affordable Care Act placed upon us is that we are required by law to maintain health insurance coverage. Or, if we don't, we have to pay a tax penalty. But, as with most taxes, the Obamacare tax penalty is, in some ways, optional. In today's show I teach you all of the ways that I know to escape it! We cover: How to calculate the tax penalty What happens if you don't pay the penalty All of the exemptions that you can qualify for Enjoy! Joshua B

Dec 6, 2016 • 1:14:05

402-How to Raise Money for your Company Without a Bank or VC! (And Perhaps Find Your Next Big Investment Winner): Interview with Nathan Rose, Author of "Equity Crowdfunding: The Complete Guide for Startups and Growing Companies"

402-How to Raise Money for your Company Without a Bank or VC! (And Perhaps Find Your Next Big Investment Winner): Interview with Nathan Rose, Author of "Equity Crowdfunding: The Complete Guide for Startups and Growing Companies"

If you're building a business, you may reach a point in time at which you need more money to expand your operation than you're currently receiving from your revenues. Traditionally, this is where you would either go out and solicit more investors to back you or perhaps go and borrow money from a bank. But, thanks to major changes in the law, there's another option now available to you: equity crowdfunding. Equity Crowdfunding is a way for companies to solicit investments from individuals similar

Dec 5, 2016 • 1:00:47

401-Annual Income Goals are for Dreamers; Hourly Income Goals are for You (If You're Serious About Your Wealth)

401-Annual Income Goals are for Dreamers; Hourly Income Goals are for You (If You're Serious About Your Wealth)

So, you set a goal for your income next year. Great! Good job! That's a nice place to start. But it does nothing for you if you don't translate it into an hourly income goal. Listen to the show to find out why and how. Joshua Join the RPF Facebook group! (It's free now!) https://www.facebook.com/groups/RadicalPersonalFinance/ If you'd like to calculate your hourly wage, try this quick little calculator I made: https://docs.google.com/spreadsheets/d/1de4hvloZAoAXJCOsE9DZuRAAeNdO2skAIIxhR6lxGYU/

Dec 2, 2016 • 25:06

400-The First Two Weeks of December Are Crucial For Your 2017 Success

400-The First Two Weeks of December Are Crucial For Your 2017 Success

I learned the hard way not to wait until the end of December to think about how my past year went and how I wanted my next year to go. Don't wait. The first two weeks of December are your golden time for your year-end review process. Details in the show! Joshua Last-minute tax planning ideas for you: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/ Take Michael Hyatt's awesome Life Score Assessment to help give you clarity on your success in 10 areas

Dec 1, 2016 • 20:05

399-Thanksgiving Greetings and Encouragement

399-Thanksgiving Greetings and Encouragement

Happy Thanksgiving Day, Radicals! Joshua

Nov 23, 2016 • 24:06

398-How to Invest In Your Local Community for Financial Profit and Community Gain: Interview With Businessman and Investor Tim Yarbrough

398-How to Invest In Your Local Community for Financial Profit and Community Gain: Interview With Businessman and Investor Tim Yarbrough

One of the thorny research projects which I'm personally undertaking is to study the most effective ways to invest my money and my life into my local community without passing through the financial services intermediaries. Friends, it ain't easy. Our entire world is wired to go through the mainstream banking/investment/etc. industry. And it's not easy to break free. But, I'm convinced that it is possible. So, I'm working on it. And today, I've invited a new friend of mine on the show to explain

Nov 17, 2016 • 1:14:09

397-The Health Insurance Series, Part 3: The Premium Tax Credit (PTC): What It Is, How It Works, and How to Maximize Your Cash From It

397-The Health Insurance Series, Part 3: The Premium Tax Credit (PTC): What It Is, How It Works, and How to Maximize Your Cash From It

Today we continue our health insurance series with a discussion of the Premium Tax Credit. The Premium Tax Credit is available for those whose income is between 100% and 400% of the Federal Poverty Level who purchase their health insurance through a government-run marketplace. The dollar amounts involved can be substantial if you're in that range. Pay attention, Joshua IRS Publication 974: Premium Tax Credit Michael Kitces article on the Premium Tax Credit Support RPF on Patreon: www.RadicalPe

Nov 16, 2016 • 34:52

396-Job --> High-Paying Job --> Savings --> Real Estate Investment --> Business --> Financial Freedom: Interview with Joe Fairless, Host of the Best Real Estate Investing Advice Ever Podcast

396-Job --> High-Paying Job --> Savings --> Real Estate Investment --> Business --> Financial Freedom: Interview with Joe Fairless, Host of the Best Real Estate Investing Advice Ever Podcast

Today I've invited real estate investor Joe Fairless on the show. And yes, we chat about real estate. But, I don't have him on to speak about real estate exclusively. Rather, I want you to pay careful attention to how he got into real estate in the first step. Pay attention to the arc of his overall career. And then model him. Joshua Joe's website: www.joefairless.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/pho

Nov 14, 2016 • 48:25

395-The Health Insurance Series, Part 2: Why I'm Opposed to Obamacare (And Will Probably Be Opposed to Trumpcare When It Comes Along)

395-The Health Insurance Series, Part 2: Why I'm Opposed to Obamacare (And Will Probably Be Opposed to Trumpcare When It Comes Along)

Today, I share my thoughts on the Trump/Clinton election and connect it with a discussion of why I'm philosophically and morally opposed to Obamacare. (Hint: it's not because I hate sick people.) Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me! www.radicalpersonalfinance.com/phonecall

Nov 9, 2016 • 1:01:29

394-On Voting, Elections, & Presidential Politics: 10 Things You Can Do That Will Actually Make a Difference in Your Life and Community (aka, Joshua's Antidote to Your Election Fever)

394-On Voting, Elections, & Presidential Politics: 10 Things You Can Do That Will Actually Make a Difference in Your Life and Community (aka, Joshua's Antidote to Your Election Fever)

In case you haven't heard, this Presidential election is the most important one in your lifetime. And, it will retain that title until November 9 when the 2020 election will take over as reigning champ. Not only is this the most important election of your lifetime, but if the wrong person is elected, we literally face the end of the world as we know it! So, what are you to do? Well, today's show contains my thoughts and advice around presidential politics as well as 10 things you can do that wil

Nov 7, 2016 • 1:05:14

393-The Health Insurance Series, Part 1: Your Health Is More Important Than Your Health Care or Health Insurance

393-The Health Insurance Series, Part 1: Your Health Is More Important Than Your Health Care or Health Insurance

Today we embark on our journey through the wild and woolly world of health insurance. This topic is utterly frustrating to navigate and incredibly divisive in philosophy. Obviously, it's a perfect topic for Radical Personal Finance! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

Nov 3, 2016 • 35:38

392-How to Fight Local Gov to Lower Your Local Tax Bill (aka, An Antidote to Your Current Political Depression): Interview with Paul Dorr from RollBackLocalGov.com

392-How to Fight Local Gov to Lower Your Local Tax Bill (aka, An Antidote to Your Current Political Depression): Interview with Paul Dorr from RollBackLocalGov.com

If you look at all of your expenditures and methodically add up all of the money you've spent in the last year on taxes (of all types), you will likely find that taxes are one of your largest spending categories. So, in our constant quest to lower expenses, what can we do about that problem? Well, you can engage in good, proactive tax planning and tax avoidance. And, we've talked about that extensively here at #RadicalPersonalFinance. But, have you ever thought about getting involved at the root

Oct 28, 2016 • 1:00:13

391-A Few Useful Tax-Planning Techniques: Interview with Craig Cody, CPA, Co-Author of "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss"

391-A Few Useful Tax-Planning Techniques: Interview with Craig Cody, CPA, Co-Author of "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss"

My guest today is Craig Cody, CPA, co-author of the book "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss." We discuss: Paying your paying your kids in your business Renting your house out to your business Cost-segregation studies And more! Enjoy! Joshua Craig is offering a free copy of "Secrets of a Tax Free Life" to all listeners here: www.craigcodyandcompany.com/rpf Craig's company phone number is 516-869-4051 Support RPF on Patreon: www.radicalpersona

Oct 27, 2016 • 36:14

390-How (and Why) to Engineer Your Layoff! Interview with Sam, the Financial Samurai

390-How (and Why) to Engineer Your Layoff! Interview with Sam, the Financial Samurai

Have you ever thought about engineering your layoff from your job as a means to advancement to your next opportunity? After all, if you get laid off instead of quitting, there are a whole host of benefits to you. (severance, health insurance, etc.) But, how do you do it? And, is there a way to do it ethically? My guest today has written the book on the subject. His name is Sam and he is the writer behind the popular personal finance blog www.FinancialSamurai.com and his book is entitled "How to

Oct 26, 2016 • 1:18:57

389-Banish These Two Common Phrases from Your Vocabulary to Take Back Control of Your Life and Your Wealth

389-Banish These Two Common Phrases from Your Vocabulary to Take Back Control of Your Life and Your Wealth

There are two phrases that we commonly use that are very destructive to your personal empowerment. I recommend that you identify them and remove them from your vocabulary. Try it! You'll thank me later. Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a phone call with me: www.radicalpersonalfinance.com/phonecall

Oct 25, 2016 • 16:35

388-Drunkenness Will Destroy Your Wealth. Don't Participate!

388-Drunkenness Will Destroy Your Wealth. Don't Participate!

The title says it all. Joshua p.s., Sorry about the double show on the last episode. I am presently without a working computer, but I'll fix it ASAP.

Oct 21, 2016 • 39:38

387-You Should Consider Buying a Chevy Volt as your Next Car. Here's Why!

387-You Should Consider Buying a Chevy Volt as your Next Car. Here's Why!

From time to time we get buying opportunities that emerge from a wrinkle in the marketplace. I think I see an opportunity right now for those of you who are in the market for a new car with the 2017 Chevy Volt. Details in the show! Joshua

Oct 18, 2016 • 22:06

386-Don't Get Ripped Off: You Should Not Upgrade Your Car in Order to Get Better Gas Mileage!

386-Don't Get Ripped Off: You Should Not Upgrade Your Car in Order to Get Better Gas Mileage!

I shudder and cringe when I hear someone who's thinking about upgrading their car because the new one gets better gas mileage. I don't often yell, but please indulge me for a moment. YOU SHOULD NOT UPGRADE YOUR CAR IN ORDER TO GET BETTER GAS MILEAGE! And, I'll prove it to you. Listen to this show. And then, download the free calculator I built years ago and plug in your own numbers to see whether you should upgrade or not. I think you'll be glad you did. Joshua Here's the link to my calculator.

Oct 17, 2016 • 1:02:44

Audio of Steven Harris's Family Emergency Preparedness Class

Audio of Steven Harris's Family Emergency Preparedness Class

This is an audio file containing Steven Harris's free Family Emergency Preparedness Class. This class contains very useful and practical information regarding emergency preparedness. Some of the material is becoming dated. For all of Steven's current work, visit his website www.Steven1234.com and follow the appropriate links. Joshua

Oct 14, 2016 • 2:51:05

Audio of Wendy DeWitt's "Sensible Food Storage" Seminar

Audio of Wendy DeWitt's "Sensible Food Storage" Seminar

This is an audio-only version of Wendy DeWitt's "Sensible Food Storage" seminar. This is the most practical, complete seminar on home food storage I've ever been able to find. You can view the original video version of this file here: https://youtu.be/GY5kiCzaeYc You can also download the PDF handouts of this seminar here with these links.  This handout contains the instructions for how to do Wendy's system: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Under_the_Sun_by_Wendy_DeWit

Oct 14, 2016 • 58:53

385-A Sensible Approach to Food Insurance, aka, Home Food Storage (2 of 2)

385-A Sensible Approach to Food Insurance, aka, Home Food Storage (2 of 2)

If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at the end? Today, we tackle the question of food insurance with a discussion of practical steps to take to build your own reserves. I think it's very wise for you to make sure that you always have enough food in your house to feed your family for at least a few weeks, even better a few months, and perhaps even a year or more. Since you can fit a year's

Oct 14, 2016 • 30:42

384-A Sensible Approach to Food Insurance, aka, Home Food Storage (1 of 2)

384-A Sensible Approach to Food Insurance, aka, Home Food Storage (1 of 2)

If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at the end? Today, we tackle the question of food insurance. In short, I think it's very wise for you to make sure that you always have enough food in your house to feed your family for at least a few weeks, even better a few months, and perhaps even a year or more. Since you can fit a year's supply of food under a twin bed, there's little reason not to

Oct 14, 2016 • 45:53

383-Budget for the Accessories

383-Budget for the Accessories

When I make a significant purchase, I always try to pay attention to the process of that purchase. I analyze my psychology and desire for the item, I consider carefully the decision process, and I consider the usefulness I get from the item and how much I enjoy and utilize it. One major lesson I've learned is to always make sure to budget for the accessories to enhance the usefulness of an item. Many times, the accessories you purchase for an item will make a dramatic difference in your ability

Oct 12, 2016 • 38:09

382-How to Remove Your Adult Children from Suckling at Your Financial Teat (aka, How to Get Your Boomerang Kids to Grow Up and Leave!)

382-How to Remove Your Adult Children from Suckling at Your Financial Teat (aka, How to Get Your Boomerang Kids to Grow Up and Leave!)

I recently read an article from the New York Times called, "It's Official: The Boomerang Kids Won't Leave." The story is a familiar one: adult children fall on hard times after college and need to move home in order to make ends  meet. This is an experience that many parents have had. The challenge is this: how do you get the kids to leave? What can and should you be doing in order to get them to a place of autonomy? In today's show we tackle this subject. We also cover some ideas for younger pa

Oct 5, 2016 • 48:59

381-Simple, Cheap, Practical Tips to Help You Prepare for a Coming Hurricane

381-Simple, Cheap, Practical Tips to Help You Prepare for a Coming Hurricane

As I release today's show, Hurricane Matthew is threatening the east coast of Florida and the Carolinas. (Today's show is not specific to Hurricane Matthew. The content is useful in any natural disaster or hurricane. But I wanted to get this information to you in a timely manner so that those of you in the warning cone have an opportunity to prepare.) Today's show is very practical. I cover: The most important need to address in advance of the storm: the ability to keep your phone and communica

Oct 4, 2016 • 1:07:45

380-Practical Advice for Employees to Dramatically Improve the Trajectory of Your Career

380-Practical Advice for Employees to Dramatically Improve the Trajectory of Your Career

Are you an employee? Want to make more money? Want to have a tremendous career? Listen to this show. Joshua Patronize me: www.radicalpersonalfinance.com/patron Talk to me: www.radicalpersonalfinance.com/phonecall

Sep 30, 2016 • 1:05:42

379-The Perils of Success (and Why I'm Taking the Filter off the Content of RPF in Order to Maintain and Grow my own Success)

379-The Perils of Success (and Why I'm Taking the Filter off the Content of RPF in Order to Maintain and Grow my own Success)

On today's show I cover four of the major perils of success. Both failure and success have danger points. You might think a lot about the dangers of failure. But are you aware of the perils of success? Have you thought about what might happen to you as you continue to achieve success? In today's show, I share with you four dangers of success...and I've fallen prey to all four of them. Then, after that discussion, I share with you how--and why--I'm removing some of the filters that I've kept on t

Sep 29, 2016 • 1:22:09

378-You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life: Interview with Author Jason Vitug from Phroogal.com

378-You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life: Interview with Author Jason Vitug from Phroogal.com

My guest today is Jason Vitug. Jason has a very interesting story of beginning at the bottom of the work-world, advancing quickly to company leadership, and then walking away to pursue travel and personal business projects that seem to integrate more with his life vision. Oh, and he wrote a book and just finished a 54-city speaking tour. Enjoy the interview! Joshua Jason's book: "You Only Live Once: the Roadmap to Financial Wellness and a Purposeful Life" http://rpf.link/2d7tsSN  Jason's websit

Sep 27, 2016 • 1:01:15

Out & About: The Stages of Financial Independence-My Appearance on the Afford Anything Podcast with Paula Pant

Out & About: The Stages of Financial Independence-My Appearance on the Afford Anything Podcast with Paula Pant

I recently appeared on Paula Pant's Afford Anything podcast for an in-depth discussion of the stages of financial independence. The interview was one of the favorite interviews I've done in a while and I think you'll really enjoy it. Enjoy! Joshua The original post: http://podcast.affordanything.com/stages-financial-independence-joshua-sheats/

Sep 26, 2016 • 1:25:16

Quick Announcement: Meet Up With Me in San Diego, CA This Week at #FinCon16

Quick Announcement: Meet Up With Me in San Diego, CA This Week at #FinCon16

Hey Radicals! I'm heading to California today for #FinCon16. I'd love to connect with as many of you as possible while I'm there! I'll be available on Thursday, Friday, and Saturday (9/22 to 9/24). Reach out to me on Twitter and let's schedule a time to connect! https://twitter.com/JoshuaSheats Joshua

Sep 21, 2016 • 3:19

377-Should You Go to Graduate School as a Simple Way of Increasing Your Income? Interview with Matt Miner from Design Independence

377-Should You Go to Graduate School as a Simple Way of Increasing Your Income? Interview with Matt Miner from Design Independence

We know that it's worthwhile to increase income in order to reach our financial goals more quickly. But how can we do that? One proven way is to get advanced education by attending graduate school. My guest today is Matt Miner. He followed the time-worn path of attending graduate business school as a way of significantly increasing his earnings and he's learned from that experience. He's also studied the issue extensively, so he brings both personal experience and study to this question. In this

Sep 21, 2016 • 1:03:18

376-My Suggestions for How This 13-Year-Old Student Can Be Financially Independent at 30

376-My Suggestions for How This 13-Year-Old Student Can Be Financially Independent at 30

I received the note below from a listener of my show and today I answer it! Enjoy, Joshua ----- Hi Mr. Sheats! I'm a home educated 13-year-old fan of your podcast.  I love how in-depth, interesting, and out-of-the-box it is.  I used to listen to the Dave Ramsey Show a lot, but that got really bland, so my dad suggested your show.  I love it! I've been listening pretty much daily since January of this year, and you've inspired me to become financially independent before age 30.  Right now, I'm

Sep 16, 2016 • 1:21:45

375-The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life; Interview with Author Lauren Greutman (I Am That Lady from IAmThatLady.com)

375-The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life; Interview with Author Lauren Greutman (I Am That Lady from IAmThatLady.com)

My guest today is Lauren Greutman. Lauren has been on RPF before (with her husband Mark) way back at Episode 108. But today she's back today as part of the book launch tour for her brand-new book: The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life. In today's episode, we cover:  Lauren's personal story and her highs and lows Lauren's systematic, step-by-step advice for how to overcome a spending addiction And more! Enjoy the interview! Joshua Lauren's book on Amazon: Th

Sep 13, 2016 • 1:05:34

374-Friday Q&A: How Should I Structure My Purchase of an iPhone, What Should I Think About When Buying a House, How Many Credit Cards Should I Have For Optimal Living, How Should I Value My Defined-Benefit Pension Plan

374-Friday Q&A: How Should I Structure My Purchase of an iPhone, What Should I Think About When Buying a House, How Many Credit Cards Should I Have For Optimal Living, How Should I Value My Defined-Benefit Pension Plan

On Fridays, we do Q&A. Today we cover:  How Should I Structure My Purchase of an iPhone? What Should I Think About When Buying a House? How Many Credit Cards Should I Have For Optimal Living? How Should I Value My Defined-Benefit Pension Plan If you'd like to join for a future Q&A call, join here: www.radicalpersonalfinance.com/patron  Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Get a personal consulting call with me: www.radicalpersonalfinance.com/phonecall

Sep 9, 2016 • 1:07:11

373-An Introduction to Types of Business Entities: Sole Proprietorship, Partnership, Limited Liability Company (LLC), Limited Liability Partnership (LLP), C Corporation, S Corporation

373-An Introduction to Types of Business Entities: Sole Proprietorship, Partnership, Limited Liability Company (LLC), Limited Liability Partnership (LLP), C Corporation, S Corporation

You want to start a business...so, you have to decide what type of business entity to use, right?  Well, yes and no. Yes in the sense that it is an important decision. But no in the sense that you should first focus on how you're going to build the business...and you should probably just start the business and see if it will work. But, it is an important decision. And there is a lot of confusion over all these entities. Today we cover these entities in an introductory capacity: Sole Proprietors

Sep 8, 2016 • 1:06:56

372-The Power of Cause and Effect: If you Want to Experience an Effect, You Must Initiate the Sequence of Causes That Lead to Its Outcome

372-The Power of Cause and Effect: If you Want to Experience an Effect, You Must Initiate the Sequence of Causes That Lead to Its Outcome

Whatever begins to exist has a cause. This fundamental truth governs much of your thinking. And yet, have you stopped to consider its application and how you can adjust this to your benefit? The law of cause and effect is operational in your daily life.  And yet, many people focus on the things they want (the effect) without every once stopping to think about how to get there! They don't think about the causes that are necessary to achieve a certain effect! In today's show, I give you a series o

Sep 6, 2016 • 40:47

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss Living a Rich Life

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss Living a Rich Life

Hey Radicals! Tough week this week and I'm behind on shows. My apologies! I thought you might enjoy this recent interview I gave on Everything Financial Radio in Grand Rapids, Michigan. The first part of the show is with Gerald Celente. My interview starts at 19:15. Back soon, Joshua The original file is found here: http://www.everythingfinancialradio.com/2016/07/gerald-celente-and-joshua-sheats-join-host-dennis-tubbergen/

Sep 1, 2016 • 39:43

371-Should You Invest in Mobile Homes to Build Wealth in Real Estate? And If So, How? Interview with John Fedro from MobileHomeInvesting.net

371-Should You Invest in Mobile Homes to Build Wealth in Real Estate? And If So, How? Interview with John Fedro from MobileHomeInvesting.net

Today's show is dedicated to the idea of mobile home investing. John Fedro stumbled into the mobile home investment business and has since made it his unique area of specialty. Mobile homes have some unique characteristics that might make them an attractive investment class for you to consider. (After all, you can often buy an entire house for less than a new car!) But they also carry some significant potential downsides. Enjoy the education, Joshua John's website: http://www.mobilehomeinvestin

Aug 30, 2016 • 44:49

370-Friday Q&A: Should I Take a State DB Pension Plan or Choose a Defined-Contribution Option, Why Do So Few People Grasp How Simple It Is to Become Wealthy, What Are the Next Steps I Should Take in Establishing My New Consulting Business

370-Friday Q&A: Should I Take a State DB Pension Plan or Choose a Defined-Contribution Option, Why Do So Few People Grasp How Simple It Is to Become Wealthy, What Are the Next Steps I Should Take in Establishing My New Consulting Business

On Fridays, I host a live Q&A call! Today we cover: Should I Take a State Defined-Benefit Pension Plan or Choose a Defined-Contribution Option? Why Do So Few People Grasp How Simple It Is to Become Wealthy? What Are the Next Steps I Should Take in Establishing My New Consulting Business If you'd like to join on a future call, become a Patron of the show at www.radicalpersonalfinance.com/patron  Enjoy! Joshua

Aug 26, 2016 • 1:02:16

369-Don't Wait for Financial Independence to Enjoy and Plan for Financial Abundance

369-Don't Wait for Financial Independence to Enjoy and Plan for Financial Abundance

Ever since I sat down and designed my "Seven Stages of Financial Independence," I've been a bit bothered by Stage 7: Financial Abundance. I inserted it at the end of the list because I think that's where it belongs. But I don't think you have to wait until you get through the stages to be able to enjoy a lifestyle of Financial Abundance. And I definitely don't think you should wait for later to start planning for Abundance. So, what do you do? Well, in today's show I do my best to lay out some i

Aug 25, 2016 • 44:31

368-How to Establish, Build, and Utilize Your Business Credit: Interview with Ty Crandall from www.CreditSuite.com

368-How to Establish, Build, and Utilize Your Business Credit: Interview with Ty Crandall from www.CreditSuite.com

Your personal credit and credit rating are an important component of your financial life. But did you know that you can also establish, build, and utilize an entirely separate credit file on your business? My guest today, Ty Crandall, is an expert on both business credit and personal credit and he's here with me today to share with you some actionable strategies you can understand and implement to begin building your own personal business credit. Enjoy! Joshua Ty's website (and free guide): www

Aug 23, 2016 • 49:29

367-Discussing Social Security Tactics, Strategy, and Background with Financial Planner Devin Carroll from Social Security Intelligence

367-Discussing Social Security Tactics, Strategy, and Background with Financial Planner Devin Carroll from Social Security Intelligence

Today we tackle Social Security with Devin Carroll from www.SocialSecurityIntelligence.com  Devin is a financial planner who has taken a special interest in consulting on the topic of social security. In this show we cover some general background and advice for those who are trying to figure out how to approach their social security strategy as well as some interesting background on the social security program. (If you listen closely, you might even find an argument or two contained herein!) Enj

Aug 16, 2016 • 56:28

366-Lessons Learned from Great Success and Great Failure in Multifamily Real Estate: Interview with Rod Khleif from the Lifetime Cashflow Podcast

366-Lessons Learned from Great Success and Great Failure in Multifamily Real Estate: Interview with Rod Khleif from the Lifetime Cashflow Podcast

My guest today has been from the lowest of lows to great heights of success. And then he repeated the cycle at least a time or two. Rod Khleif has owned over 2,000 houses and apartments. He has made millions. And, he lost millions during the 2008 housing crash. Today, he's come on the show to share the good and the bad from his experience. We cover technical details of real estate as well as many very important life lessons. Enjoy! Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/p

Aug 12, 2016 • 45:20

365-Tips to Hitchhike Europe (or Anywhere Else) on $40 a Week (with a Food Budget of $2 Per Day!) Interview with Philip Frey from Valiant Growth

365-Tips to Hitchhike Europe (or Anywhere Else) on $40 a Week (with a Food Budget of $2 Per Day!) Interview with Philip Frey from Valiant Growth

Do you wish to set out and travel but feel like you lack the money? Well, what if you did it anyway and just adjusted your style of travel to fit a more modest budget? My guest today is long-time listener of the show, Philip Frey. A few years ago he did exactly that. He set out across Europe with a schoolmate and they managed to cobble together a very fun trip on a very modest budget! In today's show we discuss Philip's experiences and advice for how to replicate a trip like his.  I also share s

Aug 11, 2016 • 1:08:54

364-The Laws of Wealth: Psychology and the Secret to Investing Success: Interview with Author Daniel Crosby

364-The Laws of Wealth: Psychology and the Secret to Investing Success: Interview with Author Daniel Crosby

My guest today is Daniel Crosby. Daniel is a behavioral economist and he has applied his expertise to the question of investing. One of the greatest challenges investors face is managing their own behavior. Daniel has studied this problem extensively and has formulated specific recommendations to help investors manage their psychology and manage their behavior. Enjoy! Joshua You're Not That Great! http://rpf.link/2aIuwry  The Laws of Wealth: Psychology and the Secret to Investing Success http:/

Aug 9, 2016 • 1:10:54

The Power of Your Personal Philosophy: Audio from Jim Rohn

The Power of Your Personal Philosophy: Audio from Jim Rohn

I tried as hard as I could to ship a financial planning show today, but it just didn't get done. Oh well. I don't always promise to release audio to you every day, but I didn't want to leave you hanging without something to listen to. So enjoy 20 minutes of pure Jim Rohn gold. Joshua

Aug 5, 2016 • 22:46

363-Combating the Effects of a Terminal Illness Diagnosis with Real Estate Prowess (and What's Better--Business or Real Estate?) Interview with Kathy Fettke from the Real Wealth Network

363-Combating the Effects of a Terminal Illness Diagnosis with Real Estate Prowess (and What's Better--Business or Real Estate?) Interview with Kathy Fettke from the Real Wealth Network

My guest today is Kathy Fettke. Kathy has a very interesting story of learning to invest in real estate during a time of personal crisis. She has since leveraged her experience to build a business related to real estate in addition to managing her own investments. Enjoy! Joshua Kathy's website: http://www.realwealthnetwork.com/  Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Aug 3, 2016 • 58:59

362-Making it Big in the USA as an Indian Immigrant: Interview with Manhar Patel

362-Making it Big in the USA as an Indian Immigrant: Interview with Manhar Patel

I'm fascinated with stories of immigrants to the United States. If you mentally put yourself in the shoes of an immigrant and then ask how you could become wealthy, even if you started with nothing, you have the opportunity to clarify the actions you can take which lead to wealth. A listener to the show, Manhar Patel, emailed me and asked me if I was interested in his story. After a bit of back and forth, I invited him on the show to tell his story. Manhar is an Indian immigrant to the United St

Aug 2, 2016 • 29:25

361-The Power of If: If You Don't Like the Laws (Especially the Financial Laws), Avoid the Conditions that Cause You to be Subject to Them

361-The Power of If: If You Don't Like the Laws (Especially the Financial Laws), Avoid the Conditions that Cause You to be Subject to Them

The past few weeks have been a bit depressing for me due to the absurdity of national politics here in the United States. I broke my personal rules of not getting involved with national politics and the results weren't pretty. I was thoroughly annoyed and saddened. Until Sunday afternoon. Which is when a young man in my neighborhood cheered me up by showing how it's possible for someone who wants something to get it, no matter what stands in the way. On today's show, I share with you some though

Aug 1, 2016 • 40:44

360-Friday Q&A: Are Bonds Necessary for Good Asset Allocation, Traditional 401(k) or Roth IRA, How to Leverage Long-Term Travel for Career Advancement, What Kind of Retirement Plan to Put In Place at a NonProfit, How to Rebuild after Bankruptcy

360-Friday Q&A: Are Bonds Necessary for Good Asset Allocation, Traditional 401(k) or Roth IRA, How to Leverage Long-Term Travel for Career Advancement, What Kind of Retirement Plan to Put In Place at a NonProfit, How to Rebuild after Bankruptcy

On Fridays we do Q&A!  Are Bonds Necessary for Good Asset Allocation Traditional 401(k) or Roth IRA How to Leverage Long-Term Travel for Career Advancement What Kind of Retirement Plan to Put In Place at a NonProfit How to Rebuild after Bankruptcy If you'd like to get on a call like this, join as a patron! www.radicalpersonalfinance.com/patron  Joshua Paper: "Non-Profit Organizations Have Few Options for Deferred Compensation" from Journal of Retirement Planning

Jul 29, 2016 • 1:15:28

359-Save Money on Your Food Budget by Learning How to Cook at Home! Practical Advice from Ketura from FreeToCook.com

359-Save Money on Your Food Budget by Learning How to Cook at Home! Practical Advice from Ketura from FreeToCook.com

How much money do you spend eating out? How much money could you save simply by learning to cook for yourself? My guest today is Ketura from www.FreeToCook.com and she's here to share her personal experiences in learning to cook from home to improve her family's budget. Enjoy! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron

Jul 28, 2016 • 28:06

358-Taxation of Disability Insurance, Can I Get Disability Payments for Pregnancy, Types of Policies Such as Business Overhead Expense Insurance, Disability Buy-Out Policies, Guaranteed Issue Plans, and More!

358-Taxation of Disability Insurance, Can I Get Disability Payments for Pregnancy, Types of Policies Such as Business Overhead Expense Insurance, Disability Buy-Out Policies, Guaranteed Issue Plans, and More!

