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Radical Personal Finance

968 EpisodesProduced by Joshua SheatsWebsite

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 … read more

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50% off digital courses (Black Friday Sale)

November 25th, 2022

3:07

I'm running a huge Black Friday sale on all of my products. Save 50% with coupon code "blackfriday" at:

www.InternationalEscapePlan.com code …

What to Do if You've Just Lost All Your Money

November 11th, 2022

1:34:15

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, …

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

November 4th, 2022

1:40:51

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 …

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

October 28th, 2022

1:31:56

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 …

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

October 21st, 2022

1:22:41

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 …

Bitcoin Markets/Privacy Update (October)

October 13th, 2022

41:33

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

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

September 23rd, 2022

1:33:52

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 …

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

September 15th, 2022

1:02:04

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?

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

September 12th, 2022

1:08:17

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 …

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

September 7th, 2022

39:33

Before you go actually shopping for a car, decide how much to spend. Here are my rules!

Joshua

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

August 29th, 2022

2:53:26

In today's podcast, Steven Harris and I discuss the STRONG likelihood of global famine over the coming years and carefully analyze the underlying …

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

August 26th, 2022

1:48:41

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 …

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

August 17th, 2022

1:49:00

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 …

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

August 5th, 2022

1:28:54

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 …

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

July 15th, 2022

1:10:27

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 …

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

July 14th, 2022

1:45:50

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

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

June 10th, 2022

1:15:28

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 …

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

June 8th, 2022

1:52:30

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

www.WatchmanPrivacy.com 

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

May 30th, 2022

59:23

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

www.creativephilanthropy.blog 

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

May 26th, 2022

1:33:01

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 …

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

May 13th, 2022

2:17:09

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 …

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

April 22nd, 2022

1:28:12

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 …

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

April 15th, 2022

48:57

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 …

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

April 14th, 2022

59:36

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 …

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

March 18th, 2022

1:38:04

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 …

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

March 4th, 2022

49:06

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 

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

March 3rd, 2022

1:24:23

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 …

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

March 2nd, 2022

1:25:45

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 …

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

February 24th, 2022

52:25

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.

Protect Yourself and Your Family by Believing That Bad Things Happen

February 24th, 2022

26:43

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.

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

February 18th, 2022

1:30:00

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 …

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

February 17th, 2022

1:03:45

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 …

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

February 16th, 2022

36:47

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

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

January 29th, 2022

2:38:13

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 …

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.

January 21st, 2022

2:01:41

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 …

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

January 14th, 2022

2:05:51

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 …

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

January 7th, 2022

1:40:54

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 …

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

December 21st, 2021

2:46:31

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 …

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

December 20th, 2021

1:41:05

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, …

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

December 3rd, 2021

1:23:10

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 …

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

December 3rd, 2021

1:53:19

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 …

831-"An Old-Fashioned Thanksgiving" by Louisa May Alcott

November 24th, 2021

40:00

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, …

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

November 19th, 2021

52:24

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 …

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

November 11th, 2021

2:01:51

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 …

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

November 4th, 2021

1:53:53

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 …

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

October 18th, 2021

1:46:48

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 …

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

October 15th, 2021

1:23:53

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 …

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

October 12th, 2021

1:18:55

In today's podcast, I share with you:

  1. Why I think the USA is a good place to be right now with regard to personal freedom, even with various rules …

819-My Recent Experiences Teaching My Children French

October 11th, 2021

25:41

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

818-How to Protect Yourself from Civil Asset Forfeiture

October 6th, 2021

1:13:23

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 …

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

September 3rd, 2021

1:38:34

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?

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

August 27th, 2021

1:43:53

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 …

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

August 20th, 2021

53:00

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 …

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

June 18th, 2021

1:00:27

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 …

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

June 11th, 2021

1:08:52

ProPublica made a splash this week with their reporting on the wealthiest 25 Americans' tax returns. Let's discuss!

Joshua

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

June 4th, 2021

1:48:10

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 …

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

May 28th, 2021

1:31:16

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 …

788-Why I Got Bitcoin Wrong: An Apology

May 20th, 2021

1:09:10

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 …

787-The Freedom of Full-Time Family Travel

May 19th, 2021

1:03:20

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 …

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

May 10th, 2021

50:20

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 …

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

May 1st, 2021

2:20:51

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 …

781-Disaster is NOT a Strategy

April 22nd, 2021

12:50

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

Joshua

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

April 9th, 2021

49:42

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 …

Announcement: Big, Big Travel Plans This Year!

April 5th, 2021

26:01

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!

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

March 22nd, 2021

29:55

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 …

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

March 16th, 2021

27:46

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

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)

March 11th, 2021

17:50

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 …

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

March 10th, 2021

1:49:29

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​ …

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

March 5th, 2021

1:21:20

It's Friday and that means live Q&A! But remember that I'm doing a limited-time sale:

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

March 4th, 2021

1:05:37

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

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

February 26th, 2021

1:31:25

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 …

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.

February 12th, 2021

1:16:37

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 …

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

February 8th, 2021

1:28

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 …

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

January 15th, 2021

1:37:59

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 …

762-My 2021 Commitment: To Live Richly, Not Frugally

January 14th, 2021

48:39

In 2021, I resolve to spend more money and not to engage in extreme savings.

Here's why!

Joshua

  • Book a consult with me:

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

December 4th, 2020

2:21:36

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 …

Black Friday Sale...and Thanks!

November 25th, 2020

8:14

Short message today to announce my Black Friday sale and to say thank you. 

  • You can save 55% on all of my courses at

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

November 13th, 2020

1:58:29

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 …

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

November 9th, 2020

1:51:14

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 …

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)

November 2nd, 2020

1:05:14

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 …

Out & About: Emergency Fund Planning, Credit Cards, and Disability Insurance | Joshua's Appearance on the "Life Meets Money" Podcast

October 27th, 2020

1:54:45

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 …

755-Friday Q&A: Inherited Real Estate Taxes, Placeholder Annuities, Teaching Children about Money, Etc.

October 23rd, 2020

1:56:37

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 …

754-How to Invest in Commodities in a Radical Way (Metals, Tools, Food, Alcohol, etc.) | Interview with Steven Harris

October 19th, 2020

2:32:25

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, …

753-Friday Q&A: Financial Privacy, Disability Insurance, Dealing with Insurance Agents, Land Contracts

October 16th, 2020

1:03:37

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

752-Friday Q&A: What to Do after Graduation, Speculating in Stocks, Concealed Carry Insurance, Asset Protection for Real Estate

October 9th, 2020

1:20:30

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 …

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

October 8th, 2020

1:19:33

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:

750-Friday Q&A: Lifestyle Biz for Efficient Taxation, Sales Jobs, Asset Protection, Buying a More Expensive House, Etc.

October 2nd, 2020

1:47:48

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 …

749-Analyzing The NY Times Trump Tax Return Story (In Depth)

September 28th, 2020

2:10:22

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 …

748-Friday Q&A: Better College Jobs, Online Privacy, Investment Income in Early Retirement, Moving to Central America, Etc.

September 25th, 2020

2:04:34

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 …

747-How to Die Broke Like Billionaire Chuck Feeney Will

September 21st, 2020

1:23:07

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 …

746-Friday Q&A: How to Get a Raise, Second Home vs. Investment Property, Saving vs. Giving

September 18th, 2020

1:33:38

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?

744-Friday Q&A: Contractor vs. Employee, Negative Interest Rates, Cash, Emergency Escape from Wildfires, How to Pay Down a Life Insurance Loan

September 11th, 2020

1:26:16

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?

743-Did We Get It Wrong? Reflecting on the Unexpected (?) Recovery of the Stock Market

September 9th, 2020

1:19:56

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 …

742-Great Coronavirus News All Around

September 2nd, 2020

26:22

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 …

741-How to Help Your Children Discover, Develop, and Profit From Their Passions and Talents: Interview with Jonathan Harris

August 29th, 2020

1:42:13

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 …

740-Friday Q&A: Practical Prepping, Medicaid for Early Retirees, New Tow Rig, HOA Woes, Etc.

August 21st, 2020

1:38:50

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 …

739-Friday Q&A: Socializing Children, IRA Taxation for Ex-US Citizens, Foreign Corps, Private Businesses, Etc.

