Investing

Radical Personal Finance: Financial Independence, Early Retirement, Investing, Insurance, Financial Planning

Joshua Sheats @ RadicalPersonalFinance, Certified Financial Planner / Advisor, Early Retirement / Wealth Creation Coach

+10 FANS
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-...Show More
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653-How Tax Rule Changes Can Sink Your Financial Plan (Discussion of H.R. 1994: the SECURE act)

46:30 | Jul 15th

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 cha...Show More
652-Cost of Living vs. Quality of Life (with an international flair)

55:36 | Jul 10th

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
651-Can You Invest Better Than a Hedge Fund Manager?

1:09:48 | Jul 5th

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...Show More
651-Can You Invest Better Than a Hedge Fund Manager?

0:00 | Jul 5th

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...Show More
650-The Case for Pop-Up Campers

53:49 | Jul 2nd

I think a pop up tent camper is an ideal compromise for family vacation travel. In this show, I tell you why. Joshua
649-Friday Q&A: Fiscal Future of the USA, Financial Coaching, International Living, Dividend Investing, Morality of Investing, Quitting my Job, etc.

1:54:45 | Jun 28th

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 divi...Show More
Report on the RPF Mission to Venezuela

1:06:23 | Jun 27th

A month or so ago, I raised money from the listeners of RPF with the goal of helping with the crisis in Venezuela. We ended up raising about $11,000 from the audience, which I converted to cash and sent it in to help. In this audio, we give you a ...Show More
648-Friday Q&A: Sell Crypto to Pay Debt, Adjust Investments for Economic Uncertainty, Adjusting Finances for Divorce, Birth Tourism, Living Abroad, Etc.

2:08:42 | Jun 21st

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 ...Show More
647-Asset Protection Planning for Mere Mortals - Part 12 - Intelligent Asset Titling

1:40:13 | Jun 21st

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
646-How to Travel the World On The Cheap

52:23 | Jun 17th

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 keep...Show More
645-The Power of Choosing Not to Retire

1:31:58 | May 29th

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 ...Show More
644-Who Do You Want to Remember You and What Do You Want to Be Remembered For?

11:09 | May 27th

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
643-Should I Fix My Broken Car or Replace It?

14:24 | May 20th

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
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

46:24 | May 10th

It's Friday! Today, we discuss: 642-Friday Q&A: Taking the Foreign Earned Income Exclusion How Should You Think About FIREing Yourself From A Big-Money Job Joshua
640-The Accidental Millionaire (And What You Can Learn From His Example)

20:16 | May 6th

Today, I tell you the story of the Accidental Millionaire and a few lessons for both of us. Enjoy! Joshua
639-Friday Q&A: International Healthcare, Avoiding Wealth Taxes, Etc.

46:43 | May 3rd

It's Friday! Today we discuss: International healthcare options Avoiding wealth taxes Second passports for children And more! Joshua
Asking for Your Money (But Not For Me)

45:32 | Apr 29th

Today, I have something a little different. I have found a way to personally help some people who truly need help. I'd like you to consider giving some money along with me. Details are in the audio. paypal.me/joshuasheats PO Box 11002 Riviera Beach, ...Show More
638-Asset Protection Planning for Mere Mortals - Part 11 - Wage Exemption Planning

51:59 | Apr 23rd

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...Show More
637-How to Find an Excellent Wife: The Decision

1:08:42 | Apr 19th

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 stat...Show More
636-The Case for Moving to Puerto Rico

58:19 | Apr 9th

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.
635-Friday Q&A: Moving From NY to FL to Cut Taxes, Life Insurance at Work, Investment Philosophy, 529 Plans

1:01:59 | Apr 5th

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 S...Show More
634-The Case for Moving Outside of the United States

1:06:57 | Apr 3rd

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.
633-The Case for Moving to a No-Income-Tax State

41:49 | Apr 1st

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 tryi...Show More
632-Asset Protection Planning for Mere Mortals - Part 10 - Personal Property Exemption Planning

1:19:03 | Mar 25th

Today, we continue our Asset Protection Planning series with a deep look at the Personal Property Exemptions. -Check out my newest course! www.radicalpersonalfinance.com/store
631-Individual Solutions Can Lead to Success and Happiness; Collective Solutions Lead to Frustration and Misery

24:29 | Mar 21st

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. Cho...Show More
630-Friday Q&A: Whole Life Insurance, Walmart for Do-Gooders-of-The-Year, Asset Allocation in Retirement, Paying off Mortgages & More!