Today we round out the 4-part disability series with: A wrap-up of some key concepts Taxation of disability insurance premiums Various types of disability insurance policies Pregnancy and disability insurance Q&A from the audience Enjoy! Joshua Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin Support RPF on Patreon: www.radicalpersonalfinance.com/patron Want to book a consulting call with me? Book here: www.radicalpersonalfinance.com/phonecall

Jul 27, 2016 • 1:12:12

357-Taming the High Cost of College: Understanding the Landscape of College Tuition, Financial Aid, Loans, and Your Choices with Brad Baldridge

357-Taming the High Cost of College: Understanding the Landscape of College Tuition, Financial Aid, Loans, and Your Choices with Brad Baldridge

College and all of its associated costs can make a big difference in your financial situation.  Today, I've invited Brad Baldridge on the show to discuss the college planning process and the background to many of the financial decisions. I think you'll enjoy the interview. Be sure to stay tuned for the second half where we pull apart some strategies for making the student aid forms work to your favor. Enjoy! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Want to consult wi

Jul 26, 2016 • 1:19:46

356-Your Next Car Should be a Minivan. Here's Why!

356-Your Next Car Should be a Minivan. Here's Why!

Minivans get a bad rap in our modern culture. They're the brunt of endless jokes and I want to see that change. For some reason people think that minivans are suitable only for parents with kids. They certainly are great for that--far, far better than an SUV--but that's not all. I think a minivan is pretty much the perfect vehicle for everyone at every stage of life. Yes, that's a big claim. But I really, really do think they're great. Today, I do my best to convince you to join me in the land o

Jul 25, 2016 • 50:12

355-How to Build a Plan for Financial Freedom in 10 Years or Less

355-How to Build a Plan for Financial Freedom in 10 Years or Less

The tagline I created for Radical Personal Finance is this: "...the show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now while building a plan for financial freedom in 10 years or less." Little by little I've been breaking this down for you and today we tackle the "financial freedom in 10 years or less" part. I believe that, no matter where you're starting from or what your current financial condition, you can buil

Jul 1, 2016 • 57:01

354-Disability Insurance: Benefit Amounts, Needs Analysis, Group vs. Individual, Definitions of Disability (Own Occ vs. Any Occ), Policy Provisions (Total Disability, Partial, etc.) and More!

354-Disability Insurance: Benefit Amounts, Needs Analysis, Group vs. Individual, Definitions of Disability (Own Occ vs. Any Occ), Policy Provisions (Total Disability, Partial, etc.) and More!

Today we continue our disability insurance series with a discussion of: How to determine the benefit amount of an individual disability insurance policy The interaction of group disability insurance and individual disability insurance The definition of disability (own occupation, modified own occupation, any occupation) How is disability determined (loss of time, duties, income) Total disability vs. partial disability vs. presumptive total disability. Enjoy! Joshua Support RPF on Patreon! www

Jun 30, 2016 • 55:06

353-How to Get Out of Debt Fast By Driving A Truck (And Build a Freedom Fund!): Interview With Ben and Deb Martinek

353-How to Get Out of Debt Fast By Driving A Truck (And Build a Freedom Fund!): Interview With Ben and Deb Martinek

Often very large financial goals can be achieved in a relatively short period of time if you focus enough on the goal and execute a plan with intense action. Today, I bring you the story and experience of a couple who did just that. Ben and Deb Martinek decided to become over-the-road truck drivers so that they could pay off their student loans in a very short period of time. They succeeded in paying off about $100,000 in debt in 2.5 years by driving a truck. And they had a great time doing it!

Jun 28, 2016 • 56:41

352-Friday Q&A: Should I Purchase My Personal House in an LLC, How do I Know if My Life Insurance Agent is Advising the Right Amount

352-Friday Q&A: Should I Purchase My Personal House in an LLC, How do I Know if My Life Insurance Agent is Advising the Right Amount

On Fridays we do a live Q&A show here at Radical Personal Finance. If you'd like access to these calls, join here: www.RadicalPersonalFinance.com/patron  Today we cover: Should I Purchase My Personal House in an LLC? How do I Know if My Life Insurance Agent is Advising the Right Amount of Insurance to Own? Enjoy the show! Joshua

Jun 24, 2016 • 40:34

351-How to Live a Rich Life Now (pt. 2): Most Material Riches Are Easily Accessible to You Today

351-How to Live a Rich Life Now (pt. 2): Most Material Riches Are Easily Accessible to You Today

Today, we continue our series on "Living a Rich Life Now" by discussing material riches and how you can appreciate the ones you already have and enjoy more more material riches now, without waiting. Most people equate riches with things they have yet to buy. Largely, this is due to an effective marketing campaign by somebody with something to sell. But, many of us easily forget about all of the material riches we already enjoy. And, we neglect the easy ways we can live a rich life--perhaps even

Jun 23, 2016 • 1:00:08

350-How to Live a Rich Life Now: The Immaterial Attributes of Riches That You Can Control Today

350-How to Live a Rich Life Now: The Immaterial Attributes of Riches That You Can Control Today

Radical Personal Finance is "a show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now while building a plan for financial freedom in 10 years or less." That's the slogan that I came up with as the unifying theme after creating about 300 episodes of the show. But, although I've been using this slogan for a while, I've never actually explained each of the statements in that slogan. And they're all important. Today, I

Jun 21, 2016 • 45:14

349-Want to Get Rich and Live a Comfortable Life? You Should Seriously Consider Being a Doctor as Your Path! Interview with Peter Steinberg

349-Want to Get Rich and Live a Comfortable Life? You Should Seriously Consider Being a Doctor as Your Path! Interview with Peter Steinberg

I've previously stated that I don't understand why anyone would go into the field of medicine as a way of getting rich. I understand why people would want to do it because it fits their goals and personality and sense of calling, but I've always felt that it's a bad move financially. Even though you can earn a high income, there are a lot of disadvantages to the career! Well, my guest on today's show disagrees with me! He's a practicing physician and he thinks I'm dramatically misrepresenting th

Jun 17, 2016 • 1:07:34

348-Think You've Got it Tough? This Show Will Make You Grateful for Your Abundant Opportunities. I Promise!

348-Think You've Got it Tough? This Show Will Make You Grateful for Your Abundant Opportunities. I Promise!

A lot of us face difficult situations. And it's tough to maintain a positive attitude. But, have you considered what some other people face? What would you do if you were facing a >70% unemployment rate in your town? What would you do if you were working a job that hadn't paid you in >6 months? What would you do if you had electricity for only 2 hours per day? After listening to today's show, I promise you'll look at the opportunities around you with a fresh appreciation.  Enjoy! Joshua Bola's F

Jun 14, 2016 • 0:00

347-Disasters Happen: Make a Plan Now to Ensure You Have Plenty of Money Available to You to Solve the Problems Money Can Solve

347-Disasters Happen: Make a Plan Now to Ensure You Have Plenty of Money Available to You to Solve the Problems Money Can Solve

June 1 is the start of hurricane season here in South Florida. June is always when I review my own hurricane preparedness plan and assess it for any weaknesses. I've also kept a close eye on the Fort McMurray wildfires and the economic crisis currently underway in Venezuela. Given these stark and vivid disasters, I've wanted to draw your attention to them as a way for you to consider how you're prepared to handle them. Today I focus on the importance of money--specifically having some available

Jun 13, 2016 • 56:27

346-Real Estate Entity Selection & Estate Planning (With a NYC Slant): Interview with Real Estate and Estate Planning Attorney Jules Haas

346-Real Estate Entity Selection & Estate Planning (With a NYC Slant): Interview with Real Estate and Estate Planning Attorney Jules Haas

Today I've invited Jules Haas on the show to talk real estate entity selection and estate planning. Jules has an especially interesting perspective given where he lives and practices law: downtown New York City. We discuss: how to decide if you should own real estate within an entity or not how to own real estate with maximum privacy (and why it's important) estate considerations for different methods of ownership Enjoy! Joshua Jules's website: https://www.juleshaasattorney.com/ (For a free c

Jun 10, 2016 • 1:02:13

345-"Cashing in Tax Free: Your Ultimate Guide to a Tax-Free Retirement Using 1031 Exchange and Delaware Statutory Trusts" Interview with Author Leslie Pappas

345-"Cashing in Tax Free: Your Ultimate Guide to a Tax-Free Retirement Using 1031 Exchange and Delaware Statutory Trusts" Interview with Author Leslie Pappas

Today on Radical Personal Finance we veer into an interesting niche in the real estate market. Do you have an appreciated rental property with a lot of equity in it? Would you like to know how to transition out of that personally managed property into a professionally managed portfolio without paying capital gains taxes on the transfer? That's what today's interview is about. My guest is Leslie Pappas. She's an expert at using 1031 Exchanges and Delaware Statutory Trusts in a very specialized se

Jun 8, 2016 • 54:35

344-How to Go From Broke to Comfortable With a Single Move! (And What is a Junior IRA?): Interview with Mr. and Mrs. Groovy from FreedomIsGroovy.com

344-How to Go From Broke to Comfortable With a Single Move! (And What is a Junior IRA?): Interview with Mr. and Mrs. Groovy from FreedomIsGroovy.com

My guest on today's show is Mr. Groovy, writer at the eponymous website www.FreedomIsGroovy.com  He reached out to me and pitched me for some exposure for his idea of a Junior IRA. I accepted his request and invited him on the show. I also thoroughly enjoyed hearing his story of getting free financially with a simple geographic move. There's a lesson in there for many of you. Enjoy the show! Joshua Mr. Groovy's JIRA idea: http://freedomisgroovy.com/junior-ira-nutshell/ Support RPF on Patreon! w

Jun 6, 2016 • 59:59

343-Friday Q&A: When Should My Wife Take Social Security, Should I Buy Term Life Insurance as an Investment?

343-Friday Q&A: When Should My Wife Take Social Security, Should I Buy Term Life Insurance as an Investment?

On Fridays, I do a live Q&A call for patrons of the show. Today we cover: When Should My Wife Take Social Security? Should I Buy Term Life Insurance as an Investment? If you'd like to join a Q&A call, become a Patron of the show at www.radicalpersonalfinance.com/patron  Joshua Social Security Strategies: How to Optimize Retirement Benefits by William Reichenstein and William Meyer http://rpf.link/1ss19mu

Jun 3, 2016 • 31:31

342-How to Make a Fortune (or Build a Lifestyle Business) Selling Stuff on Amazon: Interview with Brad DeGraw

342-How to Make a Fortune (or Build a Lifestyle Business) Selling Stuff on Amazon: Interview with Brad DeGraw

I'm always keeping my ears out for interesting ways to earn a living--or a side income. And today, I've got exactly that for you. My guest today is Brad DeGraw. Brad is an expert at selling stuff through Amazon. He claims to have started with $100 and a WiFi connection and to have turned it into over $1,000,000 in sales to date. Enjoy the interview! Joshua Brad's website: http://amazonsherpa.com/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Jun 1, 2016 • 47:30

341-Odds On: The Making of an Evidence-Based Investor, Interview with Author and Financial Advisor Matt Hall

341-Odds On: The Making of an Evidence-Based Investor, Interview with Author and Financial Advisor Matt Hall

My guest today is Matt Hall. Matt is a financial advisor who learned the hard way what works and what doesn't in the world of financial advice. One of the missions of Radical Personal Finance is to pull back the curtain from the world of financial advice. I do my best to ask direct questions of financial advisors and give them an opportunity to share their perspective. Enjoy! Joshua Buy Matt's book "Odds On: The Making of an Evidence-Based Investor" on Amazon. http://rpf.link/1Ubu196  Matt's we

May 31, 2016 • 1:16:31

340-Friday Q&A: Should I Get Disability Insurance if I'm Only Working for Two Years, What Happens to Disability Insurance If I'm Changing Jobs, How Should I Save Money For My 9-Month Old Daughter's House, Should I Work Three More Years In Order To Vest

340-Friday Q&A: Should I Get Disability Insurance if I'm Only Working for Two Years, What Happens to Disability Insurance If I'm Changing Jobs, How Should I Save Money For My 9-Month Old Daughter's House, Should I Work Three More Years In Order To Vest

On Fridays, we do a live Q&A show! Today, we cover: Should I Get Disability Insurance if I'm Only Working for Two Years What Happens to Disability Insurance If I'm Changing Jobs How Should I Save Money For My 9-Month Old Daughter's House Should I Work Three More Years In Order To Vest in my Pension Enjoy! Joshua If you'd like to call in to a show like this, become a patron of the show! www.radicalpersonalfinance.com/patron

May 27, 2016 • 48:37

339-Long-Term Disability vs Short-Term Disability, Benefit Period, Elimination Period, Noncancellable vs. Guaranteed Renewable Continuance Provisions

339-Long-Term Disability vs Short-Term Disability, Benefit Period, Elimination Period, Noncancellable vs. Guaranteed Renewable Continuance Provisions

Today we continue our disability insurance series. We cover: Why it's so hard to compare disability insurance policies to each other Long-term disability insurance vs. short-term disability insurance Benefit periods (2 years, 5 years, to age 65, etc.) Elimination periods (2 weeks, 45 days, 90 days, 6 months, 1 year, etc.) Continuance provisions (noncancellable, guaranteed renewable, conditionally renewable) Enjoy! Joshua Need a financial advisor? Go here: www.radicalpersonalfinance.com/paladi

May 26, 2016 • 44:34

338-Negotiating a Better Work Arrangement for Greater Personal Happiness: Interview with Jeff, the Happy Philosopher

338-Negotiating a Better Work Arrangement for Greater Personal Happiness: Interview with Jeff, the Happy Philosopher

Today we speak with Jeff, the Happy Philosopher. Jeff is a doctor who was finding himself increasingly dissatisfied with his job.  Knowing that if he didn't make a change, he would find himself totally burned out, he managed to re-negotiate his work agreements in order to build a better lifestyle. This is an option that many of you should consider. Enjoy! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron

May 25, 2016 • 1:19:04

337-Why You Should Buy Disability Insurance Before Any Other Type of Insurance Coverage

337-Why You Should Buy Disability Insurance Before Any Other Type of Insurance Coverage

If you could only choose one type of insurance coverage to have, I believe you should buy disability insurance. In today's show, I seek to persuade you to agree with me. In short, this is my sales pitch for disability income insurance. Enjoy! Joshua Would you like to consult with me on the topic of your choice? Book a call here: www.radicalpersonalfinance.com/phonecall Support RPF on Patreon. www.radicalpersonalfinance.com/patron

May 24, 2016 • 50:17

336-Friday Q&A: Advice on Starting an Experts Business, How to Transition from a Stable Career to Unstable Entrepreneurship, Joshua's Thoughts on the Banking System, How to Become a Better Salesperson

336-Friday Q&A: Advice on Starting an Experts Business, How to Transition from a Stable Career to Unstable Entrepreneurship, Joshua's Thoughts on the Banking System, How to Become a Better Salesperson

On Fridays, we have Q&A! And today, I have some fun questions for you. My Advice on Starting an Experts Business How to Transition from a Stable Career to Unstable Entrepreneurship Opportunity  Joshua's Thoughts on the Banking System and It's Problems How to Become a Better Salesperson If you'd like to participate in a Friday call, join the show as a Patron! www.radicalpersonalfinance.com/patron  Joshua

May 20, 2016 • 1:03:08

335-My New Consulting Business...And Yours Too!

335-My New Consulting Business...And Yours Too!

I've decided--after many, many requests--to offer paid phone consulting to you, the audience. If you would like to consult with me on any topic of your choice, I'm now available to you! (Just use this link: https://radicalpersonalfinance.com/phonecall ) I think you'll be interested in the backstory of why I've gone back and forth on offering this service. A new technology offering is what has made the difference. Listen to the show for details. Oh, and by the way...I want you to copy me! For som

May 20, 2016 • 25:24

334-How & Why to Go Independent as a Financial Advisor: Interview with Financial Advisor Sean Kernan

334-How & Why to Go Independent as a Financial Advisor: Interview with Financial Advisor Sean Kernan

Ever wondered what the actual practice models are for financial advisors? Today, I've invited Sean Kernan on the show to talk about the inside business of financial advice. Sean is a financial advisor who started his career at the large wirehouses and later transitioned to be independent.  Since then, he's started a website and podcast to help other advisors called "How to Go Independent." If you'd like to listen in on two financial advisors discussing what the industry is actually like on the i

May 18, 2016 • 1:32:33

333-Q&A: How to Lower Work-Culture Costs Without Being Perceived as a Grinch, Should I Take Out a TSP Loan or Student Loans for Grad School, Should I Take a Year Off To Try a Business or Go Directly to Grad School, How To Profitably Invest Paternity Leave

333-Q&A: How to Lower Work-Culture Costs Without Being Perceived as a Grinch, Should I Take Out a TSP Loan or Student Loans for Grad School, Should I Take a Year Off To Try a Business or Go Directly to Grad School, How To Profitably Invest Paternity Leave

Today on RPF, I answer your questions: How to Lower Work-Culture Costs Without Being Perceived as a Grinch? Should I Take Out a TSP Loan or Student Loans for Grad School? Should I Take a Year Off To Try a Business or Go Directly to Grad School? How To Profitably Invest Paternity Leave? Enjoy the show! Joshua Do you need a financial advisor? Start here! www.radicalpersonalfinance.com/paladin  Support RPF on Patreon! www.radicalpersonalfinance.com/patron

May 16, 2016 • 1:15:58

332-Q&A: How to Sell Whole Life Insurance to Buy Term & Invest the Difference People, How to Help People Get Experience So They Know What Kind of Work to Do, Joshua's System of Marginalia, Savoring Books vs. Gulping Books

332-Q&A: How to Sell Whole Life Insurance to Buy Term & Invest the Difference People, How to Help People Get Experience So They Know What Kind of Work to Do, Joshua's System of Marginalia, Savoring Books vs. Gulping Books

Today on RPF, I answer your questions! How to Sell Whole Life Insurance to Buy Term & Invest the Difference People How to Help People Get Experience So They Know What Kind of Work to Do Joshua's System of Marginalia Savoring Books vs. Gulping Books Enjoy the show! Joshua Support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron  You Need a Budget! Try the same software I use: www.radicalpersonalfinance.com/YNAB

May 11, 2016 • 55:23

331-Financial Independence with Real Estate Starting With No Money! Interview with Chad Carson

331-Financial Independence with Real Estate Starting With No Money! Interview with Chad Carson

My guest today is Chad Carson. Chad is a real estate investor and financial freedom pursuer.  I've invited him on today's show to share his story of how he began investing in real estate with no money and how he's built his empire to a place of financial freedom today. Enjoy! Chad's site: www.coachcarson.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron

May 10, 2016 • 49:16

330-How to Live Super Cheap and Earn Your Income Selling Stuff Online! Interview with Nate Dodson

330-How to Live Super Cheap and Earn Your Income Selling Stuff Online! Interview with Nate Dodson

Today on Radical Personal Finance we dig into the topics of living cheap and well! My guest is quite the radical guy and he's here to share with us what he's learned regarding: figuring out how to live a great life on very little money figuring out how to build an income from selling things through an online shop Enjoy the show! Joshua Support Radical Personal Finance! www.radicalpersonalfinance.com/patron

May 5, 2016 • 33:40

329-Boost Your Investment Returns with Marketplace Lending: Interview on Current Opportunities with Peter Renton, Founder of Lend Academy and the LendIt Conference

329-Boost Your Investment Returns with Marketplace Lending: Interview on Current Opportunities with Peter Renton, Founder of Lend Academy and the LendIt Conference

Marketplace lending (a.k.a. peer-to-peer lending) is steadilyadvancing in impact and popularity. Although it's certainly not yeta dominant form of cashflow for borrowers nor is it a dominantinvestment choice for investors, it is on the steady growth and itsimpact is being felt. My guest today is a front-seat commentator and active investorin this marketplace. Peter Renton is the founder of LendAcademy.com and the LendItconference. He's here today to bring us up to speed on the peer-to-peermarket

May 2, 2016 • 1:16:32

328-Friday Q&A: the Language of Marginal Tax Deductions, Volunteering as an Income Tax Preparer for Low Income People, and Are Cash Value Life Insurance Policies a Good Place for an Emergency Fund

328-Friday Q&A: the Language of Marginal Tax Deductions, Volunteering as an Income Tax Preparer for Low Income People, and Are Cash Value Life Insurance Policies a Good Place for an Emergency Fund

On Fridays, we do a live Q&A call. If you'd like to join the call, sign up here: www.radicalpersonalfinance.com/patron  Today we discuss: The Language of Marginal Tax Deductions Volunteering as an Income Tax Preparer for Low Income People Are Cash Value Life Insurance Policies a Good Place for an Emergency Fund Enjoy! Joshua

Apr 29, 2016 • 30:15

327-How to Save Money on Medical Expenses Without Accidentally Killing Yourself From Foolish Decisions: Interview with Dr. Mohammad Ashori

327-How to Save Money on Medical Expenses Without Accidentally Killing Yourself From Foolish Decisions: Interview with Dr. Mohammad Ashori

Medical expenses represent a large percentage of our lifetime expenditures. But do they need to? My guest today is a practicing physician and he's here to share with us where we can rationally cut back and scrimp and save when it comes to medical expenses. This area of thought is one of the most taboo areas when it comes to frugality. Many people who are otherwise quite frugal have an immediate, visceral reaction of condemnation when someone announces they're making different medical decisions i

Apr 27, 2016 • 1:15:26

326-An Immigrant's Path to Entrepreneurship: Lessons Learned with Dan Lok

326-An Immigrant's Path to Entrepreneurship: Lessons Learned with Dan Lok

Immigrants to the United States are much more likely to become millionaires than are natural-born citizens. And although my guest today lives in Canada, the parallel is clear. Dan Lok had a challenging beginning to his career, not the least of which was that he had to begin with learning and improving his English language skills! His foray into the world of employment came as a 16-year-old earning minimum wage. He quickly realized that he needed to go into business for himself and he hasn't look

Apr 26, 2016 • 1:15:00

325-How to Invest in Guns for Maximum Profit and Diversification: Interview with James Wesley, Rawles from SurvivalBlog.com

325-How to Invest in Guns for Maximum Profit and Diversification: Interview with James Wesley, Rawles from SurvivalBlog.com

I love to explore interesting financial markets which are accessible to the common person who demonstrates a little bit of interest. Today we dig into one such market: guns. I've invited James Wesley, Rawles onto the show today to discuss how you can intelligently invest in guns as a means to wealth. We cover: Speculative approaches and non-speculative approaches. How to leverage small amounts of money by buying specific firearm components. Interesting little wrinkles in the marketplace. Etc.

Apr 25, 2016 • 1:19:25

324-Friday Q&A: How to Invest $1k to 10k, How to Prioritize Competing Goals, Should I Stay in my Current Job Until I'm Vested, What Kind of Retirement Plan Should Middle-Age Hotel Owners Establish

324-Friday Q&A: How to Invest $1k to 10k, How to Prioritize Competing Goals, Should I Stay in my Current Job Until I'm Vested, What Kind of Retirement Plan Should Middle-Age Hotel Owners Establish

On Fridays, we do Q&A! Today we cover: How to Invest $1k to 10k? How to Prioritize Competing Goals? Should I Stay in my Current Job Until I'm Vested? What Kind of Retirement Plan Should Middle-Age Hotel Owners Establish? If you'd like to participate in these Friday calls, become a patron of the show at www.radicalpersonalfinance.com/patron Enjoy! Joshua

Apr 22, 2016 • 58:22

323-How to Teach Your 8-Year-Old To Earn with Job Skills, Build Businesses, and Invest Wisely

323-How to Teach Your 8-Year-Old To Earn with Job Skills, Build Businesses, and Invest Wisely

One of our primary charges as parents is to raise our children from dependency to maturity and independence. One major component of this task is to teach them to be economically self-sufficient. How do we do this? Where does it start? Well, I believe we need to tackle this at a very young age. The earlier the better.  In today's show, I'll tell you my ideas on the topic. Enjoy! Joshua Support RPF as a Patron of the show! www.radicalpersonalfinance.com/patron

Apr 21, 2016 • 49:06

322-How This Teacher Has Gone from Deep in Student Loan Debt to Financially Independent by Age 40: Interview with Nicole Bryan

322-How This Teacher Has Gone from Deep in Student Loan Debt to Financially Independent by Age 40: Interview with Nicole Bryan

My guest today is Nicole Bryan. Nicole began her career as a schoolteacher with a pile of student loans. Today, she is on track to be financially independent by her 40th birthday. Her story will be incredibly valuable for you as it will demonstrate the feasability of achieving financial freedom for almost all of us! Listen and enjoy! Joshua Nicole's FB group: http://facebook.com/financialfreedomlovers   Support Radical Personal Finance as a Patron! http://radicalpersonalfinance.com/patron

Apr 20, 2016 • 52:08

321-The Trend Following Investment Strategy (and What It's Like to Build Your Own Investment Management Firm from Scratch) with Michael Melissinos

321-The Trend Following Investment Strategy (and What It's Like to Build Your Own Investment Management Firm from Scratch) with Michael Melissinos

My guest today is Michael Melissinos. Michael is a trend-following investment manager who has systematically built his own firm over the past few years. Michael's story presents both a case study of entrepreneurship (how to go from jobs that are poorly suited to you to an entrepreneurial venture) as well as insight into various aspects of trading from a trend-following perspective. Enjoy the show! Joshua Michael's blog: http://www.michaelmelissinos.com/ Michael's firm's site: http://www.melissi

Apr 18, 2016 • 1:17:05

320: Breaking all the Rules to Succeed in Podcasting: Recording of My Speech to the South Florida Podcasting Meetup Group

320: Breaking all the Rules to Succeed in Podcasting: Recording of My Speech to the South Florida Podcasting Meetup Group

RPF is on Spring Break this week so I'm posting some different content than my normal show. This is a speech that I gave to a local podcasting meetup group here in South Florida called "Breaking all the Rules of Podcasting." It contains my advice to a roomful of new and aspiring podcasters. The speech was delivered on 09/12/2015. Here's a link to the PowerPoint presentation I was presenting to my audience while speaking: http://traffic.libsyn.com/radicalpersonalfinance/South_Florida_Podcast_Mee

Apr 15, 2016 • 55:03

Out and About: Control the Risk of Failure with Joshua Sheats - Youversation Episode 035

Out and About: Control the Risk of Failure with Joshua Sheats - Youversation Episode 035

(RPF is on Spring Break this week, so I'm sharing some interviews with you where I've been featured on other shows. Enjoy! -Joshua) “I don’t think failure is a mark of shame. Failure and mistakes are inevitable.” Things Joshua talks about in this episode: Why a “hunch” helped him move into his podcast career Why he had to ignore the advice of people around him to start the podcast Why he had to quit his job to start his podcast How he “mitigated” the details of failure When we do fail, let’s fa

Apr 14, 2016 • 43:21

Out & About: Sales From The Street-"Shh, Just Listen Man" The Sales Evangelist Episode#224

Out & About: Sales From The Street-"Shh, Just Listen Man" The Sales Evangelist Episode#224

(RPF is on Spring Break this week so I'm posting some interviews where I've been featured on other shows. Enjoy my comments on sales in this interview with The Sales Evangelist! -Joshua) How well do you listen to your clients? Well, our guest today illustrates the power of listening! By the end of the show, you’d most likely figure out why it does help to just shh… Our guest on today’s Sales From the Street episode is Joshua Sheats, host of The Radical Personal Finance Podcast. Coming from a six

Apr 13, 2016 • 21:36

Out & About: Self-Education Plan Review with Joshua Sheats (Anarcho-Yakitalism Podcast Ep.62 )

Out & About: Self-Education Plan Review with Joshua Sheats (Anarcho-Yakitalism Podcast Ep.62 )

RPF is on Spring Break this week so I'm publishing some podcasts where I've been interviewed on other people's shows. This episode is a follow-up appearance on Nick Hazelton's podcast wherein he solicited my advice and comments on his self-education plan. Joshua My original appearance on Nick's show: http://an-yak.com/?p=193  The original link for this episode: http://an-yak.com/?p=422

Apr 12, 2016 • 1:04:03

Out and About: Investing to BE Dave Ramsey (with Joshua Sheats) - Stacking Benjamins

Out and About: Investing to BE Dave Ramsey (with Joshua Sheats) - Stacking Benjamins

(I'm on Spring Break this week, so I'm posting an episode of Stacking Benjamins which featured my advice on how to invest to be Dave Ramsey. -Joshua) How do you become Dave Ramsey? You invest a certain way…and it isn’t the way Dave Ramsey tells you to invest. We welcome Joshua Sheats to the show from Radical Personal Finance to talk about becoming wealthy. What does it take? What does that mean for concepts like diversification, risk and insurance planning? We’ll cover all of those. Of course, t

Apr 11, 2016 • 1:11:14

RPF is on Spring Break!

RPF is on Spring Break!

Hey Radicals! RPF is on Spring Break for the next few weeks. (I do promise to go to the beach at least once--but no bikini pictures on Facebook for me!) I will release a few sporadic shows including some interviews with me which have appeared on other shows. In the meantime, if you're looking for something to listen to, I encourage you to check out the archives of the show! I do my best not to repeat topics, so if you're a new listener, you'll find a wealth of topics in the archives of the show.

Apr 5, 2016 • 1:25

319-Friday Q&A: Should I Switch from Employment to Self-Employment to Save Money, How do I Decide Between Model Portfolio Asset Allocations

319-Friday Q&A: Should I Switch from Employment to Self-Employment to Save Money, How do I Decide Between Model Portfolio Asset Allocations

On Fridays, we have a live Q&A show. Today we cover these two questions: Should I Switch from Employment to Self-Employment to Save Money? How do I Decide Between Model Portfolio Asset Allocations? If you'd like to join a call like this and have your question appear on the show, simply become a Patron of the show here: www.radicalpersonalfinance.com/patron  Enjoy! Joshua

Apr 1, 2016 • 40:19

318-How to Get the Best Possible Mortgage: Advice from Casey Fleming, Author of "The Loan Guide"

318-How to Get the Best Possible Mortgage: Advice from Casey Fleming, Author of "The Loan Guide"

For most people, housing decisions are the largest financial decisions that they will make. And the mortgages usually associated with housing are the largest debts most of us will take on. And yet how much time and energy do we actually invest into researching these decisions?  For most of us, the answer is not much. My guest today is Casey Fleming and he's here to help us navigate the waters of the mortgage market with some clear, up-front advice. Enjoy the show! Joshua Casey's book: The Loan

Mar 31, 2016 • 52:15

317-Living in a Bus and a Tiny House With 7 Kids! Interview with Shane and Julie Good from www.GoodNewsBus.com

317-Living in a Bus and a Tiny House With 7 Kids! Interview with Shane and Julie Good from www.GoodNewsBus.com

I love to discover unique people who embrace an unusual lifestyle. My guests today are a perfect example of such a lifestyle! Shane and Julie Good live part-time in a converted school bus and part-time in a tiny house that they built themselves. That's impressive. But, even more interesting...they do it with their seven young children! Many people let their children get in the way of their adventures. Not the Good family! Their family is fully integrated in everything they do! Enjoy the intervie

Mar 30, 2016 • 1:00:54

316-Friday Q&A: Should I Stay At A Job to Get Student Loan Forgiveness, When is the Ideal Age to Buy a Single Premium Immediate Annuity

316-Friday Q&A: Should I Stay At A Job to Get Student Loan Forgiveness, When is the Ideal Age to Buy a Single Premium Immediate Annuity

On Fridays I do a Q&A show for Patrons of Radical Personal Finance. If you'd like me to answer a question for you, go here for information: www.radicalpersonalfinance.com/patron  Today I answer: Should I Stay At A Job to Get Student Loan Forgiveness? When is the Ideal Age to Buy a Single Premium Immediate Annuity? Enjoy! Joshua

Mar 25, 2016 • 46:27

315-Is Mortgage Acceleration (Replacing Your Traditional Mortgage with a HELOC) Really a Good Idea? Interview with Bill Westrom from www.TruthInEquity.com

315-Is Mortgage Acceleration (Replacing Your Traditional Mortgage with a HELOC) Really a Good Idea? Interview with Bill Westrom from www.TruthInEquity.com

On Episode 133 of the show, I had a listener ask me for my opinion regarding the concept of "mortgage acceleration." Basically, it's the idea of taking out a HELOC on your house instead of (or in addition to) a traditionally amortizing mortgage, putting all your income against the HELOC and then paying your bills out of the HELOC. The key idea with this strategy is that the average daily balance of your account is lower, reducing your interest payments. In Episode 133, I was critical of the idea

Mar 24, 2016 • 1:36:24

314-How You Can Get More Money For Early Retirement By Using an IRA or 401(k) Even if You Have to Pay the 10% Penalty!