August 14th, 2020

2:00:43

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 …

738-Why Not Skip High School Virtual Classes and Take College Courses Instead?

July 27th, 2020

1:20:46

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 …

737-Friday Q&A: Equity Stripping a House in Divorce, Buy Whole Life Insurance in a Sabbatical, Affirmations in Personal Development, Etc.

July 20th, 2020

1:29:38

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 …

734-How to Move to Canada - and Get a Second Passport!

July 8th, 2020

1:06:50

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 …

733-Friday Q&A: Privacy, Asset Protection, CARES Act Distributions, WWJD, Nomadism vs. Community

July 3rd, 2020

1:23:09

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 …

732-Friday Q&A: Proper Planning for Young People, Infinite Banking, Retirement Income, Etc.

June 26th, 2020

1:20:42

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 …

730-How to Choose Which Foreign Language to Learn to Increase Your Income

June 22nd, 2020

1:17:05

Resource:

  • "Languages for the Future: The foreign languages the United Kingdom needs to become a truly global nation"  

729-Modern Tools to Help You Learn a Foreign Language Faster

June 10th, 2020

1:17:37

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 …

REPLAY 456-Protect Your Money by Arrest-Proofing Yourself and Your Children

June 5th, 2020

2:24:37

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 …

727-Friday Q&A: Credit Score, Helping Parents, Life Insurance on Children, Etc.

May 22nd, 2020

1:27:33

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 …

725-Friday Q&A: Future of the USA, Bank on Yourself, Master's Degree, How to Meet Smart People

May 15th, 2020

1:41:59

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 …

724-The Biggest Lifestyle Improvement Opportunity Available to You Right Now!

May 11th, 2020

48:34

You have an incredible opportunity available to you right now. Don’t miss it!

Watch this episode on YouTube: https://youtu.be/cvFLUsmlMWI

721-Friday Q&A: Stock Market Volatility, For-Profit Schools, Personal Self-Confidence, HELOCs, Etc.

May 1st, 2020

1:09:00

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 …

719-How to Have a Low-Cost Adventure in the Midst of a Financial Depression

April 21st, 2020

1:04:39

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 …

718-Friday Q&A: Credit Card Annual Fees, Like-Kind Exchanges, What to Do Next After Debt, Side Businesses, etc.

April 17th, 2020

1:25:04

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 …

717-Friday Q&A: HELOCs, Deferring Mortgage, Investing for 18-Year-Olds, Moving to the Country, Voluntary Furloughs, Etc.

April 10th, 2020

1:59:22

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 …

716-How to Profit From a Recession

April 7th, 2020

1:25:21

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 …

714-Friday Q&A: COVID-19 Update, Positive Thinking, Working Class Mentality vs. Rich Mentality, Ethical Problems, Market Participation, etc.

March 27th, 2020

1:20:56

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 …

Short Update: Courses, Consulting, and What a Man Really Needs

March 25th, 2020

13:32

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 …

713-Friday Q&A (Please Listen! SERIOUS Financial Concerns Discussed & Analyzed)

March 20th, 2020

1:49:19

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 …

712-Don't Fight the Seas, Simply Change Your Goals Instead

March 19th, 2020

42:34

Your goals can be changed in an instant; the seas cannot. It's easier to simply change your goals than the seas ahead.

Joshua

710-Where Do We Go From Here? (COVID19)

March 15th, 2020

1:00:09

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 …

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.

March 13th, 2020

2:05:54

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 …

708-Warning: Don't Let My Optimism Lead to Your Inaction (Coronavirus)

March 12th, 2020

50:25

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 …

707-Thoughts on COVID-19 Events du Jour

March 12th, 2020

31:29

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!

706-Current Events: Coronavirus, Recession, Stock Market, and Risk Management

March 6th, 2020

50:50

Current events show today. Let's discuss:

  • COVID-19
  • Economic prognostication
  • Stocks
  • Risk Management

Enjoy!

Joshua

Louisville Meetup on Tuesday, March 10

March 6th, 2020

0:55

I'm hosting a public meetup for RPF listeners in Louisville, KY on Tuesday, March 10 (evening).

If you'd like to come, email me for details: joshua@radicalpersonalfinance.com

Joshua

705-Friday Q&A: Upgrading Lifestyle, Public Speaking Course, MPT, Antibiotics, 401(k)s, Multiple Citizenships, LTC Insurance, Asset Protection for Real Estate, ISOs

March 2nd, 2020

2:08:54

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 …

704-Friday Q&A: Master's Degree, Changing Income, Cancel Whole Life Insurance, Pay Off Mortgage Early, etc.

February 28th, 2020

54:47

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 …

703-On-the-Ground Insights to Prepare for a Venezuela-Style Economic Collapse

February 26th, 2020

1:30:02

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 …

702-Why You Should Take the Coronavirus Seriously and Prepare

February 24th, 2020

1:34:07

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 …

701-Seven Rings of Liberty: Financial Liberty

February 21st, 2020

1:07:24

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 …

700-Friday Q&A: Should I Break My Lease and Live in My Prius?

February 14th, 2020

37:17

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 …

699-Seven Rings of Freedom: State Liberty

February 12th, 2020

1:34:59

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 …

698-Seven Rings of Freedom: Business Liberty

February 10th, 2020

1:24:39

I'm convinced entrepreneurship provides you with a massive level of personal and lifestyle freedom.

Here's why.

Joshua

697-Seven Rings of Freedom: Spending Liberty (Part 2 of 2)

February 4th, 2020

50:23

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

696-Seven Rings of Freedom: Spending Liberty (Part 1 of 2)

January 31st, 2020

1:07:22

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

Live Practical Preparedness Class Starting February 3

January 28th, 2020

26:13

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

695-How to Prepare for a Flu/Coronavirus Quarantine

January 27th, 2020

1:05:13

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.

693-Fat Loss & Money: 70 Pounds and Counting

January 16th, 2020

1:37:12

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

692-Seven Rings of Freedom: Family Liberty

January 14th, 2020

1:01:53

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 …

691-Financial Goals for You To Set: Get a Better Job

January 13th, 2020

17:36

You should set a goal of getting a better job. Here's why!

Joshua

690-Seven Rings of Freedom: Spousal Liberty

January 10th, 2020

1:37:52

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 …

689-The Missionary Position

January 9th, 2020

30:03

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

688-Seven Rings of Freedom: Spiritual Liberty

January 7th, 2020

1:06:50

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 …

687-The Decade Past; The Decade To Come

December 31st, 2019

1:15:56

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

685-Friday Q&A: Business Liability Insurance, Life Insurance for Fat People, Short-Term Savings, Dividend Investors

December 13th, 2019

1:32:30

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 …

684-How to Set Financial Goals, Part 3: Count the Cost

December 12th, 2019

41:40

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

683-Friday Q&A: Career Skills, Buying a House, 401(k) Safety, Investing Locally, 1% Fees, etc.

December 6th, 2019

1:37:42

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 …

682-How to Set Financial Goals, Part 2: Why & How

December 3rd, 2019

29:54

Dig deep—really deep—into the "Why" behind your financial goals.

Joshua

681-How To Set Financial Goals, Part 1: Dream and Count the Cost of Your Dreams

December 2nd, 2019

42:38

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 …

680-Ketogenic Eating for Good Health and Rapid Fat Loss with Jack Spirko, Host of The Survival Podcast

November 30th, 2019

1:42:25

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 …

679-Fifty Pounds and Counting: Encouragement For You From My Own Weight Loss Journey

November 29th, 2019

52:11

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 …

678-Live Rich Now By Cultivating Gratitude For Your Trials

November 27th, 2019

40:48

Don't be so future-focused that you miss the lessons and joy of today's trials.

Joshua

676-Medical Tourism: Real-Life Experiences From Myles Wakeham of Be Unconstrained

November 7th, 2019

1:11:24

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 …

675-Friday Q&A: Buying a Business, Minority Shareholder, Gifting a Rental, Refinancing Mortgage, Etc.

November 1st, 2019

1:34:46

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 …

674-Friday Q&A: Sabbaticals, Home-Schooling, Modern Portfolio Theory

October 25th, 2019

1:04:53

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!

