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.
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
27/11/2023 • 38 minutes 36 seconds
"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 encourage you to reflect on the life that you and I now live in comparison. For me, this reflection fills me with Thanksgiving, which is the starting point of living a rich life now. You are rich. I am rich. Let's realize it and act appropriately. Joshua If you prefer to read the story to your children yourself, here is the text I read: https://digi
23/11/2023 • 40 minutes
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!)
22/11/2023 • 1 hour 29 minutes 44 seconds
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
21/11/2023 • 10 minutes 18 seconds
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 week-long Investment Tour of Panama! https://expatmoney.com/radical Buy my course on Internationalization: http://www.internationalescapeplan.com
17/11/2023 • 1 hour 22 minutes 18 seconds
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
16/11/2023 • 55 minutes 1 second
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
Original story: https://x.com/intrepid_p/status/1718021366329565586?s=20 Sign up for my Panama Internationalization and Investment Event! https://expatmoney.com/radical
31/10/2023 • 19 minutes 17 seconds
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
30/10/2023 • 59 minutes 13 seconds
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: Should I become a US Citizen? Should I Invest into US Treasuries Given Today's High Interest Rates? Should I Switch to a Low-Deductible Health Insurance Plan? 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
14/10/2023 • 1 hour 9 minutes 39 seconds
Most Important Steps to Plan for Aging Family Members
13/10/2023 • 40 minutes 47 seconds
Prepare When Times are Good; Invest When Times are Bad
Friday Q&A: Resume Gaps, Speed Reading, High-Cost 403(b), New Job & Career
On today's Friday Q&A we discuss: Should I be worried about a gap on my resume from going back to college? Should I learn to speed read? What should I do with my super-expensive 403(b)? 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://patron.com/radicalpersonalfinance Come to my event in Panama! https://expatmoney.com/radical
29/09/2023 • 1 hour 11 minutes 57 seconds
What the Young Man Should Know
What the Young Man Should Know by Robert Littell, from the March 1933 issue of Harper's Magazine
28/09/2023 • 34 minutes 55 seconds
Friday Q&A: Fix It Up or Sell It, Are CHSM Shares Tax-Deductible, Financial Discussions in Marriage, Math Academy, Ambleside Online
1:30: How to decide to fix up or sell a house 14:36 Are Christian Healthcare Sharing Ministry share payments tax-deductible? 20:20 How should husbands and wives approach their financial discussions? 40:23 Does Joshua still love www.MathAcademy.com 1:11:49 Does Joshua still love www.AblesideOnline.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 in January! https://expatmoney.com/radical
25/09/2023 • 1 hour 59 minutes 55 seconds
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
20/09/2023 • 40 minutes 50 seconds
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?
15/09/2023 • 1 hour 18 minutes 32 seconds
Responding to Senator McConell'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
11/09/2023 • 50 minutes 50 seconds
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
08/09/2023 • 56 minutes 33 seconds
How to 10x Your Income (The 1,000% Formula)
07/09/2023 • 31 minutes 29 seconds
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 Panama in January! https://expatmoney.com/radical
01/09/2023 • 1 hour 7 minutes 36 seconds
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
28/08/2023 • 47 minutes 27 seconds
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 success. Joshua
22/08/2023 • 1 hour 15 minutes 47 seconds
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
11/08/2023 • 42 minutes 51 seconds
The Luckiest Man in Babylon
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
10/08/2023 • 32 minutes 3 seconds
On today's Friday Q&A we discuss: 00:49 Is it ok to take money from a retirment account to pay for college? 8:54 Should we buy out the grandparent's 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! https://expatmoney.com/radical Book a consulting call during my August sale: https://radicalpersonalfinance.com/consult
04/08/2023 • 2 hours 9 minutes 30 seconds
The Clay Tablets From Babylon
Come hang out with me for a week in Panama in January! www.ExpatMoney.com/Radical Book a consulting call. www.RadicalPersonalFinance.com/consult
03/08/2023 • 16 minutes 8 seconds
Announcement: Summer Sale on Consulting is Live (and come hang in Panama!)
How to Transfer Money From a 529 to a Roth IRA (for you OR your child)
August SALE on consulting! www.radicalpersonalfinance.com/consult
01/08/2023 • 53 minutes 52 seconds
Come Hang Out With Me In Panama! (While Building a Bulletproof Plan B)
18/07/2023 • 49 minutes 5 seconds
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? 1:06:10 Should I buy LTC insurance? 1:19:08 How do I negotiate a new job opportunity? To join me next week, go here: https://patreon.com/radicalpersonalfinance Joshua
07/07/2023 • 1 hour 39 minutes 21 seconds
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 do? 1:40:00 How does Joshua do consulting calls? Joshua https://patreon.com/radicalpersonalfinance http://InternationalEscapPlan.com http://BitcoinPrivacyCourse.com http://HackproofCourse
02/06/2023 • 2 hours 10 minutes 59 seconds
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/radicalpersonalfinance Buy my newest course: www.HowToRetireSuccessfully.com And learn how to set up an International escape plan: www.InternationalEscapePlan.com Buy Bitcoin Privately w
26/05/2023 • 2 hours 13 minutes 38 seconds
How to Invest in Your Children at a Very Young Age, Addendum: Invest in the Social Climate and Environment of your Children.
25/05/2023 • 38 minutes 55 seconds
24/05/2023 • 34 minutes 55 seconds
How to Buy Inexpensive Airplane Tickets So You Can Travel the World
23/05/2023 • 46 minutes 10 seconds
947: How to Retire Successfully (My Newest Class!)
Please enroll in my newest class here: www.HowToRetireSuccessfully.com Use code "earlybird" before May 12.
06/05/2023 • 38 minutes 31 seconds
946: The Camel Trader of Babylon
03/05/2023 • 21 minutes 33 seconds
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.
01/05/2023 • 57 minutes 28 seconds
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
01/05/2023 • 4 minutes 41 seconds
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?
28/04/2023 • 29 minutes 59 seconds
942: Don't Start or Donate to a Not-For-Profit Organization (until you consider this...)
27/04/2023 • 1 hour 6 minutes 12 seconds
941: The Walls of Babylon
26/04/2023 • 6 minutes 59 seconds
940: How Much Land Does a Man Need? by Leo Tolstoy
How Much Land Does a Man Need by Leo Tolstoy, written 1886
26/04/2023 • 31 minutes 30 seconds
939: The Gold Lender of Babylon
26/04/2023 • 27 minutes 49 seconds
938: The Tragic End of Billionaire Tony Hsieh
25/04/2023 • 25 minutes 1 second
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
24/04/2023 • 34 minutes 8 seconds
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
22/04/2023 • 35 minutes 54 seconds
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
20/04/2023 • 1 hour 9 minutes 29 seconds
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
19/04/2023 • 1 hour 14 minutes 29 seconds
933: How to Invest in Your Children at a Very Young Age, Part 14: Invest Into Developing a Philosophy and Spirit of Success
19/04/2023 • 1 hour 21 minutes 58 seconds
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
17/04/2023 • 12 minutes
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?
14/04/2023 • 1 hour 10 minutes 36 seconds
The 21st Century Superpower That Will Radically Increase Your Earnings and Impact
13/04/2023 • 1 hour 35 minutes 28 seconds
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.
12/04/2023 • 1 hour 7 seconds
How to Invest in Your Children at a Very Young Age, Part 12: Require Your Children to Memorize (and Teach Them How!)
11/04/2023 • 23 minutes 44 seconds
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
06/04/2023 • 1 hour 19 minutes 39 seconds
Is the US Dollar Losing Its Reserve Currency Status?
Global Currency: The US Dollar Ain't Going Nowhere https://youtu.be/LiR54FPQiCs
05/04/2023 • 57 minutes 28 seconds
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
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
31/03/2023 • 1 hour 57 minutes 15 seconds
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
30/03/2023 • 42 minutes 58 seconds
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
27/03/2023 • 5 minutes 10 seconds
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
24/03/2023 • 2 hours 2 minutes 35 seconds
921: How to Invest in Your Children at a Very Young Age, Part 9: Develop Great Writers
22/03/2023 • 1 hour 23 minutes 33 seconds
920: The Current Challenges and What's Next...