314-How You Can Get More Money For Early Retirement By Using an IRA or 401(k) Even if You Have to Pay the 10% Penalty!

Have you ever wanted to invest through an IRA or 401(k) for the purpose of early retirement but found yourself stymied by the thought of paying a 10% penalty tax to gain access to your money? Well, on today's show I've got good news! If you invest through an IRA or 401(k) but later take the INCOME from the account to pay for an early retirement, you may still come out ahead of the taxable account, even though you need to pay the additional penalty tax! Check out the show and attachments for deta

Mar 24, 2016 • 49:31

313-unWorking: Exit the Rat Race, Live Like a Millionaire, And Be Happy Now: Interview with Author Clark Vandeventer

313-unWorking: Exit the Rat Race, Live Like a Millionaire, And Be Happy Now: Interview with Author Clark Vandeventer

What would you do if you left your big-shot corporate gig to pursue an entrepreneurial venture which then fell apart? And then you ran for public office? And lost. And then wound up living in your in-law's garage completely flat broke. Would you then go back, admit defeat, and rejoin the corporate grind? Or, would you continue pursuing your dream lifestyle in a systematic way? My guest today went through that exact process of life. And he's systematically worked to build his dream lifestyle with

Mar 23, 2016 • 1:03:41

312-Q&A: What's It Actually Like to Start a Career as a Financial Advisor with a Big Insurance Company? My Own Experiences from the Trenches!

312-Q&A: What's It Actually Like to Start a Career as a Financial Advisor with a Big Insurance Company? My Own Experiences from the Trenches!

Today, I respond in detail to this question from a listener: Hi Joshua, I have been really into personal finance for about 5 years now and am considering becoming a financial advisor, specifically with a large company like you used to work for. I am currently a 31 year old physician making around $150,000. I have spent a long time preparing for my career, but I am always drawn to becoming a financial advisor. The medical field is becoming increasingly draining with charting, liability, decreasi

Mar 22, 2016 • 1:15:52

311-Friday Q&A: Can US Americans Be Transformed Back Into Savers, Should I Pay Off My Mortgage Early, Should I Rent Out My Backyard as a Lot for a Tiny House, the Prospect of Creating Radical Personal Finance in Spanish

311-Friday Q&A: Can US Americans Be Transformed Back Into Savers, Should I Pay Off My Mortgage Early, Should I Rent Out My Backyard as a Lot for a Tiny House, the Prospect of Creating Radical Personal Finance in Spanish

On Fridays, I do a Q&A call-in show which is open to Patrons of the show. Today we cover: Can US Americans Be Transformed Back Into Savers Should I Pay Off My Mortgage Early Should I Rent Out My Backyard as a Lot for a Tiny House The Prospect of Creating Radical Personal Finance in Spanish If you'd like to participate in a Q&A call like this, please become a Patron of the show here: www.radicalpersonalfinance.com/patron

Mar 18, 2016 • 56:41

310-From a Plumber's Assistant in a Rural Farm Town to a Wealthy Businessman: Interview with Warren Prescott, One of My Former Bosses!

310-From a Plumber's Assistant in a Rural Farm Town to a Wealthy Businessman: Interview with Warren Prescott, One of My Former Bosses!

I've been wanting to bring lots more "brick-and-mortar-type" entrepreneurs and success stories on the show. There are tons of incredible people out there that we can learn from. But, I've learned that it's actually tough for me to get them on the show! Generally, people with money who have nothing to sell don't seem to want to talk publicly about what they've learned. But, even though it's tough, I'm still working on it. And today, I get to bring you one of this type of interview. My guest today

Mar 17, 2016 • 53:46

309-Practical and Actionable Advice for How You Should Respond to Doomsday Financial Predictions and Warnings in a Rational and Intelligent Manner

309-Practical and Actionable Advice for How You Should Respond to Doomsday Financial Predictions and Warnings in a Rational and Intelligent Manner

I've featured several doom-and-gloom guests on recent shows. I like to give people an opportunity to make their case to me as convincingly as possible and I always enjoy challenging myself with catastrophic predictions. But I struggle with a lot of the advice from those who predict global chaos in short order. Frankly, much of it is impractical. So, in today's show I tackle the subject the way that I would tackle it if I were asked for my practical advice on the subject. I hope it's useful for y

Mar 16, 2016 • 1:00:00

308-Charitable Giving Strategies to Maximize Your Lifestyle and Your Impact: Interview with Patrick Renn, author of "Finding Your Money's Greater Purpose"

308-Charitable Giving Strategies to Maximize Your Lifestyle and Your Impact: Interview with Patrick Renn, author of "Finding Your Money's Greater Purpose"

I like to share as much "behind the curtains of the financial advice industry" stuff as possible. But I like to do it from a diverse perspective. If you like seeing how good financial planning can dramatically impact a real-life scenario, this is a show for you. My guest is Patrick Renn, a 35-year veteran of the financial planning industry. Patrick runs a wealth management firm in Atlanta, GA and specializes in helping his clients develop well-designed charitable giving programs. If you enjoy se

Mar 15, 2016 • 1:02:45

307-Friday Q&A: Thoughts on Giving Unsolicited Advice, Average Rate of Return vs. Real Rate of Return, Group Life Insurance and Long-Term Disability Insurance Decisions, and More!

307-Friday Q&A: Thoughts on Giving Unsolicited Advice, Average Rate of Return vs. Real Rate of Return, Group Life Insurance and Long-Term Disability Insurance Decisions, and More!

On Fridays I do a Q&A show for Patrons of the show. www.radicalpersonalfinance.com/patron  Today, we cover these topics: Thoughts on Giving Unsolicited Advice Average Rate of Return vs. Real Rate of Return Group Life Insurance and Long-Term Disability Insurance Decisions and More! Enjoy the show! Joshua Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Mar 14, 2016 • 1:07:44

306-Interview with Robert Kiyosaki: the Life, Career, & Predictions of the Man Behind the Best-Selling Personal Finance Book of all Time (Rich Dad, Poor Dad)

306-Interview with Robert Kiyosaki: the Life, Career, & Predictions of the Man Behind the Best-Selling Personal Finance Book of all Time (Rich Dad, Poor Dad)

I recently had the opportunity to interview Robert Kiyosaki, the author of Rich Dad, Poor Dad, which is the top selling personal finance book of all time. The concepts of Rich Dad, Poor Dad are well known in the personal finance circles.  Rather than trying to get Robert to outline the content of his 20 books, I sought to unwrap a little bit of the man behind the story. You can judge how I did! Enjoy the show, Joshua Kiyosaki's website: www.richdad.com  Need a financial advisor? www.radicalpers

Mar 11, 2016 • 1:01:57

305-Mortgage Credit Certificates: The Coolest Mortgage Interest Credit You've Never Heard Of

305-Mortgage Credit Certificates: The Coolest Mortgage Interest Credit You've Never Heard Of

In January 2013, I bought a house, proceeded through the whole process really carefully and thought I'd made some pretty good decisions.  But a couple months after closing, I found out that I'd missed an awesome tax credit and kissed $2,000 a year goodbye. How frustrating! I hate missing out on free money, especially when I can get it out of the coffers of the US Government! So, I want to help you do better. And I want to teach you about the Mortgage Credit Certificate (MCC) program. Enjoy! Josh

Mar 10, 2016 • 36:11

304-Friday Q&A: The Value of Full-Time Mothers and Fathers as Compared to Full-Time Wage Earners

304-Friday Q&A: The Value of Full-Time Mothers and Fathers as Compared to Full-Time Wage Earners

On Fridays, we do a Q&A phone conference here at Radical Personal Finance. Today's call was unusual in that we only had one caller, so we spent a lengthy amount of time discussing one particular issue. Today's caller was responding to a previous podcast about how my wife and I handle our finances, specifically with regard to my role as a husband and her role as a wife. We had an excellent conversation on the role of earning money versus the role of being a parent and how to work that out within

Mar 4, 2016 • 1:01:39

303-Roth IRA vs. Traditional: Which One Pays Less Taxes?

303-Roth IRA vs. Traditional: Which One Pays Less Taxes?

Will you pay less taxes when investing in a Traditional IRA or a Roth IRA? Do you know? Are you sure? If you're not sure, the answer may surprise you. Let me know if you're surprised! Joshua Support Radical Personal Finance: www.radicalpersonalfinance.com/patron

Mar 3, 2016 • 18:32

Announcement re: Email: If You've Ever Emailed Me and Didn't Get a Personal Response, Please Try Again

Announcement re: Email: If You've Ever Emailed Me and Didn't Get a Personal Response, Please Try Again

Hey Radicals! If you have emailed me (especially through the contact form on my website) and I haven't personally responded, please assume that I simply never received your message. I'd love to hear from you, so please write again! From July of 2015 until February of 2016 the contact form had a technical glitch that prevented emails from coming through. That means that I missed hundreds of your communications. I'm sorry! We've fixed the problem now, so please try again. I'd enjoy communicating w

Mar 2, 2016 • 3:42

302-Q&A: I Make $200k/yr. and I'm 30 Years Old and Single. And I'm Miserable. Please Help!

302-Q&A: I Make $200k/yr. and I'm 30 Years Old and Single. And I'm Miserable. Please Help!

Today on the show we answer this question: "Hey Joshua,"I'm a fairly new listener and have been going through some of your older podcasts to absorb as much info as possible. I think you could potentially provide some good advice that I'd love to hear answered in an upcoming podcast if possible..."Since discovering your podcast I've completely changed my thoughts on savings and consumption. I've always lived pretty frugally (I thought) but it turns out I was making poor decisions all along. I bou

Mar 2, 2016 • 54:00

301-Careers, Entrepreneurship, and Raising Entrepreneurial Kids: Interview with Dan Miller from 48 Days to the Work You Love

301-Careers, Entrepreneurship, and Raising Entrepreneurial Kids: Interview with Dan Miller from 48 Days to the Work You Love

I'm up here in Nashville, TN at the moment and had the opportunity to connect with Dan Miller from 48 Days to the Work You Love. Dan is a legend in the career advice business. He has helped many, many people transition from work that paid the bills to work that they love. Dan has a lifetime's experience as an entrepreneur and in today's interview he shares his advice with us on: Should everyone be an entrepreneur? Is entrepreneurship risky? How can we teach our kids to be entrepreneurs? How to

Feb 25, 2016 • 51:04

300-Thirty Podcasting Lessons Learned From 300 Episodes and 2,000,000+ Downloads

300-Thirty Podcasting Lessons Learned From 300 Episodes and 2,000,000+ Downloads

When I began podcasting, I was looking for information and advice. Although I found some good, there was a real paucity of advice from people who had done something like I wanted to do.  I've been satisfied with a lot of the progress that I've made with Radical Personal Finance, and I want to give back to the podcast and community.  So, in today's show we do not discuss personal finance or money at all. Rather, this show is all about podcasting. It's simply contains the lessons I have learned ab

Feb 25, 2016 • 1:35:45

299-The Philosophy of Modern Survivalism and Permaculture as Applied to Financial Planning: Interview with Jack Spirko, Host of The Survival Podcast

299-The Philosophy of Modern Survivalism and Permaculture as Applied to Financial Planning: Interview with Jack Spirko, Host of The Survival Podcast

I've long admired Jack Spirko and his show "The Survival Podcast" as a voice of reason in an industry fueled by hyperbole and fear. He does a great job of teaching people how to systematically build a lifestyle of resilience and freedom. And, most important, he teaches that everything you do to build a prepared life should make your  life better if times get tough...or even if they don't. Enjoy the interview! Joshua The Survival Podcast www.thesurvivalpodcast.com Get an extra $100 bonus when yo

Feb 22, 2016 • 1:29:39

298-Friday Q&A: How to Practice Stealth Wealth, How to Locate Assets in a Tax Efficient Manner, Refinancing a HELOC to an Amortizing Loan, and How My Wife and I Handle Day-to-Day Money

298-Friday Q&A: How to Practice Stealth Wealth, How to Locate Assets in a Tax Efficient Manner, Refinancing a HELOC to an Amortizing Loan, and How My Wife and I Handle Day-to-Day Money

On Fridays I do Q&A. If you'd like to participate in a show like this, please become a Patron of the show and you will gain access to the information to call in for these shows. www.radicalpersonalfinance.com/patron  Today we cover: How to Practice Stealth Wealth How to Locate Assets in a Tax Efficient Manner Refinancing a HELOC to an Amortizing Loan How My Wife and I Handle Day-to-Day Money Enjoy! Joshua NYT article mentioned: http://www.nytimes.com/2016/02/14/fashion/i-now-pronounce-you-hus

Feb 19, 2016 • 59:13

Meet Up With Me in Nashville, TN Next Week 2-22 to 2-25.mp3

Meet Up With Me in Nashville, TN Next Week 2-22 to 2-25.mp3

I will be in Nashville, TN next week for a conference. If you're in the area, I would love to meet up with you. Please reach out to me on Twitter and let me know that you'd like to connect. www.twitter.com/joshuasheats

Feb 19, 2016 • 0:00

297-From Writing About Personal Finance To Becoming Financially Independent: Lessons Learned with Jim Wang, Founder of Bargaineering and Wallet Hacks

297-From Writing About Personal Finance To Becoming Financially Independent: Lessons Learned with Jim Wang, Founder of Bargaineering and Wallet Hacks

Can a hobby of writing about personal finance lead to becoming financially independent in a very short time? It did for Jim Wang, my guest on today's show. Jim founded the site Bargaineering as a part-time hobby. It quickly became a leading voice in the world of personal finance websites.  Ultimately, it led to Jim's becoming financially independent in a shockingly short amount of time. In today's interview, we seek to go behind the story a bit. To learn about the personal story and lessons lear

Feb 19, 2016 • 1:08:31

296-The Collapse of MF Global, Breakdown of Trust in the Financial Systems, the Prospect of Global War, and What It's Like to Be a Tax Protester on the Lam: Interview with Ann Barnhardt

296-The Collapse of MF Global, Breakdown of Trust in the Financial Systems, the Prospect of Global War, and What It's Like to Be a Tax Protester on the Lam: Interview with Ann Barnhardt

My guest today is Ann Barnhardt. I first became aware of Ann in late 2011 after she published a letter detailing the closure of her firm, Barnhardt Capital Management. At the time, this letter troubled me. Many people make strong statements and publish strongly worded essays. But when someone follows through on their word to the point of closing a functioning firm, I pay attention. I never could quite wrap my head around what happened at MF Global in 2011. Frankly, I still can't. But I thought i

Feb 18, 2016 • 1:32:06

295-You Don't Know What to Do Simply Because You Don't Yet Know What You Want

295-You Don't Know What to Do Simply Because You Don't Yet Know What You Want

Over the weekend, I was reading the book "unWorking: Exit the Rat Race, Live Like a Millionaire, And Be Happy Now" by Clark Vandeventer while sitting in a tire repair shop, waiting for my tire to be patched. When I came to this page, I stopped. And then I had an epiphany. When you're very, very clear on what you want, it's simple and easy to decide what to do. But when you don't know what you want, it's almost impossible to decide what to do. So, do you know what you want? Enjoy the show! Joshua

Feb 15, 2016 • 21:51

294-Friday Q&A: Liability Insurance, Life Insurance for a Stay-At-Home Mom, Real Estate Financing and Entities, And More!

294-Friday Q&A: Liability Insurance, Life Insurance for a Stay-At-Home Mom, Real Estate Financing and Entities, And More!

Friday Q&A show today! Is an umbrella liability insurance policy a good idea? Should I buy life insurance for my stay-at-home wife at my job? How do I finance real estate? What type of entity should I choose for real estate investment? Enjoy! Joshua www.radicalpersonalfinance.com/ynab www.radicalpersonalfinance.com/patron

Feb 15, 2016 • 1:09:16

292-Personal Branding and Marketing, Entrepreneurship, and Lifestyle Design as CEO of a Company: Interview with David Hancock, CEO of Morgan James Publishing

292-Personal Branding and Marketing, Entrepreneurship, and Lifestyle Design as CEO of a Company: Interview with David Hancock, CEO of Morgan James Publishing

I'm delighted to have David Hancock on today's show. David is the founder and CEO of Morgan James Publishing. David has a fascinating business history and you'll benefit greatly from hearing his story. He's also an expert at personal branding and marketing. Most importantly, he's figured out how to make an excellent living on his own terms while doing work he loves! Enjoy! Joshua www.morgan-james-publishing.com  Get a $100 bonus when you open an account at www.tradeking.com/radical Check out th

Feb 10, 2016 • 49:48

291-Friday Q&A: Real Estate, How Much Money is Too Much in Qualified Accounts, Bank on Yourself and Infinite Banking, Stocks vs Bonds

291-Friday Q&A: Real Estate, How Much Money is Too Much in Qualified Accounts, Bank on Yourself and Infinite Banking, Stocks vs Bonds

I've decided to start doing regular live call-in shows as part of our Friday Q&A. Today we cover these questions: How much leverage/risk is appropriate when building a real estate portfolio? How much money is too much to have inside a qualified account? How do you get money out of a qualified account for early retirement? Is Bank on Yourself life insurance a good idea? What's the right asset allocation between stocks/bonds? Enjoy! Joshua If you have student loans, make sure to get a review of

Feb 5, 2016 • 1:06:26

290-Stop Chasing Influencers: The True Path To Building Your Business and Living Your Dream: Interview with Co-Author Kimanzi Constable

290-Stop Chasing Influencers: The True Path To Building Your Business and Living Your Dream: Interview with Co-Author Kimanzi Constable

Do you have some excuses as to why you can't be successful? Well, get ready to get your excuses kicked in. My guest today is Kimanzi Constable. He started his career as a bread delivery driver and hustled his way into becoming a highly paid, internationally-recognized author, speaker, and coach. Along the way, he lost 170 pounds, paid off $180,000 in debt, and learned a thing or two about business. Enjoy the show! Joshua Stop Chasing Influencers: The True Path To Building Your Business and Livi

Feb 4, 2016 • 48:53

289-The Impact of Your Behavior on Your Financial Results: Interview with Carl Richards, author of The Behavior Gap and The One Page Financial Plan

289-The Impact of Your Behavior on Your Financial Results: Interview with Carl Richards, author of The Behavior Gap and The One Page Financial Plan

What makes a bigger difference on your financial outcome: the behavior of your investments or the behavior of you, the investor? Today I have an awesome interview for you with Carl Richards, author of "The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money" and "The One-Page Financial Plan: A Simple Way to Be Smart About Your Money." Both books are well worth your time. In addition to being a financial advisor, Carl is the awesome dude behind the Sketch Guy column in the New York Tim

Feb 3, 2016 • 1:08:15

288-A Perfect Buy vs. Rent Case Study and Analysis

288-A Perfect Buy vs. Rent Case Study and Analysis

This weekend a friend of mine asked me for my input on whether they should continue renting their townhome or buy an equivalent unit.  It's almost the perfect, real-life case study to consider: practically identical units current market prices real numbers to analyze. I seized the opportunity to talk it through and run the numbers. Enjoy! Joshua www.studentloanshow.com/radical www.tradeking.com/radical https://onlineinvestingconference.com/online-investing-conference-content8292jpjv?affiliate

Feb 2, 2016 • 35:46

287-Drive for Free by Fueling Your Car with Wood: Interview with Chris Saenz and Wayne Keith from DriveOnWood.com

287-Drive for Free by Fueling Your Car with Wood: Interview with Chris Saenz and Wayne Keith from DriveOnWood.com

Low gas prices have you cheering? Good! But what about when they go back up? Do you have a plan for that? How cool would it be if you could use a fuel other than gasoline in your car? You can! You can run it on wood. My guests today are experts on exactly that. Chris Saenz and Wayne Keith run the website www.DriveOnWood.com Wayne holds a number of world records of driving entirely on woodgas including fastest speed, longest distance, etc.   Enjoy learning how to drive for free! Joshua Chris and

Jan 28, 2016 • 35:19

286-My Review of the "Building Wealth One House at a Time" Seminar by John Schaub

286-My Review of the "Building Wealth One House at a Time" Seminar by John Schaub

I had the opportunity to attend John Schaub's "Building Wealth One House At a Time" seminar in Sarasota, FL on January 16 & 17, 2016. I've been a fan of Schaub's work for quite a while. After reading his books and many others, I decided that his approach and plan is the approach to real estate that's right for me. So I went to the seminar. I was extremely impressed with the seminar. It was exactly what I hoped it would be.  In the show today I share with you: the fundamentals of John's approach

Jan 28, 2016 • 48:27

285-What Does Financial Fraud Smell Like?

285-What Does Financial Fraud Smell Like?

When I was younger I was easily duped by the financial fraudsters that seek to build their empires by deceiving people. Thankfully, I never had any major financial losses, but I was definitely hurt when I discovered how gullible I was. Since then, I've developed some slightly better skills for sniffing out fraud and questionable advice. And in today's show, I share some of my tips with you. I hope that together we can continue to develop our own skills of critical thinking and spread those skill

Jan 26, 2016 • 55:00

284-Job Free: Four Ways to Quit the Rat Race and Achieve Financial Freedom on Your Terms-Interview with Jake DeSyllas

284-Job Free: Four Ways to Quit the Rat Race and Achieve Financial Freedom on Your Terms-Interview with Jake DeSyllas

Most of us in the Radical Personal Finance community are pursuing our own financial independence. And most of us want to get there as quickly as possible! But, most of us only have one idea of one way to get there. Did you know there are a bunch of different ways to go job-free and gain financial freedom! I'm excited to bring you my interview with Jake Desyllas, author of "Job Free: Four Ways to Quit the Rat Race and Achieve Financial Freedom on Your Terms." If you have any interest in ever bein

Jan 25, 2016 • 1:12:18

283-Nine Benefits of Having a Job!

283-Nine Benefits of Having a Job!

I talk a lot about business, entrepreneurship, and freedom on Radical Personal Finance. But I probably give short shrift to the incredible benefits of having a job! Our jobs usually provide the foundation we need to support our families, satisfy our responsibilities and obligations, and save the money we need to invest! Today, I share with you 9 benefits I came up with for having a job!  Enjoy! Joshua Scratch Beginnings: Me, $25, and the Search for the American Dream Build a business based on y

Jan 22, 2016 • 36:36

282-How to Effectively Handle Money Together as Husband and Wife: Interview with Talaat and Tai from His and Her Money

282-How to Effectively Handle Money Together as Husband and Wife: Interview with Talaat and Tai from His and Her Money

Managing money by yourself can be a real challenge. But managing money with your spouse can feel so much harder! But does it have to be that way? Today I have Talaat and Tai from www.HisAndHerMoney.com on the show to discuss the topic with me. They have some deep experience and insight to share with us. Enjoy the show! Joshua Talaat and Tai's website: www.HisAndHerMoney.com Join their www.SmartMoneyCouples.com community! Get clear on your goals by meeting with a financial advisor! www.radicalpe

Jan 19, 2016 • 43:37

281-Why I've Chosen to Invest in Real Estate

281-Why I've Chosen to Invest in Real Estate

There are three things we control with regard to wealth building: how much we make, how much we spend, and the rate of return we earn on our investments. Those are the only three things you can change and affect. And they're the three things that will make the difference in how wealthy you become. My personal investment strategy has changed and developed over the years. But, going forward, I've decided to invest in real estate. In today's show I share with you some of the back story and some of

Jan 18, 2016 • 1:04:44

280-Making the Transition to Retirement: Interview with Fritz Gilbert from The Retirement Manifesto

280-Making the Transition to Retirement: Interview with Fritz Gilbert from The Retirement Manifesto

Tonight I'm pleased to bring you an interview with Fritz Gilbert from the website: www.TheRetirementManifesto.com.  Fritz is an awesome guy who is just a couple of years away from an early retirement! He's here today to share with us his wisdom and perspective on making a successful transition to retirement. Enjoy the show! Joshua Refinance your student loans and get a $200 bonus! www.radicalpersonalfinance.com/sofi  Make this the year you write your book! Contact publishing coach Patrick Snow

Jan 15, 2016 • 1:05:18

279-Get Paid To Adventure Travel the World With Your Family and Still Save a Ton of Money! Interview with Sara Miner

279-Get Paid To Adventure Travel the World With Your Family and Still Save a Ton of Money! Interview with Sara Miner

Many people dream of saving enough money to travel the world. But what if there were a way to get paid to travel the world? There is. It's not a pipe dream.  In fact, there's not just one way. There are many, many ways! In today's show we speak with Sara Miner. Sara is a longtime listener and supporter of the show and she and her husband get paid handsomely to do work they care about in adventurous locations around the world. I invited her on to the show to share her story and advice. Enjoy the

Jan 13, 2016 • 46:37

278-What Do You Do When You're Trapped in an Upside Down Car Loan?

278-What Do You Do When You're Trapped in an Upside Down Car Loan?

Today, we cover this question from a listener: Joshua, I know you get a lot of questions, but I was wondering if you have a radical way to get out of an upside down car loan. I do financial coaching for people in our church who have requested benevolence, and most of them have large car payments - e.g. Someone owes $25,000 on a car worth $15,000. I cannot find a solution that is good (and maybe there is none). Dave Ramsey says borrow the difference so you have a smaller loan, but by the time

Jan 12, 2016 • 29:38

277-Early Retirement FAQs: How Do I Plan For Inflation? Interview with Joe, AKA. Arebelspy (who just retired at 30 on a schoolteacher's salary)

277-Early Retirement FAQs: How Do I Plan For Inflation? Interview with Joe, AKA. Arebelspy (who just retired at 30 on a schoolteacher's salary)

Today we continue with our "Early Retirement FAQ" series with Arebelspy by tackling the topic of inflation! How do you manage inflation risk in retirement? And, even more important, how do you manage inflation risk in very early retirement? This topic is especially important to Arebelspy because he and his wife just retired at the age of 30 and are now traveling the world together! (Even cooler, they did it while earning schoolteacher salaries!!!) Enjoy! Joshua Save money on your debt payments

Jan 8, 2016 • 1:33:02

276-Why This Financial Planner Refuses to Save Money for His Kids' College

276-Why This Financial Planner Refuses to Save Money for His Kids' College

Recently I received this personal note from a personal friend of mine: "My wife suggested I reach out to you for advice as we plan to start saving for our soon-to-be-born-son's education.  Hard to believe it's going to be just a few weeks now.  I've looked into our state's 529 plan, but wasn't sure if there were better options.  Any advice would be greatly appreciated."  My advice in response was simple: don't set up a college plan for your young child. It's a bad idea and a poor use of money in

Jan 7, 2016 • 1:02:09

275-Selecting a Brokerage Company for Your Stock Ownership & Trading: Intro to Our New Sponsor TradeKing

275-Selecting a Brokerage Company for Your Stock Ownership & Trading: Intro to Our New Sponsor TradeKing

I'm excited to launch a brand-new sponsor here in the new year! Our new sponsor is TradeKing. You should be familiar with the TradeKing name--I previously interviewed the CEO, Don Montanaro, on Episode 240 of the show. I sat down with Don in his Ft. Lauderdale office and we talked about the brokerage business and business model. We discussed:  TradeKing's history The competitive landscape of the brokerage business The value proposition for brokers If you'd like to open a trading account with T

Jan 5, 2016 • 0:00

274-You Can Become and Stay Wealthy If You Focus On Systematically Developing and Perfecting the Simple Skills of Wealth

274-You Can Become and Stay Wealthy If You Focus On Systematically Developing and Perfecting the Simple Skills of Wealth

One of my major breakthrough moments in life occurred when I learned that success skills were simply that: skills. The same applies to wealth. Success and wealth are not accidents. People are not wealthy by chance, happenstance, or accident. People become wealthy because: 1. They unconsciously learned the knowledge and applied the skills of wealth; or,2. They self-consciously learned the knowledge and applied the skills of wealth. For me, that concept was incredibly helpful. As we begin a new ye

Jan 4, 2016 • 0:00

A Brief Christmas Card from Me to You

A Brief Christmas Card from Me to You

Hey Radicals, I'm in the process of shutting the show down for 2015 and heading off for the holidays. Before I go, I simply want to share a personal greeting with you and a few quick, encouraging thoughts. Listen to the episode! Merry Christmas to you and yours. May you and your family be richly blessed this holiday season and may 2016 be your best year ever! Love, Joshua

Dec 18, 2015 • 17:33

273-Three Budgets You Should Establish for 2016: Time, Money, and Food

273-Three Budgets You Should Establish for 2016: Time, Money, and Food

The skill of budgeting is one of the major skills that drives the level of success you achieve in life. But it's a skill that's not only applicable to money but also to other areas of life. In today's show I share with you my ideas on budgeting: How budgeting is applicable to many areas of life, not only money. The three major stages of budgeting. Big ideas on concepts that are applicable to all kinds of budgeting. Three types of budgeting tools. Enjoy the show! Joshua Do you have student loa

Dec 17, 2015 • 1:05:27

272-A Proven Strategy to Increase Your Income in the Next Year

272-A Proven Strategy to Increase Your Income in the Next Year

I was honored with a very cool mention in a New York Times article yesterday (link below) and I thought it a perfect time to build on the subject of how to increase your income! In today's show, I share with you my complete framework for increasing your income. The show is heavy on strategy--you'll have to fill in the specific tactics appropriate for your situation. We cover: The only 3 ways to increase your income. Which to focus on in the short-term and which to focus on for the long-term. Sp

Dec 15, 2015 • 52:04

271-Achieving Financial Independence at a Crazy Young Age! Interview with Mike and Lauren from www.MikeAndLauren.com

271-Achieving Financial Independence at a Crazy Young Age! Interview with Mike and Lauren from www.MikeAndLauren.com

I enjoy YouTube. But it's tough to find a good personal finance YouTube channel! Thankfully, there's at least one! My guests today are Mike and Lauren. They are awesome personal finance and early retirement YouTube personalities. We were able to connect for an interview at #FinCon15 so that I could bring you their story. Why should you listen? Well, perhaps you'd like to know how they're on track to retire by the age of 30 even though they never made a ton of money or sold a business. It's all h

Dec 11, 2015 • 1:00:09

270-Myths & Facts: 9 Things I Used to Believe (and Teach) About Home Ownership That I No Longer Believe

270-Myths & Facts: 9 Things I Used to Believe (and Teach) About Home Ownership That I No Longer Believe

Following up on yesterday's show, I share with you today 9 myths surrounding the topic of home ownership. These are things that I used to believe and I learned (through the process of owning my own home) that I was wrong. Learn from my mistakes and consider how many of the things we commonly believe about home ownership might not be quite so true as we wish! Enjoy! Joshua Do you have student loans? I strongly recommend you sit down for a consultation with Jay Fleischman, host of the Student Loa

Dec 9, 2015 • 1:03:27

269-Why We Sold Our House and Moved Into a Rental Apartment!