1:12:19 | Mar 8th

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

2:10:04 | Mar 7th

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...Show More
628-Federal Debt: The Ticking Bomb that No One is Willing to Defuse

57:18 | Mar 6th

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 no plan that can be created to have us borrow less money in t...Show More
A Personal Chat with Joshua

38:37 | Feb 22nd

A personal chat with Joshua with some show updates and a few juicy personal life updates. (a bit rambly)
627-Asset Protection Planning for Mere Mortals - Part 9 - Health and Education Account Exemption Planning

32:55 | Feb 18th

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 Arrange...Show More
626-Friday Q&A: Capitalism vs. Communism, Umbrella Liability Insurance, Buying a House While in Debt, etc.

1:08:47 | Feb 15th

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 ...Show More
625-Friday Q&A: Maximizing Business Value for a Sale, Preparing for a Meeting with an Estate Attorney, and More!

58:32 | Feb 8th

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...Show More
624-The 5 Possible Future Scenarios (from Fantastic to Catastrophic) and How to Plan for Them

11:30 | Feb 4th

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
623-Friday Q&A: Life Insurance, Protecting Money in Brokerage Accounts, Optimizing Taxes while Living in Bermuda, etc.

1:40:07 | Feb 1st

2:00 - Life insurance advice for a recently married husband 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 t...Show More
622-Asset Protection Planning for Mere Mortals - Part 8 - Annuity Values and Annuity Payments Exemption Planning

1:31:48 | Jan 30th

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
621-Friday Q&A: Investing in Distressed Mortgage Notes, CFA Credential, Roth 401(k) vs. Traditional, Privacy vs. Functionality

56:05 | Jan 25th

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...Show More
Out & About: Interview for "In The Rabbit Hole" Podcast

1:03:16 | Jan 22nd

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/
620-Friday Q&A: Financial Planning for Newlyweds, 401(k)s Without a Match, 529 vs. Roth IRA for College Education

1:30:14 | Jan 20th

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 ...Show More
619-Empathy and Personal Responsibility When Living Paycheck-to-Paycheck: Interview with the Cheap Bohemian

57:46 | Jan 17th

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 @Chea...Show More
618-Reflections on the State of the USA From Two Travelers

43:21 | Jan 15th

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
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!

1:08:05 | Jan 11th

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 pr...Show More
615-How to Find an Excellent Wife: The Preparation

58:59 | Jan 8th

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
614-End-of-The-Year Encouragement

36:17 | Dec 21st, 2018

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
612-Q&A: Pay Off Debt or Invest, 529 Plan Optimization, Financial Planning Fees, Tax Issues, College Planning

1:18:21 | Dec 18th, 2018

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? 47:2...Show More
611-Q&A on Dollar Cost Averaging, Roth IRAs for children, Bitcoin as an Asset Protection Tool, Getting into the Financial Planning Industry

45:58 | Dec 17th, 2018

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 w...Show More
610-Friday Q&A: State Competition in Asset Protection Planning, Education, Financial Planning While Pregnant, Is Patreon a Good Funding Option, and More!

1:36:34 | Dec 14th, 2018

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 r...Show More
605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

44:50 | Nov 28th, 2018

605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack
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

45:49 | Nov 16th, 2018

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
602-Asset Protection Planning for Mere Mortals - Part 2 - The Morality and Legality of Asset Protection

1:03:20 | Nov 15th, 2018

In this episode of the podcast we tackle these two questions: Is it legal to engage in asset protection planning? Is it moral to engage in asset protection planning? Short answer? Yes and yes. If that's enough for you, just skip listening to thi...Show More
601-Asset Protection Planning for Mere Mortals - Part 1

35:45 | Nov 13th, 2018

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...Show More
600-A Complete Answer to Whether You Should Pay off Debt or Invest

40:56 | Nov 8th, 2018

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
599-Appreciating Our Rich and Peaceful Lives in the Midst of Political Turmoil

30:49 | Nov 6th, 2018

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...Show More
598-"I Quit, I Think" by John Taylor Gatto (1935-2018)

26:46 | Nov 1st, 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/...Show More
597-Debt-Freedom Leads to Career Freedom to Become a Financial Adviser: Interview with Matt Miner from Design Independence

1:07:18 | Oct 30th, 2018

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 t...Show More
595-Credit Card Q&A: Getting Out of Debt, Paying off Student Loans, Using Cards for Business Inventory

51:28 | Oct 22nd, 2018

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
594-Friday Q&A: If I Have No Credit Score (Because I Haven't Borrowed in >25 Years) Should I Start Building It

43:39 | Oct 19th, 2018

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 Fina...Show More
593-Lifestyles of the Frugal and Obscure

45:05 | Oct 18th, 2018

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 inter...Show More
592-Widowed With 12 Children and No Life Insurance! One Woman's Story.