21/03/2023 • 3 minutes 56 seconds
919: How to Invest in Your Children at a Very Young Age, Part 8: Develop Multilingualism
15/03/2023 • 1 hour 39 minutes 58 seconds
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
10/03/2023 • 23 minutes 42 seconds
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?
06/03/2023 • 1 hour 34 minutes 7 seconds
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."
28/02/2023 • 1 hour 6 minutes 49 seconds
915: How to Invest in Your Children at a Very Young Age, Part 6: Catalyze Numeracy in Your Children
27/02/2023 • 1 hour 26 minutes 58 seconds
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
23/02/2023 • 48 minutes 14 seconds
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.
22/02/2023 • 1 hour 11 minutes 52 seconds
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
17/02/2023 • 1 hour 17 minutes 7 seconds
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
10/02/2023 • 1 hour 28 minutes 13 seconds
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
07/02/2023 • 1 hour 3 minutes 42 seconds
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
03/02/2023 • 1 hour 15 minutes 18 seconds
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
02/02/2023 • 1 hour 11 minutes 59 seconds
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?
27/01/2023 • 1 hour 46 minutes 43 seconds
906: Five Intelligent Financial Goals for You to Set in 2023!
Sign up before the price increase: http://HackProofCourse.com
25/01/2023 • 38 minutes 32 seconds
HACKPROOF: How to Beat Fraudsters, Prevent Identity Theft, and Say Goodbye to Cybercrime
My newest course is live. Sign up now! http://HackProofCourse.com
09/01/2023 • 12 minutes 34 seconds
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
06/01/2023 • 2 hours 35 minutes 39 seconds
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
28/12/2022 • 1 hour 5 minutes 33 seconds
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
14/12/2022 • 2 hours 46 minutes 31 seconds
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
09/12/2022 • 1 hour 30 minutes 58 seconds
902: How to Buy a Car, Part 5: The Single Best Technique to Source a Quality Used Car
08/12/2022 • 19 minutes 59 seconds
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 How do I figure out if entrepreneurship is right for me?
05/12/2022 • 2 hours 11 minutes 59 seconds
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
01/12/2022 • 28 minutes 11 seconds
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!)
25/11/2022 • 3 minutes 7 seconds
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
22/11/2022 • 30 minutes 17 seconds
899: The Gods of the Copybook Headings with Terror and Slaughter Return!
16/11/2022 • 41 minutes 11 seconds
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
11/11/2022 • 1 hour 34 minutes 15 seconds
897: Important Financial Lessons from the FTX Collapse
10/11/2022 • 1 hour 1 minute 24 seconds
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?
04/11/2022 • 1 hour 40 minutes 51 seconds
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
03/11/2022 • 35 minutes 25 seconds
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
28/10/2022 • 1 hour 31 minutes 56 seconds
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
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
21/10/2022 • 1 hour 22 minutes 41 seconds
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
20/10/2022 • 13 minutes 1 second
Bitcoin Markets/Privacy Update (October)
Go to www.bitcoinprivacycourse.com and use promo code OCTOBER to save $50 (valid only in October).
13/10/2022 • 41 minutes 33 seconds
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
23/09/2022 • 1 hour 33 minutes 52 seconds
889: How to Buy a Car, Part 4: Decide on a New Car vs. Used Car
20/09/2022 • 1 hour 1 minute 7 seconds
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
15/09/2022 • 1 hour 2 minutes 4 seconds
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.com
12/09/2022 • 1 hour 8 minutes 17 seconds
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/
07/09/2022 • 39 minutes 33 seconds
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 what is happening so you can prepare appropriately both defensively and offensively. Joshua Steven's website: www.Harris1234.com Use code RPF20 to save 20% on all Steven's products. Use code MONEY7 to get his "3 Methods of Wealth Creation" class for only $7.
29/08/2022 • 2 hours 53 minutes 26 seconds
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?
26/08/2022 • 1 hour 48 minutes 41 seconds
883: President Biden's Student Loan Debt Cancellation: Facts, Planning Opportunities, and Commentary
25/08/2022 • 1 hour 10 minutes 31 seconds
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
17/08/2022 • 1 hour 49 minutes
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
05/08/2022 • 1 hour 28 minutes 54 seconds
880-How to Buy a Car, Part 2: Decide What You Want and Need in a Car
03/08/2022 • 58 minutes 25 seconds
879-How to Buy a Car, Part 1: Don't Buy a Car If You Can Avoid It
27/07/2022 • 53 minutes 14 seconds
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
15/07/2022 • 1 hour 10 minutes 27 seconds
877-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
14/07/2022 • 1 hour 45 minutes 50 seconds
876-What is a Liberal Education?
22/06/2022 • 1 hour 36 minutes 42 seconds
875-Why Pursue a Classical Education?
From Climbing Parnassus by Tracy Lee Simmons
15/06/2022 • 56 minutes 56 seconds
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?
Today, I bring you a report from a humanitarian relief worker on lessons learned from inside Ukraine. www.creativephilanthropy.blog
30/05/2022 • 59 minutes 23 seconds
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 money? To join me on next week's Q&A go here: https://patreon.com/radicalpersonalfinance Enjoy! Joshua
26/05/2022 • 1 hour 33 minutes 1 second
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
24/05/2022 • 13 minutes 20 seconds
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
20/05/2022 • 1 hour 47 minutes 50 seconds
867-An Inspirational Education Story
19/05/2022 • 33 minutes 9 seconds
866-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 children in. 1:49:00 How will I know when I'm legitimately Coast FI? 2:03:15 How can I negotiate a better deal with my boss? Join me on next week's Q&A at https://patreon.com/radicalpersonalfinance Joshua
13/05/2022 • 2 hours 17 minutes 9 seconds
865-From $14K Per Year to $100M in 7 Years: The Taylor Welch Story
The thread: https://twitter.com/taylorawelch/status/1398703076094222337
12/05/2022 • 39 minutes 48 seconds
864-How to Respond to Turbulent Markets
09/05/2022 • 45 minutes 25 seconds
863-How to Avoid Jail/Court for Domestic Disturbance and Underage Relationships (Inspired by the Johnny Depp and Amber Heard Trial)
27/04/2022 • 47 minutes 59 seconds
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?
22/04/2022 • 1 hour 28 minutes 12 seconds
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?
15/04/2022 • 48 minutes 57 seconds
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
14/04/2022 • 59 minutes 36 seconds
859-The Future of Bitcoin: Lessons Learned from the Bitcoin 2022 Conference
11/04/2022 • 1 hour 1 minute 1 second
858-Financial Lessons Learned from the USA (3 of 3)
04/04/2022 • 51 minutes 41 seconds
857-Financial Lessons Learned from Russia (2 of 3)
23/03/2022 • 1 hour 12 minutes 30 seconds
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
18/03/2022 • 1 hour 38 minutes 4 seconds
855-Financial Lessons Learned from Ukraine (1 of 3)
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
04/03/2022 • 49 minutes 6 seconds
853-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
03/03/2022 • 1 hour 24 minutes 23 seconds
852-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
02/03/2022 • 1 hour 25 minutes 45 seconds
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.
24/02/2022 • 52 minutes 25 seconds
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
24/02/2022 • 26 minutes 43 seconds
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? Enjoy! Join me next week: https://patreon.com/RadicalPersonalFinance Joshua
18/02/2022 • 1 hour 30 minutes
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
17/02/2022 • 1 hour 3 minutes 45 seconds
847-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.