269-Why We Sold Our House and Moved Into a Rental Apartment!

This past Friday we closed on the sale of our house. We owned it for just under three years. When we bought it we had intended to own it for 40 years. Why did we sell? The full story is here in this episode of the show! Check it out and learn from our successes and our failures! Joshua Are you interested in working with a financial advisor? Start your search here! www.radicalpersonalfinance.com/paladin Get a budgeting plan in place before 2016 arrives! Download a free copy of YNAB: www.radicalp

Dec 9, 2015 • 1:04:12

268-Training Your Kids for Financial Responsibility: Interview with Rocky Lalvani from Richer Soul

268-Training Your Kids for Financial Responsibility: Interview with Rocky Lalvani from Richer Soul

Many of us have made mistakes on our way to financial stability. Hopefully we've learned from those mistakes--but wouldn't it be fantastic if we could help the next generation to avoid some of those mistakes? My guest today is Rocky Lalvani. He's a long-time listener of the show, contributor, and Patron. We connected in-person at #FinCon15 and sat down for this interview! Rocky has an awesome immigrant rags-to-riches story that you'll enjoy. He also has a depth of experience in training his chil

Dec 4, 2015 • 1:04:40

267-Automate your Spreadsheets and Simplify Your Accounting with Tiller: Interview with Peter Polson

267-Automate your Spreadsheets and Simplify Your Accounting with Tiller: Interview with Peter Polson

While I was in Charlotte for #FinCon15, I connected briefly with a man named Peter Polson who told me about a new tool he had built to automate the creation of financial spreadsheets. After I got home I signed up for his service and started testing it. I like it! And I think some of you will find it very useful. The Tiller service is a way to automate the import of financial data to your spreadsheets. This eliminates the most time-consuming part of creating spreadsheets and opens up a world of p

Dec 2, 2015 • 58:10

266-Financial Independence in Your 20s Without Missing a Party! Interview with Martin Dasko from Studenomics

266-Financial Independence in Your 20s Without Missing a Party! Interview with Martin Dasko from Studenomics

Does being frugal and building financial independence mean that you can't have any fun? And, is it possible to get through college on a budget and still have fun? Today we have a fun discussion with Martin Dasko from the personal finance blog Studenomics. Martin has an awesome approach to teaching young men and women how to build financial independence without missing a party! Enjoy! Joshua Martin's site: http://studenomics.com/ Need a financial advisor? Start here: www.radicalpersonalfinance.c

Nov 25, 2015 • 43:54

265-Why Passive Investing and Index Funds are the Only Right Way to Invest: Interview with Rick Ferri from Portfolio Solutions

265-Why Passive Investing and Index Funds are the Only Right Way to Invest: Interview with Rick Ferri from Portfolio Solutions

It's easy to jump into holiday mode, but don't jump just yet! Let's keep our work boots on and learn just a little bit about investing today before we get into the Thanksgiving holiday. My guest today is Rick Ferri, founder of a company called Portfolio Solutions. Rick is a really great guy and a real expert at investing and portfolio construction. You'll hear his detailed background in the show and I think you'll come away from today's episode with a deeper sense of respect for what he's doing.

Nov 24, 2015 • 55:26

264-How to Cut the Interest Rates on Your Student Loans by Refinancing with Sofi: Interview with Dan Macklin, Co-Founder of Sofi

264-How to Cut the Interest Rates on Your Student Loans by Refinancing with Sofi: Interview with Dan Macklin, Co-Founder of Sofi

Today on Radical Personal Finance I'm pleased to introduce you to a brand-new sponsor! And, it's a sponsor who will help you save some cash! I've been aware of SoFi for quite awhile and they were high on my list of brainstormed potential sponsors for the show. I was finally able to connect with them at #FinCon15 in Charlotte this year and to hammer out the terms of a sponsorship agreement. SoFi is a very cool new company that is bringing real innovation to the lending space. They got their start

Nov 24, 2015 • 47:51

263-Q&A: Recording of the Live Patron Q&A Conference Call

263-Q&A: Recording of the Live Patron Q&A Conference Call

During October and November I've been doing a weekly conference call with Patrons of the show.  We've been talking about all kinds of interesting subjects! On today's call we chatted about: disability insurance (including disability overhead expense insurance and cash indemnity long-term care policies) investment planning the politics of money and more! Enjoy! Joshua Have student loans? Before you do anything else with your loans, sit down for a review with Jay Fleischman. www.studentloanshow

Nov 21, 2015 • 1:01:49

262-How Risky is Your Income? Applying the Concepts of Diversification to Wages and Profits

262-How Risky is Your Income? Applying the Concepts of Diversification to Wages and Profits

We talk a lot about diversification within the context of investments. But what about diversification of your income? After all, how risky is it for you to depend on a single source of income to fund your life and lifestyle? The paradox is this: the more specialized you become in your career, the more you can earn. But the more specialized you are, the riskier your income is! The challenge is for us to figure out how to reconcile these two things. Today, I share my thoughts on the subject with y

Nov 19, 2015 • 40:06

261-Getting Rich with Real Estate...and Then Getting Richer With Business! Interview with Josh Dorkin, Founder of Bigger Pockets

261-Getting Rich with Real Estate...and Then Getting Richer With Business! Interview with Josh Dorkin, Founder of Bigger Pockets

BiggerPockets.com is the largest real estate resource online--perhaps in the world. Today we have Josh Dorkin, the founder of Bigger Pockets, on the show to share the story with us. The story is a classic case of an entrepreneurial endeavor gone well.  Sit back, pay attention, and learn the lessons and themes of how one person went from struggling real estate investor to become king of a real estate empire. Enjoy! Joshua Bigger Pockets: www.biggerpockets.com Do you have student loans? Connect w

Nov 17, 2015 • 1:03:20

260-An Introduction to Trusts in the Context of Estate Planning

260-An Introduction to Trusts in the Context of Estate Planning

The word "trust" has a bit of a mystique in the modern financial world. It's a word that everyone knows (we all know a "trust fund kid") but few people understand and even fewer understand accurately. Trusts are both simple and complex. They're simple in concept but can be quite complex in application. Today I share with you some basic background on trusts and trust planning.  I also share with you some thoughts regarding the use of a revocable living trust within the context of your personal es

Nov 16, 2015 • 40:09

259-What's It Like To Actually Hit Financial Independence at a Shockingly Young Age? Interview with Brandon (the Mad Fientist) and Jill

259-What's It Like To Actually Hit Financial Independence at a Shockingly Young Age? Interview with Brandon (the Mad Fientist) and Jill

Wouldn't it be cool if you could work really hard for a few years, save aggressively, and then quit your job and travel the world? Today's guest has done just that. Today I have Brandon, the Mad Fientist, and his wife Jill on the show! Brandon recently hit his Financial Independence number and he and Jill hit the road for some long-term travel. Enjoy this interview where we dig into what's great about financial independence and what ain't so great. Enjoy! Joshua Brandon's website: http://www.ma

Nov 13, 2015 • 58:17

258-Do You Have Student Loans? Here's What You Need to Do! Interview with Attorney Jay Fleischman, Host of the Student Loan Show

258-Do You Have Student Loans? Here's What You Need to Do! Interview with Attorney Jay Fleischman, Host of the Student Loan Show

I'm thrilled to bring Jay Fleischman back on the show. Jay was a guest on Episode 214 of the show and it was a popular show and I received a lot of great feedback. Most importantly, I learned a ton from the interview! Today, Jay and I tackle the actual process of analysis. If you have student loans, Jay gives you the step-by-step action plan for what you need to do in order to analyze your options. We're also launching Jay as the newest sponsor of Radical Personal Finance. He's a perfect fit for

Nov 10, 2015 • 1:15:47

257-The Four Major Estate Planning Documents that Everybody Needs: a Will, a Living Will, a Medical Power of Attorney, and a Durable Power of Attorney

257-The Four Major Estate Planning Documents that Everybody Needs: a Will, a Living Will, a Medical Power of Attorney, and a Durable Power of Attorney

Ever wondered about the basics of estate planning? Today's show is a simple overview of the major estate planning documents. We talk about wills, living wills, and powers of attorney and discuss what they mean and why they're important. This is not a technical deep-dive; this is a light and friendly overview. Enjoy the show! Joshua Do you have a question you'd like me to answer about estate planning? Ask me here! http://rpf.link/1RBBZIW Support Radical Personal Finance on Patreon! http://www.ra

Nov 6, 2015 • 33:58

256-Escaping a Lifestyle of Drudgery for a Lifestyle of Freedom as an Itinerant Writer: Interview with Jeff Goins, Writer

256-Escaping a Lifestyle of Drudgery for a Lifestyle of Freedom as an Itinerant Writer: Interview with Jeff Goins, Writer

Many of us are focused on the primary goal of transitioning from work that doesn't suit us to work that does. After all, if we can solve the work conundrum, our lifestyle can be massively improved even if we're not yet rich! My guest today is Jeff Goins and he has blazed the trail ahead of us and has successfully made the transition to a career he loves. Even better, he's written a book on how you can do the same thing! Enjoy the interview and the learning! Joshua Jeff's site: www.GoinsWriter.c

Nov 5, 2015 • 52:34

255-How To Decide if You Should Repair Your Car or Replace It

255-How To Decide if You Should Repair Your Car or Replace It

It happens to so many people: your car breaks down at an inconvenient time and you're facing a massive repair bill. The stress starts to mount and you find yourself wondering--should I just go out and buy a new one? Or, sometimes worse, you feel like every other week you're flushing money down the drain to fix your car and you're getting tired of it. Feeling totally frustrated, you're tempted to trot out and assuage the headache with a new car. Should you do it? How should you try to assess your

Nov 4, 2015 • 38:55

254-Get Rich Slowly and then Get Rich Fast: Interview with JD Roth, the Godfather of Financial Blogging

254-Get Rich Slowly and then Get Rich Fast: Interview with JD Roth, the Godfather of Financial Blogging

I had the opportunity to connect with JD Roth, one of the most well-known personal finance bloggers in the industry while I was in Charlotte, NC at #FinCon15. We had a great interview.  We talked in detail about JD's personal story with finance and how he set out to Get Rich Slowly--and wound up getting rich fast. We also talk about the great things and not-so-great things that resulted from the journey! Enjoy the interview! Joshua JD's current project: www.MoneyBoss.com You Need a Budget! Try

Nov 2, 2015 • 1:16:08

253-Q&A: Recording of the Live Patron Q&A Conference Call

253-Q&A: Recording of the Live Patron Q&A Conference Call

Today I'm sharing with you the audio from the live conference call I recently hosted for all the Patrons of Radical Personal Finance.  This was a super-fun experience for me! Having the live interaction was fun. Topics included: social capital entrepreneurship long-term care insurance investing career development and more! Enjoy! Joshua Sponsor: Interested in publishing a book? Call my publishing coach, Patrick Snow, the Publishing Doctor! Start at http://thepublishingdoctor.com and then text

Oct 27, 2015 • 1:53:15

Out & About: "Radical Thoughts on Life Insurance" (Joshua's Appearance on Martinis and Your Money with Shannon McLay)

Out & About: "Radical Thoughts on Life Insurance" (Joshua's Appearance on Martinis and Your Money with Shannon McLay)

Shannon McLay from the "Martinis and Your Money" podcast invited me on her show last month to talk about life insurance as part of "Life Insurance Awareness" month. Enjoy this interview with me where I share all of my advice and thoughts about how to approach the life insurance situation. The original interview with Shannon appears on her site here: http://financially-blonde.com/radical-thoughts-on-life-insurance/ Joshua

Oct 26, 2015 • 1:21:29

252-Market Yourself with the World's Greatest Marketing Tool: Your Own Book! An Interview with Patrick Snow, the Publishing Doctor

252-Market Yourself with the World's Greatest Marketing Tool: Your Own Book! An Interview with Patrick Snow, the Publishing Doctor

Have you ever thought about writing a book? If you have, you're part of the 80% of Americans that dream of doing just that! But how do you go about it? And, perhaps more importantly, why should you consider it? Today I present to you an interview with my personal publishing coach, Patrick Snow. Patrick is an international best-selling author, professional speaker, publishing, speaking, and book marketing coach. He's already been tremendously helpful to me as I work on my first book and I look fo

Oct 22, 2015 • 1:03:43

251: Annuities: An Intoduction to the Types and Uses of Annuities

251: Annuities: An Intoduction to the Types and Uses of Annuities

Let's put our work boots on today and dig into some of the science of financial planning. We've been doing a lot of fluffy, motivational-type stuff on Radical Personal Finance recently. That stuff is really valuable but it needs to be tempered with some serious knowledge. Today, let's talk about annuities. Annuities get a bad rap in the financial marketplace. And rightly so. They've been shamefully misrepresented, oversold, and abused by many insurance agents. But do they have a place? Can they

Oct 20, 2015 • 1:21:18

250-How the Wisdom of Chess Can Make You a Grandmaster of Investing: Interview with Douglas Goldstein, author of Rich as a King

250-How the Wisdom of Chess Can Make You a Grandmaster of Investing: Interview with Douglas Goldstein, author of Rich as a King

We've generally been trained how to think about finance by the financial services industry. Their plan for your finances? Well, each step involves a financial product of some sort or another. But what if we think a little more strategically? Could we get better results? I think so. After speaking with today's guest, Doug Goldstein, I think that the metaphor of chess is a good way to train our thinking. Doug is the co-author of a book titled: Rich as a King: How the Wisdom of Chess Can Make You a

Oct 19, 2015 • 1:31:25

249-How Dual-Income, High-Earning Couples can Lower Their Income Taxes

249-How Dual-Income, High-Earning Couples can Lower Their Income Taxes

One of the benefits that $200/mo. Patrons of Radical Personal Finance get is being able to choose a topic of the show. Here's the note that prompted today's episode: Joshua, Double income medium- to high-earning couples frequently ask me how to lower their taxes (the second income is at a higher rate of >28%, plus state 3.75% and social security 7.65 or 40% all in). I don't have a lot to tell them:-calculate whether it's worth it for second spouse to work ('Money or Your Life' style-after tax/ch

Oct 14, 2015 • 1:06:48

248-One Great Way to Start Your Search For a Financial Advisor: Interview with Jack Waymire, Founder of the Paladin Registry

248-One Great Way to Start Your Search For a Financial Advisor: Interview with Jack Waymire, Founder of the Paladin Registry

The most challenging question that I get asked on Radical Personal Finance is this: "Joshua, how do I find a great financial advisor?"  It's hard because there are great advisors at most (all?) firms and there are terrible advisors at most (all?) firms. More importantly, there are different advisors for different stages of life and different levels of need. Unfortunately, all these get lumped together under the term "financial advisor," which is, itself, a non-specific and mostly useless term wh

Oct 6, 2015 • 1:18:07

247-Friday Q&A: Online Savings Accounts, Commission-Free Life Insurance, Why Don't I Have a CIMA Designation, Would I Do A Daily Podcast Again, Should I Max My 403(b) or Save for a Down Payment,  529 Plan for Myself, and Thoughts on Leveraged Index Funds

247-Friday Q&A: Online Savings Accounts, Commission-Free Life Insurance, Why Don't I Have a CIMA Designation, Would I Do A Daily Podcast Again, Should I Max My 403(b) or Save for a Down Payment, 529 Plan for Myself, and Thoughts on Leveraged Index Funds

After a way-too-long hiatus, Friday Q&A is back! On today's show, we cover: Online Savings Accounts Commission-Free Life Insurance Why Don't I Have a CIMA Designation Would I Do A Daily Podcast Again Should I Max My 403(b) or Save for a Down Payment 529 Plan for Myself, and Thoughts on Leveraged Index Funds Enjoy! Joshua If you don't already use the YNAB budgeting software, download a 30-day free trial and try it! I think you'll love it. http://radicalpersonalfinance.com/YNAB If you're not li

Oct 2, 2015 • 51:00

246-You Need a Budget and Here's the Best Way for You to Make One! Interview with Jesse Mecham, Founder of YNAB

246-You Need a Budget and Here's the Best Way for You to Make One! Interview with Jesse Mecham, Founder of YNAB

Sometimes you discover something that's been out there for years and you want to smack yourself in the head for not tuning in to it sooner. That's how I feel when it comes to YNAB. (For the uninitiated YNAB stands for You Need A Budget.)I used YNAB years ago and my response at that time was, "ho-hum." I then proceeded to ignore it for the next 6 years to my own detriment. Bummer. I wish I'd paid more attention! I was reintroduced to YNAB by my own listeners (the full story is in this episode) an

Oct 2, 2015 • 58:27

245-Achieving Financial Freedom With Hard Work and a Good Plan! Interview with Scott Alan Turner, a Financial Rock Star

245-Achieving Financial Freedom With Hard Work and a Good Plan! Interview with Scott Alan Turner, a Financial Rock Star

I love to talk with people who have achieved financial independence. But I especially love to talk to those financially independent people who have achieved it in a very accessible way! Frankly, it's hard to relate to a tech titan who sells their latest greatest app company for a billion dollars. But I can relate to someone who has simply worked hard, saved aggressively, invested conservatively, built an entrepreneurial side hustle and achieved their results over time! My guest today is Scott Al

Sep 25, 2015 • 27:15

244-Vending Machines as a Path to Wealth and Passive Income: Interview with Matt Miller from School Spirit Vending

244-Vending Machines as a Path to Wealth and Passive Income: Interview with Matt Miller from School Spirit Vending

When I was younger my brothers and I spent lots of time talking about how to make our millions of dollars with passive income. Two businesses seem to be prominent when you go down that line of thinking as a young person: car washes and vending machines. We didn't pursue either of those businesses. But much later I did wind up working with some clients who had a vending business. And I was intrigued by their business. My guest today is a vending expert. Matt Miller started his vending business th

Sep 24, 2015 • 55:30

243-Mastering the Art of Charm so You Can Navigate More Easily Through Life: Interview with Jordan Harbinger, Co-Founder of The Art of Charm

243-Mastering the Art of Charm so You Can Navigate More Easily Through Life: Interview with Jordan Harbinger, Co-Founder of The Art of Charm

Interpersonal skills of relationship are a huge deal and your mastery of them will massively impact your level of success in life. All else being equal, people would rather do business with people they know, like, and trust. All else NOT being equal, people would STILL rather do business with people they know, like, and trust! So, this is an area that we should give attention to. My guest today has devoted years to studying, mastering, and teaching interpersonal skills. Jordan Harbinger is the c

Sep 23, 2015 • 48:25

242-One Bed, One Bank Account: Interview with Derek Olsen from Better Conversations on Money and Marriage with Derek & Carrie Olsen

242-One Bed, One Bank Account: Interview with Derek Olsen from Better Conversations on Money and Marriage with Derek & Carrie Olsen

Money in marriage is an extremely challenging area of life. Researchers often say that money fights and money problems is the number one cause of marital stress. My guest today is Derek Olsen. He and his wife Carrie have written a book called "One Bed, One Bank Account: Better Conversations on Marriage and Money." I was able to catch up with him at Podcast Movement 2015 where we dug into the major questions of how to handle money together. Make sure to stay tuned at the end of the episode. There

Sep 22, 2015 • 1:10:45

241-Setting and Achieving Financial Goals: Interview with Casey Lewis

241-Setting and Achieving Financial Goals: Interview with Casey Lewis

I had the opportunity to sit down with Casey Lewis while I was in Fort Worth, Texas a couple months ago. Casey has worked his way through his own money transformation and he has a lot of experience and wisdom to share about the process. Along the way, we discuss: Debt freedom Goal setting and goal achievement Personal financial management And more! Enjoy! Joshua Casey's website: http://casey-lewis.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Sep 21, 2015 • 47:55

240-From the Mail Room to CEO of a Trading Company: Interview with Don Montanaro, CEO of TradeKing (Live Show from #FinCon15!)

240-From the Mail Room to CEO of a Trading Company: Interview with Don Montanaro, CEO of TradeKing (Live Show from #FinCon15!)

I'm here at #FinCon15 in Charlotte, NC this week and I had the privelege of interviewing Don Montanaro, the CEO (and co-founder) of TradeKing! We recorded this episode live on the #FinCon15 podcasting stage on September 18, 2015. We cover the details of: Don's career progression from the mail room to CEO What makes a difference in how quickly an employee gets promoted How the securities market works And way more! Enjoy! Joshua TradeKing's website: http://tradeking.com Support Radical Personal

Sep 20, 2015 • 51:07

239-Making a Bundle of Cash by Marketing Physical Products: Interview with Andreea Ayers from Launch Grow Joy

239-Making a Bundle of Cash by Marketing Physical Products: Interview with Andreea Ayers from Launch Grow Joy

It might seem like the only way to make money in today's world is to create and sell a digital product. It's not. Frankly, the physical product world is probably much less crowded than the digital world! My guest today is Andreea Ayers. She is awesome. She created a business that made and sold yoga-themed tshirts. Then, she created a business that sold soaps. Now, she's taken her success and experience with her own brands and turned it into a consulting business where she helps others to duplica

Sep 18, 2015 • 37:14

238-What's Different About Giving Financial Advice to Gen X&Y vs Everybody Else: Interview with Katie Brewer, From Your Richest Life

238-What's Different About Giving Financial Advice to Gen X&Y vs Everybody Else: Interview with Katie Brewer, From Your Richest Life

I love to bring financial advisors onto Radical Personal Finance in order to break down the barriers of communication between advisors and the general public. Katie Brewer is a financial planner based in Texas. She specializes in working with Gen X and Gen Y clients. I invited her onto the show to dig into what's different about planning for Gen X and Gen Y clients as compared to the general public. Also, I grilled her on the reality of what it's like to actually build a financial planning pract

Sep 17, 2015 • 49:40

237-Become a Master Marketer: Interview with Anthony Tran, Founder of Marketing Access Pass

237-Become a Master Marketer: Interview with Anthony Tran, Founder of Marketing Access Pass

My guest today is Anthony Tran. Anthony is the Founder of Marketing Access Pass, an All-in-One Online Marketing Training and Services website. He's a master internet marketer and he shares some of his experience with us. Also, he's built a successful lifestyle business for himself in the process! Enjoy! Joshua Anthony's website: http://marketingaccesspass.com/ Anthony's podcast: http://marketingaccesspass.com/podcast-episodes/ Support Radical Personal Finance on Patreon! http://radicalpersonalf

Sep 14, 2015 • 43:49

236-Another Financial Advisor Turned Podcaster! Interview With Joe Saul-Sehy from Stacking Benjamins

236-Another Financial Advisor Turned Podcaster! Interview With Joe Saul-Sehy from Stacking Benjamins

I'm not the only former financial advisor who became a podcaster. My friend Joe Saul-Sehy has trod the same path! We had the opportunity to catch up at the Podcast Movement conference and we were able to talk shop about the financial advisory business. Enjoy! Joshua Stacking Benjamins http://stackingbenjamins.com Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Sep 11, 2015 • 51:08

235-Living a Life of Significance: Interview with Aaron Walker from View From the Top

235-Living a Life of Significance: Interview with Aaron Walker from View From the Top

I met Aaron Walker at the Podcast Movement Conference in Fort Worth last month. After listening a bit to his story, I immediately invited him onto the show to share some of his experience with us. Aaron is a serial entrepreneur. He's developed pawn stores, built homes, and run coaching groups. Interestingly, he's a long-time member of a study group with Dave Ramsey, Ken Abraham, Dan Miller as well as some other notable Nashville businessmen. This leads to some interesting insight into some of th

Sep 11, 2015 • 47:16

234-Investing in Rare Coins With Numismatic Value: Interview With Bryan Norris, Professional Numismatist and Coin Expert

234-Investing in Rare Coins With Numismatic Value: Interview With Bryan Norris, Professional Numismatist and Coin Expert

I met Bryan Norris at the Podcast Movement conference in Fort Worth, Texas. I'm glad I did. Brian is a professional numismatist and a real expert in rare coins and money. Numismatic coins are an interest of mine and I was thrilled to bring him on the show. We cover: Numismatic coins vs. bullion coins The history of inflation and hyperinflation as told through money How to get started with coin collecting And a ton more! Enjoy this one! Joshua Support Radical Personal Finance on Patreon! http:

Sep 2, 2015 • 1:47:27

233-I'm Richly Blessed by the Social Economy

233-I'm Richly Blessed by the Social Economy

Happy Monday, Radicals! This morning I want to share a few experiences I'm grateful for and use it as an opportunity to encourage you as you begin your week. I've been tremendously blessed over the past weeks by many friends and family members who have volunteered their time and talents to help me in my time of need. I'll never be able to repay them.  And yet, if an opportunity arises, I will work to repay them because I now have social debt. And, I'll be happy to work to repay them. In today's

Aug 31, 2015 • 22:06

232-Building a Rich Life By Climbing the Corporate Ladder: Interview with Lee Cockerell, Retired Executive from Walt Disney World Resort

232-Building a Rich Life By Climbing the Corporate Ladder: Interview with Lee Cockerell, Retired Executive from Walt Disney World Resort

Climbing the corporate ladder is time-tested and proven path to income and impact. And the cool thing about this approach to career success is that you can begin where you are and simply start working the process. My guest today did just that. Lee Cockerell started with few advantages. After a stint in the military he took a job as a waiter in a Hilton hotel and went to work. He finished his 41-year corporate career as the Executive Vice President of Operations for Walt Disney World responsible

Aug 27, 2015 • 47:26

231-How You Should Respond to the Recent Stock Market Gyrations

231-How You Should Respond to the Recent Stock Market Gyrations

Over the last few days global securities markets have been rocked with massive losses.  Naturally, times like this should cause us to seriously consider our investment strategy and take a look to see what the appropriate response might be. Many of us have a significant amount of our life savings invested in public securities markets and it can be frightening to see the impact of the declines in market prices. But what should we do? In this episode I share with you some ideas and ways of thinking

Aug 25, 2015 • 54:01

230-How Being Debt-Free Enables Entrepreneurship: The Financial Journey of the Podcast Answer Man, Cliff Ravenscraft

230-How Being Debt-Free Enables Entrepreneurship: The Financial Journey of the Podcast Answer Man, Cliff Ravenscraft

I love hearing entrepreneurship stories because they speak to me of people who clarify what they want and pursue it aggressively.  Vision is required for you to be willing to leave the bed of employment where things are comfortable and warm and pursue the rocky world of entrepreneurship. The road isn't easy. But it can be easier if you will build a financial foundation underneath you before you launch. My guest today is Cliff Ravenscraft, best known as the Podcast Answer Man. Cliff has an amazin

Aug 13, 2015 • 2:07:18

229-Think Slow, Move Fast, and Prioritize Your Life (a.k.a. Why We're Moving!)

229-Think Slow, Move Fast, and Prioritize Your Life (a.k.a. Why We're Moving!)

Effective tomorrow, 8/13/15, the global headquarters of Radical Personal Finance will be moving! I'm about to start unplugging my computers and microphone but I wanted to make sure to ship today's show before doing that.  So, I decided to share with you how I've approcahed this decision to move. I think it will be helpful for you to consider how to Think Slow, Move Fast, and Prioritize Your Life. Now, time will tell if it worked for me or not!  :) Joshua Support Radical Personal Finance! http:/

Aug 12, 2015 • 40:16

228-How and Why to Buy a Car for Cash: Interview with James Kinson from the Cash Car Convert Podcast

228-How and Why to Buy a Car for Cash: Interview with James Kinson from the Cash Car Convert Podcast

At the recent Podcast Movement conference in Fort Worth, Texas, I had the opportunity to connect with James Kinson, host of the Cash Car Convert podcast.  James has a fun story to share and some great lessons to teach. He's a long-time car guy who got the debt-free religion and changed his car-buying habits. To his delight, he's wound up a good deal richer than ever before! He's got some great lessons to share and in this show we discuss: The impact a cash car can have on your wealth Leasing vs

Aug 12, 2015 • 54:56

227-The Five Benefits of College and Radical Ways to Exploit Them

227-The Five Benefits of College and Radical Ways to Exploit Them

As we head into the back-to-school season in the United States, I've been thinking a lot about the value of college and I've come up with a framework that I think will be useful to you. I see the 5 major benefits of college as these: Fun Personal Growth Certification Education Connections It's helpful to identify these benefits. But it's more important to understand how to manipulate the system to maximize your opportunities with each of them. Once you understand, you can design your own radic

Aug 11, 2015 • 1:01:05

226-Making a Living From Video Games: Interview with Danny Peña, Hall of Fame Podcast Host of Gamertag Radio

226-Making a Living From Video Games: Interview with Danny Peña, Hall of Fame Podcast Host of Gamertag Radio

I recently returned from the Podcast Movement Conference in Fort Worth, Texas. While I was there I had the opportunity to interview Danny Peña the day before he was inducted into the Podcasters Hall of Fame. For the last ten years, Danny has built Gamertag Radio into a major voice of influence in the video game industry. And, he's built a business out of a passion. Listen to the interview to hear: How to build a business from a passion How video games can tremendously  The impact of video games

Aug 7, 2015 • 46:12

Book Review: Eat That Frog! 21 Great Ways to Stop Procrastinating and Get More Done in Less Time" by Brian Tracy

Book Review: Eat That Frog! 21 Great Ways to Stop Procrastinating and Get More Done in Less Time" by Brian Tracy

"Eat That Frog! 21 Great Ways to Stop Procrastinating and Get More Done in Less Time" by Brian Tracy is an absolute goldmine of a book. Without question, this is a 5-star book. Before you read it though, it's important for you to understand what it is and what it isn't. It's not a deep-dive treatise of productivity systems; rather, it's an overview of the core principles of productivity that you need in order to organize your life around accomplishing more, meaningful things that will move you t

Jul 31, 2015 • 4:31

Out & About: Pt 2 of Joshua's Interview on "The Voluntary Life" Podcast with Jake Desyllas

Out & About: Pt 2 of Joshua's Interview on "The Voluntary Life" Podcast with Jake Desyllas

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Voluntary Life podcast with Jake Desyllas regarding Tax Strategies and Financial Freedom. This is Part 2 of a 2-part series. The interview was originally released on June 21, 2015. Enjoy! Joshua Jake's site: http://www.thevoluntarylife.com/2015/06/210-tax-strategies-and-financial.html

Jul 30, 2015 • 31:14

Out & About: Pt 1 of Joshua's Interview on "The Voluntary Life" Podcast with Jake Desyllas

Out & About: Pt 1 of Joshua's Interview on "The Voluntary Life" Podcast with Jake Desyllas

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Voluntary Life podcast with Jake Desyllas regarding Tax Strategies and Financial Freedom. This is Part 1 of a 2-part series. The interview was originally released on July 14, 2015. Enjoy! Joshua Jake's site: http://www.thevoluntarylife.com/2015/06/209-tax-strategies-and-financial.html

Jul 29, 2015 • 41:45

Announcements: Have Breakfast With Me On Friday in Ft. Worth, TX on Friday, 7/31/2015

Announcements: Have Breakfast With Me On Friday in Ft. Worth, TX on Friday, 7/31/2015

Good morning, Radicals! Two quick announcements for you this morning: If you are a listener of the show, come have breakfast with me this Friday morning at 7am at the Cast Iron Restaurant at the Omni Hotel in downtown Ft. Worth! I'll be attending the Podcast Movement conference and would love to see you! Please register here: http://bit.ly/RPFatPM15 (If you aren't able to come on Friday but can come on Saturday or Sunday morning, let me know on Twitter and I'll try to be there at 7am for breakf

Jul 29, 2015 • 3:45

Short Book Review: How To Make People Like You In 90 Seconds Or Less by Nicholas Boothman