1:13:45 | Oct 15th, 2018

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 tha...Show More
591-Friday Q&A (Credit Card Edition): New Cards, Refinancing Mortgages, and Credit Freezes

49:09 | Oct 12th, 2018

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, g...Show More
590-Who Should Never Have a Credit Card?

24:31 | Oct 11th, 2018

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....Show More
589-How to Manage Cash While You Pay Off Your Credit Cards

12:05 | Oct 10th, 2018

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 Intere...Show More
588-Credit Card Loans Can Provide a Way to Privately Purchase Goods and Services

11:15 | Oct 9th, 2018

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 coup...Show More
587-Credit Card Debt Is A Very Safe Form of Debt

24:22 | Oct 8th, 2018

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 ...Show More
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

1:23:19 | Oct 5th, 2018

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 Pr...Show More
584-When Hurricane Katrina Came Through Town

1:19:08 | Sep 25th, 2018

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
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!

2:07:46 | Sep 19th, 2018

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 ...Show More
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,

56:44 | Sep 14th, 2018

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
575-How & Why I Scanned My Entire Library So I Can Carry It With Me On The Road

34:16 | Aug 6th, 2018

In today's show, I share how and why I scanned my entire library in preparation for my current travels. Enjoy! Joshua
574-Trading Your Way Through a Vacation

14:56 | Aug 3rd, 2018

Enjoy the story of this family's quite radical approach to a family "vacation." Joshua
573-Can You Afford to Work Nine to Five?

14:54 | Aug 3rd, 2018

Not much has changed in 35 years...we still have to do the same calculation. Joshua
572-Full-Time RV Living: A Mid-Action Review

51:03 | Aug 2nd, 2018

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 ...Show More
571-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 5 of 5)

12:23 | Jul 31st, 2018

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
570-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 4 of 5)

12:36 | Jul 30th, 2018

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
569-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 3 of 5)

10:07 | Jul 27th, 2018

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
568-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 2 of 5)

13:20 | Jul 26th, 2018

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
567-Accidental Retirees (pt 2 of 2): Small Businesses that Allow Full-Time Travel and Internet Connectivity on the Road

43:00 | Jul 25th, 2018

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 sm...Show More
566-This Couple Accidentally Retired Early, Sailed Around the World for 10 Years, and RVed Around the USA for 10 More Years - Interview with Scott & Susan, Techie4Hire (pt 1 of 2)

48:51 | Jul 24th, 2018

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. ...Show More
565-You Don't Have to Be Smart to Become Financially Independent...But You Can't Be Stupid (pt. 1 of 5)

13:27 | Jul 23rd, 2018

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
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

55:37 | Jul 20th, 2018

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.radicalpersonalfinan...Show More
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

1:01:53 | Jul 19th, 2018

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 cou...Show More
559-Radical Housing Ideas (1 of 5): Learn the Skills and Build Your Own House

17:12 | Jul 12th, 2018

Today, we begin part 1 of a 5-part series on housing ideas. Enjoy! Joshua
INVITATION: Meet me in Longmont, CO tomorrow afternoon (7/12/18)

02:25 | Jul 11th, 2018

I'm hosting a small meetup tomorrow afternoon in Longmont, CO at 4pm. (Thursday, July 12, 2018 at 4pm) If you're in the Denver area, come see me! Details are in the audio. Listen. Joshua
558-Friday Q&A: a Financial Independence Checkup, Investing in Private Businesses, How to Do Productive Work While Traveling

1:06:51 | Jul 6th, 2018

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/patr...Show More
Celebrate Independence Day by Refusing to Lie: "Live Not By Lies" by Alexander Solzhenitsyn

13:39 | Jul 4th, 2018

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://...Show More
557-You Have the Right to be Financially Independent. Act Like It!

33:28 | Jul 2nd, 2018

You already have an unalienable right to liberty. Now act like it and stop selling yourself back into slavery. Please! Joshua
556-Friday Q&A: Careers in Financial Advice, Should I Convert My IRA to a Roth, What Should I Save Money For?