16/02/2022 • 36 minutes 47 seconds
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 language? 1:49:15 How can you get more good things done in your daily schedule? 2:06:45 How do I structure my disability insurance if I'm likely to change jobs frequently? 2:11:52 Why is living in your car such an interesting strategy? 2:27:00 Should a non-resident in the USA build a credit profile in the USA? To join me on next week's Q&A show, go here: <a href= "http
29/01/2022 • 2 hours 38 minutes 13 seconds
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?
21/01/2022 • 2 hours 1 minute 41 seconds
844-Military Listener Disagrees with My Advice on Joining the Military: Here's His Side
20/01/2022 • 24 minutes 30 seconds
843-Global Collapsing Birth Rates Will Radically Affect Our Future
19/01/2022 • 1 hour 3 minutes 59 seconds
842-Moving Around Is Not Conducive to Your Wealth (A Report from 6 Months of Digital Nomadism)
17/01/2022 • 44 minutes 44 seconds
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.com/RadicalPersonalFinance Joshua
14/01/2022 • 2 hours 5 minutes 51 seconds
840-Who Do You Want to Live With? Spend Your Money to Make That Happen
12/01/2022 • 29 minutes 13 seconds
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: https://patreon.com/RadicalPersonalFinance Joshua
07/01/2022 • 1 hour 40 minutes 54 seconds
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 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
21/12/2021 • 2 hours 46 minutes 31 seconds
837-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-Financial-Lifestyle/dp/B08PX7KFS2/
20/12/2021 • 1 hour 41 minutes 5 seconds
836-The Valuable Lifestyle Benefits of a Second Home
10/12/2021 • 34 minutes 49 seconds
835-Why a Vacation Home Might Very Well Be Your Best Investment Ever
09/12/2021 • 1 hour 18 minutes 10 seconds
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?
03/12/2021 • 1 hour 23 minutes 10 seconds
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
03/12/2021 • 1 hour 53 minutes 19 seconds
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 <a href= "https://www.robinsoncur
02/12/2021 • 1 hour 17 minutes 31 seconds
831-"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 encourage you to reflect on the life that you and I now live in comparison. For me, this reflection fills me with Thanksgiving, which is the starting point of living a rich life now. You are rich. I am rich. Let's realize it and act appropriately. Joshua If you prefer to read the story to your children yourself, here is the text I read: https://digi
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?
19/11/2021 • 52 minutes 24 seconds
828-Mrs. RPF is Back! Homeschooling, Worldschooling, and Full-Time Travel with Little Kids
17/11/2021 • 1 hour 10 minutes 25 seconds
827-How Quickly Will Social Security Run Out of Money?
15/11/2021 • 1 hour 24 minutes 36 seconds
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
11/11/2021 • 2 hours 1 minute 51 seconds
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! https://radicalpersonalfinance.com/consult
04/11/2021 • 1 hour 53 minutes 53 seconds
824-Is it Cheaper to Live in Mexico or the USA?
21/10/2021 • 57 minutes 20 seconds
823-Don’t Take My Advice. First Ask Yourself If It Actually Applies to Me Right Now.
19/10/2021 • 16 minutes 10 seconds
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
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 wife about a radical lifestyle? 1:06:30 My mom is headed deep into debt as a result of medical bills, possible into bankruptcy. How do we protect her?
15/10/2021 • 1 hour 23 minutes 53 seconds
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
12/10/2021 • 1 hour 18 minutes 55 seconds
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
11/10/2021 • 25 minutes 41 seconds
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 owners fight back" LA Times: "FBI says fortune seized in Beverly Hills raid was criminals’ loot. Owners say: Where’s the proof?" LA Mag: "<a
06/10/2021 • 1 hour 13 minutes 23 seconds
817-My Biggest Financial Mistakes - Pursuing a Lifestyle of Leisure
25/09/2021 • 35 minutes 12 seconds
816-Global Supply Chains are in Disarray; Buy the Physical Items You Need and Want Now
25/09/2021 • 14 minutes 38 seconds
815-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
15/09/2021 • 40 minutes
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 <a href= "https://home.treasury.gov/system/files/131/General-
14/09/2021 • 1 hour 19 minutes 1 second
813-A Truth About Personal Freedom I Desperately Wish Weren't True
10/09/2021 • 23 minutes 39 seconds
812-My Biggest Financial Mistakes: Not Selling Aggressively
09/09/2021 • 56 minutes 58 seconds
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
03/09/2021 • 1 hour 38 minutes 34 seconds
810-My Biggest Financial Mistakes: Conservatism
30/08/2021 • 1 hour 11 minutes
809-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?
27/08/2021 • 1 hour 43 minutes 53 seconds
808-How to Lower the Stress of Travel
26/08/2021 • 25 minutes 7 seconds
807-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?
20/08/2021 • 53 minutes
805-How to Buy a Quality Used Car Fast
13/08/2021 • 55 minutes 23 seconds
804-Family Travel by Car is Vastly Superior to All Other Options
12/08/2021 • 34 minutes 57 seconds
803-Friday Q&A: More Flag Theory, Debt Management, Etc.
05/08/2021 • 1 hour 36 minutes 11 seconds
802-The Beauty and Excellence of a Conventional Life
04/08/2021 • 1 hour 7 minutes 46 seconds
801-Practical Tools to Travel the World Cheaply
30/07/2021 • 26 minutes 48 seconds
800-Why I Defend Billionaires
21/07/2021 • 35 minutes 37 seconds
799-When You Have to Run Because…War
16/07/2021 • 17 minutes 35 seconds
798-Family Travel Tips from a Full-Time Nomad Family
796-This is Why You Shouldn't Leave Your Home Country and Go Elsewhere
23/06/2021 • 47 minutes 29 seconds
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
18/06/2021 • 1 hour 27 seconds
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
11/06/2021 • 1 hour 8 minutes 52 seconds
793-How This Man Built a Massive Business in a Frontier Market: Interview with Steve Aronson, Founder of Cafe Britt
09/06/2021 • 1 hour 8 minutes 55 seconds
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 you'd like to be on next weeks Q&A show, sign up here: https://patreon.com/RadicalPersonalFinance Enjoy! Joshua
04/06/2021 • 1 hour 48 minutes 10 seconds
791-Joshua's WhatsApp Metaphor and How It Will Apply to the Changing Financial World
03/06/2021 • 47 minutes 26 seconds
790-Starting a New Country Dedicated to the Principles of Liberty: Interview with Liberland President Vít Jedlička
02/06/2021 • 30 minutes 21 seconds
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 settlement contracts? Enjoy! Joshua https://patreon.com/RadicalPersonalFinance
28/05/2021 • 1 hour 31 minutes 16 seconds
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
20/05/2021 • 1 hour 9 minutes 10 seconds
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
19/05/2021 • 1 hour 3 minutes 20 seconds
786-Is it Safe to Go to Mexico? Or Anywhere?
13/05/2021 • 27 minutes 44 seconds
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: [email protected]
10/05/2021 • 50 minutes 20 seconds
784-I Make Dreams Come True
05/05/2021 • 49 minutes 53 seconds
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 business? 2:01:00 What's wrong with Universal Life Insurance? To join next week's show, go to https://patreon.com/RadicalPersonalFinance
01/05/2021 • 2 hours 20 minutes 51 seconds
782-What to Do When Nothing Is Working and You Feel Like the Darkness is Closing In
28/04/2021 • 36 minutes 11 seconds
781-Disaster is NOT a Strategy
Disaster is NOT a strategy. But you can build a strategy for virtually any disaster. Joshua
22/04/2021 • 12 minutes 50 seconds
780-How Should You Prioritize Tax Costs in Your Decisions?
14/04/2021 • 52 minutes 50 seconds
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
09/04/2021 • 49 minutes 42 seconds
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
08/04/2021 • 36 minutes 29 seconds
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!