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

October 17th, 2019

34:16

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

673-How To Read A Book

October 9th, 2019

1:39:45

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 …

671-Ideas to Help You Build Social Capital and Political Influence

September 30th, 2019

54:35

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 …

670-Building a Big Business With 7 Young Children in the House! Interview with Tim Schmoyer of VideoCreators

September 25th, 2019

39:47

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

669-Friday Q&A: Seminar, Healthcare Risk, Moving States, Parents' Retirement, Etc.

September 21st, 2019

2:03:55

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 …

668-An Immigrant Success Story: Broke to Financially Independent in 12 Years

September 18th, 2019

1:05:03

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 …

667-How To Build a Great Life When Everybody Hates You

September 16th, 2019

9:18

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

REPLAY 194-You Just Got Laid Off. Here's What To Do Next!

September 12th, 2019

1:04:45

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 …

REPLAY 193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

September 10th, 2019

1:08:53

Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might …

REPLAY 192-Recession is Coming: How to Not Get Laid Off In the Next Recession

September 5th, 2019

59:55

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 …

666-How to Prepare for the Coming Recession

September 3rd, 2019

1:13:53

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

665-Friday Q&A: YNAB, Privacy, Inheritances, & Prepping

August 30th, 2019

1:18:04

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 …

Meetup in Washington DC, September 3

August 29th, 2019

1:07

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.

664-Can You Become Financially Independent If You Have Children?

August 28th, 2019

1:40:58

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 …

663-Should Christians Participate in Tax Strikes and Tax Protest Movements?

August 22nd, 2019

1:10:33

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 …

662-Why is Joshua So Anti-Tax?

August 20th, 2019

1:37:36

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

661-Back to Basics: The Power of Cash

August 14th, 2019

1:07:38

I want you to use more cash so you can get richer, faster.

Joshua

660-Back to Basics: The Problem With Debt

August 12th, 2019

36:35

I want you to understand the basic problem with debt so that you'll be prepared to avoid it.

Joshua

659-How My Ideas and Philosophies on Education Have Changed Over the Years

August 7th, 2019

1:44:01

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 …

658-The Natural Symbiosis Between Prepping and Financial Planning

August 5th, 2019

1:08:51

There is a natural symbiosis between prepping and mainstream financial planning. Here's why.

Joshua

657-Mental Money Games to Change Your Behavior for the Better

July 31st, 2019

51:52

A key to life change is behavior modification. And mental money games can help you get there.

Joshua

656-Twelve Interesting Ways to Invest In Your Children

July 29th, 2019

1:35:04

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.

654-A New, Legal Tax Scheme to Help You Save Capital Gains: Qualified Opportunity Zones

July 17th, 2019

36:44

Today we discuss Qualified Opportunity Zones, a legitimately new way for you to potentially save on capital gains taxes.

Joshua

  • Map of designated …

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

July 15th, 2019

46:30

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 …

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

July 10th, 2019

55:36

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?

July 5th, 2019

1:09:48

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 …

650-The Case for Pop-Up Campers

July 2nd, 2019

53:49

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.

June 28th, 2019

1:54:45

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 …

648-Friday Q&A: Sell Crypto to Pay Debt, Adjust Investments for Economic Uncertainty, Adjusting Finances for Divorce, Birth Tourism, Living Abroad, Etc.

June 21st, 2019

2:08:42

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 …

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

June 21st, 2019

1:40:13

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.

646-How to Travel the World On The Cheap

June 17th, 2019

52:23

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 …

645-The Power of Choosing Not to Retire

May 29th, 2019

1:31:58

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 …

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

May 27th, 2019

11:09

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?

May 20th, 2019

14:24

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

May 10th, 2019

46:24

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

640-The Accidental Millionaire (And What You Can Learn From His Example)

May 6th, 2019

20:16

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.

May 3rd, 2019

46:43

It's Friday! Today we discuss:

  • International healthcare options
  • Avoiding wealth taxes
  • Second passports for children
  • And more!

Joshua

638-Asset Protection Planning for Mere Mortals - Part 11 - Wage Exemption Planning

April 23rd, 2019

51:59

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 …

637-How to Find an Excellent Wife: The Decision

April 19th, 2019

1:08:42

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 …

636-The Case for Moving to Puerto Rico

April 9th, 2019

58:19

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, …

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

April 5th, 2019

1:01:59

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 …

634-The Case for Moving Outside of the United States

April 3rd, 2019

1:06:57

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

April 1st, 2019

41:49

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 …

632-Asset Protection Planning for Mere Mortals - Part 10 - Personal Property Exemption Planning

March 25th, 2019

1:19:03

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 …

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

March 8th, 2019

1:12:19

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 …

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

March 7th, 2019

2:10:04

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 …

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

March 6th, 2019

57:18

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 …

627-Asset Protection Planning for Mere Mortals - Part 9 - Health and Education Account Exemption Planning

February 18th, 2019

32:55

Today, we continue the Asset Protection series with an in-depth look at health and education accounts. Specifically, we cover:

  • Health Savings …

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

February 15th, 2019

1:08:47

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 …

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

February 8th, 2019

58:32

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 …

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

February 4th, 2019

11:30

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 …

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

February 1st, 2019

1:40:07

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 …

622-Asset Protection Planning for Mere Mortals - Part 8 - Annuity Values and Annuity Payments Exemption Planning

January 30th, 2019

1:31:48

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

January 25th, 2019

56:05

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 …

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

January 22nd, 2019

1:03:16

This is a recording of an interview I gave for "In The Rabbit Hole."

ITRH: E272: The Truth About Money and Preparedness

Originally published: …

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

January 20th, 2019

1:30:14

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 - …

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

January 17th, 2019

57:46

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,

618-Reflections on the State of the USA From Two Travelers

January 15th, 2019

43:21

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 …

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!

January 11th, 2019

1:08:05

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 …

615-How to Find an Excellent Wife: The Preparation

January 8th, 2019

58:59

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

December 21st, 2018

36:17

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

December 18th, 2018

1:18:21

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 …

611-Q&A on Dollar Cost Averaging, Roth IRAs for children, Bitcoin as an Asset Protection Tool, Getting into the Financial Planning Industry

December 17th, 2018

45:58

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 …

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

December 14th, 2018

1:36:34

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 …

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

November 28th, 2018

44:50

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

November 16th, 2018

45:49

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 …

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

November 15th, 2018

1:03:20

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 …

601-Asset Protection Planning for Mere Mortals - Part 1

November 13th, 2018

35:45

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 …

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

November 8th, 2018

40:56

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 …

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

November 6th, 2018

30:49

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 …

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

November 1st, 2018

26:46

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 …

597-Debt-Freedom Leads to Career Freedom to Become a Financial Adviser: Interview with Matt Miner from Design Independence

October 30th, 2018

1:07:18

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 …

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

October 22nd, 2018

51:28

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:

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

October 19th, 2018

43:39

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 …

593-Lifestyles of the Frugal and Obscure

October 18th, 2018

45:05

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 …

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

October 15th, 2018

1:13:45

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 …

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

October 12th, 2018

49:09

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 …

590-Who Should Never Have a Credit Card?

October 11th, 2018

24:31

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 …

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

October 10th, 2018

12:05

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 …

588-Credit Card Loans Can Provide a Way to Privately Purchase Goods and Services

October 9th, 2018

11:15

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:

587-Credit Card Debt Is A Very Safe Form of Debt

October 8th, 2018

24:22

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 …

584-When Hurricane Katrina Came Through Town

September 25th, 2018

1:19:08

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!

September 19th, 2018

2:07:46

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 …

577-An Honest Analysis of the Good and Bad of Working From Home

August 31st, 2018

46:58

Many people automatically assume that working from home is the best possible way to work. But is it really?

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

August 6th, 2018

34:16

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

August 3rd, 2018

14:56

Enjoy the story of this family's quite radical approach to a family "vacation."

Joshua

573-Can You Afford to Work Nine to Five?