1:23:45 | Jun 29th, 2018

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
555-Good, Cheap, and Fast! (A Travel Story)

35:42 | Jun 26th, 2018

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!...Show More
554-How to Maintain Financial Peace in the Midst of Turmoil

39:22 | Jun 12th, 2018

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
553-Consider the ROI You're Getting On Your Children's Education

1:13:03 | Jun 7th, 2018

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 ...Show More
552-How to Achieve Your Adventure Faster Than You Ever Thought Possible

38:08 | Jun 4th, 2018

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 poss...Show More
551-Friday Q&A: Am I Financially Independent, Should I Switch Life Insurance Agents, Should I Engage in Tax-Gain Harvesting

42:55 | Jun 1st, 2018

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.radicalpersona...Show More
550-How Much Does It Cost You To Live Today?

17:19 | May 31st, 2018

Calculate your daily cost of living. Then analyze it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron
549-It's Always Cheaper to Feed the Meter than to Pay the Ticket

13:39 | May 29th, 2018

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
548-Christian Economics: An Interview with Dr. Gary North

2:51:11 | May 18th, 2018

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 ...Show More
547-How to Increase Your Income When You've Lost Your Health

50:11 | May 15th, 2018

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://w...Show More
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

1:10:54 | May 14th, 2018

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! (Pric...Show More
545-How to Protect the Experience of Your Rich Life with Good Digital Fences

52:50 | May 11th, 2018

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...Show More
544-How Much Money Do You Need to Earn To Live the Good Life?

40:28 | May 10th, 2018

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! Pri...Show More
543-How to Save More Money Without Hurting Your Lifestyle

38:12 | May 9th, 2018

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 #Incr...Show More
541-How to Protect Your Family From Your Death When You Can't Qualify For Life Insurance

1:19:28 | Apr 19th, 2018

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 chall...Show More
The Law by Frédéric Bastiat (i.e., my 2018 Tax Day celebration)

2:06:07 | Apr 17th, 2018

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 ...Show More
540-Is US Government Bankruptcy a Sure Thing? A Friendly Debate with David Stein, Host of Money for the Rest of Us

53:22 | Apr 12th, 2018

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, ...Show More
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?

50:27 | Apr 6th, 2018

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 Defer...Show More
Money vs. Meaning-"The Drum Major Instinct" by Dr. Martin Luther King, Jr.

29:37 | Apr 4th, 2018

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 pul...Show More
538-Making Sense of the New Car/Used Car Dilemma

39:58 | Apr 3rd, 2018

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
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

1:30:30 | Mar 30th, 2018

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 Ad...Show More
536-The Way to Wealth by Benjamin Franklin

28:56 | Mar 26th, 2018

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://libe...Show More
535-Responding to Listener Comments on An Error in Real Estate Basis Calculations, Radical Financial Plans vs Traditional Plans, What Happened to SudoPay, and More!

1:03:23 | Mar 23rd, 2018

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 cal...Show More
534-Friendly Advice To Help You Buy Your First AR15 Rifle

58:56 | Mar 21st, 2018

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...Show More
533-Friday Q&A: AirBnB Business Deductions, Deductibility of Losses on a Personal Rental, How to Get Great Podcast Guests

39:50 | Mar 16th, 2018

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
532-Spending Money to Save Money

22:38 | Mar 14th, 2018

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
531-Friday Q&A: How to Establish a Will & Trust While Living Internationally, How to Title Life Insurance Policies for Spousal Protection

59:15 | Mar 9th, 2018

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 a...Show More
530-How to Build a Useful Home Armory That Won't Lose Monetary Value and May Save Your Life

1:29:26 | Mar 6th, 2018

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...Show More
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

1:23:03 | Mar 2nd, 2018

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 ...Show More
A Nation of Cowards by Jeffrey Snyder (audio version)

36:52 | Mar 1st, 2018

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.ht...Show More
528-Tools and Tactics for Self-Defense in a Non-Permissive Environment (like a school)

1:30:45 | Feb 27th, 2018

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 scho...Show More
527-How to Buy a Used Car

1:02:39 | Feb 22nd, 2018

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
526-You Bought a Pickup Truck? You Idiot!