05/04/2021 • 26 minutes 1 second
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
22/03/2021 • 29 minutes 55 seconds
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
16/03/2021 • 27 minutes 46 seconds
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 Should I take my money out of my 401(k) using the Coronavirus penalty relief? 40:45 Should I trust the government’s tax promises about my 401(k)? Joshua
12/03/2021 • 47 minutes 18 seconds
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
11/03/2021 • 17 minutes 50 seconds
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
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? 11:06 I've decided not to FIRE as soon as I though; should I buy a vacation property? 25:41 Can going offshore lower my personal liability exposure? 40:52 My wife and I are retiring young. Now what? 54:36 Understanding the options on disability insurance. Enjoy! Joshua p.
05/03/2021 • 1 hour 21 minutes 20 seconds
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.
04/03/2021 • 1 hour 5 minutes 37 seconds
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 Join me on Patreon: https://patreon.com/RadicalPersonalFinance
26/02/2021 • 1 hour 31 minutes 25 seconds
769-The Power of Beta
23/02/2021 • 55 minutes 38 seconds
768-The Psychological Freedom of Ratios
16/02/2021 • 57 minutes 32 seconds
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 quickly build my credit?
12/02/2021 • 1 hour 16 minutes 37 seconds
766-Count the Costs and Your Goals May be Far More Achievable
10/02/2021 • 11 minutes 17 seconds
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
08/02/2021 • 1 minute 28 seconds
765-The Freedom of Frugality
28/01/2021 • 37 minutes 35 seconds
764-Money is the Ultimate Renewable Resource; Time is the Ultimate Non-Renewable Resource
25/01/2021 • 51 minutes 8 seconds
763-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 my cryptocurrency? 1:21:15 Should I keep my home base in the USA or dump it and move? Enjoy! To join next weeks Q&A show, go here: https://patreon.com/RadicalPersonalFinance
15/01/2021 • 1 hour 37 minutes 59 seconds
762-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
14/01/2021 • 48 minutes 39 seconds
761-How to End a Year and Plan a Better One, Part 3: Plan
15/12/2020 • 42 minutes 13 seconds
760-How to End a Year and Plan a Better One, Part 2: Dream
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 my $225k corporate job to be a full-time trader. How can I do it faster? 1:20:45 - Should we keep our old house as a rental? 1:34:38 - Should I participate in my company’s mega-backdoor-Roth? 1:45:20 - Should I move my $1M brokerage account offshore? To jo
04/12/2020 • 2 hours 21 minutes 36 seconds
758-How to End a Year and Plan a Better One, Part 1: Reflect
02/12/2020 • 50 minutes 20 seconds
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
25/11/2020 • 8 minutes 14 seconds
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 for existing podcasters 1:37:16 Should I set up a corporation for my business or keep running it as a sole proprietorship? 1:46:45 If it’s ok to take welfare, why not make a class teaching people how to get it? Enjoy! To join me next week, go here: https://patreon.
13/11/2020 • 1 hour 58 minutes 29 seconds
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 called "How to Survive and Thrive in the Coming Economic Crisis" here: https://radicalpersonalfinance.com/store
09/11/2020 • 1 hour 51 minutes 14 seconds
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 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 will actually make a difference after you've cast your vote for President of the United States. Joshua
02/11/2020 • 1 hour 5 minutes 14 seconds
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
27/10/2020 • 1 hour 54 minutes 45 seconds
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 consulting again. You can book an appointment here: https://radicalpersonalfinance.com/consult If you'd like to join me on next week's Q&A call, join me at https://patreon.com/RadicalPersonalFinance
23/10/2020 • 1 hour 56 minutes 37 seconds
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 awesome! (I own—and paid for—all of them myself.)
19/10/2020 • 2 hours 32 minutes 25 seconds
753-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
16/10/2020 • 1 hour 3 minutes 37 seconds
752-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
09/10/2020 • 1 hour 20 minutes 30 seconds
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 yourself.
08/10/2020 • 1 hour 19 minutes 33 seconds
750-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
02/10/2020 • 1 hour 47 minutes 48 seconds
749-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
28/09/2020 • 2 hours 10 minutes 22 seconds
748-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 Texas. What should I consider in the process? 1:35:27 I'm starting a new business that might fail; how can I protect my assets? 1:51:21 Should I pay off my mortgage? To join me next week, go to https://patreon.com/RadicalPersonalFinance
25/09/2020 • 2 hours 4 minutes 34 seconds
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
21/09/2020 • 1 hour 23 minutes 7 seconds
746-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
18/09/2020 • 1 hour 33 minutes 38 seconds
745-Install a Success Operating System in Your Children
15/09/2020 • 30 minutes 16 seconds
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?
11/09/2020 • 1 hour 26 minutes 16 seconds
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
09/09/2020 • 1 hour 19 minutes 56 seconds
742-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
02/09/2020 • 26 minutes 22 seconds
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
29/08/2020 • 1 hour 42 minutes 13 seconds
740-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
21/08/2020 • 1 hour 38 minutes 50 seconds
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 put my new house into a trust? 1:53:47 Which home security system should I install in my new house?
14/08/2020 • 2 hours 43 seconds
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
27/07/2020 • 1 hour 20 minutes 46 seconds
737-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?
20/07/2020 • 1 hour 29 minutes 38 seconds
736-Tax Planning Advice for an American Couple Moving Abroad to Teach
17/07/2020 • 44 minutes 22 seconds
735-Always Look for the Most Direct and Effective Path to Your Goals
16/07/2020 • 32 minutes 13 seconds
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. We speak about immigration broadly and then specifically with regard to Canada. Enjoy! Joshua Get a free copy of Brandon's book "Second Passport: Your Guide to a Secure Alternative Home for You and Your Family Just in Case!" by emailing Brandon: [email protected] Brandon's website: https://mapleimmigration.ca
08/07/2020 • 1 hour 6 minutes 50 seconds
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 show on Patreon: https://patron.com/radicalpersonalfinance
03/07/2020 • 1 hour 23 minutes 9 seconds
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
26/06/2020 • 1 hour 20 minutes 42 seconds
731-Revolution, Reformation, and Wealth
25/06/2020 • 48 minutes 45 seconds
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
22/06/2020 • 1 hour 17 minutes 5 seconds
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/
10/06/2020 • 1 hour 17 minutes 37 seconds
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-7o9xYp7eE You Have the Right to Remain Innocent video: https://youtu.be/gpkc2FZFR5k BUSTED: The Citizen's Guide to Surviving Police Encounters: https://youtu.be/yqMjMPlXzdA
05/06/2020 • 2 hours 24 minutes 37 seconds
728-Where Are We Right Now?
04/06/2020 • 39 minutes 18 seconds
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
22/05/2020 • 1 hour 27 minutes 33 seconds
726-How to Lower the Emotional Risk of a New Venture
Watch this episode on YouTube: https://youtu.be/BQtrLx0EELw
18/05/2020 • 48 minutes 43 seconds
725-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
15/05/2020 • 1 hour 41 minutes 59 seconds
724-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
11/05/2020 • 48 minutes 34 seconds
723-Seven Rings of Liberty: What Do You Do When You're Free?
Watch this episode on YouTube: https://youtu.be/xBThQszqk4E
06/05/2020 • 39 minutes 50 seconds
722-Why I Don't Miss Investing in the Stock Market
Watch this episode on YouTube: https://youtu.be/3KiE5BOwM9E
04/05/2020 • 1 hour 10 minutes 4 seconds
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 stay home with my son? 1:00:25 - Thoughts and strategies for working at home? 1:05:10 - Update on carnivore dieting?
01/05/2020 • 1 hour 9 minutes
720-Commit to Growth, Exercise Courage, Develop Capability, Find Confidence
01/05/2020 • 23 minutes 33 seconds
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.
21/04/2020 • 1 hour 4 minutes 39 seconds
718-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 sell the property, pay the tax, and wait for the market to decline? 41:43 I'm 28 and just got out of debt. What should I do next? 59:26 How should I start a side business while simultaneously working a high-profit day job?
17/04/2020 • 1 hour 25 minutes 4 seconds
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 from my job? 1:24:12 - How should I set up my new business structure? 1:40:45 - How do I choose between two good job offers?