Short Book Review: How To Make People Like You In 90 Seconds Or Less by Nicholas Boothman

(audio from a video book review)Nicholas Boothman’s book “How to Make People Like You in 90 Seconds or Less” is a great introduction to the skill of intentionally establishing rapport with new acquaintances. This book is a broad, useful introduction to the topic. All else being equal, people would rather spend time with, work with, buy from, and help those that they like. The skill of being likeable and helping people to like you is thus a very useful life skill and can be an important component

Jul 24, 2015 • 3:09

225-Rich Habits and Raising Rich Kids-The Daily Success Habits of Wealthy Individuals: Interview With Tom Corley

225-Rich Habits and Raising Rich Kids-The Daily Success Habits of Wealthy Individuals: Interview With Tom Corley

I've got a very special interview for you today with Tom Corley. Tom is an accountant and financial planner by trade. He began interviewing his wealthy clients to try to understand what they do differently than other people. Over time, his research expanded to additional interviews with poor people in an attempt to understand their lifestyles and habits. This research formed the foundation for his first book, "Rich Habits: The Daily Success Habits of Wealthy Individuals." After a slow start, the

Jul 24, 2015 • 1:17:39

224-Frugal Tips for Fashionable Financial Independence: Interview with Steve from Steveonomics.com

224-Frugal Tips for Fashionable Financial Independence: Interview with Steve from Steveonomics.com

My guest today is Steve from Steveonomics.com. Steve is a long-time listener to the show and he and his wife are aggressively pursuing their own plan for financial independence by 40.  I invited Steve on the show because he is also a lover of fine mens' fashion. He's able to integrate the principles of wise and careful shopping to build a luxurious wardrobe for himself without damaging his prospects for wealth accumulation. Steve shares: The story of his $1,000 wedding His tips and strategies f

Jul 21, 2015 • 43:38

223-1-Year Anniversary Show and Changes to the Show Format Going Forward

223-1-Year Anniversary Show and Changes to the Show Format Going Forward

We've hit a huge milestone in Radical Personal Finance history! We've reached 201 patrons and $2,001.50 of monthly support for Radical Personal Finance! This is super, super thrilling and I thank each and every one of you for your support. I'm going to be changing the format of the show a bit going forward. I'll be doing fewer long-format shows so that the long-format shows I do release are much deeper and more comprehensive.  In their place, I'll be releasing more short-format content into the

Jul 20, 2015 • 28:11

222-Why You Should Commit Yourself Wholeheartedly To Getting Out of Debt: Interview With Steve Stewart From MoneyPlan SOS

222-Why You Should Commit Yourself Wholeheartedly To Getting Out of Debt: Interview With Steve Stewart From MoneyPlan SOS

My guest today is Steve Stewart. Steve's story to me is very interesting because in many ways he was the archetypal American financial story. A normal guy with a normal financial life. However, inspired by Dave Ramsey's influence, he decided to get serious about getting out of debt. Tune in to the interview to hear the incredible impact of that decision on his life! What most intrigues me about Steve's story is how his decisions to get out of debt have had a massive impact on the rest of his lif

Jul 16, 2015 • 1:02:57

221-How to Budget When You're Behind On Your Bills and Stuck in the Middle of a Financial Emergency

221-How to Budget When You're Behind On Your Bills and Stuck in the Middle of a Financial Emergency

There are many ways to budget. All of us need to find a solution that is effective for us. And that solution will probably change as our situation changes.Today, I want to share some advice on budgeting for people who are in a financial emergency.  Here is a very simple method of budgeting. It requires only: a checkbook register a notebook and pencil a stack of all your bills a calculator Details are in the show!  Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinan

Jul 15, 2015 • 38:17

220-The Intersection of Relationships, Health, Energy, and Money: Interview with Joan Sotkin, Author of Build Your Money Muscles

220-The Intersection of Relationships, Health, Energy, and Money: Interview with Joan Sotkin, Author of Build Your Money Muscles

My guest today is Joan Sotkin. Joan has a fascinating story of avoiding money, then embracing business and earning massively, then losing it all, then rebuilding again.In today's interview she shares her perspective and insights on: The meaning of money Rich vs. poor The development of the money coaching industry Life satisfaction Enjoy the show! Joshua Joan's website: http://www.joansotkin.com/ Joan's podcast: http://prosperityplace.com/category/podcast/ Joan's book: Build Your Money Muscles

Jul 14, 2015 • 1:09:39

219-Hacking Audiobooks and the Audiobook Marketplace: Pro Tips for Advanced Learners

219-Hacking Audiobooks and the Audiobook Marketplace: Pro Tips for Advanced Learners

I love audiobooks. I find them to be an incredibly efficient way to learn and an incredibly productive way to use my time. In today's show I share with you my pro-tips for how to effectively integrate audiobooks into your educational plan. I also share with you my analysis of the audiobook marketplace and how you can get the best deals for yourself.  I analyze: Your library YouTube Overdrive Hoopla AllYouCanBooks.com Downpour Scribd Audiobooks.com Audible Enjoy! Joshua Get a free audiobook! h

Jul 13, 2015 • 1:09:47

218-The Morning Coach's Guide to Success: Interview with JB Glossinger, Host of the Top-Ranked Morning Coach Podcast

218-The Morning Coach's Guide to Success: Interview with JB Glossinger, Host of the Top-Ranked Morning Coach Podcast

I'm thrilled to share with you an interview with JB Glossinger, the Morning Coach. I met JB at a Podcast South Florida meetup event and immediately invited him on the show. JB has a really unique background. After building a career in the corporate world and finishing his MBA and PhD he realized that he was in the wrong field to fulfill his personal happiness. He pivoted and established MorningCoach.com, a top-ranked personal development community. With Morning Coach as his foundational platform

Jul 7, 2015 • 51:43

217-A Simple Decision Framework: Costs vs Benefits and the Ben Franklin Close

217-A Simple Decision Framework: Costs vs Benefits and the Ben Franklin Close

I used to think that everyone knew how to make decisions. Since starting Radical Personal Finance I've come to learn that some people don't have a clear decision-making framework. Today, I share with you a dirt-simple framework of costs vs. benefits, plusses and minusses. In sales, it's called the Ben Franklin close. Use it. Write it down. Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Jul 6, 2015 • 9:28

216-Pay Attention to Your Little Habits; They Can Make or Break You

216-Pay Attention to Your Little Habits; They Can Make or Break You

Much of our life is lived on autopilot. We generally handle most things by habit. One powerful way to improve the likelihood of achieving your goals is to focus on establishing some simple little habits that will automatically help them to happen! Enjoy. Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Jul 2, 2015 • 10:41

215-Are You Confusing Your Goals With the Means of Their Achievement?

215-Are You Confusing Your Goals With the Means of Their Achievement?

I spend a lot of time talking to people about their goals. But I notice that many times people confuse their goals and the means to the goals.  This could be a serious setback to your plans. You might spend years chasing a goal that really isn't the true goal.  Get clear! Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Jul 1, 2015 • 15:20

214-Radical Strategies for Dealing with Student Loans: Interview With Jay Fleischman, Attorney and Host of The Student Loan Show

214-Radical Strategies for Dealing with Student Loans: Interview With Jay Fleischman, Attorney and Host of The Student Loan Show

Student loans are a way of life for much of the US American population. Often considered to be "good debt" because the college degree can lead to higher earnings, they are, nevertheless, still debt. And they're debt that must be dealt with! My guest today is Jay Fleischman. Jay is a bankruptcy attorney who specializes in handling student loan issues. He's a world-class expert in this space. You're going to love listening to this show. I took pages of notes during our conversation and I recommend

Jun 30, 2015 • 1:28:38

213-Overcoming Financial Ignorance: Interview with Lauren Bowling from LBee And The Money Tree

213-Overcoming Financial Ignorance: Interview with Lauren Bowling from LBee And The Money Tree

Today I'm pleased to share with you an interview with Lauren Bowling from LBeeAndTheMoneyTree.com! Lauren has a really interesting story surrounding personal finance: After getting her degree in theater, and racking up thousands of dollars in credit card debt in college, she moved to New York City with $300 in her pocket. While there she landed a sweet job on Wall Street which sparked her interest in personal finance and helped her kick her bad money habits for good. Three years, three cities, o

Jun 29, 2015 • 49:29

212-We Had a Baby Girl! Comments on Preparing for Child Birth with Mrs. RPF herself!

212-We Had a Baby Girl! Comments on Preparing for Child Birth with Mrs. RPF herself!

Hey Radicals! Just a quick announcement show for you--our little baby girl was born early Friday morning. Baby and momma are both doing great and we are enjoying transitioning to our larger family! We're super thankful and beyond excited that she is here. I also thought it would be fun to invite my wife to chat a little bit about her childbirth experience. This isn't related to personal finance--it's just related to the RPF life! If you'd like to hear some of her comments on how we prepared for

Jun 26, 2015 • 39:55

211-How to Effectively Use New Media To Promote Your Financial Planning Practice (Or Any Type of Business): Interview With Bill Winterberg from www.FPPad.com

211-How to Effectively Use New Media To Promote Your Financial Planning Practice (Or Any Type of Business): Interview With Bill Winterberg from www.FPPad.com

One of the most fundamental transformations of our modern time is taking place in the field of communication. Although it might feel like we're far into this change, we're really not. It's only just begun One of the most important effects of this change is that very small businesses--like financial advisors--can effectively market to the broader market at a very low cost. My guest today is an expert in this field. Bill Winterberg is the founder of FPPad.com. Bill founded FPPad in 2008 to be a le

Jun 25, 2015 • 46:51

210-An Intelligent Person's Guide to Self-Education

210-An Intelligent Person's Guide to Self-Education

Our value and contribution in this world will be directly impacted by the level of our education. It's impossible to create more value without more education. (Yes, there are many kinds of education. I'm using the word inclusively.) But, under what system and whose goals have we been educated? Unfortunately, many of us have been educated under a system that promotes someone else's goals over our own. Too few of us know how to sit down and design an educational path that will take us closer to ou

Jun 24, 2015 • 1:35:09

209-The Insider Secrets of Angel Investing! (Or What Angel Investing is Really Like): Interview with Doug Nordman (And, Should I Rent or Buy?)

209-The Insider Secrets of Angel Investing! (Or What Angel Investing is Really Like): Interview with Doug Nordman (And, Should I Rent or Buy?)

Today, I welcome Doug Nordman back to the show! Doug is an early retiree (he retired at 41) and his hobby is helping other military personnel improve their financial lives. One of the more interesting aspects of Doug's financial life is his involvement in private business as an angel investor. He's not only involved with the community of investors near him in Hawaii, he's also committed a substantial amount of his savings toward his investments. In this interview you'll learn: Why Doug invests

Jun 23, 2015 • 1:23:00

208-Three Ways To Increase Your Income At Your Job

208-Three Ways To Increase Your Income At Your Job

Many people would like to earn more money. But, few people know how to actually look at their situation to assess their opportunities to actually do so. In today's show I share with you the framework that I use to think about money. It's simple but effective. And, most importantly, it's exclusively focused on the things you can actually do and change. It's practical and immediately actionable. Listen to the show to hear: The only three variables that affect how much money you earn in a free mar

Jun 22, 2015 • 54:19

207-Joshua's 30th Birthday Message To You (via the Voice of Jim Rohn!)

207-Joshua's 30th Birthday Message To You (via the Voice of Jim Rohn!)

Hey amigos! Today is my 30th birthday! I'm having an incredible day celebrating with my family and friends.30 is a big milestone for me. I've been reflecting deeply on the last decade and looking forward to the next decade.I thought about creating a "30 Lessons Learned from 30 Years of Living" for you, but I decided to simply share one of my favorite messages with you instead. This audio is a short clip from a Jim Rohn speech. I keep it on my desktop and listen to it at least a couple of times p

Jun 18, 2015 • 3:23

206-A Few Quick Announcements and a Quick Summer Break for the Show!

206-A Few Quick Announcements and a Quick Summer Break for the Show!

Hey Radicals! Just a quick announcement episode to share that the show will be taking a quick summer break for a few days. I have some show-related work to handle and I can't get it done and still continue producing content this week. Also, please expect the shows to be slighly more sporadic during the month of June...details in the audio! Joshua Support Radical Personal Finance on Patreon: http://radicalpersonalfinance.com/patron Get your tickets for FinCon15 with my affiliate link here: http:

Jun 8, 2015 • 9:04

205-Friday Q&A: Are the Advertisements Re: the Value  Of Tax Loss Harvesting a Scam, Hacking the Child Labor Laws, What's the True Purpose of the Accredited Investor Rules, and Is  My 401(k) The Best Way to Build Massive Wealth?

205-Friday Q&A: Are the Advertisements Re: the Value Of Tax Loss Harvesting a Scam, Hacking the Child Labor Laws, What's the True Purpose of the Accredited Investor Rules, and Is My 401(k) The Best Way to Build Massive Wealth?

Q&A today and I handle these four questions! Does tax-loss harvesting really offer the kind of benefit that companies like Wealthfront, Betterment, Personal Capital, et al claim? And can a person do it on their own without relying on a firm to do it for them? Thought you should know something I recently found out. California child labor laws no longer apply once you have graduated from high school.  In addition, California has a method to graduate by exam (similar to a GED, but GEDs are only av

May 29, 2015 • 1:26:22

204-A Behind-the-Scenes Look Into High-Risk Life Insurance Underwriting: Interview with Todd Simpson CLU, ChFC from The Stamm Agency

204-A Behind-the-Scenes Look Into High-Risk Life Insurance Underwriting: Interview with Todd Simpson CLU, ChFC from The Stamm Agency

One of my goals for Radical Personal Finance is to bring more transparency to the world of professional finance. Today, I'm glad to shine the light on the life insurance industry. I've invited a friend of mine onto the show to discuss his 30-year career as a life insurance broker. Todd Simpson CLU®, ChFC® is a veteran of the life insurance business. His specialty is high-risk underwriting, so he brings not only a long career's worth of experience but also a unique perspective to the difficult-to

May 28, 2015 • 1:19:28

203-Ideas to Help in Caring for Your  Older Parents' Financial Well-Being

203-Ideas to Help in Caring for Your Older Parents' Financial Well-Being

Many of find ourselves in a situation where we are concerned about the financial well-being of our parents. Obviously, we'd like to help, if possible. But, this is rarely easy. There are many, many challenges that can emerge. In essence, to truly answer these questions you'd not only have to have all of the skills of a financial planner, but also the background of a relationship counselor, a life coach, and more! It ain't easy! I created this show as an overview of ideas that may be able to help

May 27, 2015 • 1:17:58

202-"Get Yourself a 30-Footer and Go!" How To Build a Lifestyle of Freedom Through Sailing, Self-Publishing, and TEOTWAWKI Escape Plans: Interview with Matthew Bracken, Author of "Enemies Foreign and Domestic

202-"Get Yourself a 30-Footer and Go!" How To Build a Lifestyle of Freedom Through Sailing, Self-Publishing, and TEOTWAWKI Escape Plans: Interview with Matthew Bracken, Author of "Enemies Foreign and Domestic

My guest today is a author named Matthew Bracken. Matthew is a sailor, writer, and former Navy Seal. He's the author of four novels (all of which I've thoroughly enjoyed.) Most importantly for our purposes, he is an expert on the topic of achieving a lifestyle of freedom through sailing. He wrote an excellent essay called "Get Yourself a 30-Footer and Go!" which advocates a quick entry into the sailing world as a way to build economic opportunity for yourself. During the course of the interview,

May 26, 2015 • 1:28:15

201-Friday Q&A: My Parents Just Bought an Annuity...How Do I Help and How To Invest An Extra $20,000

201-Friday Q&A: My Parents Just Bought an Annuity...How Do I Help and How To Invest An Extra $20,000

Q&A show today and I answer these two questions for you: Joshua, My parents just moved to Florida last year and got wooed by an advisor that bought them dinner, gave them a free round of golf, etc. and now they're in an annuity and I can't figure out how badly they are getting screwed (not because there's anything inherently wrong with annuities but because the advisor is sadly not a fee-only advisor so I imagine he's taking a big cut of the action). I'm trying to convince them to find a good f

May 22, 2015 • 1:09:03

200-My Podcasting Equipment, Workflow, and Lessons Learned From 200 Episodes

200-My Podcasting Equipment, Workflow, and Lessons Learned From 200 Episodes

From time to time, I receive questions from listeners about the equipment that I use to produce my show. I also get questions about the mistakes I've made and what I would do differently if I were to do it over again. Today, I share the workflow that I use to create my show and some of the lessons I've learned in 200 episodes of podcasting. This show does not contain any specific financial planning or personal finance content. It does include a discussion of my thought process in creating the sh

May 21, 2015 • 1:06:11

199-Whole Life Insurance

199-Whole Life Insurance

Today, we continue the life insurance series with the valuable background of whole life insurance. Exciting stuff! This show is an introduction to the various product features and design ideas. We cover: Ordinary life insurance Limited pay life insurance Cash values Policy loans Nonforfeiture or Surrender Options: Surrender for cash value Reduced amount of paid-up whole life Paid-up term Annuity or retirement income Policy conversion Participating versus nonparticipating policies Policy divi

May 20, 2015 • 1:21:30

198-What Would I Do If I Won the Lottery?

198-What Would I Do If I Won the Lottery?

I received a question from a listner which I decided to answer for you on today's show: Joshua: So, this is a "fun question" that everyone loves to fantasize about. I hope it will be fun for you to answer, but it could have a really boring answer, but I'm sure you'll surprise me somehow!  What would you do if you won the lottery? As a financial planner, what advice would you give to a client who had won the lottery? What would the most optimal tax strategy be? Do you take the payments or the l

May 19, 2015 • 2:28:53

197-How Big of an Emergency Fund Should I Have? What Percentage of My Income Should I Owe In Debt Payments?

197-How Big of an Emergency Fund Should I Have? What Percentage of My Income Should I Owe In Debt Payments?

Today, I have a tightly focused show for you with a few key points from the CFP® Board curriculum. You will need this information on the CFP® Board exam and it will be useful for you as an individual. First, I share with you how to choose between needing a 3-month emergency fund and a 6-month emergency fund. Next, I share with you the manageable percentages of your income which you can allocate to debt payments. Enjoy! Joshua Support Radical Personal Finance on Patreon: http://radicalpersonalfi

May 18, 2015 • 19:15

196-Friday Q&A: Other Student Loan Ideas, Helping Kids Without Enabling Them, Consolidating Accounts, Maxing Out a Spousal IRA, Retirement Distribution Strategies, and Help With Goal Planning

196-Friday Q&A: Other Student Loan Ideas, Helping Kids Without Enabling Them, Consolidating Accounts, Maxing Out a Spousal IRA, Retirement Distribution Strategies, and Help With Goal Planning

Today, I'm cleaning out the voicemail inbox for my Friday Q&A show. Here are the questions for today: What strategies for student loan payoff did I forget last week? How do we help our young kids without enabling them? Thoughts on consolidating retirement accounts. What are the limits on retirement accounts for a stay-at-home spouse? Thoughts on various retirement income distribution strategies. Do I have additional services and options to help with coaching individual people? Enjoy! Joshua S

May 15, 2015 • 1:19:21

195-Double (At Least) Your MPGs: 109 Hypermiling Tips from Ecomodder.com

195-Double (At Least) Your MPGs: 109 Hypermiling Tips from Ecomodder.com

How much do you spend each year on fuel costs for your car? What is your current mileage per gallon? Before you rush out and buy a new hybrid to save money on gas, consider improving your driving techniques. It doesn't cost you anything except attention and focus and it can make a substantial difference. As an example, check out this guy who got his 3/4 ton pickup truck from an EPA estimate of 15 mpg to almost 60 mpg! In today's show I feature 109 tips for more efficient driving. These tips come

May 14, 2015 • 59:49

194-You Just Got Laid Off. Here's What To Do Next!

194-You Just Got Laid Off. Here's What To Do Next!

Today, we finish out the 3-part series on preparing for layoffs in the coming recession. Today's show will be useful to you, even if you just got notice of your layoff and didn't do anything to prepare for it beforehand. The major theme of today's show is that you need to take appropriate action with appropriate speed. If you're stuck with little savings and no preparation, that means take massive action, now! If you've planned a bit better in advance, it means be strategic and thoughtful. We di

May 13, 2015 • 1:04:45

193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might result in your being laid off, even though you've done everything "right." So, you need a backup plan. Don't wait and wonder what you'll do. Make a simple plan now for what you'll do. Think about some different scenarios and play some mental games with yourself. That way, you'll be able to better respond to events instead of being shell-shocked by them

May 12, 2015 • 1:08:53

192-Recession is Coming: How to Not Get Laid Off In the Next Recession

192-Recession is Coming: How to Not Get Laid Off In the Next Recession

For most of us, our jobs are the economic engine that drive every aspect of our financial plan. One of the worst things that can happen is to lose a job. If the engine on your car dies, you're going to be stuck by the side of the road for a while. That's not pleasant for anyone, even if you're stuck in a safe area. But, if you're driving up a mountain (paying off debt and digging yourself out of a hole), having your engine die can be disastrous. And, if you have a destination in mind (financial

May 11, 2015 • 59:55

191-Friday Q&A: Invest or Pay Off Debt, Rent or Buy Calculations, Double Tax Credit for Multiple 529 Accounts, Roth Conversion or Not

191-Friday Q&A: Invest or Pay Off Debt, Rent or Buy Calculations, Double Tax Credit for Multiple 529 Accounts, Roth Conversion or Not

Today, I handle these four questions: 3:02 Joshua, I just started listening to your show and I've learned a lot already. I originally started listening because I have an interest in one day becoming a personal finance consultant, but that's a long way off, for now I just need help with a crazy student loan issue! I am currently paying almost $600 a month for a $102k student loan at 7%, couple of key things, credit is shot due to bk filed last year, the loan is with the nelnet through dept of Ed

May 8, 2015 • 1:02:48

190-Learning To Trade Stocks: Interview With Steve Burns, Founder of New Trader University

190-Learning To Trade Stocks: Interview With Steve Burns, Founder of New Trader University

Today we dig into the topic of trading stocks. And who better to speak with than the guy who started a "university" to teach the subject? My guest today is Steve Burns, founder of www.NewTraderU.com.  Here's some background about Steve, directly from his About page:  "After a lifelong fascination with financial markets, Steve Burns started investing in 1993, and trading his own accounts in 1995. It was love at first trade. A natural teacher with a unique ability to cut through the bull and make

May 7, 2015 • 1:01:40

189-Term Life Insurance

189-Term Life Insurance

Today we continue our life insurance series dig into the topic of term life insurance. Term life insurance is an incredible financial product and extremely useful. It also has some options that are not commonly understood or explored. We discuss: What is term life insurance useful for? Normal life insurance policy designs: level term insurance annual renewable term insurance decreasing term insurance increasing term insurance Key policy features: renewability convertibility disability waive

May 6, 2015 • 1:34:46

Out & About: Joshua's Interview on the "Work Strong America" Podcast with Rick Seigmund

Out & About: Joshua's Interview on the "Work Strong America" Podcast with Rick Seigmund

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Work Strong America podcast with Rick Seigmund. This interview was originally released on Rick's show on February 4, 2015. Enjoy the show! Joshua Links: Rick's Work Strong America site: http://workstrongamerica.com The original post of this interview on Rick's site: http://workstrongamerica.com/wsa-episode-005-joshua-sheats-interview/ Support Radical Personal Finance! http://radicalpersonalf

May 6, 2015 • 41:30

188-Avoiding the Sunk Cost Fallacy by Applying Zero-Based Thinking

188-Avoiding the Sunk Cost Fallacy by Applying Zero-Based Thinking

Years ago, I learned an extremely valuable thinking process from Brian Tracy called Zero-Based Thinking. Today, I share it with you. Here's the question: Is there anything in your life that, knowning what you now know, you wouldn't get into again today if you had to do it over? If the answer is yes, then you follow up with these questions: How do I get out? How fast do I get out? By consistently applying this question to every area of our lives, we can avoid much of the impact of the sunk cost f

May 5, 2015 • 40:04

187-Friday Q&A: Special Needs Planning, Podcast Feedback, 15-Year Old Son's College Account, My Investment Strategy

187-Friday Q&A: Special Needs Planning, Podcast Feedback, 15-Year Old Son's College Account, My Investment Strategy

Today, we continue the Q&A blitz! Here are the questions I cover today: Do you have any tips or feedback about how to factor a special needs child  when planning for retirement, college, etc?. The typical advice usually is that, typical, once you have a special needs child things change as you dwell into the wonderful world of early intervention, therapies, IEPs, tax planning, etc,  I used to think I would just need to change my assumptions in terms of planning for our son to be with us long wa

Apr 30, 2015 • 1:42:09

186-Q&A: Real Estate Investing and the Financial Planning Process

186-Q&A: Real Estate Investing and the Financial Planning Process

I'm continuing my Q&A blitz today. I set out to answer five questions and wound up answering two. Oh well. At least I think you'll enjoy them! Here are the two questions I cover: What are your opinions regarding real estate investing? Should people invest in real estate? What percentage of the portfolio should it be? Thoughts on wholesaling? Flipping? Etc.? My question is can you walk us through your typical financial planning process with an average client of yours. From the initial conversati

Apr 29, 2015 • 58:17

185-Q&A: Effective Journaling, Where to Invest First $100, Investing Like Your Money Or Your Life, Families Investing Together

185-Q&A: Effective Journaling, Where to Invest First $100, Investing Like Your Money Or Your Life, Families Investing Together

Today, I do Q&A and answer these four questions: Joshua, I absolutely cannot get enough of your show. Thank you very much for the effort you put in and the thought provoking product you create! It is worth the voluntary money!I've got a very open ended question: You often talk about journaling and writing to help develop thoughts, ideas, and plans. How does one get started doing this? What should your listeners focus on when getting into the habit of journaling? How often do you write in your j

Apr 28, 2015 • 1:00:29

184-Financial Freedom Afloat: Lessons We Can Learn From the Long-Term Sailing Community

184-Financial Freedom Afloat: Lessons We Can Learn From the Long-Term Sailing Community

I enjoy looking for financial planning tips from odd corners of the world. Recently, I stumbled across the book Financial Freedom aFloat: How to Pocket a Paycheck in Paradise by Charles Tuller as I was browsing the finance section in my local library. Written for the cruising community, the book lays out some specific ideas and strategies for sailors who either need or want to earn some money to be able to afford to stay out on the water for the long-term. I'm most intrigued by the challenge of

Apr 27, 2015 • 51:04

183-Friday Q&A: Response to Ep. 181, Dividend Strategy in 529 Plans, Group Life Insurance vs. Individual, Lowering the Cost of Home Ownership, and Exceeding 401(k) Contribution Limits

183-Friday Q&A: Response to Ep. 181, Dividend Strategy in 529 Plans, Group Life Insurance vs. Individual, Lowering the Cost of Home Ownership, and Exceeding 401(k) Contribution Limits

Today I handle your questions and comments. Right off the bat, I respond to some of the sharp criticism of Episode 181. Perhaps it will be useful to clarify my intention with the show material. Then, I answer these questions: 35:48 Dear Joshua, I have a question regarding a specific method for paying for my children's college education.  Putting aside the merits of a college education in general; and putting aside thoughts that I have no obligation to pay for my children's school....let's assum

Apr 24, 2015 • 1:30:37

182-Asset Protection Planning: A Practical, Introductory Primer

182-Asset Protection Planning: A Practical, Introductory Primer

I'm fascinated by the topic of asset protection planning. It engages my personal enjoyment of complicated, intricate planning. It's in important area of planning. But it's also one of the most over-hyped areas filled with sleazy marketing and sleazy business practices. How do we work through this? Today, I introduce the topic to you in a down-to-earth, accessible way. We'll keep a healthy sense of paranoia and a healthy sense of reality firmly together as we traipse through these topics. Enjoy t

Apr 22, 2015 • 45:44

181-Why We Need More Discussion of Politics, Religion, Philosophy, Morality, and Ethics in Finance, Not Less

181-Why We Need More Discussion of Politics, Religion, Philosophy, Morality, and Ethics in Finance, Not Less

Every single aspect of personal finance is influenced politics, religion, and philosophy. Every law and every decision has a moral and ethical component to it. In modern conversation, we're unaccustomed to talking about philosophy and ethics. We steer away from discussing politics and religion because we're uncomfortable with how we can have a positive relationship with another person even when we disagree. Or, we might feel unequipped to battle in the world of philosophical or religious ideas.