26:39 | Feb 21st, 2018

Flipping through my feed and I cannot believe what you just did. You idiot! Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron
525-Living on Lentils and Serving the King

04:21 | Feb 20th, 2018

“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...Show More
524-Why You Shouldn't Use Your 401(k) Money To Pay off Credit Card Debt When You're Unemployed

32:24 | Feb 19th, 2018

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/...Show More
523-Last Week's Fiscal Catastrophe and Your Response

1:19:09 | Feb 14th, 2018

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 ...Show More
522-Feeling Poor This Valentine's Day? Money Can Buy You More Love...if You Handle It Right

1:23:59 | Feb 9th, 2018

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. Josh...Show More
521-How We Chose Our RV for Full-Time Living On The Cheap For a Family of Five

1:00:57 | Feb 8th, 2018

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! J...Show More
520-Coming to See you in 2018!

58:44 | Feb 7th, 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
519-How to Get More Free Stuff!

19:52 | Jan 31st, 2018

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
518-Tools, Tips, and Techniques for Cooking on the Road (So You Can Actually Afford to Travel with Children!)

1:15:32 | Jan 25th, 2018

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://chef...Show More
517-Isaiah's Job

38:00 | Jan 24th, 2018

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 h...Show More
516-Don't Let Your Pursuit of Money Ruin Your Life

24:50 | Jan 23rd, 2018

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
515-Battling Social Sneetchery: 3 Strategies to Consider when Confronting Peer-Pressure Spending

51:32 | Jan 22nd, 2018

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
514-Friday Q&A: Should I Front-Load my 401(k) Contributions, Should I Fire My Financial Advisor For Lack of Value?

37:31 | Jan 19th, 2018

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.radicalpersonalfi...Show More
513-What Gets Measured Gets Managed: How to Apply an Appropriate Level of Granularity to Your Budget Tracking Systems

43:33 | Jan 17th, 2018

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.radicalperso...Show More
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

1:21:38 | Jan 15th, 2018

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. Enj...Show More
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

1:09:33 | Jan 12th, 2018

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 ...Show More
510-Which Expenses in Your Budget Matter the Most?

43:05 | Jan 11th, 2018

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
508-Three Ways to Save Money

29:16 | Jan 8th, 2018

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 ...Show More
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

56:33 | Jan 5th, 2018

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 ...Show More
506-Tax Reform, Bitcoin, Financial Tracking, A Good Cleanse...and Merry Christmas! (End-of-Year Wrapup for 2017)

1:14:49 | Dec 22nd, 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
Out and About: Joshua's Financial Privacy Advice on the Complete Privacy & Security Podcast

1:27:52 | Dec 19th, 2017

(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, 2...Show More
505-Approximately 50 Podcasting Lessons Learned from 500 Episodes of Experience

2:03:10 | Dec 12th, 2017

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 ...Show More
504-Roth IRAs Are Really Awesome Tools (Here's An Example Why)

36:05 | Dec 11th, 2017

If you enjoy learning how common financial instruments can be used to achieve incredible results, you'll enjoy this show. Joshua
(replay) 121-Last-Minute Tax Planning Ideas To Save You Money

1:18:43 | Dec 8th, 2017

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-...Show More
503-Tools and Principles to Help You Fight Nasty With Your Creditors and Win!

1:51:36 | Dec 6th, 2017

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...Show More
Out & About: E232: How to Increase Wealth and Survive Your Likely Disaster (Joshua's Appearance on the In The Rabbit Hole Podcast)

54:31 | Nov 16th, 2017

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
502-Pathways to Financial Freedom (in 10 years or less): RV Mechanic (and other small-scale, mobile trades)

42:33 | Nov 13th, 2017

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 trade...Show More
501-Joshua's Thoughts and Advice On How Men Can Protect Themselves, Their Families, and Their Careers from Being Destroyed by Sexual Scandal

1:35:58 | Nov 10th, 2017

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 m...Show More
Out and About: Joshua's Interview with Phil Taylor on the Masters of Money Podcast

1:09:00 | Nov 8th, 2017

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 ...Show More
500-A Community Celebration of 500 Episodes

2:35:12 | Nov 3rd, 2017

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 n...Show More
499-How to Live In Your Car and Love It!

1:00:08 | Nov 2nd, 2017

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...Show More
498-How to Eat Super, Super Cheap when You're Flat Broke

1:02:33 | Oct 31st, 2017

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 hun...Show More
497-Prioritize Your Life, Not Your Money

15:04 | Oct 20th, 2017

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
496-The Risk of Paying Off Debt Too Fast

20:38 | Oct 19th, 2017

No, that title isn't clickbait. There really is risk created by paying off debt too quickly. Details in the show. Joshua
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?