10/04/2020 • 1 hour 59 minutes 22 seconds
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
07/04/2020 • 1 hour 25 minutes 21 seconds
715-How to Respond to An Emergency Loss of Income
31/03/2020 • 47 minutes 54 seconds
714-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 [email protected] with coupon code MARCHMADNESS All courses are 20% off with code "CORONAVIRUS" at https://radicalpersonalfinance.com/store Take my Family Preparedness class: https://radicalpreparedness.com Use "CORONAVI
27/03/2020 • 1 hour 20 minutes 56 seconds
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: [email protected] 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 their boats at sea… “cruising” it is called. Voyaging belongs to seamen, and to the wanderers of the world who cannot, or will not, fit in. If you are contemplating a voyage and you have the means, abandon the venture until your fortunes change. Only then will you know what the sea is all about. “I’ve always wanted to sail to the south seas, but I can’t afford it.” What these men can’t afford is not to go. They are enmeshed in the cancerous disci
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 of physical currency available to me right now? 1:16:15 How can I properly integrate a Dave Ramsey portfolio into my life?
20/03/2020 • 1 hour 49 minutes 19 seconds
712-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
19/03/2020 • 42 minutes 34 seconds
711-Understanding the Rough Economic, Fiscal, & Monetary Waters Ahead
18/03/2020 • 1 hour 7 minutes 26 seconds
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
15/03/2020 • 1 hour 9 seconds
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 the economy? 51:15 - Can I do tax loss harvesting with two index funds? 54:05 - My wife is a French citizen. Should I also pursue French citizenship? 1:01:00 - How do I know when it is time to buy a stock? 1:03:10 - Should I take a 401(k) loan to set aside for potential opportunities? 1:14:30 - How can I become freer and richer by setting up a nomad lifestyle? 1:47:20 - How can I pr
13/03/2020 • 2 hours 5 minutes 54 seconds
708-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
12/03/2020 • 50 minutes 25 seconds
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
12/03/2020 • 31 minutes 29 seconds
706-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
06/03/2020 • 50 minutes 50 seconds
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: [email protected] Joshua
06/03/2020 • 55 seconds
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 with it? 1:12:50 What citizenships should I establish for my children so they have a brighter economic future? 1:44:41 Should I buy Long-Term Care insurance for myself at age 34? 1:54:42 How should I do asset protection for my real estate portfolio? 2:01:52 When should I exercise my Incentive Stock Options?
02/03/2020 • 2 hours 8 minutes 54 seconds
704-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?
28/02/2020 • 54 minutes 47 seconds
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
26/02/2020 • 1 hour 30 minutes 2 seconds
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 Coronavirus Disease 2019 (COVID-19), February 2020"
24/02/2020 • 1 hour 34 minutes 7 seconds
701-Seven Rings of Liberty: 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
21/02/2020 • 1 hour 7 minutes 24 seconds
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
14/02/2020 • 37 minutes 17 seconds
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
12/02/2020 • 1 hour 34 minutes 59 seconds
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
10/02/2020 • 1 hour 24 minutes 39 seconds
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
04/02/2020 • 50 minutes 23 seconds
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
31/01/2020 • 1 hour 7 minutes 22 seconds
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
28/01/2020 • 26 minutes 13 seconds
695-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're behaving irresponsibly. And you need to prepare for such a thing. To start, you probably need to buy some food. In this show I give you some practical foods to start with. Enjoy, Joshua P.S. Sign up for my live webinar series on Practical Family Preparedness: www.RadicalPreparedness.com
27/01/2020 • 1 hour 5 minutes 13 seconds
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
24/01/2020 • 54 minutes 18 seconds
693-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
16/01/2020 • 1 hour 37 minutes 12 seconds
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
14/01/2020 • 1 hour 1 minute 53 seconds
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
13/01/2020 • 17 minutes 36 seconds
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
10/01/2020 • 1 hour 37 minutes 52 seconds
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
09/01/2020 • 30 minutes 3 seconds
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 are. You can be a human slave and be completely free, if you possess spiritual freedom. For that reason, we begin our series with Spiritual Liberty and a discussion of why Christianity is the superior path to Spiritual Liberty. Joshua
07/01/2020 • 1 hour 6 minutes 50 seconds
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
31/12/2019 • 1 hour 15 minutes 56 seconds
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
19/12/2019 • 18 minutes 6 seconds
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
13/12/2019 • 1 hour 32 minutes 30 seconds
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
12/12/2019 • 41 minutes 40 seconds
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?
06/12/2019 • 1 hour 37 minutes 42 seconds
682-How to Set Financial Goals, Part 2: Why & How
Dig deep—really deep—into the "Why" behind your financial goals. Joshua
03/12/2019 • 29 minutes 54 seconds
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
02/12/2019 • 42 minutes 38 seconds
680-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.gutsense.org Jack's Low Carb Journey: https://www.youtube.com/playlist?list=PLpHUZsnFSzdIEublkmBRRpdLCqKS0axin Jack likes these YouTube Channels: Thomas DeLauer https://www.youtube.com/user/TheTdelauer/featured Dr. Ken Berry <
30/11/2019 • 1 hour 42 minutes 25 seconds
679-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
29/11/2019 • 52 minutes 11 seconds
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
27/11/2019 • 40 minutes 48 seconds
677-Don’t Just Stand There Researching...Try It!
21/11/2019 • 12 minutes 10 seconds
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
07/11/2019 • 1 hour 11 minutes 24 seconds
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! http://patreon.com/radicalpersonalfinance
01/11/2019 • 1 hour 34 minutes 46 seconds
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
25/10/2019 • 1 hour 4 minutes 53 seconds
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
17/10/2019 • 34 minutes 16 seconds
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
09/10/2019 • 1 hour 39 minutes 45 seconds
672-Create The Reality You Will Live In
Listen to the show. Joshua
03/10/2019 • 1 hour 4 minutes 3 seconds
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
30/09/2019 • 54 minutes 35 seconds
670-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
25/09/2019 • 39 minutes 47 seconds
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 and minimalism?
21/09/2019 • 2 hours 3 minutes 55 seconds
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
18/09/2019 • 1 hour 5 minutes 3 seconds
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
16/09/2019 • 9 minutes 18 seconds
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 discuss: The impact of self-confidence on your job hunt. The importance of having work now and not being unemployed for a long time. How to take massive action on your job hunt for quicker results. What types of approaches are most successful for job hunters. Some radical strategies you can plan for that will enable you to simply wait out and enjoy the recession instead of being stressed by it! Enjoy! Jos
12/09/2019 • 1 hour 4 minutes 45 seconds
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. Today's show covers: The importance of planning to avoid emotional stress when you get laid off. The direct impact of losing your income and how to plan for it. The impact that losing your group benefits can have on your financial life. Why you should consider establishing lines of credit before you need them. How you can stockpile both money and the simple necessities of life. The simple things you
10/09/2019 • 1 hour 8 minutes 53 seconds
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 out of a hole), having your engine die can be disastrous. And, if you have a destination in mind (financial independence), losing the engine in your car will at least delay you from reaching your destination. So, the key is plan in advance to not lose the engine. Make sure you're doing the things you need to be doing now to avoid being laid off. Obviously, you can't guarantee that you'll never be laid off, but you can do a lot to improve your possibilities!</
05/09/2019 • 59 minutes 55 seconds
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
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?