August 3rd, 2018

14:54

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

August 2nd, 2018

51:03

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 …

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

July 31st, 2018

12:23

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)

July 30th, 2018

12:36

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)

July 27th, 2018

10:07

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)

July 26th, 2018

13:20

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

July 25th, 2018

43:00

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 …

566-Accidental Retirees (pt 1 of 2) - Interview with Scott & Susan, Techie4Hire

July 24th, 2018

48:51

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 …

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

July 23rd, 2018

13:27

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

July 20th, 2018

55:37

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 …

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

July 19th, 2018

1:01:53

There are many, many successful, educated, high-earning people who are making unusual life decisions. My guests on today's show are following that …

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

July 12th, 2018

17:12

Today, we begin part 1 of a 5-part series on housing ideas.

Enjoy!

Joshua

 

558-Friday Q&A: a Financial Independence Checkup, Investing in Private Businesses, How to Do Productive Work While Traveling

July 6th, 2018

1:06:51

It's Friday! That means live Q&A! Today we cover:

  • A Financial Independence Checkup
  • Investing in Private Businesses
  • How to Do Productive Work …

Celebrate Independence Day by Refusing to Lie: "Live Not By Lies" by Alexander Solzhenitsyn

July 4th, 2018

13:39

Today is July 4, Independence Day, in the United States.

Let's celebrate by actually behaving independently and rejecting the practice of lying.

557-You Have the Right to be Financially Independent. Act Like It!

July 2nd, 2018

33:28

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?

June 29th, 2018

1:23:45

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 …

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

June 26th, 2018

35:42

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 …

554-How to Maintain Financial Peace in the Midst of Turmoil

June 12th, 2018

39:22

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.

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

June 7th, 2018

1:13:03

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 …

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

June 4th, 2018

38:08

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 …

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

June 1st, 2018

42:55

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 …

550-How Much Does It Cost You To Live Today?

May 31st, 2018

17:19

Calculate your daily cost of living. Then analyze it.

Joshua

549-It's Always Cheaper to Feed the Meter than to Pay the Ticket

May 29th, 2018

13:39

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.

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

May 18th, 2018

2:51:11

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 …

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

May 15th, 2018

50:11

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 …

545-How to Protect the Experience of Your Rich Life with Good Digital Fences

May 11th, 2018

52:50

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 …

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

May 10th, 2018

40:28

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 …

543-How to Save More Money Without Hurting Your Lifestyle

May 9th, 2018

38:12

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 …

541-How to Protect Your Family From Your Death When You Can't Qualify For Life Insurance

April 19th, 2018

1:19:28

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 …

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

April 17th, 2018

2:06:07

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 …

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

April 12th, 2018

53:22

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 …

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?

April 6th, 2018

50:27

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 …

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

April 4th, 2018

29:37

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 …

538-Making Sense of the New Car/Used Car Dilemma

April 3rd, 2018

39:58

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 …

536-The Way to Wealth by Benjamin Franklin

March 26th, 2018

28:56

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 …

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!

March 23rd, 2018

1:03:23

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 …

534-Friendly Advice To Help You Buy Your First AR15 Rifle

March 21st, 2018

58:56

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 …

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

March 16th, 2018

39:50

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 …

532-Spending Money to Save Money

March 14th, 2018

22:38

Today, some ideas on how to save money by spending a little more than strictly necessary to insulate yourself from unnecessary temptation.

Joshua

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

March 9th, 2018

59:15

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 …

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

March 6th, 2018

1:29:26

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 …

A Nation of Cowards by Jeffrey Snyder (audio version)

March 1st, 2018

36:52

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:

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

February 27th, 2018

1:30:45

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 …

527-How to Buy a Used Car

February 22nd, 2018

1:02:39

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:

526-You Bought a Pickup Truck? You Idiot!

February 21st, 2018

26:39

Flipping through my feed and I cannot believe what you just did. You idiot!

Joshua

  • Please support RPF on Patreon:

525-Living on Lentils and Serving the King

February 20th, 2018

4:21

“The philosopher Diogenes was eating bread and lentils for supper. He was seen by the philosopher Aristippus, who lived comfortably by flattering …

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

February 19th, 2018

32:24

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 …

523-Last Week's Fiscal Catastrophe and Your Response

February 14th, 2018

1:19:09

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 …

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

February 9th, 2018

1:23:59

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.

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

February 8th, 2018

1:00:57

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 …

520-Coming to See you in 2018!

February 7th, 2018

58:44

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!

January 31st, 2018

19:52

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 …

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

January 25th, 2018

1:15:32

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 …

517-Isaiah's Job

January 24th, 2018

38:00

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 …

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

January 22nd, 2018

51:32

Social Peer Pressure is significant. And it affects most of us with regard to our spending.

Here are three strategies I think through when …

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

January 19th, 2018

37:31

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?

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

January 17th, 2018

43:33

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 …

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

January 15th, 2018

1:21:38

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 …

510-Which Expenses in Your Budget Matter the Most?

January 11th, 2018

43:05

Today:

  1. Which expenses matter the most?
  2. The value of variable expenses instead of fixed expenses.
  3. The importance of developing skill and resilience.

508-Three Ways to Save Money

January 8th, 2018

29:16

Today we cover the three basic methods to save money:

  1. Buy it cheaper
  2. Make it last longer
  3. Use it less

Any one of these strategies is useful. But the …

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

January 5th, 2018

56:33

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) …

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

December 22nd, 2017

1:14:49

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...

Out and About: Joshua's Financial Privacy Advice on the Complete Privacy & Security Podcast

December 19th, 2017

1:27:52

(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 …

505-Approximately 50 Podcasting Lessons Learned from 500 Episodes of Experience

December 12th, 2017

2:03:10

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 …

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

December 11th, 2017

36:05

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

December 8th, 2017

1:18:43

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 …

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

December 6th, 2017

1:51:36

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 …

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

November 16th, 2017

54:31

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:

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

November 13th, 2017

42:33

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 …

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

November 10th, 2017

1:35:58

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 …

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

November 8th, 2017

1:09:00

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 …

500-A Community Celebration of 500 Episodes

November 3rd, 2017

2:35:12

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 …

499-How to Live In Your Car and Love It!

November 2nd, 2017

1:00:08

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 …

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

October 31st, 2017

1:02:33

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 …

497-Prioritize Your Life, Not Your Money

October 20th, 2017

15:04

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

October 19th, 2017

20:38

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?

October 18th, 2017

43:42

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 …

494-Planning for Wildfires

October 17th, 2017

59:12

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 …

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

October 13th, 2017

12:41

Fun question today for our Friday episode...comes in from Chris:

Joshua,

Looking to see if you have any insight on emotional/psychological decisions …

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

October 12th, 2017

12:06

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 …

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

October 3rd, 2017

29:05

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 …

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

October 2nd, 2017

40:50

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?

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

September 29th, 2017

1:11:15

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 …

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

September 28th, 2017

27:28

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 …

484-How Should I Handle a Sizable Gift From My In-Laws?

September 25th, 2017

28:58

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?

483-This Too Shall Pass: Keep Pressing Forward

September 22nd, 2017

18:36

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 …

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

September 20th, 2017

1:50:08

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 …

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

September 15th, 2017

57:50

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 …

481-Where Should I Keep My Emergency Fund?

September 13th, 2017

1:36:49

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 …

How we Fared in Hurricane Irma (personal)

September 13th, 2017

22:28

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!

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

September 6th, 2017

48:48

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 …

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

September 1st, 2017

47:56

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 …

478-The Utility and Morality of Price Gouging

August 29th, 2017

1:36:03

Whenever there's a natural disaster, we have various articles on price gouging's lamentability, to wit, its harmfulness and illegality.

But, is it …

477-Practical Financial Planning for Large-Scale Disasters Like the Houston Floods

August 28th, 2017

52:54

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 …

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

August 22nd, 2017

40:49

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?

474-The Interplay of Human & Financial Capital, Wages & Profits, Rents and Business

August 8th, 2017

36:23

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 …

473-What's Wrong With Radical Personal Finance?

August 3rd, 2017

1:22:37

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 …

470-The Danger of a Financial Plan Built on Extremely Low Spending Projections

July 20th, 2017

35:46

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 …

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

July 7th, 2017

44:47

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?

467-Debt: Should we Measure it Based on Financial Risk or Lifestyle Risk?