Apr 21, 2015 • 3:04:43

180-How Life Insurance Policies Actually Work

180-How Life Insurance Policies Actually Work

Today, I share with you the framework knowledge of how life insurnace policies actually work. Once you understand these basic concepts you'll be able to look at any type of insurance policy and more easily understand its use. Topics include: Assessment life insurance Yearly renewable term life insuance Level premium life insurance The factors that affect life insurance policy pricing The five types of life insurance policies Enjoy! Joshua Support Radical Personal Finance on Patreon! http://ra

Apr 17, 2015 • 1:20:12

Out & About: Joshua's Advice For Young People: Interview on the Anarcho-Yakitalism Podcast with Nick Hazelton

Out & About: Joshua's Advice For Young People: Interview on the Anarcho-Yakitalism Podcast with Nick Hazelton

I'm not able to record and release a new show for you today due to the rather pressing deadline of the April 15 tax filing date. I'm finishing up my return today so I'm releasing an interview I gave on the Anarcho-Yakitalism Podcast with Nick Hazelton. Nick is a young man who raises yaks and pigs on his farm in the Pacific Northwest. He is 16 years old. I shared a bit of my story with him and gave him a bit of life coaching on how I think about financial planning and life planning for young peop

Apr 13, 2015 • 1:28:03

179-Friday Q&A: Where to Keep An Emergency Fund, Should I Make a 50% Down Payment,  How to Pay For a Master's Degree, How To Prepare For An Overseas Trip

179-Friday Q&A: Where to Keep An Emergency Fund, Should I Make a 50% Down Payment, How to Pay For a Master's Degree, How To Prepare For An Overseas Trip

This morning, I put out a note on the Patreon page for questions from the patrons and I received four: 02:38 I'm currently in the "Financial Stability" stage of building wealth. Where do you recommend keeping an emergency fund &/or savings for large purchases? 17:36 My only major financial goal is to buy a small condo in Hollywood in about 6-7 years. I am 33 years old, single and don't plan on starting a family. I have about $170K in investments/retirement and am on track to have an additional

Apr 10, 2015 • 52:21

178-How Much Life Insurance Do I Need? A Simple Tutorial On How To Calculate A Life Insurance Needs Analysis For Yourself

178-How Much Life Insurance Do I Need? A Simple Tutorial On How To Calculate A Life Insurance Needs Analysis For Yourself

Today's show gives you the tools you need to sit down and calculate an appropriate amount of life insurance coverage for you to own. On Episode 173, I discussed the three primary ways of calculating an appropriate amount of insurance: Human Life Value approach Needs Analysis approach (the best) Rule of Thumb approach This show teaches you how to calculate a Needs Analysis. The process is simple: What You Want - What You've Got = What You Need In order to figure out what you want, simply make a

Apr 8, 2015 • 44:59

177-Interview with Meb Faber of Cambria Funds: Investment Process for Normal People

177-Interview with Meb Faber of Cambria Funds: Investment Process for Normal People

By popular request, I've invited Meb Faber on the show for an interview. Meb is well known in the investment world for his contributions on tactical asset allocation and trend-following. In the interview we cover: Meb's background and accidental path into the investment world The philosophy of business behind Cambria Funds How to construct an investment process for individuals True historical rates of return for various asset classes The impact of asset allocation over the long-term How to prot

Apr 7, 2015 • 57:36

176-Practical Asset Allocation and Asset Location for Short-, Medium-, and Long-Term Goals

176-Practical Asset Allocation and Asset Location for Short-, Medium-, and Long-Term Goals

Today I want to share a very simple concept with you regarding practical asset allocation. If you plot your goals on a simple matrix and plot all of your investments on the same matrix, you'll more easily be able to select an appropriate investment to fund each goal. Here's the matrix:  home-run dollars aggressive dollars safer dollars -------------------> short-term -----> mid-term -----> long-term Enjoy the show! Joshua Support the show as a patron: http://radicalpersonalfinance.com/patron

Apr 7, 2015 • 20:08

175-Friday Q&A: Can Financial Advisors Increase Your Returns, How to Prepare For the CFP Exam, Fastest Way to Become a 1%er, How Do You Trust Insurance Agents, What is the Role of an IPO in an Investment Portfolio

175-Friday Q&A: Can Financial Advisors Increase Your Returns, How to Prepare For the CFP Exam, Fastest Way to Become a 1%er, How Do You Trust Insurance Agents, What is the Role of an IPO in an Investment Portfolio

Friday Q&A shows are fun and today is no exception. Today I answer five questions: Is there any academic support for the value of financial advisors? What is the best way to prepare to pass the CFP exam? What is the fastest way to become a 1%er? How do you learn to trust insurance people? What is the role of an IPO within a broader investment portfolio? Enjoy my answers! Joshua Links: Research on investors' actual returns with DFA funds. Vanguard's paper on the value that an advisor brings. M

Apr 3, 2015 • 1:06:20

174-The Stages of Financial Independence: A Useful Roadmap to Help You Navigate from From Broke to Financial Freedom

174-The Stages of Financial Independence: A Useful Roadmap to Help You Navigate from From Broke to Financial Freedom

You can’t go from broke to rich in a single step. There’s no magic fairy who will suddenly transform your financial life for you. You have to do it yourself. But you can work your way through a path that leads to financial independence and complete abundance. That path has stages and you should celebrate your progress at every stage! In today's show, I share with you my ideas regarding the stages of financial independence. I believe this is a useful roadmap to help you navigate from where you ar

Apr 2, 2015 • 54:06

173-Economic Basis of Life Insurance and Individual/Family Uses of Life Insurance

173-Economic Basis of Life Insurance and Individual/Family Uses of Life Insurance

At long last, we enter into the oft-requested topic of life insurance! Today's show is an introduction to the economic basis and justification for life insurance and it's also an outline of some of the uses of life insurance for individuals and families. (We'll cover business uses another day.) You also get the joy of a bit of a sales pitch on why I love life insurance planning so much. It's truly an incredible financial product. Life insurance is founded on the economic value that each of us pr

Apr 1, 2015 • 1:06:21

172-Retirement Planning From The Financial Advisor's Perspective: Interview with Roger Whitney, Host of the Retirement Answer Man Podcast

172-Retirement Planning From The Financial Advisor's Perspective: Interview with Roger Whitney, Host of the Retirement Answer Man Podcast

Retirement planning is at the core of the financial planning profession. But, it's a very complex subject and it's tough to wrap your head around the process. I've invited Roger Whitney, CFP®, CIMA®, CPWA®, AIF®, financial advisor and host of the Retirement Answer Man Podcast on the show today to chat about retirement from his perspective. Roger specializes in working with retirees and prospective retirees in a formal financial planning capacity. I think you'll be intrigued by some of his perspe

Mar 31, 2015 • 59:00

171-Constantly Adjust the Scale of Your Budget Numbers for Maximum Mental Impact

171-Constantly Adjust the Scale of Your Budget Numbers for Maximum Mental Impact

One of the challenges of personal finance math is the relevance of a particular scale. Sometimes you can get a massive benefit by switching to a different scale. One famous example is the daily latte. $4 for a latte sounds about right in today's world. But if you do it every day, it adds up. To fully appreciate the impact of the seemingly small expenditure you can change the scale from daily to annual. $4/day x 5 days per week x 52 weeks per year is $1,040/year spent on coffee. That's a lot of m

Mar 31, 2015 • 55:03

Out & About: Joshua's Interview on the "Dough Roller Podcast" by Rob Berger

Out & About: Joshua's Interview on the "Dough Roller Podcast" by Rob Berger

I've got a double problem this week that is keeping me from releasing shows: No internet at my house. Launching the new site. So, I'm releasing a couple of interviews that have been recorded with me in the past. This one is very good. Rob is a great interviewer and he was able to get very in-depth. This show has an in-depth discussion of the benefits and problems of financial advisors.  Rob was also able to pull some pretty personal stuff out of me from my past! Joshua Links:  The original po

Mar 25, 2015 • 2:01:03

Out & About: Joshua's Interview on "Side Hustle Nation" with Nick Loper: Tax Savings Tips for Side Hustlers

Out & About: Joshua's Interview on "Side Hustle Nation" with Nick Loper: Tax Savings Tips for Side Hustlers

I'm not able to record a normal show today, so I'm releasing a copy of an interview I conducted with Nick Loper from Side Hustle Nation. This interview was released on February 19, 2015 on Nick's show, just in time for tax-time! This show is a good overview of some general tax tips: When and why you should incorporate your business, and why most beginning side hustlers should NOT. How to set up a business name even as a sole proprietor. The types of expenses you can deduct as a side hustler. 3

Mar 21, 2015 • 50:35

170-The Voluntary and Forced Transitions of The Financial Industry: Interview With Fred Gabriel, Editor of Investment News

170-The Voluntary and Forced Transitions of The Financial Industry: Interview With Fred Gabriel, Editor of Investment News

My guest today is a veteran of financial reporting. Fred Gabriel has spent the last 17 years reporting on the financial advice industry. He began his career as a mutual fund reporter and progressed to be named the editor of Investment News in 2012. I spoke with Fred at the Technology Tools for Today Conference and we focused our conversation on the changing landscape of financial advice. Due to the nature of his job, Fred has a front-row seat on all of the changes happening in the industry. The

Mar 19, 2015 • 43:30

169-If You Understand and Apply Opportunity Cost to Every Decision, You'll Coach Yourself To Your Ideal Life

169-If You Understand and Apply Opportunity Cost to Every Decision, You'll Coach Yourself To Your Ideal Life

On Monday, I released the show on new cars vs used cars. It became clear to me while doing that show that I really needed to do an in-depth discussion of the concept of Opportunity Cost. If you understand Opportunity Cost you can easily help people to make better decisions. All of us make decisions based on what we value. Every transaction is based on each party involved preferring what the other has more than what he/she has. Good decision making is largely based on simply understanding all of

Mar 18, 2015 • 56:39

168-The Profit Potential of Niche Industry Conferences: Interview with Philip Taylor of PTMoney.com and FinCon

168-The Profit Potential of Niche Industry Conferences: Interview with Philip Taylor of PTMoney.com and FinCon

I've brought you some shows on the concept of advancing your career by attending industry conferences. But what about getting a double bonus by organizing the conference yourself? That way you get all the benefits you would get from attending but you get the added bonus of becoming an industry leader. Plus, perhaps you can make some money on the event! My guest today is Philip "PT" Taylor, founder of http://ptmoney.com/ and http://finconexpo.com/. PT started working as a CPA, transitioned to ful

Mar 18, 2015 • 1:15:24

167-Used Cars vs New Cars: The Great Debate

167-Used Cars vs New Cars: The Great Debate

Ahhh, the great debate over cars! Should I buy new or should I buy used? In reality, the answer is simple: What are the needs and wants you're trying to satisfy? Which option meets those needs for the lowest total, lifetime cost? Choose the option that fits best. But, of course, there are as many ways to answer those questions as there are people in the world. Regardless of the decision you make, here are some ideas for you to consider to lower the total cost and enhance your results: The tho

Mar 17, 2015 • 1:11:30

166-Why I Host a Daily Podcast and Why You Should Model Me (But Not Necessarily Copy Me)

166-Why I Host a Daily Podcast and Why You Should Model Me (But Not Necessarily Copy Me)

I'd like to share with you a look behind-the-scenes of the business of Radical Personal Finance. I want you to know why I host a daily (or at least almost-daily) podcast and why I've stuck with that, even with many people suggesting less frequency. To be clear: I don't think you should copy what I'm doing. But perhaps if you understand why I'm doing what I'm doing you may be able to apply it to your own endeavors. I'm creating this show for a few reasons: Some listeners are concerned about my p

Mar 13, 2015 • 1:37:19

Out & About: Part 2 of Joshua's Interview on "Family Adventure Podcast" with Erik Hemingway: "Build a Budget for Travel"

Out & About: Part 2 of Joshua's Interview on "Family Adventure Podcast" with Erik Hemingway: "Build a Budget for Travel"

This week I'm focused single-mindedly on the new version of the Radical Personal Finance website. So, I'm releasing some alternative content to you for your listening pleasure. This is Part 2 of an interview I gave on the Family Adventure Podcast with Erik Hemingway. It was released in November 2014. The interview is an introduction to a bunch of concepts on how to focus your budget so that you can afford long-term adventure travel. It's super fun. Erik has a great podcast that my wife and I enj

Mar 11, 2015 • 55:20

Out & About: Part 1 of Joshua's Interview on "Family Adventure Podcast" with Erik Hemingway: "Build a Budget to Live Free!"

Out & About: Part 1 of Joshua's Interview on "Family Adventure Podcast" with Erik Hemingway: "Build a Budget to Live Free!"

This week I'm focused single-mindedly on the new version of the Radical Personal Finance website. So, I'm releasing some alternative content to you for your listening pleasure. This is Part 1 of an interview I gave on the Family Adventure Podcast with Erik Hemingway. It was released in October 2014. The interview is an introduction to a bunch of concepts on how to focus your budget so that you can afford long-term adventure travel. It's super fun. Erik has a great podcast that my wife and I enjo

Mar 11, 2015 • 54:11

Out & About: Joshua's Interview on the "Create My Independence" Podcast With Kraig Mathias

Out & About: Joshua's Interview on the "Create My Independence" Podcast With Kraig Mathias

This week I'm focused single-mindedly on the new version of the Radical Personal Finance website. So, I'm releasing some alternative content to you for your listening pleasure. This is an interview I gave that was released on September 4, 2014 on the Create My Independence Podcast with Kraig Mathias. It was the first podcast interview I ever gave after starting my show!It has a good bit of my story as well as some various bits of advice on finance. Enjoy! Joshua The original post on Kraig's sit

Mar 9, 2015 • 44:52

165-Friday Q&A: Handling Aging Parents Finances, Roth Rollovers, Thinking More Broadly About Investing, How to Pay for Your Body to Be Frozen Until You Can Be Reanimated and How to Be Rich When That Happens!

165-Friday Q&A: Handling Aging Parents Finances, Roth Rollovers, Thinking More Broadly About Investing, How to Pay for Your Body to Be Frozen Until You Can Be Reanimated and How to Be Rich When That Happens!

It's Friday and on Fridays, I answer your questions. If you'd like me to answer your questions, please email them to me or call them in on the website. Question #1: Joshua, My father, who is 60 years of age, has become a victim of numerous scams over the last year or two. Generally, they involve him receiving calls that he won some prize and needs to wire some money (usually in $500 increments) to the West Indies, Jamaica, etc. His decision making with his finances is not good, to say the least.

Mar 6, 2015 • 1:13:20

164-An Introduction to Hackerspaces and Makerspaces: Interview with Jessica Fong, President of the South Side Hackerspace in Chicago

164-An Introduction to Hackerspaces and Makerspaces: Interview with Jessica Fong, President of the South Side Hackerspace in Chicago

Years ago I heard of the concept of a hackerspace/makerspace. In essence, a hackerspace is a community-operated physical place where people can meet and work on their projects. But, the work that can come out of those spaces is far more impressive than that description makes it sound like. I've wanted to bring you the concept but since I'm not an expert, I needed to do it in the context of an interview. I was thrilled when a listener of the show recommended that I interview Jessica Fong, preside

Mar 5, 2015 • 36:33

163-The Impact of Your Savings Rate on Your Time to Financial Independence (A Tribute to the Value of "The Shockingly Simple Math Behind Early Retirement")

163-The Impact of Your Savings Rate on Your Time to Financial Independence (A Tribute to the Value of "The Shockingly Simple Math Behind Early Retirement")

I spent years consuming personal finance literature and the idea of saving 10 to 20% of my income was hammered into my head. That is the standard percentage that is recommended to be saved by prudent, diligent people. I took that number with me into my foray into the financial planning world without ever questioning it. But, somewhere around 2011 I had my world rocked by reading Early Retirement Extreme by Jacob Lund Fisker.  The most useful concept I took from that book was the huge connection

Mar 5, 2015 • 39:00

162-Teaching Financial Planning as an Undergraduate College Curriculum: Interview with Dr. Nathan Harness, Assistant Professor of Finance at Texas A&M University

162-Teaching Financial Planning as an Undergraduate College Curriculum: Interview with Dr. Nathan Harness, Assistant Professor of Finance at Texas A&M University

Traditionally, the knowledge and skills of financial planning were learned by financial advisors on the job. Most financial advisors started as either stockbrokers or insurance salespeople and then moved into financial planning simply as an extension of their career. A common educational path was to simply take the state-required insurance licensing courses and the state-required securities licensing courses and then to take further courses (such as CLU, ChFC, CFP, etc.) only after getting start

Mar 4, 2015 • 1:23:35

161-A Tribute to Tom Stanley: 10 Major Finance Lessons I Learned From The Author Of The Millionaire Next Door

161-A Tribute to Tom Stanley: 10 Major Finance Lessons I Learned From The Author Of The Millionaire Next Door

I was very saddened to hear on Sunday night that Dr. Tom Stanley, author of the famous book "The Millionaire Next Door" and many others, died in a car accident near his home in Atlanta on Sunday afternoon. As I reflected on the impact that he and his work had on my life, I came to realize that he probably had a greater impact on my way of thinking than any other personal finance author I can think of. Not only did he impact my way of thinking, he impacted me personally. I reached out to him in J

Mar 3, 2015 • 1:09:48

160-Friday Q&A: Career Planning For Ideological Changes and How To Budget for an Irregular Income

160-Friday Q&A: Career Planning For Ideological Changes and How To Budget for an Irregular Income

Today on the show, I answer these two questions: Joshua, The reason why I am writing has nothing to do with finances, but career advice.  Did you (or do you) provide career counseling?  If not, can you at least recommend someone you trust?  I thought I heard you mention on a previous show that you were involved in that line of work, unless I am mistaken and it was a guest.  Brief intro: I am 32 years old, a recent MBA graduate, and have a really unique professional background that makes career t

Feb 28, 2015 • 1:29:11

159-Financial Planning Isn't Just For Boomers Anymore: Interview with Alan Moore, Co-Founder of XY Planning Network

159-Financial Planning Isn't Just For Boomers Anymore: Interview with Alan Moore, Co-Founder of XY Planning Network

The financial planning industry faces many challenges. One of the major challenges has been how to effectively serve younger generations of clients. My guest today has some ideas on how things can be done better. He set out originally to develop a different model of financial planning practice for himself and wound up creating a company dedicated to bringing the model to the world. Alan Moore, MS, CFP, is from Bozeman, Montana. He runs a financial planning firm called Serenity Financial Consulti

Feb 27, 2015 • 1:16:10

158-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 3: Pre-Paid Tuition Plans

158-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 3: Pre-Paid Tuition Plans

Today, we dive into the details of Pre-Paid Tuition Programs. I'm generally not a fan of these programs and you get to hear why! (I do acknowledge that they have their uses).  This opinion (my non-fan-ness) has always been a bit challenging since I do financial planning the state of Florida...and Florida has the most popular pre-paid tution program in the country! But, I still believe I'm right and today, I defend that belief. Listen to the show to hear: Why pre-paid tuition programs are in tou

Feb 26, 2015 • 53:47

157-Raising Six Kids On The Road: A Long-Term Travel Lifestyle Interview With Greg Denning From Discover, Share, Inspire

157-Raising Six Kids On The Road: A Long-Term Travel Lifestyle Interview With Greg Denning From Discover, Share, Inspire

I'm fascinated by long-term travel stories. After all, some people have to wait until they're retired to travel but some people are able to do it long before? How? Why? What can we learn from them? My guest today is fascinating. Greg Denning and his wife, Rachel, are living a long-term travel lifestyle. Currently, they're driving from Alaska to Argentina via Europe. Impressively, they're doing it together with their six kids! Why are they doing it? How are they paying for it? Tune in to the show

Feb 25, 2015 • 1:08:30

156-Applying Compound Interest To Your Goals: Lessons Learned From the Magic Doubling Penny

156-Applying Compound Interest To Your Goals: Lessons Learned From the Magic Doubling Penny

Most of us have heard the example of the magic penny that doubles every day in value for a month. But, have you sat down and looked at that example to really understand what lessons you can apply to your own life? Today, I share with you 5 lessons I've learned from that example: 1. Rate of return matters 2. Time matters 3. In the beginning, it's easy to spend. That's what most people do. 4. In the beginning, the amount you save matters more than the interest rate. 5. In the end, the interest rat

Feb 24, 2015 • 58:35

155-Bringing Financial Planning to Gen Y: Interview with Sophia Bera, Founder of Gen Y Planning

155-Bringing Financial Planning to Gen Y: Interview with Sophia Bera, Founder of Gen Y Planning

https://www.patreon.com/radicalpersonalfinance I don't think it's unfair to say that the financial planning industry is known for being a bit stuffy at times. If you ask an average person what they think of when they think of a financial planner, it's more likely to be an old, white guy in a suit and tie sitting in a mahogany-lined conference room than a young, vibrant lady with a theater and women's studies  double-major. But, perhaps that's changing! My guest today is Sophia Bera, CFP® and she

Feb 20, 2015 • 1:15:15

154-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 2: Savings Plans

154-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 2: Savings Plans

http://Patreon.com/RadicalPersonalFinance We continue our Masterclass on 529 plans today. If you haven't heard part 1, Go back and listen to episode 138 first. http://radicalpersonalfinance.com/138-masterclass-on-529-plans-a-k-a-qualified-tuition-programs-part-1/ You'll need it for context on today's show. Today we dig into more of the how-to regarding savings plans. I also spend a good bit of time explaining the state income tax benefits for you. Depending on your situation, these may or may no

Feb 19, 2015 • 39:45

153-The Massive Impact of Conferences on Personal Career and Income: Interview With Michael Kitces

153-The Massive Impact of Conferences on Personal Career and Income: Interview With Michael Kitces

http://radicalpersonalfinance.com/patron I had the opportunity to sit down with Michael Kitces while I was in Dallas last week for the Technology Tools for Today conference for financial advisors. Michael is, in many ways, a conference king. He speaks at 60 to 70 conferences per year. He also writes the most influential blog focused on financial advisors. What fascinates me is the development of his career. Michael's career developed from very humble origins. He found an area of interest and the

Feb 17, 2015 • 1:19:31

152-Measuring Your Biggest Asset: The Lifetime Value Of Your Income

152-Measuring Your Biggest Asset: The Lifetime Value Of Your Income

http://radicalpersonalfinance.com/patron You've probably heard that your income is your biggest and most important tool in your wealth-building toolbox.  It is. But it's hard to see and feel that when you simply sit down and look at your net worth statement. Today, I want to share with you a technique that has been useful for me. It's primarily a framing technique: it allows you to actually see the value of your income as compared to your current financial condition. It's been incredibly useful

Feb 16, 2015 • 1:04:20

151-Travel Announcement - Flying to Dallas Tomorrow - RPF Meetup?

151-Travel Announcement - Flying to Dallas Tomorrow - RPF Meetup?

Hey amigos, I've decided last minute to fly out to Dallas, TX tomorrow morning to attend the "Technology Tools for Today" conference for financial advisors. There may not be a show for the next couple of days. I will do my best to release some shows while I'm there but no promises! If you're interested in what's happening at the conference, please feel free to connect with me on Twitter https://twitter.com/JoshuaSheats or Facebook https://www.facebook.com/joshuasheats.  If any of you listners wh

Feb 12, 2015 • 6:06

150-Building a Career for Yourself By Wearing a Nametag Every Day: Interview With Scott "The Nametag Guy" Ginsberg

150-Building a Career for Yourself By Wearing a Nametag Every Day: Interview With Scott "The Nametag Guy" Ginsberg

Today's show is a fabulous interview about career creation. My guest is Scott Ginsberg. Scott is most well-known for his love of name tags. He's worn a name tag every hour of every day for 5,241 consecutive days! This decision was, in many ways, the foundation of his empire. It formed the story for his first book. Since then, he's written a total of 27 books on a variety of topics. I'm utterly fascinated by Scott's career. You'll hear that in the interview today. We discuss: Scott's utter lack

Feb 10, 2015 • 1:13:58

149-A Brand-New RPF Crowdfunding Campaign! And A Brand-New App For The Show

149-A Brand-New RPF Crowdfunding Campaign! And A Brand-New App For The Show

http://RadicalPersonalFinance.com/patreon Today, we launch our brand-new crowdfunding campaign! I've closed the old Irregulars membership program and am replacing it with this new campaign. Tune in to the show to hear: What worked well in the Irregulars version 1.0. What didn't work at all. Why I've felt guilty every time I've recorded a show for the last few months. Why I'm launching the new crowdfunding campaign. Also, we're launching our brand new app! Go get it from the app store and let m

Feb 10, 2015 • 56:30

148-Save Money By Establishing a Non-Profit Corporation For Your Business Instead of a For-Profit Corporation: Inerview with James O'Neil from Training For Safety

148-Save Money By Establishing a Non-Profit Corporation For Your Business Instead of a For-Profit Corporation: Inerview with James O'Neil from Training For Safety

Have you ever thought about the money you could save if you didn't have to pay taxes on the profits of your business? Might be nice, eh? Well, have you ever considered establishing a not-for-profit corporation instead of a for-profit company? Perhaps it might have some advantages for you! My guest is James O'Neil. James is a former police officer and now is involved in a company called Training For Safety. Having run both types of companies, James is a great guest to introduce the topic. Enjoy!

Feb 6, 2015 • 1:05:18

147-Overcoming Investment Anxiety: Interview With Dr. Alice Boyes, Former Clinical Psychologist and Long-Term Traveler!

147-Overcoming Investment Anxiety: Interview With Dr. Alice Boyes, Former Clinical Psychologist and Long-Term Traveler!

My guest for today's show is Dr. Alice Boyes, former clinical psychologist from New Zealand. She is an expert on overcoming anxiety (her new book "The Anxiety Toolkit: Strategies for Fine-Tuning Your Mind and Moving Past Your Stuck Points" comes out next month). She also happens to be quite tuned in to the financial independence and early retirement lifestyle! She's here today to give us some practical ideas and tools for how we can overcome anxiety about investing. The conversation includes: T

Feb 5, 2015 • 1:07:43

146-Intro to Business Bookkeeping Systems: Interview with Ryan Marquez CPA, MSAT

146-Intro to Business Bookkeeping Systems: Interview with Ryan Marquez CPA, MSAT

Good data is incredibly important to making good financial decisions. If you don't know where you are or where you've been, it's hard to know if you're on track and making measurable progress towards your goals. Today I've invited Ryan Marquez CPA, MSAT on the show to give an introductory overview. Ryan is an instructor in the Masters of Taxation program at Boise State University. He also runs a bookkeeping and tax business. Enjoy this introduction to business bookkeeping systems! Joshua Show Ou

Feb 4, 2015 • 1:50:41

145-Brilliant Market Timing or Pure Serendipity? Interview With Nick O'Kelly, Co-Author of Live On The Margin

145-Brilliant Market Timing or Pure Serendipity? Interview With Nick O'Kelly, Co-Author of Live On The Margin

My guest today is Nick O'Kelly. Nick is the co-author of Live On The Margin, a book about taking a different approach to regaining control of your time. (We previously interviewed Pat Schulte, his co-author, in Episode 50: "From an $8/hr Job After College to Financial Independence at Age 30 to 10+ Years of Global Travel With Family! Interview With Pat Schulte From Bumfuzzle.com") Nick is a meteorologist, a pilot, a captain, and an adventurer. He's also a writer, producer, and voiceover artist. E

Feb 3, 2015 • 1:42:55

144-Friday Q&A: Can I Retire With $1.4M, What Do I Do With Too Much Cash, and Should I do a Roth 401(k) or Traditional 401(k)?

144-Friday Q&A: Can I Retire With $1.4M, What Do I Do With Too Much Cash, and Should I do a Roth 401(k) or Traditional 401(k)?

Today, I bring to you three very fun but straightforward questions. Here they are: Question #1: @01:56 Dear Joshua,  My wife and I are well read in the areas of index fund investing, frugal living, early retirement, and financial independence (including your podcasts).  We have been on the path to early retirement for many years and we think we are there.  We both have high stress jobs and want to quit to raise a child and do whatever interests us whether it brings additional income or not.  We

Jan 31, 2015 • 1:00:09

143-Intro to Self-Directed IRAs: How to Invest In Real Estate, Tax Liens, Physical Gold and Silver, Structured Settlements, Horses, Livestock, Farmland, Timberland, and More In Your IRA

143-Intro to Self-Directed IRAs: How to Invest In Real Estate, Tax Liens, Physical Gold and Silver, Structured Settlements, Horses, Livestock, Farmland, Timberland, and More In Your IRA

I've been looking for an expert on self-directed IRAs to bring on the show and I was thrilled to meet Kirk Chisholm at FinCon last year. Kirk is an expert in both the self-directed IRA niche and the alternative investments world. His firm, Innovative Advisory Group, helps serve clients in this space with advice. Self-directed IRAs can be a powerful tool in your arsenal. Just think of the magic of Mitt Romney's $100,000,000 IRA! When you combine an IRA with alternative investments, you might real

Jan 30, 2015 • 1:55:10

142-One Possible Business Model For an Ethical Financial Planning Practice Serving Middle-Income Families

142-One Possible Business Model For an Ethical Financial Planning Practice Serving Middle-Income Families

I designed a potential financial planning practice structure a year or so ago. It has been my backup plan if Radical Personal Finance were unable to be financially productive. (It's probably still a backup of a backup.) In light of the Episode 139: "My Advice for People Interested In Getting Into Financial Planning," I decided to follow up with some specific ideas for a practice I considered creating. Here are my ideas.  The show includes a discussion of: The problem of providing planning for m

Jan 29, 2015 • 1:25:29

141-Establishing a Success Mindset In Preparation for Urban Farming: Interview with Curtis Stone

141-Establishing a Success Mindset In Preparation for Urban Farming: Interview with Curtis Stone

The most popular episode--by a long shot--of the Radical Personal Finance podcast is Episode 40: "Making $80k on 1/3 Acre With an Urban Farm Without Owning Land? Yes, Please! Interview With Curtis Stone." Today, Curtis is back for another appearance. We set out to record a show with a basic overview of how to get into urban farming with some practical steps lined out. The first step is to get your mindset right. Although our interview got stuck on step one, it wound up being a fascinating discus

Jan 27, 2015 • 1:32:27

140-Friday Q&A: Planning Steps When A Spouse Is Planning to Stay Home, Borrowing On A Paid-For House For Real Estate Investment,  Pension Plans in an Asset Allocation Plan, and How To Plan Your Life Together After Divorce

140-Friday Q&A: Planning Steps When A Spouse Is Planning to Stay Home, Borrowing On A Paid-For House For Real Estate Investment, Pension Plans in an Asset Allocation Plan, and How To Plan Your Life Together After Divorce

On Fridays, I answer your questions! And, even though this is going out on Monday, I still answer your questions! :) Today, I handle these four questions: What practical steps can a couple take when planning for one spouse to stay at home? Is it wise to borrow money on a paid-off house to fund a real estate investment? How should I factor a defined-benefit pension plan into my asset allocation plan? How should I set my personal financial goals and pull my life back together after a divorce? En

Jan 27, 2015 • 1:39:57

139-My Advice for People Interested In Getting Into Financial Planning

139-My Advice for People Interested In Getting Into Financial Planning

At this point, I'm honored to get about an email a week from someone asking about how to get into the financial planning business. Sometimes, I get multiple emails in a day! Here are four examples that I mention on the show today: Hi Joshua, I consider personal finance and financial planning a hobby and I dole out my amateur advice to friends, colleagues and family. A little bit of background -- I'm 25 years old and currently working as an auditor in big 4 in my third year and I've just been ea

Jan 22, 2015 • 1:22:01

138-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 1

138-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 1

We're continuing our college series with an in-depth discussion of 529 plans. 529 plans are incredibly popular in all their permutations. (Many people who are currently participating in a 529 plan don't actually realize it because they refer to it as a pre-paid tuition program.) They're also under attack. President Obama's most recent budget proposal targeted them for change. (It also targeted Coverdell ESAs.) Personally, I think 529 plans are often misused and mis-applied. The majority of the m

Jan 21, 2015 • 1:30:18

137-Ideas To Make More Money on the Side: Interview with Nick Loper from Side Hustle Nation

137-Ideas To Make More Money on the Side: Interview with Nick Loper from Side Hustle Nation

As we rattle around and around the iron triangle of wealth (income, expenses, and intelligent use of the difference), we come today to the topic of income. Specifically, how can you create some extra income? The world is changing and there are more opportunities to earn some money from a side project than ever before. No longer are you limited to throwing papers early in the morning or delivering pizzas in the evening; now, you can work in all kinds of interesting ways with people from all over

Jan 19, 2015 • 52:54

136-Get Ready for Global Recession and $20/Gallon Gas in 2015!

136-Get Ready for Global Recession and $20/Gallon Gas in 2015!

We need to get into some economics today and I'm going to do some prognosticating. This is a very rare event on the show, so here goes! Prediction: there will be a global recession in the future. And gas will go up to $20/gallon. Now that we have that out of the way, let's talk about what we can do to get ready for it! After all, that's the only thing that likely matters to you or me. One of the keys to being financially successfully over the long term is to avoid the big mistakes. One big mista

Jan 16, 2015 • 54:53

135-Be Confident in Your Unique Offering and Then Stick To Your Knitting

135-Be Confident in Your Unique Offering and Then Stick To Your Knitting

Today's show is a bit of a pep talk--for you but also for me!  We are taught by society to compare ourselves with other people. Even though we're all supposed to be "unique and different, we're really not. After all, we're measured on our weight as a baby (compared to all other babies), our grades as a student (compared with our class ranking), and the amount of money we make and have (thus defining us as successful)! Well, let's challenge that a bit. Sometimes we need a reminder to forget about

Jan 15, 2015 • 51:36

134-Q&A: Incorporating in California vs. Wyoming (or Nevada or Delaware) and How to Decide Asset Allocation for an Investor in Sri Lanka

134-Q&A: Incorporating in California vs. Wyoming (or Nevada or Delaware) and How to Decide Asset Allocation for an Investor in Sri Lanka

Q&A continues with two very interesting questions today: 2:30 "Should I incorporate my business in California or in Wyoming? Also, for my son, should I establish a corporation for my 16-year-old son?" 33:26 "I live in Sri Lanka and have some money saved. How should I decide my asset allocation strategy?" Enjoy the show! Joshua

Jan 14, 2015 • 1:12:46

133-Q&A: Paying off Your Primary Mortgage With a HELOC (Mortgage Acceleration) and How Safe is My Deferred Comp Program?