30/08/2019 • 1 hour 18 minutes 4 seconds
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
29/08/2019 • 1 minute 7 seconds
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
28/08/2019 • 1 hour 40 minutes 58 seconds
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
22/08/2019 • 1 hour 10 minutes 33 seconds
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
20/08/2019 • 1 hour 37 minutes 36 seconds
661-Back to Basics: The Power of Cash
I want you to use more cash so you can get richer, faster. Joshua
14/08/2019 • 1 hour 7 minutes 38 seconds
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
12/08/2019 • 36 minutes 35 seconds
659-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
07/08/2019 • 1 hour 44 minutes 1 second
658-The Natural Symbiosis Between Prepping and Financial Planning
There is a natural symbiosis between prepping and mainstream financial planning. Here's why. Joshua
05/08/2019 • 1 hour 8 minutes 51 seconds
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
31/07/2019 • 51 minutes 52 seconds
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://radicalpersonalfinance.com/store
29/07/2019 • 1 hour 35 minutes 4 seconds
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
20/07/2019 • 1 hour 8 minutes 5 seconds
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
17/07/2019 • 36 minutes 44 seconds
653-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
15/07/2019 • 46 minutes 30 seconds
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
10/07/2019 • 55 minutes 36 seconds
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
05/07/2019 • 1 hour 9 minutes 48 seconds
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
02/07/2019 • 53 minutes 49 seconds
649-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?
28/06/2019 • 1 hour 54 minutes 45 seconds
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.com/radicalpersonalfinance
21/06/2019 • 2 hours 8 minutes 42 seconds
647-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
21/06/2019 • 1 hour 40 minutes 13 seconds
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/8A1f_rYT4TI Airfare tool: https://kayak.com/explore Airfare tool: https://matrix.itasoftware.com/
17/06/2019 • 52 minutes 23 seconds
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
29/05/2019 • 1 hour 31 minutes 58 seconds
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
27/05/2019 • 11 minutes 9 seconds
643-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
20/05/2019 • 14 minutes 24 seconds
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
10/05/2019 • 46 minutes 24 seconds
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
08/05/2019 • 26 minutes 2 seconds
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
06/05/2019 • 20 minutes 16 seconds
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
03/05/2019 • 46 minutes 43 seconds
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"
23/04/2019 • 51 minutes 59 seconds
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 your wealth. So, you need to choose wisely. In Part 1 of this series, I discussed various ways that you can prepare yourself to be attractive to an excellent wife. In today's show, I do my best to give you an honest assessment of the risks involved so you can choose whether you desire to marry or to remain unmarried.
19/04/2019 • 1 hour 8 minutes 42 seconds
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
09/04/2019 • 58 minutes 19 seconds
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
05/04/2019 • 1 hour 1 minute 59 seconds
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
03/04/2019 • 1 hour 6 minutes 57 seconds
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
01/04/2019 • 41 minutes 49 seconds
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 really important. Tune in to the show to hear why! Joshua Check out my newest course! www.radicalpersonalfinance.com/store
25/03/2019 • 1 hour 19 minutes 3 seconds
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!
21/03/2019 • 24 minutes 29 seconds
630-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 private foundation for my wealth planning?
08/03/2019 • 1 hour 12 minutes 19 seconds
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 interesting commentary. If you're trying to understand the underlying, structural problems more clearly, listen to the show. If you prefer reading, start with these two links: "The federal deficit ballooned at start of new fiscal year, up 77 percent from a year before" - Washington Post <a href= "https://www.washingtonpost.com/business/economy/the-federal-deficit-ballooned-at-start-of-new-fiscal-year-up-77-percent-from-a-year-before/2019/03/05/
07/03/2019 • 2 hours 10 minutes 4 seconds
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 money. The government has only three sources of funds: Taxation (bad for you if you earn money or have wealth) Borrowing (bad for you if you're a citizen, not an investor) Inflation (bad for you if you're a saver) There's enough evidence for honest, careful people to predict the strong probability of future crises. The problem is, we can't know when these crises will occur. But
06/03/2019 • 57 minutes 18 seconds
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
18/02/2019 • 32 minutes 55 seconds
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?
15/02/2019 • 1 hour 8 minutes 47 seconds
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?
08/02/2019 • 58 minutes 32 seconds
624-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
04/02/2019 • 11 minutes 30 seconds
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-month old daughter?
01/02/2019 • 1 hour 40 minutes 7 seconds
622-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
30/01/2019 • 1 hour 31 minutes 48 seconds
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.
25/01/2019 • 56 minutes 5 seconds
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/
22/01/2019 • 1 hour 3 minutes 16 seconds
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.
20/01/2019 • 1 hour 30 minutes 14 seconds
619-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
17/01/2019 • 57 minutes 46 seconds
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
15/01/2019 • 43 minutes 21 seconds
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 almost out of debt; should I store up my emergency fund in a Roth IRA? 56:00 - I want to buy an investment that will pay for my new car instead of just burning all my cash on the car. How do I do that? (For the context of any time-relevant comments relating to current events, this Q&A was recorded on 12/19/2018.)
11/01/2019 • 1 hour 8 minutes 5 seconds
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
09/01/2019 • 44 minutes 11 seconds
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
08/01/2019 • 58 minutes 59 seconds
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
21/12/2018 • 36 minutes 17 seconds
613-A Useful Question to Help You Get Better Advice from Experts
19/12/2018 • 12 minutes 24 seconds
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?
18/12/2018 • 1 hour 18 minutes 21 seconds
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?
17/12/2018 • 45 minutes 58 seconds
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 education? 43:20 - How do you set financial priorities when you’re expecting a baby? 51:15 - How do you plan when you have a highly fluctuating income? 1:00:15 - How do you balance having a stockpile of cash while looking at big personal lifestyle expenses? 1:04:35 - Is Patreon a good option to monetize your website? 1:24:00 - Should our company add a Health Savings Account or Christian Healthcare Sharing Ministry option to our health
14/12/2018 • 1 hour 36 minutes 34 seconds
609-Asset Protection Planning for Mere Mortals - Part 7 - Life Insurance Exemption Planning
13/12/2018 • 45 minutes 42 seconds
608-Asset Protection Planning for Mere Mortals - Part 6 - Retirement Account Exemption Planning
10/12/2018 • 44 minutes 51 seconds
607-The Only 3 Legitimate Reasons to Buy an RV (that I can come up with)
06/12/2018 • 39 minutes 36 seconds
606-Asset Protection Planning for Mere Mortals - Part 5 - Homestead Exemption Planning
03/12/2018 • 36 minutes 7 seconds
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
28/11/2018 • 44 minutes 50 seconds
604-Asset Protection Planning for Mere Mortals - Part 3 - What Is The Problem We're Protecting Against?
20/11/2018 • 59 minutes 10 seconds
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
16/11/2018 • 45 minutes 49 seconds
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: <ul style= "font-family: 'Open Sans', sans-serif; -webkit-font-smoothing: antialiased; caret-color: rgba(0, 0, 0, 0.8); color: rgba(0, 0, 0, 0.8); font-size: 16px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -
15/11/2018 • 1 hour 3 minutes 20 seconds
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 assets and think about the risk you're trying to protect them from. Then make your plans. Details in the show. Joshua Learn how to borrow money that's unsecured by any collateral. (This is good for you if you ever default.) Sign up for my course: www.radicalpersonalfinance.com/creditcardcourse
13/11/2018 • 35 minutes 45 seconds
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
08/11/2018 • 40 minutes 56 seconds
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
06/11/2018 • 30 minutes 49 seconds
Underground History Lesson with John Taylor Gatto (2 of 2)
Audio is pulled from: https://youtu.be/uj8f7ycnUtU
03/11/2018 • 3 hours 27 minutes 35 seconds
Underground History Lesson with John Tayor Gatto (1 of 2)
Audio taken from: https://youtu.be/uj8f7ycnUtU
02/11/2018 • 2 hours 19 minutes 25 seconds
A Short Angry History of Modern Schooling by John Taylor Gatto
01/11/2018 • 1 hour 3 minutes 24 seconds
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
01/11/2018 • 26 minutes 46 seconds
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 towards working as a financial advisor without sacrificing their integrity. Enjoy! Joshua Matt's first interview on RPF: https://radicalpersonalfinance.com/grad-school-to-increase-income/ Matt's PF blog: https://www.designindependence.com/ Matt's financial advisor site: <a
30/10/2018 • 1 hour 7 minutes 18 seconds
596-Building a Life Well Lived: "Observations on Turning 82"
Original article: https://www.charliedaniels.com/soap-box?b_id=4382&pg=1
27/10/2018 • 28 minutes 52 seconds
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
22/10/2018 • 51 minutes 28 seconds
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
19/10/2018 • 43 minutes 39 seconds
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
18/10/2018 • 45 minutes 5 seconds
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
15/10/2018 • 1 hour 13 minutes 45 seconds
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
12/10/2018 • 49 minutes 9 seconds
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
11/10/2018 • 24 minutes 31 seconds
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
10/10/2018 • 12 minutes 5 seconds
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
09/10/2018 • 11 minutes 15 seconds
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
08/10/2018 • 24 minutes 22 seconds
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?