June 30th, 2017

35:32

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 …

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)

June 21st, 2017

43:28

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 …

465-How to Build Passive Income By Investing in Raw Land: Interview with Mark Podolsky, the Land Geek

June 19th, 2017

53:44

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 …

464-The Seasons of Work: How to Get More Important Work Done Without Destroying Your Lifestyle

June 14th, 2017

44:32

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, …

463-The Usefulness and Prioritization of Money in the Seasons of Your Life

June 12th, 2017

54:52

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 …

462-Understanding your Funeral Options (and How to Save Money when Working with a Funeral Director)

June 5th, 2017

1:16:59

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 …

460-How to Decide What To Invest In

May 24th, 2017

53:38

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?

459-Don't Trust Your Financial Advisor!

May 22nd, 2017

29:29

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 …

458-Mexican Taxis, Drug Cartels, License Plates, Registration Stickers, Goons with Guns...and You!

May 18th, 2017

32:13

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

May 11th, 2017

13:51

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 …

457-Celebrating the Arrival of a New Baby!

May 9th, 2017

23:05

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!

10 Rules for Dealing With the Police (Audio)

May 4th, 2017

38:04

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 …

You Have the Right to Remain Innocent, by Law Professors James Duane and Randy E Barnett

May 3rd, 2017

1:26:23

This is the audio from a presentation at the CATO Institute by Law Professors James Duane and Randy Barnett. (original video:

Don't Talk to the Police - James Duane, Law Professor at Regent University School of Law

May 2nd, 2017

46:39

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 …

456-Protect Your Money by Arrest-Proofing Yourself and Your Children

May 1st, 2017

2:24:37

If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye.

You need insurance against that eventuality.

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

April 25th, 2017

43:00

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 …

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss How to Live a Rich Life Now

April 18th, 2017

43:19

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 …

452-The Rule of 72

April 13th, 2017

15:10

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?

April 12th, 2017

19:09

The Millionaire Next Door Wealth Index:

"Multiply your age times your realized pretax annual household income from all sources except inheritances. …

450-Network Marketing, Multi-Level Marketing, & Pyramid Schemes: Are They Legitimate Business Opportunities or a Complete Scam?

April 11th, 2017

48:57

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!

Secrets to Success (ETtheHipHopPreacher)

April 10th, 2017

9:02

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

448-Mythbusting: Your 401(k) Won't Make You Rich! Here's Why...

April 6th, 2017

45:17

I've often made comments like, "Your 401(k) won't make you rich." Or, "People Don't Get Rich Because they Invested in Their 401(k)."

A listener recently asked for clarification on that statement. I thought it was so …

Out & About: My Appearance on "Best Real Estate Advice Ever" with Joe Fairless

April 5th, 2017

22:56

A little while back I gave this interview for Joe Fairless on his show, "Best Real Estate Advice Ever." We focused on the intersection between personal finance and professional financial advice. Enjoy!

Joshua

Out & About: My Appearance on Sound Retirement Planning Podcast with Jason Parker

April 4th, 2017

25:06

Today, please enjoy this recording of my appearance on Episode 107 of the Sound Retirement Planning Podcast with Jason Parker!

This show was recorded in Q4 of 2016.

447-Mythbusting: The Myth of Passive Income

April 3rd, 2017

30:17

I see lots and lots of people talking about the idea of "passive income." Everywhere I look, I hear people talking about passive income and why it's so great!

But, I've heard very few people define the concept and …

445-Should we Keep Paying off Our House with Gazelle Intensity or Switch to Saving 15% for Retirement?

March 30th, 2017

29:48

Today, we cover this question:

Joshua,

My husband and I love your show and would LOVE IT if you could help us answer a question from your …

444-Yes, You Can Afford For Your Wife to Stay At Home...Here's How!

March 29th, 2017

37:13

Today's show comes by inspiration of this listener question: "Joshua, will you please send me a link to the best show on your website for a woman wanting to convince her husband that they can make it financially if she …

443-1 Year, 50 States, 3 Children, $1,000,000, and the Launch of A Brand-New Business: Interview with Anthony Amos from Bathe to Save

March 28th, 2017

39:30

I've really got a great show for you today. It's one that brings together so many things that I love talking about! Travel with Family, Entrepreneurship, Marketing, Financial Independence, and more!

My guest is Anthony …

442-How to Do Your Own Taxes The Easy Way (And Should You Hire an Accountant?)

March 27th, 2017

24:39

It's tax-time! That means that you face a problem: how should you do your taxes? Should you print off the 1040 form from the internet and fill it in …

441-Friday Q&A (Live): How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor; How Can an Early Retiree Calculate If He Has Enough Money

March 24th, 2017

35:12

It's Friday! That means it's time for a live Q&A show.

Today we handle two questions:

  • How Can a 13-Year-Old Young Man Get His Start as a …

440-How to Grow Your Podcast Audience with Effective Marketing

March 23rd, 2017

28:55

Today's show is dedicated to marketing. I focus on answering a specific question about podcast marketing, but I do share a number of tips that are applicable on a broader basis.

Here's the question:

Hi Joshua, I was …

439-Book Review: Unshakeable - Your Financial Freedom Playbook by Tony Robbins

March 22nd, 2017

1:08:47

I wasn't quite sure how I should approach today's book review of Tony Robbins new money book, so I asked the Radical Personal Finance Facebook group.

438-The Audience Demographics of Radical Personal Finance (And What Surprised Me the Most!)

March 21st, 2017

27:33

I recently completed a brief demographic survey of the Radical Personal Finance audience. I learned a ton about who you are! I thought it would be …

437-Mustachianism 101: The Philosophy of Mr. Money Mustache

March 20th, 2017

44:06

On episode 425 of the podcast I interviewed Mr. Money Mustache. That episode was not intended to be an introduction to his teaching or his philosophy; rather, it was a human interest discussion with the man himself.

Special Request: Please Send me a Voicemail and a Picture

March 18th, 2017

5:21

Hey Radicals!

We're quickly coming up on Episode 500 of the show. To celebrate, I'd like to do a special show, exclusively featuring your stories. 1. Will you please record a quick 2- or 3-minute audio message telling …

Out & About: My Interview on the Richer Soul Podast with Rocky Lalvani

March 15th, 2017

1:09:25

I'm traveling today and unable to record. Enjoy my recent interview on the Richer Soul podcast!

436-The Most Valuable Lessons I Learned As a Financial Advisor: #1 Don't Wait for the Business to Come To You...You Go Find It!

March 13th, 2017

26:23

I learned about business and money during my six years working as a financial advisor than at any other time period in my life.

Today I'm kicking off a series sharing some of the lessons that have most deeply impacted …

435-Plan Your Weekend--This Weekend--Like You Plan Your Workweek

March 10th, 2017

11:28

It's Friday. Pay attention. That means the weekend is here. Have you planned and scripted it out for maximum results? Do it.

Love you,

Talk next …

434-Radical Lifestyle Stories: How this Filipina Immigrant Named Ruby is Pursuing Financial Independence in Less Than 10 Years

March 8th, 2017

22:13

My guest today is a lady named Ruby. We met at Camp Mustache SE 2017 a couple of months back and I got to hear her immigrant story! She and her husband are both recent immigrants to the United States and they are …

433-Eighteen Simple, Free (or Very Cheap) Ways to Protect Your Financial Security and Privacy

March 7th, 2017

1:00:14

I've been thinking about computer and data security this weekend and I decided to run with that theme for today's show. I've compiled a simple list of 18 tips for you to enhance your financial security and financial …

432-Gwen (A Fiery Millenial) Gives Her Take on Financial Independence and Early Retirement for Millenials

March 3rd, 2017

31:02

My guest today is Gwen, writer at www.FieryMillenials.com She is a hardcore saver who is working her tail off to reach financial independence and to …

431-How a 22-Year-Old College Grad Should Prioritize Their Steps Towards Financial Independence

February 28th, 2017

32:27

Today I answer this listener question:

Hi Joshua, I am a 22 year old recent college graduate. I have since landed a job and have been working for …

430-Should A Retiring Naval Officer Invest in Real Estate or Do Something Else?

February 27th, 2017

23:55

Today, I answer this question from a listener:

Joshua- Fan of the show and a Naval Officer. I have some questions on overall investing strategy.  I have close to 17 years in the Navy and will likely retire at 20 with a …

429-Should I Use Whole Life Insurance as a College Savings Plan?