43:42 | Oct 18th, 2017

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 marijua...Show More
494-Planning for Wildfires

59:12 | Oct 17th, 2017

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...Show More
493-Should I Sell My Harley and Buy Some More Mutual Funds?

12:41 | Oct 13th, 2017

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....Show More
492-Choose Your Hammer Carefully and Stop Beating Up Others for Preferring a Different Hammer

12:06 | Oct 12th, 2017

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 su...Show More
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?

1:33:38 | Oct 9th, 2017

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...Show More
490-Q&A: Paying for a Seminary Degree with Early Distributions from a Retirement Account, Can I Still Become Financially Indpendent if We Move to Paradise First, Should We Sell Our Rental House or Move Back for Tax-Free Gains, Are Healthcare Sharing Minis

51:01 | Oct 5th, 2017

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 ...Show More
489-Lessons From Las Vegas: A Few Practical Ways You Can Prepare For Being Involved in an Active Shooter Scenario

29:05 | Oct 3rd, 2017

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...Show More
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

40:50 | Oct 2nd, 2017

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 c...Show More
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

1:11:15 | Sep 29th, 2017

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 discussi...Show More
486-Ignore the Republicans...What Do You Think Is the Right Approach To Income Taxation and Why?

27:28 | Sep 28th, 2017

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 abou...Show More
484-How Should I Handle a Sizable Gift From My In-Laws?

28:58 | Sep 25th, 2017

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
483-This Too Shall Pass: Keep Pressing Forward

18:36 | Sep 22nd, 2017

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. Joshu...Show More
[REPLAY] How to Protect Your Financial Privacy and Keep Your Accounts Secure: Interview with Justin Carroll from the Complete Privacy and Security Podcast

1:50:08 | Sep 20th, 2017

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 th...Show More
482-The Equifax Data Breach: Background, How It Affects You, and the Minimum Steps You Need to Take to Protect Yourself

57:50 | Sep 15th, 2017

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 Equ...Show More
481-Where Should I Keep My Emergency Fund?

1:36:49 | Sep 13th, 2017

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 ...Show More
How we Fared in Hurricane Irma (personal)

22:28 | Sep 13th, 2017

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
480-Hurricane Irma Musings: The Thin Veneer of Civility and the Thick Adjustability of our Modern Shipping System, Storm Preps, and More

48:48 | Sep 6th, 2017

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 ...Show More
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

47:56 | Sep 1st, 2017

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 lik...Show More
478-The Utility and Morality of Price Gouging

1:36:03 | Aug 29th, 2017

Whenever there's a natural disaster, we have various articles on price gouging's lamentability, to wit, it's harmfulness and illegality. But, is it really bad? I say not. "Price gouging" (or, more accurately stated, the adjustment of market prices to...Show More
477-Practical Financial Planning for Large-Scale Disasters Like the Houston Floods

52:54 | Aug 28th, 2017

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, Chea...Show More
476-Pathways to Financial Freedom (in 10 years or less): Expediter Trucking (and other live-on-the-job opportunities)

40:49 | Aug 22nd, 2017

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 fe...Show More
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?

1:11:12 | Aug 11th, 2017

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 fa...Show More
474-The Interplay of Human & Financial Capital, Wages & Profits, Rents and Business

36:23 | Aug 8th, 2017

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 phil...Show More
473-What's Wrong With Radical Personal Finance?

1:22:37 | Aug 3rd, 2017

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 mi...Show More
471-Friday Q&A: What's the Best Type of Retirement Plan for my Wife's Side Business, How Can I Help My Sister-in-Law Who is Asking me for Financial Advice, Should I Pay Off My Debt as Fast as Possible or Save Up and Pay it Off in Large Chunks?