133-Q&A: Paying off Your Primary Mortgage With a HELOC (Mortgage Acceleration) and How Safe is My Deferred Comp Program?

We're continuing our Q&A series this week and today I handle these two questions: 00:01 Melissa heard about an idea of using a HELOC to pay off your primary mortgage as a method of paying off the loan faster and saving interest costs. This was referenced in the book "Master Your Debt" and the website TruthInEquity.com. 38:13 Robert asks about the safety of the deferred comp plan that he and his wife participate in at her Fortune 500 Public Utitlity company. Enjoy the show! Joshua

Jan 13, 2015 • 1:17:24

132-Q&A: Thinking Through Buying Life Insurance on Your Kids' Lives and Clarification on 72(t) Substantially Equal Periodic Payments for Retirees

132-Q&A: Thinking Through Buying Life Insurance on Your Kids' Lives and Clarification on 72(t) Substantially Equal Periodic Payments for Retirees

When I started recording the show, I planned to answer six questions. But, after finishing the first question and realizing how in-depth the show would be if I covered all six in one show, I decided to break it out into multiple shows. Today, I cover these two questions: 8:41-I'm thinking about buying life insurance on my two kids' lives. What do I need to know? 47:53-Will it work for me to use the 72(t) rules to retire at 50 and then change the payment terms at 59.5? Notes-Life insurance for

Jan 13, 2015 • 56:17

131-Filter Your Financial Advice Through the Lens of Scale

131-Filter Your Financial Advice Through the Lens of Scale

I read a lot of financial advice from many different perspectices. I also frequently am asked about financial advice. "Is this a good idea?" "What do you think about this investment idea?" Over the years, I have noticed that I have developed a filter that many people don't have: I view all financial advice through a filtering lens of scale. When I hear advice, I don't immediately accept is a blanket statement; rather, I think, "what type of household profile would this be appropriate for?" When

Jan 8, 2015 • 47:15

130-My Personal Development Plan for 2015

130-My Personal Development Plan for 2015

I like the change of the calendar year. It's a convenient time to sit down and take an inventory of where things are and assess the plans for where things are going. 2014 was an awesome year. It was certainly one of the more challenging times of my life and was filled with change of all types. But it was awesome. 2015 will be transformative. This year, I'll be heavily focused on stepping up my game and making everything I do to be world class. I have plenty of goals. But for me, the end result o

Jan 6, 2015 • 1:18:33

Teaching Canadians to be Financially Independent By Age 45: Interview with Timothy Stobbs, Author of Canadian Dream-Free at 45! RPF0129

Teaching Canadians to be Financially Independent By Age 45: Interview with Timothy Stobbs, Author of Canadian Dream-Free at 45! RPF0129

As we begin a new year, I think it's fitting to start with a discussion of financial independence! My desire for all of you is that you may experience financial independence as you define it and that you may establish a workable plan this year toward its achievement. Tim Stobbs is right in the middle of his financial independence plan. After stumbling across the idea of early retirement/financial independence, he was awakened to the possibility that an ordinary person could achieve it.  He set o

Jan 2, 2015 • 1:02:47

The Financial Advisor Who Can't Retire: Interview with Paul Merriman RPF0128

The Financial Advisor Who Can't Retire: Interview with Paul Merriman RPF0128

My guest today is Paul Merriman. I was introduced to Paul by a couple of listeners who requested I bring him on the show. I'm glad they did! Paul is an experienced financial advisor. But, he did that as a retirement hobby rather than as a wealth-building strategy. To build his wealth, Paul took over, built, and then sold a manufacturing company. After retiring in 1982, he proceeded to build Merriman, a Seattle-based investment advisory firm.  He grew the firm from nothing to $1.6B of assets unde

Dec 30, 2014 • 56:18

Money Advice For Teens: Interview with Eva From Teens Got Cents RPF0127

Money Advice For Teens: Interview with Eva From Teens Got Cents RPF0127

Today, I bring you an interview with a dynamo: Eva from TeensGotCents.com. I met Eva in New Orleans at the FinCon conference. She was attending with her mother and I was incredibly impressed with her. Eva writes about about personal finance for a teen audience. She began at the age of 15 and she shares her own journey and also gives advice for other young people. In the interview, we weave two themes: Eva's advice for teens Eva's own experience/example as a financial blogger Both of these them

Dec 29, 2014 • 43:13

Investing in Sustainability and Weathering the Financial Storms of Life: Interview with Jeff from The Sustainable Life Blog RPF0126

Investing in Sustainability and Weathering the Financial Storms of Life: Interview with Jeff from The Sustainable Life Blog RPF0126

Personal finance touches every aspect of life by definition. Every aspect of our life involves finance in some way. As we make the decisions of life, we're constantly faced with cost and opportunity cost: Is it wise of me to allocate this $100 to a memorable evening's entertainment with my family or to set it aside toward a larger vacation fund? Should I use some extra money to upgrade the look and style of my wardrobe or purchase some extra books or classes to advance my knowledge? Am I better

Dec 26, 2014 • 49:54

Establishing Rites of Passage to Ease the Transition to Adulthood: Interview with Dr. Vern Poythress RPF0125

Establishing Rites of Passage to Ease the Transition to Adulthood: Interview with Dr. Vern Poythress RPF0125

My guest today is Dr. Vern Poythress. Dr. Poythress is a mathematician and a theologian. Most important for this discussion, he and his wife, Diane, are parents to two children, both boys. Dr. Poythress authored an article entitled "How I Helped My Boys to Become Christian Men," in which he outlined his family's approach to establishing a formal rite of passage for his sons to become men at 12 or 13 years old. His formal test and qualifications for them included religious training, knowledge, an

Dec 23, 2014 • 51:34

Designing Human Habitats for an Abundant Lifestyle: Interview With Ben Falk, Permaculture Designer and Founder of Whole Systems Design RPF0124

Designing Human Habitats for an Abundant Lifestyle: Interview With Ben Falk, Permaculture Designer and Founder of Whole Systems Design RPF0124

My guest today is Ben Falk. Ben is a really incredible permaculture designer with a comprehensive focus. Ben runs a planning firm called Whole Systems Design. Through this firm, he "identifies, designs, and develops human habitats - landscape and infrastructure systems - that yield perennial abundance and enduring value. These are adaptive, resilient and secure places in a future of peak oil, climate instability, and deepening economic insolvency." They also "plan, develop, and manage land-based

Dec 22, 2014 • 1:10:39

Friday Q and A: Resources for the Executor of an Estate, Specialization vs. Generalization,  Advice for Transitioning to a Single-Income Family RPF0123

Friday Q and A: Resources for the Executor of an Estate, Specialization vs. Generalization, Advice for Transitioning to a Single-Income Family RPF0123

On Fridays, I answer your questions! I decided I didn't want to handle any of the in-depth, math-related questions today so I chose these three questions to handle. 1:41 - What can I do to prepare for being the executor of someone's estate? 16:49 - How can I reconcile the idea of being a specialist in my field with the advantages of being a generalist? 48:09 - What can I do to ensure a smoothe transition to a single-income household? I hope you enjoy the show! Joshua Links: NOLO: The Executor

Dec 20, 2014 • 1:13:55

Geo-Arbitrage and Expatriation for a Better Life: Interview with James Wesley, Rawles of Survival Blog RPF0122

Geo-Arbitrage and Expatriation for a Better Life: Interview with James Wesley, Rawles of Survival Blog RPF0122

Today, we welcome Jim Rawles, Founder and Editor of SurvivalBlog.com back on the show to discuss improving your lifestyle and personal resilience by moving. We talk about optimizing your lifestyle within the United States by carefully selecting your location as well as the pros and cons of international expatriation. Topics include: Ideas for playing the "State Line Jumping Game" (living in a no-income-tax state and shopping next door in no-sales-tax state). Brief mention of the "Five Flags The

Dec 18, 2014 • 54:03

Last-Minute Tax Planning Ideas To Save You Money RPF0121

Last-Minute Tax Planning Ideas To Save You Money RPF0121

Today on the show, I've got some last-minute tax planning ideas for you. These are all ideas and tactics that you can use in the last two weeks of 2014 to lower your income tax bill. I hope you don't defer your tax planning to the end of December. The end of the year is far too late to start talking about the really good stuff. Good tax planning should begin before January 1. But, these types of ideas can still be useful for you. It's possible that you've simply been too busy to do effective pla

Dec 17, 2014 • 1:18:43

Getting a Designer Education on the Cheap: Interview with Scott Young, Inventor of the MIT Challenge RPF0120

Getting a Designer Education on the Cheap: Interview with Scott Young, Inventor of the MIT Challenge RPF0120

Is education something that we buy or something that we work for? Ever thought about that? My guest today is Scott Young. I first heard of Scott when I watched his TEDx talk on "How to Get an MIT education for $2,000." This interview is filled with tidbits that will be useful to you whether you're designing your own education or whether you're helping someone else with their educational plan. Enjoy! Joshua Links: ScottHYoung.com

Dec 17, 2014 • 1:10:11

Building Wealth One House at a Time: Interview with John Schaub RPF0119

Building Wealth One House at a Time: Interview with John Schaub RPF0119

I love real estate investing. I think it's one of the most accessible, realistic ways for people to grow their long-term wealth at an excellent rate of return. Today, I'm thrilled to bring you an interview with John Schaub. John is widely renowned as one of the good guys. John has been investing in real estate for decades. He's also been teaching the subject for decades. He has a wealth of ideas and knowledge to share with us today. Enjoy! Joshua Links: JohnSchaub.com John's Seminars John's rec

Dec 16, 2014 • 1:08:51

Friday Q and A: Cash Houses vs Mortgages, Speculative BioTech Stocks in an ESA, Physician Private Practice vs Hospital Job, Accounting for Business Deductions, Multi-Family Living, 529 Plan Qualified Expenses, Inflation Rates, Gifting Money to Kids RPF018

Friday Q and A: Cash Houses vs Mortgages, Speculative BioTech Stocks in an ESA, Physician Private Practice vs Hospital Job, Accounting for Business Deductions, Multi-Family Living, 529 Plan Qualified Expenses, Inflation Rates, Gifting Money to Kids RPF018

Today, we have a really fun Q&A for you! I hope you enjoy! Here are the questions I answer: 2:25 If I have the cash, should I pay cash for a house or invest it? 17:13 Should I use my Coverdell ESA to speculate on early-stage biotech stocks? 28:05 Should a physician try to continue a private practice with a partial ownership interest or take a full-time hospital job? 40:38 How can I account for the business deductions in my side business? 49:40 Is multi-family, multi-generational living a good i

Dec 13, 2014 • 1:56:54

Transitioning From Personal Finance Blogger and Writer to Financial Advisor from a Canadian Perspective: Interview With Dan Bortolotti, the Canadian Couch Potato RPF0117

Transitioning From Personal Finance Blogger and Writer to Financial Advisor from a Canadian Perspective: Interview With Dan Bortolotti, the Canadian Couch Potato RPF0117

Today, I have a really great interview on finance from a Canadian Perspective. But make sure to listen whether you're Canadian or not. My guest is Dan Bortolotti, founder of the Canadian Couch Potato website. He has a really great story where he began as a personal finance writer and blogger and later moved into the space of being a professional financial advisor. We chat about: The value of a paying fees to a financial advisor The fit between PF writer and advisor Canadian tax law and retireme

Dec 11, 2014 • 1:16:39

How to Set and Achieve Your Financial Goals in 2015 and Beyond RPF0116

How to Set and Achieve Your Financial Goals in 2015 and Beyond RPF0116

The new year is fast upon us. Even though we're in the midst of the busy holiday season, this is a convenient time to consider the success and failures of this year and look forward to plans for next year. Even though the articles you're now seeing in your feeds on "10 End-Of-The-Year Planning Ideas" can be useful, they just don't get it done because they're not focused on the core need. The fundamental key of financial planning is to understand the process. Building wealth is a process. Achievi

Dec 10, 2014 • 1:16:08

Helping Your Kids Develop Talent (So You Don't Have To Support Them Forever): Interview with Jonathan Harris from 10kToTalent RPF0115

Helping Your Kids Develop Talent (So You Don't Have To Support Them Forever): Interview with Jonathan Harris from 10kToTalent RPF0115

Financial Planning is--and should be--fully integrated with every aspect of life. Often, there are non-financial ways of hitting financial goals that are more efficient than just simply "buying the solution." Helping your children develop their talent is one such area of focus. If you can launch a young man or woman with real, useful skills that have an economic value in the marketplace and which are aligned with their individual personality and interests, they will be far ahead of many of their

Dec 9, 2014 • 1:44:05

Little Known History of the ER Movement: Interview with Doug "Nords" Nordman RPF0114

Little Known History of the ER Movement: Interview with Doug "Nords" Nordman RPF0114

Doug Nordman is a really neat guy who has made an incredible contribution to the Early Retirement (ER) community. Known affectionately in various forums as "Nords," he contributes a rational, learned perspective on financial topics. He and his wife both retired from the US Navy. Doug was 41 and has somehow managed to stay retired for the last decade. ;) Join us today for a really neat discussion of the history of the early retirement movement and some of the contributions from its early leaders.

Dec 8, 2014 • 1:11:57

Friday Q and A: Professional Trustees, Tax Saving for Resident Physicians, All Stock Asset Allocations, Can I Afford to Retire, How to Find a Good Financial Advisor, Funding an ESA With Real Estate RPF0113

Friday Q and A: Professional Trustees, Tax Saving for Resident Physicians, All Stock Asset Allocations, Can I Afford to Retire, How to Find a Good Financial Advisor, Funding an ESA With Real Estate RPF0113

It's Friday! That means a Q&A show for you. Today, I answer all of these questions. Here are the questions and the time stamp for where each can be found in the episode. Enjoy! Joshua 10:00 - Brandon: How do I convey our financial information to my executor if my wife and I die? Should I have my testamantery trust managed by a professional trustee? 29:43 - Kyle: How do I save money on taxes as a young, single physician resident? 54:01 - Daniel: Is it ok for a young person to have a 100% stock a

Dec 5, 2014 • 1:47:57

Reasons to be Optimistic About the Present and the Future RPF0112

Reasons to be Optimistic About the Present and the Future RPF0112

In today's world, it's easy to find reasons for pessimism. And yet, we truly live in a time of greater abundance and quality of life than ever before. Join me today as I share some reasons for being thankful and grateful to be alive today. It's a good time to be alive. Joshua Links: Ericsson Mobility Report for November 2014 How Fast is 5G?

Dec 4, 2014 • 53:48

Buying A House Debt-Free...In Your 20s! - Interview with Steve Maxwell RPF0111

Buying A House Debt-Free...In Your 20s! - Interview with Steve Maxwell RPF0111

Today we have a really fun interview with Steve Maxwell. Steve is the father of eight and his three oldest sons have all purchased their houses debt-free, in their 20s, and before marriage! His younger two sons have the same vision and are on track for a similar result. How cool is that?! Steve is an electrical engineer by training. He left his engineering job however and now spends his time writing books and traveling the country speaking and encouraging others with his ministry organization, T

Dec 3, 2014 • 1:50:19

How to Live Without A Car Even With Two Kids! Interview with Christopher  DeLaney RPF0110

How to Live Without A Car Even With Two Kids! Interview with Christopher DeLaney RPF0110

Today, I have a really great show for you with Christopher DeLaney. Christopher and his wife have two little kids and they maintain a modern lifestyle without a car! Impressive! Christopher is gentle, unassuming, knowledgeable, and very helpful! Enjoy this interview! Joshua Links: Article about Christopher and his family on Bike Portland Interview with Christopher and his wife on the Sprocket Podcast Pictures of a "Bakfeit" bicycle

Dec 2, 2014 • 1:06:30

A Comprehensive Review and Critique of "Money: Master the Game" by Tony Robbins RPF0109

A Comprehensive Review and Critique of "Money: Master the Game" by Tony Robbins RPF0109

Well, it took a few days longer than I planned because of the fact that its 600 incredibly dense pages, but today I share with you my review and critique of Tony Robbins' new book. This was a very challenging project for me and frankly, it simply bogged me down in research. It's really a great book. Highly recommened. But, it also has some things I'm not imporessed with and some minor and major flaws. The show is long and in depth and my comments are organized around these themes: Intro & Pream

Dec 2, 2014 • 3:36:28

Achieving the American Dream? Yes, It Is Still Possible! Interview with Mark and Lauren Greutman from I Am That Lady and The Simpler Happier Life Podcast RPF0108

Achieving the American Dream? Yes, It Is Still Possible! Interview with Mark and Lauren Greutman from I Am That Lady and The Simpler Happier Life Podcast RPF0108

In our current culture, it's easy to become discouraged and feel as though the American Dream is out of reach for the common person. Is it easier to achieve now than in the past? Is it harder? Let's leave that debate for another day. Frankly, it doesn't much matter in your individual situation. What does matter is whether it's possible to improve your circumstances and to pursue your version of happiness. My guests today are proof that the American Dream is alive and well for some people. In man

Nov 24, 2014 • 1:34:47

A Comprehensive Guide to the Ultimate Education Account a.k.a the Coverdell Educational Savings Account RPF0106

A Comprehensive Guide to the Ultimate Education Account a.k.a the Coverdell Educational Savings Account RPF0106

Today, we take a look at one of the most misunderstood and underutilized accounts in your tax-planning aresenal. The Coverdell Education Savings Account can be incredibly useful as a tool for you to pay for: elementary school expenses secondary school expenses homeschool expenses (in some states) college expenses vocational school expenses and more! Perhaps more importantly, there are very few things you can't use as an investment in the account. You can choose to invest in: real estate notes

Nov 20, 2014 • 2:31:09

Radical Immediate Retirement: Escape the Soul Crushing Horror of Your Job Right Now? What Could Happen if you Just Chucked it All and Quit? RPF0107

Radical Immediate Retirement: Escape the Soul Crushing Horror of Your Job Right Now? What Could Happen if you Just Chucked it All and Quit? RPF0107

My guest today is David Downie, an attorney from Australia. David found himself stuck in the middle of his career, frustrated at life and simply decided to quit without much of a backup plan.  Many adventures have ensued! Since that time, David has: Written children's books Contributed to the book 1001 Beers You Must Taste Before You Die Travelled Written a book on Radical Immediate Retirement The interview is thought-provoking in every way! Enjoy! Joshua Links: DavidJDownie.com - David's sit

Nov 19, 2014 • 1:23:28

The Benefits of Minimalism as a Financial Plan: Interview about Living Car-Free and in Tiny Houses with Tammy Strobel from Rowdy Kittens RPF0105

The Benefits of Minimalism as a Financial Plan: Interview about Living Car-Free and in Tiny Houses with Tammy Strobel from Rowdy Kittens RPF0105

What can you do if you're feeling a bit stuck financially? Basically stuck in the rat race? Expenses about equal to income and some debt hanging on? Well, one strategy you could pursue would be to dramatically reduce your expenses by getting rid of your stuff, downsizing into a "tiny house," and getting rid of your cars. Today's guest did that! And it ultimately led to her being able to build a lifestyle of financial freedom through entrepreneurship. Tammy Strobel has a Bachelors of Arts in Econ

Nov 18, 2014 • 1:06:37

How to Get Money Out of Your Retirement Accounts Before 59.5 for Early Retirement RPF0104

How to Get Money Out of Your Retirement Accounts Before 59.5 for Early Retirement RPF0104

I've done a number of interviews on the show with early retirees and early retiree hopefuls. One common theme is that many of them are using traditional retirement accounts but are planning to retire before 59.5.  How is that possible without paying a bunch of penalty tax? Today, I share with you the answer to that question. They may not actually take distributions from the retirement accounts.  They might pay the 10% penalty tax because it's cheaper than the alternative. They might do a Roth C

Nov 17, 2014 • 1:15:02

Friday Q and A: Retirement Distribution, Life Purpose, Re-Balancing Bond Funds,  Pre-Paying Mortgages, Paying off CC Debt, Applying the Trivium to a New Job, Dental Insurance, and Switching Custodians RPF0103

Friday Q and A: Retirement Distribution, Life Purpose, Re-Balancing Bond Funds, Pre-Paying Mortgages, Paying off CC Debt, Applying the Trivium to a New Job, Dental Insurance, and Switching Custodians RPF0103

It's Friday! Today, I have a Question and Answer show for you and I've decided to handle a bunch of your questions. I felt like I cheated you last week by only answering 3 questions. (6:27) How do I calculate a portfolio distribution amount that retains 50% of my portfolio at my death? (20:31) Is it ok to keep money in cash or do I need to invest right away to start getting compound interest? (40:21) How do I rebalance my accounts to get a proper bond allocation? (52:28) Should I pre-pay my mor

Nov 14, 2014 • 51:53

Survivalism As a Financial Plan: the Tactics for "Surviving the End of the World as We Know It" Applied to Modern Life - Interview with James Wesley, Rawles RPF0102

Survivalism As a Financial Plan: the Tactics for "Surviving the End of the World as We Know It" Applied to Modern Life - Interview with James Wesley, Rawles RPF0102

There's a lot of interest in our current-day world with the ideas of survivalism and prepping. One visit to your local bookstore's magazine rack will illustrate this to you. Economic recessions and depressions, market instability, political gyrations...all of these things contribute to a general sense of unease for many people. What could we learn about financial planning if we applied the mindset of a survivalist to our current reality? I'm thrilled to bring you an interview today with James We

Nov 13, 2014 • 2:03:14

How to Calculate How Much You Need to Save For Your Kid's College RPF0101

How to Calculate How Much You Need to Save For Your Kid's College RPF0101

Planning for a child's college expenses is a major financial goal for many parents. Unfortunately, this is an area filled with conflicting advice.  Some people feel that saving for college is a financial goal of utmost importance; others feel it's not worth the money. Many that desire to save for the goal get constantly conflicting advice on whether to do a pre-paid tuition plan, 529 college savings plan, EE education bonds, cash value life insurance policy, or any of a couple other dozen exotic

Nov 12, 2014 • 1:08:19

The Back Story on RPF and Details of our new Membership Program  RPF0100

The Back Story on RPF and Details of our new Membership Program RPF0100

Today, we celebrate our 100th episode! I'm thrilled to hit this milestone! In today's show I share with you a bit about the genesis of the show, the path we've been on so far, and why I have done it the way I have. Additionally, I share with you my vision for the future of the show. Specifically, today I'm launching The Irregulars, my new membership support program. Please listen to the show and understand why I've chosen a listener-support approach to earning money from the show instead of acce

Nov 11, 2014 • 1:56:42

What is Your Vision and Plan For Your Child's Primary and Secondary Education? RPF0099

What is Your Vision and Plan For Your Child's Primary and Secondary Education? RPF0099

Today, we continue our education series with a discussion of my ideas and vision for primary and secondary school education.  One large problem in the world of financial planning is that often parents wait too long to consider college planning. I propose that we instead consider college planning at birth and build flexible, comprehensive plans. This show is purely about some of my ideas for my son's education. I hope you'll consider them and create your own list. Enjoy! Joshua Links: First epis

Nov 10, 2014 • 1:29:28

Friday Q and A: I Doubled My Income, Now What? How Do I Retire With No Money? Is Insurance a Good Investment? RPF0098

Friday Q and A: I Doubled My Income, Now What? How Do I Retire With No Money? Is Insurance a Good Investment? RPF0098

It’s Friday! Time for another Q&A show! I was able to answer a total of three questions: I basically doubled my income from $100,000 to $190,000. I’m spending $30,000 per year. How do I invest all the extra money? My parents want to retire but they only have $150,000 of home equity and Social Security. What […]

Nov 7, 2014 • 1:03:50

An Ordinary Pursuit of Financial Independence: Interview with Eat The Financial Elephant RPF0097

An Ordinary Pursuit of Financial Independence: Interview with Eat The Financial Elephant RPF0097

Sometimes it’s easy to think that financial independence is accessible only to “extreme” people. That’s simply not the case. You don’t have to live in a tent in the woods in order to gain financial independence. Certainly, you might be able to do it faster by living in a tent, but if you don’t want […]

Nov 6, 2014 • 1:23:11

Financial Independence via Dividend Investing: Interview with Jason from Dividend Mantra RPF0096

Financial Independence via Dividend Investing: Interview with Jason from Dividend Mantra RPF0096

Many of you have asked me to do a show on dividends and dividend investing. I decided to do it with an interview format instead of on my own. Today, we talk with Jason from DividendMantra.com about his path to financial independence. Jason woke up financially at the age of 27 to realize that he was […]

Nov 5, 2014 • 1:28:45

Early Retirement FAQs: Should I Pay Off Debt First or Should I Invest? An Interview with Joe, AKA Arebelspy RPF0095

Early Retirement FAQs: Should I Pay Off Debt First or Should I Invest? An Interview with Joe, AKA Arebelspy RPF0095

Today, we continue the Early Retirement FAQs series with Arebelspy, one of the lead moderators in the Mr. Money Mustache forums. We tackle the question of “Should I pay off debt first or invest first?” from every angle we can think of. This show is packed with ideas and perspectives, many of which I’ll bet […]

Nov 4, 2014 • 2:09:20

How to Save Money on Baby Costs: Frugal Tips with Mrs. RPF Herself! RPF0094

How to Save Money on Baby Costs: Frugal Tips with Mrs. RPF Herself! RPF0094

Babies are expensive! Right? Well, Mrs. RPF and I haven’t found it to be so. Today, I’d like to introduce you to my wife and we’ll share with you some of the strategies we’ve found useful in raising our son. General themes: Kids will cost you exactly as much money as you have. Or as much as […]

Nov 3, 2014 • 1:09:02

Friday Q and A: What to Do With $200k of Student Loans, Starting Multiple Businesses, and a Cash Flow Statement Win! RPF0093

Friday Q and A: What to Do With $200k of Student Loans, Starting Multiple Businesses, and a Cash Flow Statement Win! RPF0093

It’s Friday! That means it’s time for Q&A! Today, I take one comment from a listener and two questions: A listener did their cash flow statement “Joshua’s way” and discovered taxes are the biggest item in their budget!!! How many different business entities do I need if I want to start some sideline businesses? Should […]

Oct 31, 2014 • 58:47

The Business of Financial Advice: Opening the Curtain on The History, Present State, and Future of Financial Advice with Michael Kitces RPF0092

The Business of Financial Advice: Opening the Curtain on The History, Present State, and Future of Financial Advice with Michael Kitces RPF0092

I’m constantly asked about the topic of hiring and working with a financial advisor. I’m asked how to find a good advisor, what makes a good advisor, and how to know if you have a good one. I’m also asked how anyone with morals or scruples could ever be a financial advisor, why anyone would ever […]

Oct 30, 2014 • 1:54:15

Do I Need Insurance? A Mental Model to Analyze Methods of Dealing With Risk RPF0091

Do I Need Insurance? A Mental Model to Analyze Methods of Dealing With Risk RPF0091

Many of us have had exposure to various forms of insurance throughout our lives. But how do you make the initial decision whether insurance is appropriate for you? Today, I share with you a framework for considering various risks that you face and various ways to deal with those risks. Enjoy! Joshua Terms from today’s show: […]

Oct 29, 2014 • 1:13:29

The Lost Tools of Learning by Dorothy Sayers (audio version)

The Lost Tools of Learning by Dorothy Sayers (audio version)

This is an audio recording of Dorothy Sayers‘ well-known essay entitled “The Lost Tools of Learning.” The Lost Tools of Learning Dorothy Sayers That I, whose experience of teaching is extremely limited, should presume to discuss education is a matter, surely, that calls for no apology. It is a kind of behavior to which the […]

Oct 29, 2014 • 51:53

The Untold History of School That You Probably Don’t Know (2 of 2): Interview with Brett Veinotte, Founder of the School Sucks Project RPF0090

The Untold History of School That You Probably Don’t Know (2 of 2): Interview with Brett Veinotte, Founder of the School Sucks Project RPF0090

Today we have Part 2 of my interview with Brett Veinotte on the history of school. If you haven’t heard it yet, start with yesterday’s show! Joshua Links: Brett’s website: www.schoolsucksproject.com Gatto’s book: An Underground History of American Education Dorothy Sayers: The Lost Tools of Learning The Story of Two Buses

Oct 28, 2014 • 58:02

The Untold History of School That You Probably Don’t Know (1 of 2): Interview with Brett Veinotte, Founder of the School Sucks Project RPF0089

The Untold History of School That You Probably Don’t Know (1 of 2): Interview with Brett Veinotte, Founder of the School Sucks Project RPF0089

Today, we continue our education series by exploring the history of school with a special focus on the information you probably don’t know.. Education is a fundamentally important topic in financial planning both within the context of our own learning and also within the context of planning for our children’s education. It’s also often incredibly […]

Oct 27, 2014 • 1:40:21

Becoming a Minimalist for Greater Happiness: Interview with Joshua Becker from BecomingMinimalist.com RPF0088

Becoming a Minimalist for Greater Happiness: Interview with Joshua Becker from BecomingMinimalist.com RPF0088

Intentional minimalism is a powerful strategy to consider for personal financial planning. The richest man is not he who has the most but he who needs the least. My guest today is Joshua Becker. He is a normal, married, middle class man with two children. He and his wife discovered the joy and abundance of […]

Oct 24, 2014 • 1:15:51

Teaching Finance With a Pirate Adventure Novel and an Insider’s Guide to Wall Street: An Interview with Joey Fehrman, CFA RPF0087

Teaching Finance With a Pirate Adventure Novel and an Insider’s Guide to Wall Street: An Interview with Joey Fehrman, CFA RPF0087

Do we really need another book on finance? There are already tons of really great books on finance extant. But, how can we reach those who really don’t read very much? My guest today is Joey Fehrman, CFA and he decided to create a pirate adventure novel as a conduit for teaching the lessons of […]

Oct 23, 2014 • 1:23:54

Developing a Wealth Plan: Interview with Todd Tresidder, Founder of Financial Mentor RPF0086

Developing a Wealth Plan: Interview with Todd Tresidder, Founder of Financial Mentor RPF0086

The Personal Finance blogosphere is healthy and growing. Many of the writers who heavily influenced and contributed to the growth are no longer writing. And, many new writers are doing an excellent job! But, only a few have been around since the beginning and are still going. My guest today is one of those few. […]

Oct 22, 2014 • 1:21:39

How to Really Save Money on Utility Bills With Intelligent Engineering and Energy Planning: Interview with Steven Harris, CEO of Knowledge Publications RPF0085

How to Really Save Money on Utility Bills With Intelligent Engineering and Energy Planning: Interview with Steven Harris, CEO of Knowledge Publications RPF0085

Since we’re constantly working our way around the triangle formula of wealth (income, expenses, rate of return on the difference), there is a consistency to all aspects of financial planning. We’re either focusing on increasing/optimizing income, decreasing/optimizing expenses, or we’re optimizing rates of return. That’s it. That’s the essence of financial planning. Today, we focus […]

Oct 21, 2014 • 0:00

Protect Your Wealth From Inflation by Implementing the Alpha Strategy (by John Pugsley): Concept, Implementation, and Problems RPF0084

Protect Your Wealth From Inflation by Implementing the Alpha Strategy (by John Pugsley): Concept, Implementation, and Problems RPF0084

Many people today are concerned with the potential impact to their wealth of long-term inflation, mass inflation, and hyper inflation. Few have a plan to deal with it. Today, I present one strategy that could be implemented which would help to protect your standard of living. It’s called The Alpha Strategy. The Alpha Strategy is […]

Oct 20, 2014 • 1:24:24

Retire at 33 With 3 Young Kids! An Early Retirement Interview with Justin from Root Of Good RPF0083