February 22nd, 2017

33:14

Listener Allyn writes in with this question: "What are your thoughts on using whole life insurance as a college savings plan? If you don't like it, …

427-Experiments in Financial Independence: Conversation with Jonathan and Brad from ChooseFI.com

February 14th, 2017

31:09

Different people learn in different ways. For that reason, we need many new approaches to helping people learn about financial independence.

I'm glad to bring my new friends Jonathan and Brad on the show to talk about …

426-Friday Q&A: Should I Get Rid of my 3rd Car, What is a Modified Endowment Contract and How Does it Work, What Should We Do With All This Extra Money our Church Just Received

February 10th, 2017

41:18

It's Friday! That means a live Q&A show. Today we tackle:

  • Should I Get Rid of my 3rd Car?
  • What is a Modified Endowment Contract and How Does it …

425-Interview with Mr. Money Mustache! Memorable Moments, Current Projects, Impact on the PF Community

February 7th, 2017

35:39

Today, I bring you an interview with the #1 most requested guest! Mr. Money Mustache himself.

I connected with him while up in Gainesville for Camp Mustache a couple of weeks ago.

This interview isn't about the nuts and …

424-Financial Freedom in Just a Few Years with AirBnB Property Management! Interview with Zeona McIntyre

February 2nd, 2017

30:42

Every day I mention that little slogan, "financial freedom in 10 years or less" in my intro. It's an aggressive, spicy little slogan. But I probably don't do a good enough job of highlighting what that phrase actually …

423-Financial Planning for Your Refugee Status: How to Plan Ahead So You're Not Caught Unprepared as a Refugee

January 31st, 2017

1:15:20

Perhaps you've noticed that the topic of refugees has been in the news. The recent news sparked this question in the Radical Personal Finance Facebook group. If I were unexpectedly detained/deported while I was …

Out & About: My Interview On the Nomad Together Podcast "A Radical Approach to Finance"

January 27th, 2017

52:31

I'm traveling today (appropriately enough), so I'm not able to serve you with a Q&A show today.

Instead, enjoy this recording of my appearance on the Nomad Together Podcast!

This show originally appeared on …

422-Former CEO of Lehman Brothers Opines On Careers, Banking, Money, and Retirement: Interview with Andy Sage

January 26th, 2017

59:03

I have a special treat for you today.

If you had the chance to sit down with the former President and CEO of Lehman Brothers and talk about his …

421-Success --> Failure --> Success, the Hard Way! What You Can Learn About Money and Investing From This Woman Who Lost It All

January 25th, 2017

50:11

I love to learn from people who have experienced great success in their lives. But sometimes, you can learn more from failure than success! Today, I've invited a new friend of mine on the show to learn what she …

420-Radical Lifestyle Stories: How This Young Couple Increased Their Savings Rate From 8% to 80% of Their Income

January 24th, 2017

25:49

My guests today are Joel and Alexis. I met them while hanging out at Camp Mustache SE in Gainesville and was intrigued by their story!

They went from being a fairly typical young couple with a small savings rate to …

419-Why Car Leasing is Simultaneously Crazy Expensive and Crazy Cheap (and How to Get Out of Your Existing Lease!)

January 24th, 2017

38:05

Car leasing is the most expensive way to operate a vehicle. Car leasing is the cheapest way to operate a new vehicle.

Both of those statements are true.

In today's show I explain why!

And I explain how to get out of a …

418-Saturday Q&A: Your Comments, Suggestions, and Questions

January 22nd, 2017

47:19

Quick on-the-road show today to share listeners' suggestions, additional information, feedback, and questions.

Joshua Timestamps: (thanks to the hard work of a listener!)

0:00 Intro 6:00 Joe recommends a …

417-Friday Q&A: Should I Follow Dave Ramsey's Baby Steps and Pay off My House Early, I Had an Unexpected Child...Should I Finish Graduate School or Drop Out to Be a Mom?

January 20th, 2017

1:08:48

On Fridays I host a live Q&A show! This show is open for Patrons to call in and talk with me about anything they want to.

If you'd like to participate in this call, become a Patron!

416-Radical Lifestyle Stories: How Bill Enjoyed a Career of Travel and Adventure and Still Retired at Age 42

January 19th, 2017

1:06:45

My guest today is a man named Bill. We met at Camp Mustache SE this past weekend.

As soon as I heard a little bit of Bill's story, I knew I needed to get him on the show for you!

Bill is a really neat guy. He enjoyed a …

415-Invest in Your Personal Safety: It's Cheap to Do and the Payoff Can Be Massive

January 18th, 2017

20:52

Today I have a simple--but profoundly important--concept for you to consider and embrace: your personal safety.

There are small safety decisions that you can make that have a huge potential impact for you, both monetary …

414-Radical Lifestyle Stories: How This Man Gave Up a Modern Life to Build an Off-Grid House, Farm, and Business Making Handcrafted Pine Coffins! Interview with Don Byrne from Piedmont Pine Coffins

January 17th, 2017

53:42

I always keep my eyes out for interesting and unusual lifestyle stories. Last week when I was researching cheap coffin plans, I came across the $5 DIY coffin plans at PiedmontPineCoffins.com.

Upon further reading I …

413-Why Wait Until You're F.I. to Live Like You're F.I.? My Speech at Camp Mustache SE 2017

January 16th, 2017

50:29

This past weekend I had the privilege of addressing the very fun crowd of hardcore Mustachians gathered in Gainesville, FL for Camp Mustache SE 2017.

411-New Year Homework: How to Check, Monitor, and Freeze Your Credit Score for Free

January 12th, 2017

23:46

The health of your credit score is an important subject. It's important that you keep your credit report squeaky clean and your credit score high.

410-Dow 20,000? What Does it Mean and What Should You Do About It?

January 11th, 2017

46:20

The Dow Jones Industrial Average has been steadily flirting with an all-time record of 20,000 points.

I certainly expect it to cross that threshold …

409-How to Get Yourself Put 6 Feet Under Dirt Cheap!

January 10th, 2017

1:10:53

Ain't it strange how so many of the universal human experiences cost so much?

Childbirth. Marriage. Getting Old. Death. All of them can cost a bunch of money.

But does it have to be that way? Are there alternatives?

Yes.

408-Budget Categories for the New Year that Actually Matter

January 9th, 2017

1:15:19

What's the point of budgeting? Isn't it supposedly supposed to help you get richer?

Well, one way to make budgeting matter is if your budget categories actually help you to understand what's happening with your money.

407-Motorhomes, RVs, Travel Trailers and You: Radical Tips, Ideas, and Good Advice so You Don't Get Taken

January 6th, 2017

1:27:59

I think RVs are awesome. In fact, my family just got back from a very fun 2-week RV trip last week!

But, RVs can also be a major money drain. Much like boats, it's easy to overestimate the pleasure you will get from it …

406-My Plans for RPF in 2017

January 4th, 2017

38:57

Hey Radicals!

Happy new year!

I was planning to come into 2017 with a bang, but a stomach bug turned the bang into a fizzle for me. Oh well!

You'll be hearing some changes to RPF in coming days. I want you to know about …

405-The Health Insurance Series Part 6: HCSM Wrap-Up, Self-Insurance, Direct Primary Care/Concierge Care, Catastrophic Coverage, Dread Disease/Critical Illness Insurance, Doctors on Call

December 16th, 2016

48:03

I missed a couple of important points on the previous show on Health Care Sharing Ministries (HCSMs). Today we wrap those points up with a quick …

404-The Health Insurance Series, Part 5: Health Care Sharing Ministries (this is how we pay for our health care costs in the Sheats family)

December 12th, 2016

1:27:46

Today I tell you why we don't have health insurance in my family and what we do instead! We continue our health insurance series today with a discussion of Christian Health Care Sharing Ministries. Perhaps the Health …

403-The Health Insurance Series, Part 4: How to Avoid (and Evade) the Obamacare Tax Penalty

December 6th, 2016

1:14:05

One of the major burdens that the passage of the Affordable Care Act placed upon us is that we are required by law to maintain health insurance coverage. Or, if we don't, we have to pay a tax penalty.

But, as with most …

401-Annual Income Goals are for Dreamers; Hourly Income Goals are for You (If You're Serious About Your Wealth)

December 2nd, 2016

25:06

So, you set a goal for your income next year. Great! Good job!