52:26 | Jul 21st, 2017

On Fridays, I host a Q&A call. Patrons of the show are invited to call in and ask any question they want! Today, we cover: (1:57) What's the best type of retirement plan for my wife's side business? (SEP IRA, SIMPLE IRA, Solo 401(k)?) (16:45) How ca...Show More
470-The Danger of a Financial Plan Built on Extremely Low Spending Projections

35:46 | Jul 20th, 2017

There's been an interesting switch in the world of personal finance wherein some people are building financial plans based on extremely low spending projections. In essence, some people assume that if they can live on an extremely low budget per year...Show More
469-Friday Q&A: Is It Legit That You Can Find Missing Money That's Still Unclaimed, Should I Take Free Housing With a Longer Commute, How Do I Deal With Massive Medical Bills, Do I Need a Personal Insurance Agent, and What Three Books Would Joshua Take to

1:25:26 | Jul 13th, 2017

Welcome to another Friday Q&A Show! Today, we cover: Is It Legit That You Can Find Missing Money That's Still Unclaimed Should I Take Free Housing With a Longer Commute How Do I Deal With Massive Medical Bills Do I Need a Personal Insurance Agent Wh...Show More
468-Friday Q&A: How does an LLC Protect My Liability and Help Me Save on Tax, How Can I Lower My Tax Bill on the Sale of My House

44:47 | Jul 7th, 2017

Friday Q&A is back! Today: How does an LLC Protect My Liability and Help Me Save on Tax? How Can I Lower My Tax Bill on the Sale of My House? If you'd like to participate on a future show, sign up here! www.radicalpersonalfinance.com/patron Joshua
467-Debt: Should we Measure it Based on Financial Risk or Lifestyle Risk?

35:32 | Jun 30th, 2017

I've long struggled to know how to advise people with regard to debt. On the one hand, the use of debt can dramatically increase the financial returns of an investment. On the other hand, debt can have a dramatic negative impact on the lifestyle of t...Show More
466-The USA's Long-Term Fiscal Gap and Why It Matters to You (America’s Fiscal Insolvency and Its Generational Consequences by Professor Laurence Kotlikoff)

43:28 | Jun 21st, 2017

I've alluded to my long-term guess that the US Government will default on many of its current promises. But, I've never really supported that argument. I thought I'd kick that support off today by sharing with you a succinct and coherent description ...Show More
465-How to Build Passive Income By Investing in Raw Land: Interview with Mark Podolsky, the Land Geek

53:44 | Jun 19th, 2017

I've never invested in raw land. My #1 reason? Since raw land has no utility, there's no way to pull income from it. And at this stage of my life, I value income-producing assets. But, my guest on today's show has a great system for solving that prob...Show More
464-The Seasons of Work: How to Get More Important Work Done Without Destroying Your Lifestyle

44:32 | Jun 14th, 2017

Today's episode is Part 2 of a mini-series on the seasons of life. The world of work is changing rapidly. We find ourselves pressed on all sides to do more work and different work. And yet in personal finance circles, the focus of our conversation is...Show More
463-The Usefulness and Prioritization of Money in the Seasons of Your Life

54:52 | Jun 12th, 2017

Poverty is hard. Money helps to make life less hard. But, in our modern world, it's hard to figure out how much money is enough. As you go through the seasons of your life the usefulness of money will wax and wane. Money comes with a cost: time, labo...Show More
462-Understanding your Funeral Options (and How to Save Money when Working with a Funeral Director)

1:16:59 | Jun 5th, 2017

Today I have an interview for you with Ben Higgenbotham, a funeral director who's also well in tune with the Radical Personal Finance philosophy. He's here today to share the inside scoop on how to effectively work with a funeral director so that yo...Show More
461-How to Protect Your Financial Privacy and Keep Your Accounts Secure: Interview with Justin Carroll from the Complete Privacy and Security Podcast

1:50:08 | May 26th, 2017

What do dentists who shoot lions, publicists who make jokes in poor taste on Twitter and Indiana pizza makers have in common? Their lives were suddenly and irrevocably changed for the worst while doing something that they could never have predicte...Show More
460-How to Decide What To Invest In

53:38 | May 24th, 2017

I frequently get this question: "Joshua, what should I invest my money in?" Well, that's a hard question to answer. I'm not you, so how should I know? But, here are the factors I think you should consider in answering that question for yourself: tim...Show More
459-Don't Trust Your Financial Advisor!

29:29 | May 22nd, 2017

Many people are far too free with their personal financial information. This can be very dangerous. You cannot expect your financial advisor to keep your personal information private, secret, and secure. You've got to take steps to protect yourself. ...Show More
458-Mexican Taxis, Drug Cartels, License Plates, Registration Stickers, Goons with Guns...and You!

32:13 | May 18th, 2017

I'm not sure how to explain this one to you via text...perhaps it's just better if you hit play and listen! :) Joshua
Quit Social Media by Dr. Cal Newport

13:51 | May 11th, 2017

I'm a big fan of Cal Newport's work and I stumbled across this TEDx talk that he gave on the topic of social media. Consider his points and see how they might relate to your personal social media usage. It'd be a shame to look back at the end of the ...Show More
457-Celebrating the Arrival of a New Baby!