Retire at 33 With 3 Young Kids! An Early Retirement Interview with Justin from Root Of Good RPF0083

I’ve got a great Friday show for you! Today, we’re going to interview early retiree Justin who writes at www.rootofgood.com. Justin has a great story. Why should you listen to him? Well, he retired at 33 as a millionaire, even though he followed a relatively mainstream path through college and law school  I’ll pull this […]

Oct 17, 2014 • 1:54:50

An Introduction to Peer-to-Peer Lending (e.g., Prosper and Lending Club) with Simon Cunningham of LendingMemo.com RPF0082

An Introduction to Peer-to-Peer Lending (e.g., Prosper and Lending Club) with Simon Cunningham of LendingMemo.com RPF0082

I’m interested in the topic of Peer-to-Peer lending but I’m not an expert on the subject. So, I went out and found an expert to teach us about the basics! Simon Cunningham is the founder of www.LendingMemo.com and is an expert on Peer-to-Peer Lending. He has borrowed through the system, he’s lent through the system, […]

Oct 15, 2014 • 1:29:28

How to Live Without a Mortgage! Interview with Rob Roy, author of “Mortgage Free: Innovative Strategies for Debt-Free Home Ownership” RPF0081

How to Live Without a Mortgage! Interview with Rob Roy, author of “Mortgage Free: Innovative Strategies for Debt-Free Home Ownership” RPF0081

Today, I have an interview with Rob Roy for you. Rob is an awesome guy. He’s the author of “Mortgage Free: Innovative Strategies for Debt-Free Home Ownership.” He and his wife live in a house they built in upper New York State. They’ve never had a mortgage! Today’s interview covers: Rob’s strategy for debt-free homeownership […]

Oct 14, 2014 • 1:18:17

How to Become a Millionaire on a Teacher’s Salary In 20 Years – Interview with the Millionaire Educator RPF0080

How to Become a Millionaire on a Teacher’s Salary In 20 Years – Interview with the Millionaire Educator RPF0080

I have a special spot in my heart for teachers. In many ways, the teaching career is an ideal career for building financial independence. But, it comes with its own unique set of challenges. Many people automatically assume that because of the “low salaries” that teachers earn, they can’t easily build wealth. But, our guest […]

Oct 13, 2014 • 2:09:47

What’s It Actually Like Living in a Bus With Three Small Children While Saving for a House? Challenging! Interview with Noah & Sarah from Little Bus on the Prairie RPF0079

What’s It Actually Like Living in a Bus With Three Small Children While Saving for a House? Challenging! Interview with Noah & Sarah from Little Bus on the Prairie RPF0079

I’ve always been interested in bus conversions and people who live in them. Today’s show is an interview with a young family who is living in a bus while saving and building their house. Sarah and Noah Springfield have three young children and they’re expecting their fourth in the next month or so. They’re saving […]

Oct 10, 2014 • 1:01:42

Early Retirement FAQs: Should I Invest in Real Estate or Stocks? An Interview with Joe, AKA arebelspy (who is on track to retire at 30 on a teacher’s salary) RPF0078

Early Retirement FAQs: Should I Invest in Real Estate or Stocks? An Interview with Joe, AKA arebelspy (who is on track to retire at 30 on a teacher’s salary) RPF0078

I’m excited about the massive growth of the early retirement community online. I’ve benefited hugely from the information and I want to serve and give back to the community. One of the most active forums I’ve found which is focused around early retirement is the Mr. Money Mustache forum. Over the years, I’ve admired the work […]

Oct 9, 2014 • 1:24:52

How to Pay for College Part 1: Teach Your Baby to Read RPF0077

How to Pay for College Part 1: Teach Your Baby to Read RPF0077

Today, we start our series on intelligent and radical ways to pay for college. We will arrive quickly at the technical discussion on this topic but first, we start with one of my new interests: early education for infants and toddlers. Today, I share with you my recent discovery into this world and what I’ve […]

Oct 8, 2014 • 58:42

Prudent Preparation for All Circumstances is the Core of a Financial Planning Mindset RPF0076

Prudent Preparation for All Circumstances is the Core of a Financial Planning Mindset RPF0076

Today’s show is about prudence and preparation in all areas of life. One of the oft-ignored aspects of personal financial planning is to plan appropriately for the areas of life that can’t be solved with the purchase of a financial product. This risks can vary from the mundane, common things of daily life to the […]

Oct 7, 2014 • 1:00:19

Friday Q and A: Calculating Life Insurance for Special Needs Planning, How to Get Started as a CFP, Another Mistake I Made, What To Do When You’ve Done All You Can, Ethical Investing & 4% Rule Clarifications RPF0075

Friday Q and A: Calculating Life Insurance for Special Needs Planning, How to Get Started as a CFP, Another Mistake I Made, What To Do When You’ve Done All You Can, Ethical Investing & 4% Rule Clarifications RPF0075

Today, we have some excellent questions submitted from some very smart listeners! I was excited to be able to answer the questions for you and I’m really pleased with the variety, interest, and depth of this show. I hope you agree! Questions answered in today’s show: How do I plan for an appropriate amount of […]

Oct 3, 2014 • 2:25:57

How to Save Money on Groceries, Hotels, and Everything Else! Interview with Josh Elledge, Founder of SavingsAngel.com and the 90 Days to Abundance Podcast RPF0074

How to Save Money on Groceries, Hotels, and Everything Else! Interview with Josh Elledge, Founder of SavingsAngel.com and the 90 Days to Abundance Podcast RPF0074

After yesterday’s deep dive into the science of financial planning I decided today we need something a bit lighter. And, in many ways, more practical. Today we jump into some very practical and useful tips and ideas for saving money with a special focus on groceries and travel. Enjoy! Links: SavingsAngel.com – Josh’s coupon site […]

Oct 2, 2014 • 1:16:08

Introduction to the 4% Rule: History, Context, Problems, and Ongoing Research (Interview with Dr. Wade Pfau) RPF0073

Introduction to the 4% Rule: History, Context, Problems, and Ongoing Research (Interview with Dr. Wade Pfau) RPF0073

There’s a great deal of information online about the “4% Rule” for retirement income. Much of the information is excellent. Some of it is flawed. It’s very challenging to work through the data in this area of research because much of it is highly technical. But, it’s worth the effort! In celebration of the 20th anniversary […]

Oct 1, 2014 • 1:19:18

What I Learned at #FinCon14 and my MSFS Residency…and How I Hacked the Two-Week, 3,200 Mile Roadtrip for $600 RPF0072

What I Learned at #FinCon14 and my MSFS Residency…and How I Hacked the Two-Week, 3,200 Mile Roadtrip for $600 RPF0072

I’m back! After two weeks out of the office and on the road, it feels good to be home in front of the microphone! Today’s show is a bit more personal. I share with you some of the lessons I’ve learned over the last two weeks from two very different but very complementary events. I […]

Sep 30, 2014 • 1:15:55

The Compounding of a Career RPF0071

The Compounding of a Career RPF0071

I’m on the road today so the show is a little different. Today I have a very short story for you about the compounding of a career. I think you’ll really enjoy this story of success. Links: The original James Clear article Investors Earn Handsome Paychecks by Handling Buffett’s Business

Sep 29, 2014 • 16:47

Choose Your Hobbies Carefully! RPF0070

Choose Your Hobbies Carefully! RPF0070

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of choosing your hobbies carefully. No yelling. No prescriptions of exactly how you need to do it. Just some gentle encouragement!

Sep 26, 2014 • 18:23

Invest in Your Health! RPF0069

Invest in Your Health! RPF0069

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of investing in your health. No yelling. No prescriptions of exactly how you need to do it. Just some gentle encouragement!

Sep 25, 2014 • 4:24

Invest in Your Marriage! RPF0068

Invest in Your Marriage! RPF0068

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of investing in your marriage. No yelling. No prescriptions of exactly how you need to do it. Just some gentle encouragement!

Sep 24, 2014 • 10:22

If You’re Tired of Paying Heavy Taxes, Why Not Move? Interview with Andrew Henderson, Founder of www.nomadcapitalist.com and the Nomad Capitalist Report RPF0067

If You’re Tired of Paying Heavy Taxes, Why Not Move? Interview with Andrew Henderson, Founder of www.nomadcapitalist.com and the Nomad Capitalist Report RPF0067

I’m very, very interested in strategies that work to help people build better lives for themselves in every way. One major area of interest to me is simply opting out of the confiscatory tax regime of the United States. I’m not an expert on this area, so I’ve brought you today an interview with Andrew […]

Sep 23, 2014 • 1:06:13

Do Financial Broadcasters Like Dave Ramsey Do More Harm than Good? A Frank Conversation Between Two Fans RPF0066

Do Financial Broadcasters Like Dave Ramsey Do More Harm than Good? A Frank Conversation Between Two Fans RPF0066

I’m often asked what I really think about Dave Ramsey and his work. And I’m generally fairly slow to answer the question simply due to my desire to focus on things that I love that are positive rather than being negative or critical. But, I’m aware that this is a continual question. And while being […]

Sep 22, 2014 • 1:09:07

Should I Pursue a Financial Planning Designation Just for My Own Knowledge? LIVE from #FinCon14! RPF0065

Should I Pursue a Financial Planning Designation Just for My Own Knowledge? LIVE from #FinCon14! RPF0065

Today’s show is live from #FinCon14! And, it’s an answer to a listener question. Here’s the question from a listener named Jeff: Hey Joshua, I have been listening to your podcasts ever since I found them a few weeks ago. Here is my question for you. Do you think I should pursue earning a financial […]

Sep 19, 2014 • 38:49

How to Work 10 Years, Retire in Your Early 30s, and Spend the Rest of Your Life Traveling the World: An Interview with Jeremy and Winnie from Go Curry Cracker RPF0064

How to Work 10 Years, Retire in Your Early 30s, and Spend the Rest of Your Life Traveling the World: An Interview with Jeremy and Winnie from Go Curry Cracker RPF0064

It’s not easy to retire early. But it’s also not necessarily complicated. In many ways, there’s a well-worn path to success and our guests today are a good example of one way that works. Jeremy and Winnie set out on a ten-year plan. Living in Seattle, they worked in the tech industry, lived frugally, and […]

Sep 18, 2014 • 1:12:21

The Importance of Tracking Your Time and Some Tips For How To Do It RPF0063

The Importance of Tracking Your Time and Some Tips For How To Do It RPF0063

I’m on the road today so the show is a little different. Today I have a very short essay on the importance of tracking your time and some tips to help you set up a system that will work for you. This is episode complements the recent discussion of tracking your money. I hope you enjoy!

Sep 17, 2014 • 11:45

Sailing Around the World with 6 Kids: An Interview with Erik Hemingway Host of The Family Adventure Podcast About His Family’s 3.5-Year, 25-Country Adventure! RPF0062

Sailing Around the World with 6 Kids: An Interview with Erik Hemingway Host of The Family Adventure Podcast About His Family’s 3.5-Year, 25-Country Adventure! RPF0062

I love adventure and really love to hear adventure stories from people who have  gone out and fully embraced a unique adventure. I’m especially interested in how to fund these adventures. My new friend Erik Hemingway, the host of the Family Adventure Podcast tells a great story and spills the beans about how he and his family […]

Sep 16, 2014 • 1:24:59

The Importance of Tracking Your Money and Some Tips For How To Do It RPF0061

The Importance of Tracking Your Money and Some Tips For How To Do It RPF0061

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of tracking your money and some tips to help you set up a system that will work for you. No yelling. No prescriptions of exactly how you need to do it. […]

Sep 15, 2014 • 9:54

Four Useful Goal-Setting Questions and Correcting Two Mistakes I Made Recently RPF0060

Four Useful Goal-Setting Questions and Correcting Two Mistakes I Made Recently RPF0060

Today I’m going to share with you one important question (and four follow-ups) that have really helped me in my own life and in my past work with clients. Also, I share two errors I made recently that I need to correct. Details in the show! A Powerful Question (originally from Dan Sullivan’s Strategic Coach […]

Sep 13, 2014 • 43:26

How to Make Your Entire Living on Craigslist: Interview with Ryan Finlay from ReCraigslist RPF0059

How to Make Your Entire Living on Craigslist: Interview with Ryan Finlay from ReCraigslist RPF0059

What would you do if you were $25,000 in credit card debt, unemployed, and had $200 to your name? Would you go get a job or would you start buying and selling stuff on Craigslist to dig out of your hole? Our guest today is Ryan Finlay. He found himself in exactly the same situation […]

Sep 11, 2014 • 1:00:27

Illustrations of the Value of Being Able to Live Cheap: An Excerpt of Tim Ferriss and Kevin Kelly (sick day) RPF0058

Illustrations of the Value of Being Able to Live Cheap: An Excerpt of Tim Ferriss and Kevin Kelly (sick day) RPF0058

Wednesday was a sick day around the Sheats household and RPF HQ! But, I wanted to still bring you a bit of thought-provoking audio and today’s excerpt is here! Enjoy this short clip from Tim Ferriss’s interview of Kevin Kelly and check out the links for the full show! It’s an excellent interview! Links: The full […]

Sep 10, 2014 • 12:40

Professional Portfolio Manager Turned Early Retiree: Interview With David Stein, Host of Money for the Rest of Us RPF0057

Professional Portfolio Manager Turned Early Retiree: Interview With David Stein, Host of Money for the Rest of Us RPF0057

Today’s show is an interview with David Stein, a former professional portfolio manager and now host of the “Money for the Rest of Us” podcast. We had an amazing conversation and dug into some of the behind-the-scenes information on what the world of professional money management is like. You’ll also be interested in hearing how […]

Sep 9, 2014 • 1:18:27

Financial Plans Should be Unique! 18 Variables That Could Dramatically Affect Your Plans RPF0056

Financial Plans Should be Unique! 18 Variables That Could Dramatically Affect Your Plans RPF0056

Today, we tackle head on the myth that financial plans should be the same for all people.  They simply shouldn’t. But we’ve probably all swallowed that line to some degree or another. I was inspired by Friday’s show at how many unique variables and plans could be developed. So I sat down and made a list […]

Sep 8, 2014 • 1:00:00

Friday Q and A: I Have $1,000,000, I’m 35, and I Hate My Job: Can I Retire Early? RPF0055

Friday Q and A: I Have $1,000,000, I’m 35, and I Hate My Job: Can I Retire Early? RPF0055

We have a really fun question from a listener today! Essentially, it’s this: I’m 35 and I don’t like my job…I have a $1,000,000 and I want to retire but no one can agree on whether I can or not! Tune in to hear my answer–it’s probably not what you think! Links: The original Trinity […]

Sep 5, 2014 • 1:20:59

How to Become The Millionaire Next Door: An Interview with John Pugliano, Founder of Investable Wealth LLC and the Wealthsteading Podcast RPF0054

How to Become The Millionaire Next Door: An Interview with John Pugliano, Founder of Investable Wealth LLC and the Wealthsteading Podcast RPF0054

I’m thrilled to bring you today’s interview with John Pugliano. John has followed the prudent path of the Millionaire Next Door–starting with nothing and becoming rich over a couple of decades by working hard, living frugally, and investing wisely. This is a path that is repeatable by most people in our Western societies. John came […]

Sep 4, 2014 • 2:01:03

How Does My Tax Return Work? An Explanation to the Structure of IRS Form 1040 RPF0053

How Does My Tax Return Work? An Explanation to the Structure of IRS Form 1040 RPF0053

Many people today have no idea how the tax return works. This is probably because many people today (including me) use either a computer program or an accountant to prepare their tax returns rather than calculating it by hand. This is probably much faster and more accurate but, in some ways, it’s a loss because […]

Sep 3, 2014 • 43:57

The Simple, Clear Path from $25,000 in Debt to an Entrepreneur’s Lifestyle: An Interview with Kraig Mathias from www.CreateMyIndependence.com RPF0052

The Simple, Clear Path from $25,000 in Debt to an Entrepreneur’s Lifestyle: An Interview with Kraig Mathias from www.CreateMyIndependence.com RPF0052

We’re back from a most excellent three-day weekend with a great interview with my new friend Kraig Mathias from www.CreateMyIndependence.com. I met Kraig in Dallas at the Podcast Movement Conference. We hit it off and I really loved hearing his story. Kraig was living a fairly normal financial life until 2010 when he was inspired to […]

Sep 2, 2014 • 1:25:29

Friday Q and A: Accrual Accounting vs. Cash Method, Roth IRA as an Emergency Fund, Permaculture Resources, Coming Up With Business Ideas, and Disagreements With My Walmart Show RPF0051

Friday Q and A: Accrual Accounting vs. Cash Method, Roth IRA as an Emergency Fund, Permaculture Resources, Coming Up With Business Ideas, and Disagreements With My Walmart Show RPF0051

Today, I answer your questions for the show! And we’ve got quite a mix of questions! How do I adjust my accounting system to handle irregular expenses? (Accrual accounting vs cash basis and double-entry accounting vs. single-entry accounting.) How can I use a Roth IRA for an emergency fund? How can I learn about permaculture? How […]

Aug 29, 2014 • 1:53:46

From an $8/hr Job After College to Financial Independence at Age 30 to 10+ Years of Global Travel With Family! Interview With Pat Schulte From Bumfuzzle.com RPF0050

From an $8/hr Job After College to Financial Independence at Age 30 to 10+ Years of Global Travel With Family! Interview With Pat Schulte From Bumfuzzle.com RPF0050

Today we have a very special interview to share with you! I’m thrilled to bring you an interview with one of my favorite writers, Pat Schulte. Pat and his wife Ali have a really neat story: Pat and his wife were highschool sweethearts. After college he started working an $8/hr job as a clerk to […]

Aug 28, 2014 • 1:29:34

An Introduction to Estate Planning: The Basics RPF0049

An Introduction to Estate Planning: The Basics RPF0049

Today’s show is an introduction to estate planning. It’s the beginning of many, many shows in a series. I try to give you some basics to frame your knowledge. I also answer these questions: What is the  history of estate planning? Does everybody need a will? What happens if I die without a will? Why don’t people […]

Aug 27, 2014 • 1:22:25

Why You Should Probably Lower Your Financial Goals RPF0048

Why You Should Probably Lower Your Financial Goals RPF0048

When people talk about money–especially in the world of success and financial planning–it’s often assumed that more is always better. This is wrong. More is not always better because: The more money you want, the more risk you have to take. The more money you want, the more you have to give up (or pay) […]

Aug 26, 2014 • 1:33:16

What Can We Learn From a Listener With a Ph.D. in Computer Science Who Plays Professional Poker and Retired at 37? Interview with Daniel Bernstein of www.AwesomeSecrets.com RPF0047

What Can We Learn From a Listener With a Ph.D. in Computer Science Who Plays Professional Poker and Retired at 37? Interview with Daniel Bernstein of www.AwesomeSecrets.com RPF0047

Last week a listener reached out to me and basically said, “I love what you’re doing and I think I’ve got a fun story your listeners might enjoy hearing about!” I read his bio and told him he was right! Today, he’s on the show. Daniel Bernstein: Got a Ph.D. in Computer Science Worked at a […]

Aug 25, 2014 • 1:10:38

Friday Q and A: What Do I Do With a Stinky 401(k)? RPF0046

Friday Q and A: What Do I Do With a Stinky 401(k)? RPF0046

I received an email from a listener named Jason who has a 401(k) with high fees. He asked me what I should do and I gave him a comprehensive answer. Enjoy the show! Links mentioned: Inflation adjusted return formula The actual rate of return of the average investor How to Get Started in Real Estate […]

Aug 22, 2014 • 1:15:25

What I Learned at the Podcast Movement Conference and Updates on the Future of the Show RPF0045

What I Learned at the Podcast Movement Conference and Updates on the Future of the Show RPF0045

I just got back from the Podcast Movement Conference in Dallas, TX. It was a really great conference! It was the first I’ve been to in the new media space. Today’s show is about: Why should we go to conferences in the first place? Major lessons I learned from #PM14 Things I didn’t learn at […]

Aug 21, 2014 • 1:12:21

It Couldn’t Be Done…And He Did It (RPF from the road) RPF0044

It Couldn’t Be Done…And He Did It (RPF from the road) RPF0044

It Couldn’t Be Done BY EDGAR ALBERT GUEST Somebody said that it couldn’t be done But he with a chuckle replied That “maybe it couldn’t,” but he would be one Who wouldn’t say so till he’d tried. So he buckled right in with the trace of a grin On his face. If he worried he […]

Aug 18, 2014 • 3:10

My Plan For How I Would Become A Millionaire With a Minimum Wage Job at Walmart! RPF0043

My Plan For How I Would Become A Millionaire With a Minimum Wage Job at Walmart! RPF0043

I worked hard on today’s show and I’m excited about it! It’s my plan for how I would become a millionaire with a minimum wage job at Walmart. The show is quite good (I think) but I didn’t have time to properly type up all of the show notes before my trip. (I recorded it […]

Aug 15, 2014 • 1:13:38

Making a Living With Your Music Online: Interview with Dan-O from DanoSongs.com RPF0042

Making a Living With Your Music Online: Interview with Dan-O from DanoSongs.com RPF0042

Today’s show is an interview with Dan-O from www.DanoSongs.com. I found Dan when I was looking for royalty free intro music for my show. When I discovered his site, I found exactly what I needed. And, I thought it was neat to find a musician making money off his songs! I thought it would be […]

Aug 14, 2014 • 41:24

Major Tax Planning Strategies #2 and #3 — Shifting and Converting Income From High Rates to Low Rates RPF0041

Major Tax Planning Strategies #2 and #3 — Shifting and Converting Income From High Rates to Low Rates RPF0041

Today we round out major tax strategies #2 and #3. As a refresher, here are the three basic tax planning strategies: Timing (deferring or accelerating taxable income and tax deductions) Income shifting (shifting income from high to low tax rate taxpayers) Conversion (converting income from high to low tax rate activities) Tax rates vary across […]

Aug 14, 2014 • 45:40

Making $80k on 1/3 Acre With an Urban Farm Without Owning Land? Yes, Please! Interview With Curtis Stone. RPF0040

Making $80k on 1/3 Acre With an Urban Farm Without Owning Land? Yes, Please! Interview With Curtis Stone. RPF0040

I think you’ll love today’s show! Today, we talk with Curtis Stone, Founder of Green City Acres, an urban farm in Kelowna, British Columbia. Curtis was a musician who decided he wanted a different life. He started his urban farm with a $7,000 investment and without buying any land. (That means no debt!) His first […]

Aug 12, 2014 • 1:24:38

What Can We Learn From the 400 Highest Income Tax Returns? Profits Are Better Than Wages! RPF0039

What Can We Learn From the 400 Highest Income Tax Returns? Profits Are Better Than Wages! RPF0039

I never intended that this show become “The Entrepreneur’s Hour,” but that seems to be a central theme! Today, I share some data that I stumbled upon from an IRS analysis of the 400 highest income tax returns. The results? Here are the income sources for the top 400 tax returns: Wages and salaries: 8.6% Interest: […]

Aug 12, 2014 • 47:48

Would You Be Willing to Live in a Van While in College to Avoid Student Loans? Interview with Ken Ilgunas RPF0038

Would You Be Willing to Live in a Van While in College to Avoid Student Loans? Interview with Ken Ilgunas RPF0038

My guest on today’s program is Ken Ilgunas, author of Walden on Wheels. Ken paid off a “crushing $32,000 of student debt” from his undergraduate education by working odd jobs all across the country and vowed not to go into debt again. While pursing his graduate degree, Ken gained a bit of national notoriety when […]

Aug 8, 2014 • 1:16:50

Interview with Trevor Van Hemert of Pedal to Petal About His Composting Business, Entrepreneurship, SPIN Farming, Financial Independence, and Cryptocurrencies RPF0037

Interview with Trevor Van Hemert of Pedal to Petal About His Composting Business, Entrepreneurship, SPIN Farming, Financial Independence, and Cryptocurrencies RPF0037

Today’s show is an interview with a listener who is far outside the mainstream finance world. Trevor Van Hemert is an entrepreneur, blogger, and financial independence advocate. Most importantly, he now makes his entire living online with a very short workweek. Join us for today’s interview as we discuss: Starting a business for a total […]

Aug 7, 2014 • 1:30:26

Major Tax Planning Strategy #1 — Adjusting the Timing of Income for Maximum Effect RPF0036

Major Tax Planning Strategy #1 — Adjusting the Timing of Income for Maximum Effect RPF0036

In today’s show, we tackle the first of the Big 3 tax planning strategies that you need to be aware of. As a refresher, here are the three basic tax planning strategies: Timing (deferring or accelerating taxable income and tax deductions) Income shifting (shifting income from high to low tax rate taxpayers) Conversion (converting income […]

Aug 6, 2014 • 1:09:30

Saving Money on Communications Bills with the Tech Meshugana and Much, Much More! RPF0035

Saving Money on Communications Bills with the Tech Meshugana and Much, Much More! RPF0035

Today’s show is a reprise of RPF Episode 4 – How to Save Money on Communications Bills with update information–or at least that’s what it was intended to be! The interview wound up going in some other directions! I.P. Daley, the Tech Meshugana has the best guide on the internet for how to save money on communications expenses […]

Aug 5, 2014 • 2:50:17

Monday Roundup: Economists vs. Politicians, Americans in Debt, Minimum Wages and Unemployment, Lessons from Psychology, Etc. RPF0034

Monday Roundup: Economists vs. Politicians, Americans in Debt, Minimum Wages and Unemployment, Lessons from Psychology, Etc. RPF0034

On Monday’s shows I bring you a variety show with news articles that have stood out to me from this past week. Today, we cover a lot of ground! “A Tax Plan That Economists Love (And Politicians Hate)” from NPR’s Morning Edition Episode 387 of Planet Money: The No-Brainer Economic Platform One out of three […]

Aug 5, 2014 • 1:31:46

What Can We Learn About Finance from Dumpster Divers, Freegans, Vagabonds and Hobos? RPF0033

What Can We Learn About Finance from Dumpster Divers, Freegans, Vagabonds and Hobos? RPF0033

Let’s get a bit radical today, eh? How about some finance lessons from homeless people? I’ve been doing some reading lately on the radical side…books written by homeless people and vagabonds to see what I can learn. Today, I share some of the lessons I’ve been learning in hopes of inspiring you with some out-of-the-box […]

Aug 1, 2014 • 1:20:11

In What Order Should I Pay Off My Debts? A Rational Guide to the Debt Snowball, Debt Avalanche, and Other Considerations RPF0032

In What Order Should I Pay Off My Debts? A Rational Guide to the Debt Snowball, Debt Avalanche, and Other Considerations RPF0032

One of the biggest debates in the personal finance space is about which order to use to pay off my debts. Opinions vary, experiences vary, and tempers flare when this subject is brought up. I think the debate is helpful in some ways but rather silly in other ways. I think it’s a lot easier […]

Jul 31, 2014 • 59:04

Discussion of the Permanent Portfolio: an Investing Strategy for All Economic Cycles (interview with Jake Desyllas) RPF0030

Discussion of the Permanent Portfolio: an Investing Strategy for All Economic Cycles (interview with Jake Desyllas) RPF0030

Many people have searched and searched for the holy grail of investing: a portfolio that provides a good return with low risk that can weather the economic storms, no matter what they be. Some feel that they have found it in The Permanent Portfolio. The Permanent Portfolio is a concept that was designed by Harry […]

Jul 29, 2014 • 1:37:08

The Iron Law of Wealth Building (or How to Translate Personal Financial Statements into Results) RPF0029

The Iron Law of Wealth Building (or How to Translate Personal Financial Statements into Results) RPF0029

There is an iron formula of wealth that can be applied to all financial plans. The relationships between balance sheets cannot be broken in any way. To become wealthy, you much increase the net worth on the bottom of the balance sheet. The only two ways to increase net worth are to increase assets or reduce […]

Jul 28, 2014 • 1:01:27

Why “Follow Your Passion” is the Wrong Career Advice (calling in sick today on RPF) RPF0028

Why “Follow Your Passion” is the Wrong Career Advice (calling in sick today on RPF) RPF0028

Hey friends, I’m still not able to speak well enough to record a normal show but I wanted to make sure you have something thought-provoking to listen to. The thought-provoking audio for today is from Cal Newport‘s speech at The World Domination Summit. I hope to be back with you loud and strong on Monday! […]

Jul 25, 2014 • 37:26

What Would You Do if Money Were No Object? (calling in sick today on RPF) RPF0027

What Would You Do if Money Were No Object? (calling in sick today on RPF) RPF0027

Today’s show is very short but, I hope, very thought provoking. I’m feeling sick today and am not able to produce any content that will be up to snuff. But I’m certainly not about to leave you without something that will uplift you and make you smarter. Nothing’s seriously wrong with me–just run down due […]

Jul 24, 2014 • 10:37

An Introduction to the Cash Flow Statement: The One-Page Document That Shows Whether You Will be Rich or Poor in the Long Run RPF0026

An Introduction to the Cash Flow Statement: The One-Page Document That Shows Whether You Will be Rich or Poor in the Long Run RPF0026

The Cash Flow Statement is the one document that you can create which will definitively show whether you can expect your wealth to increase or decrease in the long run. There are only three variables we can manipulate in any financial plan that will affect long-term wealth: The amount of inflows The amount of outflows […]

Jul 23, 2014 • 36:02

Interview with Jacob Lund Fisker, Author of “Early Retirement Extreme: A Philosophical and Practical Guide to Financial Independence” RPF0025

Interview with Jacob Lund Fisker, Author of “Early Retirement Extreme: A Philosophical and Practical Guide to Financial Independence” RPF0025

This show is an interview with Jacob from The Early Retirement Extreme book and blog. Jacob is a former physicist who developed a plan that can help anyone, regardless of income, industry, or background, from where they are to financial independence in 5 years by learning to free themselves from the earn/pay cycle and substituting use of […]

Jul 22, 2014 • 3:05:40

RPF 0004 – How to Save Huge Money on Your Cell Phone Bill (An Interview with I.P. Daley, the Tech Meshugana)

RPF 0004 – How to Save Huge Money on Your Cell Phone Bill (An Interview with I.P. Daley, the Tech Meshugana)

Today’s show is a comprehensive guide that will give you an incredible foundation in how to save big money on your cell phone bills.  Our guest, I.P. Daley from www.techmeshugana.com shares his tips and techniques for how he has lowered all of his communications bills to

Jul 19, 2013 • 2:09:06

RPF 0003 – Book Review and Commentary on “Early Retirement Extreme – A philosophical and practical guide to financial independence”

RPF 0003 – Book Review and Commentary on “Early Retirement Extreme – A philosophical and practical guide to financial independence”

In this episode of the Radical Personal Finance Podcast, we dig into Jacob Lund Fisker’s seminal book “Early Retirement Extreme” for a book review and commentary. I love this book. I think it can serve as an overarching manual for designing your financial plan so that it funds your life.  It’s also one of the […]

Jul 18, 2013 • 1:21:44

RPF 0002 – The first question in financial planning…what do you want?

RPF 0002 – The first question in financial planning…what do you want?

Where do you start when thinking about financial planning?  You have to begin with the end in mind (as Stephen Covey would say): What do you really want?   Why do you want it?   And then, how are you going to achieve it? Every bit of your plan revolves around the answers to those […]

Jul 16, 2013 • 25:30

RPF 0001 – Welcome to the Radical Personal Finance Podcast!

RPF 0001 – Welcome to the Radical Personal Finance Podcast!

A brief introduction to the Radical Personal Finance Podcast, its purpose and goals, and an introduction to your host, Joshua Sheats.

Jul 15, 2013 • 30:27

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