That's a nice place to start.

But it does nothing for you if you don't translate it into an hourly income goal.

Listen to the show to find out why and how.

400-The First Two Weeks of December Are Crucial For Your 2017 Success

December 1st, 2016

20:05

I learned the hard way not to wait until the end of December to think about how my past year went and how I wanted my next year to go.

Don't wait.

398-How to Invest In Your Local Community for Financial Profit and Community Gain: Interview With Businessman and Investor Tim Yarbrough

November 17th, 2016

1:14:09

One of the thorny research projects which I'm personally undertaking is to study the most effective ways to invest my money and my life into my local community without passing through the financial services …

397-The Health Insurance Series, Part 3: The Premium Tax Credit (PTC): What It Is, How It Works, and How to Maximize Your Cash From It

November 16th, 2016

34:52

Today we continue our health insurance series with a discussion of the Premium Tax Credit.

The Premium Tax Credit is available for those whose income is between 100% and 400% of the Federal Poverty Level who purchase …

396-Job --> High-Paying Job --> Savings --> Real Estate Investment --> Business --> Financial Freedom: Interview with Joe Fairless, Host of the Best Real Estate Investing Advice Ever Podcast

November 14th, 2016

48:25

Today I've invited real estate investor Joe Fairless on the show. And yes, we chat about real estate.

But, I don't have him on to speak about real …

395-The Health Insurance Series, Part 2: Why I'm Opposed to Obamacare (And Will Probably Be Opposed to Trumpcare When It Comes Along)

November 9th, 2016

1:01:29

Today, I share my thoughts on the Trump/Clinton election and connect it with a discussion of why I'm philosophically and morally opposed to …

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)

November 7th, 2016

1:05:14

In case you haven't heard, this Presidential election is the most important one in your lifetime. And, it will retain that title until November 9 when the 2020 election will take over as reigning champ.

Not only is this …

393-The Health Insurance Series, Part 1: Your Health Is More Important Than Your Health Care or Health Insurance

November 3rd, 2016

35:38

Today we embark on our journey through the wild and woolly world of health insurance.

This topic is utterly frustrating to navigate and incredibly …

392-How to Fight Local Gov to Lower Your Local Tax Bill (aka, An Antidote to Your Current Political Depression): Interview with Paul Dorr from RollBackLocalGov.com

October 28th, 2016

1:00:13

If you look at all of your expenditures and methodically add up all of the money you've spent in the last year on taxes (of all types), you will likely find that taxes are one of your largest spending categories.

So, in …

391-A Few Useful Tax-Planning Techniques: Interview with Craig Cody, CPA, Co-Author of "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss"

October 27th, 2016

36:14

My guest today is Craig Cody, CPA, co-author of the book "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss."

We …

390-How (and Why) to Engineer Your Layoff! Interview with Sam, the Financial Samurai

October 26th, 2016

1:18:57

Have you ever thought about engineering your layoff from your job as a means to advancement to your next opportunity?

After all, if you get laid off …

389-Banish These Two Common Phrases from Your Vocabulary to Take Back Control of Your Life and Your Wealth

October 25th, 2016

16:35

There are two phrases that we commonly use that are very destructive to your personal empowerment.

I recommend that you identify them and remove them …

388-Drunkenness Will Destroy Your Wealth. Don't Participate!

October 21st, 2016

39:38

The title says it all.

Joshua

p.s., Sorry about the double show on the last episode. I am presently without a working computer, but I'll fix it ASAP. 

387-You Should Consider Buying a Chevy Volt as your Next Car. Here's Why!

October 18th, 2016

22:06

From time to time we get buying opportunities that emerge from a wrinkle in the marketplace. I think I see an opportunity right now for those of you …

386-Don't Get Ripped Off: You Should Not Upgrade Your Car in Order to Get Better Gas Mileage!

October 17th, 2016

1:02:44

I shudder and cringe when I hear someone who's thinking about upgrading their car because the new one gets better gas mileage.

I don't often yell, …

Audio of Steven Harris's Family Emergency Preparedness Class

October 14th, 2016

2:51:05

This is an audio file containing Steven Harris's free Family Emergency Preparedness Class.

This class contains very useful and practical information …

Audio of Wendy DeWitt's "Sensible Food Storage" Seminar

October 14th, 2016

58:53

This is an audio-only version of Wendy DeWitt's "Sensible Food Storage" seminar. This is the most practical, complete seminar on home food storage I've ever been able to find.

You can view the original video version of …

385-A Sensible Approach to Food Insurance, aka, Home Food Storage (2 of 2)

October 14th, 2016

30:42

If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at …

384-A Sensible Approach to Food Insurance, aka, Home Food Storage (1 of 2)

October 14th, 2016

45:53

If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at …

383-Budget for the Accessories

October 12th, 2016

38:09

When I make a significant purchase, I always try to pay attention to the process of that purchase.

I analyze my psychology and desire for the item, I …

381-Simple, Cheap, Practical Tips to Help You Prepare for a Coming Hurricane

October 4th, 2016

1:07:45

As I release today's show, Hurricane Matthew is threatening the east coast of Florida and the Carolinas. (Today's show is not specific to Hurricane …

380-Practical Advice for Employees to Dramatically Improve the Trajectory of Your Career

September 30th, 2016

1:05:42

Are you an employee?

Want to make more money?

Want to have a tremendous career?

Listen to this show.

Joshua

  • Patronize me:

379-The Perils of Success (and Why I'm Taking the Filter off the Content of RPF in Order to Maintain and Grow my own Success)

September 29th, 2016

1:22:09

On today's show I cover four of the major perils of success.

Both failure and success have danger points. You might think a lot about the dangers of failure. But are you aware of the perils of success?

Have you thought …

378-You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life: Interview with Author Jason Vitug from Phroogal.com

September 27th, 2016

1:01:15

My guest today is Jason Vitug. Jason has a very interesting story of beginning at the bottom of the work-world, advancing quickly to company leadership, and then walking away to pursue travel and personal business …

Out & About: The Stages of Financial Independence-My Appearance on the Afford Anything Podcast with Paula Pant

September 26th, 2016

1:25:16

I recently appeared on Paula Pant's Afford Anything podcast for an in-depth discussion of the stages of financial independence.

The interview was one …

Quick Announcement: Meet Up With Me in San Diego, CA This Week at #FinCon16

September 21st, 2016

3:19

Hey Radicals!

I'm heading to California today for #FinCon16. I'd love to connect with as many of you as possible while I'm there!

I'll be available on Thursday, Friday, and Saturday (9/22 to 9/24).

Reach out to me on …

377-Should You Go to Graduate School as a Simple Way of Increasing Your Income? Interview with Matt Miner from Design Independence

September 21st, 2016

1:03:18

We know that it's worthwhile to increase income in order to reach our financial goals more quickly. But how can we do that?

One proven way is to get …

376-My Suggestions for How This 13-Year-Old Student Can Be Financially Independent at 30

September 16th, 2016

1:21:45

I received the note below from a listener of my show and today I answer it!

Enjoy,

Joshua

----- Hi Mr. Sheats! I'm a home educated 13-year-old fan …

375-The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life; Interview with Author Lauren Greutman (I Am That Lady from IAmThatLady.com)

September 13th, 2016

1:05:34

My guest today is Lauren Greutman. Lauren has been on RPF before (with her husband Mark) way back at Episode 108.

But today she's back today as part of the book launch tour for her brand-new book: The Recovering …

373-An Introduction to Types of Business Entities: Sole Proprietorship, Partnership, Limited Liability Company (LLC), Limited Liability Partnership (LLP), C Corporation, S Corporation

September 8th, 2016

1:06:56

You want to start a business...so, you have to decide what type of business entity to use, right? 

Well, yes and no. Yes in the sense that it is an …

372-The Power of Cause and Effect: If you Want to Experience an Effect, You Must Initiate the Sequence of Causes That Lead to Its Outcome

September 6th, 2016

40:47

Whatever begins to exist has a cause.

This fundamental truth governs much of your thinking. And yet, have you stopped to consider its application and how you can adjust this to your benefit?

The law of cause and effect …

Out & About: Everything Financial Radio Appearance with Dennis Tubbergen to Discuss Living a Rich Life

September 1st, 2016

39:43

Hey Radicals!