23:05 | May 9th, 2017

Hey Radicals! Today's show is a little audio ramble among friends to tell you that my wife and I are celebrating the birth of a new little baby boy! (I also tell you about my 3-year-old's first successful investment...and his 100% ROR!) Joshua Epis...Show More
10 Rules for Dealing With the Police (Audio)

38:04 | May 4th, 2017

Rounding out our theme this week of how to survive and thrive during police encounters so that you are not arrested and imprisoned, I bring you an important video by the Flex Your Rights organization. This one is best viewed as a video and is availab...Show More
You Have the Right to Remain Innocent, by Law Professors James Duane and Randy E Barnett

1:26:23 | May 3rd, 2017

This is the audio from a presentation at the CATO Institute by Law Professors James Duane and Randy Barnett. (original video: https://youtu.be/gpkc2FZFR5k) It is a follow up of the concepts outlined in James Duane's excellent book "You Have the Right...Show More
Don't Talk to the Police - James Duane, Law Professor at Regent University School of Law

46:39 | May 2nd, 2017

I urge you to make the time to listen to this presentation about why you should not talk to the police, no matter your guilt or innocence in any matter. This is an audio presentation of this YouTube speech (viewed over 23 million times wherein Regent...Show More
456-Protect Your Money by Arrest-Proofing Yourself and Your Children

2:24:37 | May 1st, 2017

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...Show More
455-A Business Approach That Works For This Stay-At-Home Mome: Interview with Dr. Marilyn Brodeur, Founder of the Infant Dental Center

43:00 | Apr 25th, 2017

My guest today is Dr. Marilyn Brodeur, founder of the Infant Dental Center in Corpus Christi, Texas. Marilyn reached out to me after hearing my response to a caller in Episode 417 who was struggling with a decision of whether to pursue her career asp...Show More
Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss How to Live a Rich Life Now

43:19 | Apr 18th, 2017

I don't have a new, original show for you today. But, I do have this interview that I gave last year on Everything Financial Radio! My segment of the show begins at 22:20. Enjoy! This is the original episode link: http://www.everythingfinancialradi...Show More
454-Friday Q&A: Where Should a 48-Year-Old Focus Financially, Should I Sell a Stock that Makes Up 25% of My Net Worth, Should I Move Across the Country So My Children Can Be Near Their Grandparents, How Strong Is the California Pension System, Should I Co

56:28 | Apr 14th, 2017

It's Friday! That means Q&A: Where Should a 48-Year-Old Focus Financially for Retirement? Should I Sell a Stock that Makes Up 25% of My Net Worth? Should I Move Across the Country So My Children Can Be Near Their Grandparents? How Strong Is the Cali...Show More
452-The Rule of 72

15:10 | Apr 13th, 2017

Today we tackle the Rule of 72 with a quick explanation of what it is and why it's useful to you.
451-The Millionaire Next Door Wealth Index: How Do You Stack Up?

19:09 | Apr 12th, 2017

The Millionaire Next Door Wealth Index: "Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be."
450-Network Marketing, Multi-Level Marketing, & Pyramid Schemes: Are They Legitimate Business Opportunities or a Complete Scam?

48:57 | Apr 11th, 2017

About once a week, I get an email asking me for my opinion on network marketing opportunities. So, today, here is my opinion and advice for you! Joshua Please support Radical Personal Finance on Patreon. www.radicalpersonalfinance.com/patron
Secrets to Success (ETtheHipHopPreacher)

09:02 | Apr 10th, 2017

Here's a great Monday-morning sermon by ETtheHipHopPreacher to kick off your work week. Thank God it's Monday! Original video: https://youtu.be/5fsm-QbN9r8
449-Friday Q&A: How Do You Help Young People Engage in Goalsetting, How Much Debt Is Too Much on Rental Properties, How Do You Help Your Brother-In-Law Learn About Money, Last-Minute Health Savings Account Contributions,

52:34 | Apr 7th, 2017

We do a live Q&A show on Fridays. Today we cover: How Do You Help Young People Engage in Goalsetting? How Much Debt Is Too Much on Rental Properties? How Do You Help Your Brother-In-Law Learn About Money? Last-Minute Health Savings Account Contribut...Show More