05/10/2018 • 1 hour 23 minutes 19 seconds
585-Credit Cards Are An Incredible Tool (an introduction)
04/10/2018 • 41 minutes 17 seconds
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
25/09/2018 • 1 hour 19 minutes 8 seconds
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 Security? I'm In Graduate School. Should I Get Life Insurance? What Should I Do With an Old Life Insurance Policy?
19/09/2018 • 2 hours 7 minutes 46 seconds
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
14/09/2018 • 56 minutes 44 seconds
581-Understanding Why Money Doesn't Work Sometimes (OR, Understanding Just-In-Time Inventory Management)
Audio was from: https://www.intherabbithole.com/e257/
07/09/2018 • 30 minutes 22 seconds
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/
06/09/2018 • 11 minutes 45 seconds
579-Why and How to Protect Your Garbage from Snoopers and Thieves
578-National Preparedness Month: Common-Sense Discussion on Avoiding Lifestyle Diseases
03/09/2018 • 59 minutes 26 seconds
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?
31/08/2018 • 46 minutes 58 seconds
576-Sometimes You Win, Sometimes You Learn: How to Harvest the Important Lessons from Your Past Financial Failures
28/08/2018 • 25 minutes 3 seconds
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
06/08/2018 • 34 minutes 16 seconds
574-Trading Your Way Through a Vacation
Enjoy the story of this family's quite radical approach to a family "vacation." Joshua
03/08/2018 • 14 minutes 56 seconds
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
03/08/2018 • 14 minutes 54 seconds
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.
02/08/2018 • 51 minutes 3 seconds
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
31/07/2018 • 12 minutes 23 seconds
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
30/07/2018 • 12 minutes 36 seconds
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
27/07/2018 • 10 minutes 7 seconds
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
26/07/2018 • 13 minutes 20 seconds
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, we discuss a bit of the technology of mobile internet connectivity. For many of us, our ability to reliably connect to the internet from the road can open up a location-independent lifestyle. Enjoy! Joshua To contact Scott, email techie 4 hire at live dot com. Please support RPF on Patreon: www.radicalpersonalfinance.com/patron
25/07/2018 • 43 minutes
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 business and the technology that they use that keeps them on the road full-time. Enjoy! Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron
24/07/2018 • 48 minutes 51 seconds
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
23/07/2018 • 13 minutes 27 seconds
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
20/07/2018 • 55 minutes 37 seconds
563-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 email: optoutmedia at gmail dot com
19/07/2018 • 1 hour 1 minute 53 seconds
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
18/07/2018 • 20 minutes 14 seconds
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
17/07/2018 • 8 minutes 31 seconds
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
16/07/2018 • 13 minutes 2 seconds
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
13/07/2018 • 13 minutes 6 seconds
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
12/07/2018 • 17 minutes 12 seconds
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
06/07/2018 • 1 hour 6 minutes 51 seconds
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
04/07/2018 • 13 minutes 39 seconds
557-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
02/07/2018 • 33 minutes 28 seconds
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
29/06/2018 • 1 hour 23 minutes 45 seconds
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
26/06/2018 • 35 minutes 42 seconds
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
12/06/2018 • 39 minutes 22 seconds
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. :)
07/06/2018 • 1 hour 13 minutes 3 seconds
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
04/06/2018 • 38 minutes 8 seconds
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
01/06/2018 • 42 minutes 55 seconds
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
31/05/2018 • 17 minutes 19 seconds
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
29/05/2018 • 13 minutes 39 seconds
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 Activist's Edition. Enjoy the interview, Joshua Christian Economics: Student's Edition https://www.garynorth.com/public/department188.cfm Christian Economics: Teacher's Edition https://www.garynorth.com/public/department193.cfm Dr. North's Bible Commentaries: <a href= "https://www.garynorth.com/public/depart
18/05/2018 • 2 hours 51 minutes 11 seconds
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
15/05/2018 • 50 minutes 11 seconds
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.radicalpersonalfinance.com/increaseincome
14/05/2018 • 1 hour 10 minutes 54 seconds
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 course! Or, email me and let me know what you'd like to talk with me about if you were to have lunch with me. Please sign up for my new course! www.radicalpersonalfinance.com/increaseincome Two good articles on Facebook: http://www.salimvirani.com/facebook/ <a href=
11/05/2018 • 52 minutes 50 seconds
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
10/05/2018 • 40 minutes 28 seconds
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
09/05/2018 • 38 minutes 12 seconds
542-Should You Choose Work You Love or Work That Makes the Most Money?
I'm back! More soon, Joshua
07/05/2018 • 18 minutes 54 seconds
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 Underwriting Art Robinson's story
19/04/2018 • 1 hour 19 minutes 28 seconds
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 drags a little.Hear it through, though. You'll be glad you did. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron Written version of The Law: http://bastiat.org/en/the_law.html
17/04/2018 • 2 hours 6 minutes 7 seconds
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/the-usas-long-term-fiscal-gap-and-why-it-matters-to-you-americas-fiscal-insolvency-and-its-generational-consequences-by-professor-laurence-kotlikoff/ Please support RPF on Patreon: www.radicalp
12/04/2018 • 53 minutes 22 seconds
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.
06/04/2018 • 50 minutes 27 seconds
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 introduction and started the audio of this recording at the point where he begins speaking about personal finances. To hear the full audio or to read a transcript of the entire speech, use this link: http://kingencyclopedia.stanford.edu/encyclopedia/multimediaentry/doc_the_drum_major_instinct/index.html Enjoy, Joshua p.s., ther
04/04/2018 • 29 minutes 37 seconds
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
03/04/2018 • 39 minutes 58 seconds
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
30/03/2018 • 1 hour 30 minutes 30 seconds
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
26/03/2018 • 28 minutes 56 seconds
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
23/03/2018 • 1 hour 3 minutes 23 seconds
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 statistic of police officers in a northeastern state not turning in their rifles after a ban. That particular story I referenced was actually a satire site that I stumbled over without realizing it. I got duped. I have no doubt that the thrust of the story is accurate, but the specifics I cited were flat wrong and untrustworthy. Sorry. p.p.s., My guest in today's show referenced the AR15 as stemming from a military firearm first. The AR15 was deve
21/03/2018 • 58 minutes 56 seconds
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
16/03/2018 • 39 minutes 50 seconds
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
14/03/2018 • 22 minutes 38 seconds
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.
09/03/2018 • 59 minutes 15 seconds
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 have the tools of defense and offense that will cover most situations you could conceivably ever face without making bad financial decisions. Enjoy! Joshua Please support RPF on Patreon! www.RadicalPersonalFinance.com/patron You shouldn't fear a school shooter...they don't happen very much. You should be concerned about being murdered by government agents. 262,000,000 were in the
06/03/2018 • 1 hour 29 minutes 26 seconds
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
02/03/2018 • 1 hour 23 minutes 3 seconds
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 moral defense is warranted. The facts and names of the essay are dated. The arguments are not. As you consider this essay with 25 years of hindsight, do some research into how well the arguments have weathered the test of time. Joshua
01/03/2018 • 36 minutes 52 seconds
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 and gun-lite.) Give it a listen. Even if you are frustrated by the current gun debate, I think you'll find some useful, practical ideas to help you defend your own life and the lives of others--even in a non-permissive environment. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron
27/02/2018 • 1 hour 30 minutes 45 seconds
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
22/02/2018 • 1 hour 2 minutes 39 seconds
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
21/02/2018 • 26 minutes 39 seconds
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
20/02/2018 • 4 minutes 21 seconds
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
19/02/2018 • 32 minutes 24 seconds
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 https://danieljmitchell.wordpress.com/2017/10/16/mirror-mirror-on-the-wall-obama-definitely-was-not-the-biggest-spender-of-all/
14/02/2018 • 1 hour 19 minutes 9 seconds
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
09/02/2018 • 1 hour 23 minutes 59 seconds
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
08/02/2018 • 1 hour 57 seconds
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
07/02/2018 • 58 minutes 44 seconds
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
31/01/2018 • 19 minutes 52 seconds
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/
25/01/2018 • 1 hour 15 minutes 32 seconds
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
24/01/2018 • 38 minutes
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
23/01/2018 • 24 minutes 50 seconds
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
22/01/2018 • 51 minutes 32 seconds
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
19/01/2018 • 37 minutes 31 seconds
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
17/01/2018 • 43 minutes 33 seconds
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
15/01/2018 • 1 hour 21 minutes 38 seconds
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
12/01/2018 • 1 hour 9 minutes 33 seconds
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
11/01/2018 • 43 minutes 5 seconds
509-How Much Does It Cost You to Live Today?
You need to know. Joshua www.RadicalPersonalFinance.com/YNAB www.RadicalPersonalFinance.com.patron
10/01/2018 • 18 minutes 47 seconds
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
08/01/2018 • 29 minutes 16 seconds
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
05/01/2018 • 56 minutes 33 seconds
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
22/12/2017 • 1 hour 14 minutes 49 seconds
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 stable (and ideally independent) is an importa
19/12/2017 • 1 hour 27 minutes 52 seconds
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.
12/12/2017 • 2 hours 3 minutes 10 seconds
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
11/12/2017 • 36 minutes 5 seconds
(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/
08/12/2017 • 1 hour 18 minutes 43 seconds
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 first week of deliveries! Text of the Fair Debt Collection Practices Act Recommended book: "Solve Your Money Troubles: Strategies to Get Out of Debt and Stay that Way" from NOLO press Consumer Credit Counseling Services <a h
06/12/2017 • 1 hour 51 minutes 36 seconds
Thanksgiving Day Greetings (and the Power of Gratitude in Your Financial Life)
22/11/2017 • 12 minutes 39 seconds
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
16/11/2017 • 54 minutes 31 seconds
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 independent in 10 years or less. Joshua Part 1 of this series was: 476 – Pathways to Financial Freedom (in 10 years or less): Expediter Trucking (and other live-on-the-job opportunities)
13/11/2017 • 42 minutes 33 seconds
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 forthcoming divorces and the emotional distress leading to lost productivity. To me, it seemed like an important topic to discuss with regard to finances. But I held back, because I felt as though I would be picking on ideological opponents when they're down and I don't want to be one who rejoices in another's time of distress. Until yesterday. When the allegations came out via the Washington Post against Judge Roy Moore in Alabama, I felt I couldn't stay silen
10/11/2017 • 1 hour 35 minutes 58 seconds
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/
08/11/2017 • 1 hour 9 minutes
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 Journal (if that link doesn't work, use this one)
03/11/2017 • 2 hours 35 minutes 12 seconds
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
02/11/2017 • 1 hour 8 seconds
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
31/10/2017 • 1 hour 2 minutes 33 seconds
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
20/10/2017 • 15 minutes 4 seconds
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
19/10/2017 • 20 minutes 38 seconds
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 responsible/aware then he would not be covered. While my kids are all under 8 right now and this scenario is a ways off as a possibility for us, I'm concerned that when they reach middle/high school age I may need to look into alternatives for a couple reasons: (1) I'm not fully convinced of an investigatory board's ability to discern for sure in such a scenario what was going
18/10/2017 • 43 minutes 42 seconds
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)." <span class="name" style= "margin: 0px; padding: 0px; border: 0px none; outline: 0px none; vertical-align: baseline; background: transparent none repeat scroll 0% 0%; white-space: pre-wrap;" data-wfid="54
17/10/2017 • 59 minutes 12 seconds
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 storage is not an issue, apart from each winter when I have to move it around in and tell myself I'll sell it in the spring. I can make the logical argument to myself that I need to sell this. It is a depreciating asset, costs money to maintain and insure, and it really brings no valu
13/10/2017 • 12 minutes 41 seconds
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
12/10/2017 • 12 minutes 6 seconds
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 insurance policy now that I'm a US resident? Enjoy the show! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron
09/10/2017 • 1 hour 33 minutes 38 seconds
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://americanvision.org/6383/b-a-to-ph-d-for-under-15000-how-i-did-it/ Healthcare Sharing Ministries https://radicalpersonalfinance.com/health-care-sharing-ministries/ Support RPF on Patreon: www.radicalp
05/10/2017 • 51 minutes 1 second
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 my suggestions. If you have additional practical, actionable ideas, I'd love to hear them. Joshua The flashlight I use is the FourSevens Mini Mark II. It's awesome. http://amzn.to/2fMdtNM
03/10/2017 • 29 minutes 5 seconds
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
02/10/2017 • 40 minutes 50 seconds
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-participant-employee/retirement-topics-tax-on-early-distributions <a href= "https://twitter.com/JoshuaSheats/status/913854177721376768" target="_blank"
29/09/2017 • 1 hour 11 minutes 15 seconds
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? <li style= "margin: 4px 0px 4px 20p
28/09/2017 • 27 minutes 28 seconds
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
25/09/2017 • 28 minutes 58 seconds
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
22/09/2017 • 18 minutes 36 seconds
[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
20/09/2017 • 1 hour 50 minutes 8 seconds
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/CreditFreeze.pdf I forgot to mention this on the show, but here's a link for those of you who are readers of the resources. The IRS seems to use social media to find people committing tax fraud.<br
15/09/2017 • 57 minutes 50 seconds
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
13/09/2017 • 1 hour 36 minutes 49 seconds
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
13/09/2017 • 22 minutes 28 seconds
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 are so many tremendously powerful companies who are laser-focused on serving their customers. I learned this at Costco today. And from reading this article: https://www.linkedin.com/pulse/inside-story-what-took-keep-texas-grocery-chain-running-chip-cutter The final 20 minutes of the show involves an off-the-cuff discussion of pract
06/09/2017 • 48 minutes 48 seconds
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
01/09/2017 • 47 minutes 56 seconds
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 on Patr
29/08/2017 • 1 hour 36 minutes 3 seconds
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
28/08/2017 • 52 minutes 54 seconds
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 them into the upper tiers of financial abundance. Enjoy! Joshua The novel I mentioned is Enemies Foreign and Domestic by Matthew Bracken.
22/08/2017 • 40 minutes 49 seconds
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 new Radical Personal Finance Guide to Career & Income Planning. If you're interested, I'd love to have you in the class. Join here: www.radicalpersonalfinance.com/career Joshua
11/08/2017 • 1 hour 11 minutes 12 seconds
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 what to do with it. Enjoy! Joshua Try Hello Fresh to get awesome, pre-measured fresh ingredients delivered right to your front door! Save $30 off your subscription with code RPF30! www.hellofresh.com/rpf30 If you're interested in joining the beta launch of my new Guide to Career and Income Planning, I've got 65 seats
08/08/2017 • 36 minutes 23 seconds
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 common struggles and trials. That said, I don't think it's helpful to talk about problems unless I can also suggest a solution. And, thankfully, I've worked out some solutions to my problems. So, now I'm ready to share the problems with you! I've figured out what's wrong with Radical Personal Finance. And [I think] I've figured out how to fix it! Here's the story... Joshua The book I read from is called <a href="http://amzn.to/2v69tLh" ta
03/08/2017 • 1 hour 22 minutes 37 seconds
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