Tough week this week and I'm behind on shows. My apologies!

I thought you might enjoy this recent interview I gave on Everything …

371-Should You Invest in Mobile Homes to Build Wealth in Real Estate? And If So, How? Interview with John Fedro from MobileHomeInvesting.net

August 30th, 2016

44:49

Today's show is dedicated to the idea of mobile home investing. John Fedro stumbled into the mobile home investment business and has since made it his unique area of specialty.

Mobile homes have some unique …

369-Don't Wait for Financial Independence to Enjoy and Plan for Financial Abundance

August 25th, 2016

44:31

Ever since I sat down and designed my "Seven Stages of Financial Independence," I've been a bit bothered by Stage 7: Financial Abundance.

I inserted it at the end of the list because I think that's where it belongs. But …

368-How to Establish, Build, and Utilize Your Business Credit: Interview with Ty Crandall from www.CreditSuite.com

August 23rd, 2016

49:29

Your personal credit and credit rating are an important component of your financial life. But did you know that you can also establish, build, and utilize an entirely separate credit file on your business?

My guest …

366-Lessons Learned from Great Success and Great Failure in Multifamily Real Estate: Interview with Rod Khleif from the Lifetime Cashflow Podcast

August 12th, 2016

45:20

My guest today has been from the lowest of lows to great heights of success. And then he repeated the cycle at least a time or two.

Rod Khleif has owned over 2,000 houses and apartments. He has made millions. And, he …

365-Tips to Hitchhike Europe (or Anywhere Else) on $40 a Week (with a Food Budget of $2 Per Day!) Interview with Philip Frey from Valiant Growth

August 11th, 2016

1:08:54

Do you wish to set out and travel but feel like you lack the money? Well, what if you did it anyway and just adjusted your style of travel to fit a more modest budget?

My guest today is long-time listener of the show, …

364-The Laws of Wealth: Psychology and the Secret to Investing Success: Interview with Author Daniel Crosby

August 9th, 2016

1:10:54

My guest today is Daniel Crosby. Daniel is a behavioral economist and he has applied his expertise to the question of investing.

One of the greatest challenges investors face is managing their own behavior. Daniel has …

The Power of Your Personal Philosophy: Audio from Jim Rohn

August 5th, 2016

22:46

I tried as hard as I could to ship a financial planning show today, but it just didn't get done.

Oh well.

I don't always promise to release audio to …

363-Combating the Effects of a Terminal Illness Diagnosis with Real Estate Prowess (and What's Better--Business or Real Estate?) Interview with Kathy Fettke from the Real Wealth Network

August 3rd, 2016

58:59

My guest today is Kathy Fettke. Kathy has a very interesting story of learning to invest in real estate during a time of personal crisis. She has since leveraged her experience to build a business related to real estate …

362-Making it Big in the USA as an Indian Immigrant: Interview with Manhar Patel

August 2nd, 2016

29:25

I'm fascinated with stories of immigrants to the United States. If you mentally put yourself in the shoes of an immigrant and then ask how you could …

361-The Power of If: If You Don't Like the Laws (Especially the Financial Laws), Avoid the Conditions that Cause You to be Subject to Them

August 1st, 2016

40:44

The past few weeks have been a bit depressing for me due to the absurdity of national politics here in the United States.

I broke my personal rules …

359-Save Money on Your Food Budget by Learning How to Cook at Home! Practical Advice from Ketura from FreeToCook.com

July 28th, 2016

28:06

How much money do you spend eating out? How much money could you save simply by learning to cook for yourself?

My guest today is Ketura from

357-Taming the High Cost of College: Understanding the Landscape of College Tuition, Financial Aid, Loans, and Your Choices with Brad Baldridge

July 26th, 2016

1:19:46

College and all of its associated costs can make a big difference in your financial situation. 

Today, I've invited Brad Baldridge on the show to …

356-Your Next Car Should be a Minivan. Here's Why!

July 25th, 2016

50:12

Minivans get a bad rap in our modern culture. They're the brunt of endless jokes and I want to see that change.

For some reason people think that …

355-How to Build a Plan for Financial Freedom in 10 Years or Less

July 1st, 2016

57:01

The tagline I created for Radical Personal Finance is this: "...the show dedicated to providing you with the knowledge, skills, insight, and …

354-Disability Insurance: Benefit Amounts, Needs Analysis, Group vs. Individual, Definitions of Disability (Own Occ vs. Any Occ), Policy Provisions (Total Disability, Partial, etc.) and More!

June 30th, 2016

55:06

Today we continue our disability insurance series with a discussion of:

  • How to determine the benefit amount of an individual disability insurance …

353-How to Get Out of Debt Fast By Driving A Truck (And Build a Freedom Fund!): Interview With Ben and Deb Martinek

June 28th, 2016

56:41

Often very large financial goals can be achieved in a relatively short period of time if you focus enough on the goal and execute a plan with intense action.

Today, I bring you the story and experience of a couple who …

352-Friday Q&A: Should I Purchase My Personal House in an LLC, How do I Know if My Life Insurance Agent is Advising the Right Amount

June 24th, 2016

40:34

On Fridays we do a live Q&A show here at Radical Personal Finance. If you'd like access to these calls, join here:

351-How to Live a Rich Life Now (pt. 2): Most Material Riches Are Easily Accessible to You Today

June 23rd, 2016

1:00:08

Today, we continue our series on "Living a Rich Life Now" by discussing material riches and how you can appreciate the ones you already have and enjoy more more material riches now, without waiting.

Most people equate …

350-How to Live a Rich Life Now: The Immaterial Attributes of Riches That You Can Control Today

June 21st, 2016

45:14

Radical Personal Finance is "a show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and …

349-Want to Get Rich and Live a Comfortable Life? You Should Seriously Consider Being a Doctor as Your Path! Interview with Peter Steinberg

June 17th, 2016

1:07:34

I've previously stated that I don't understand why anyone would go into the field of medicine as a way of getting rich.

I understand why people would …

348-Think You've Got it Tough? This Show Will Make You Grateful for Your Abundant Opportunities. I Promise!

June 14th, 2016

A lot of us face difficult situations. And it's tough to maintain a positive attitude. But, have you considered what some other people face?

What …

347-Disasters Happen: Make a Plan Now to Ensure You Have Plenty of Money Available to You to Solve the Problems Money Can Solve

June 13th, 2016

56:27

June 1 is the start of hurricane season here in South Florida. June is always when I review my own hurricane preparedness plan and assess it for any weaknesses.

I've also kept a close eye on the Fort McMurray wildfires …

346-Real Estate Entity Selection & Estate Planning (With a NYC Slant): Interview with Real Estate and Estate Planning Attorney Jules Haas

June 10th, 2016

1:02:13

Today I've invited Jules Haas on the show to talk real estate entity selection and estate planning.

Jules has an especially interesting perspective …

345-"Cashing in Tax Free: Your Ultimate Guide to a Tax-Free Retirement Using 1031 Exchange and Delaware Statutory Trusts" Interview with Author Leslie Pappas

June 8th, 2016

54:35

Today on Radical Personal Finance we veer into an interesting niche in the real estate market.

Do you have an appreciated rental property with a lot …

344-How to Go From Broke to Comfortable With a Single Move! (And What is a Junior IRA?): Interview with Mr. and Mrs. Groovy from FreedomIsGroovy.com

June 6th, 2016

59:59

My guest on today's show is Mr. Groovy, writer at the eponymous website www.FreedomIsGroovy.com 

He reached out to me and pitched me for some exposure for his idea of a Junior IRA. I accepted his request and invited him …

343-Friday Q&A: When Should My Wife Take Social Security, Should I Buy Term Life Insurance as an Investment?

June 3rd, 2016

31:31

On Fridays, I do a live Q&A call for patrons of the show.

Today we cover:

  • When Should My Wife Take Social Security?
  • Should I Buy Term Life …

342-How to Make a Fortune (or Build a Lifestyle Business) Selling Stuff on Amazon: Interview with Brad DeGraw

June 1st, 2016

47:30

I'm always keeping my ears out for interesting ways to earn a living--or a side income. And today, I've got exactly that for you.

My guest today is Brad DeGraw. Brad is an expert at selling stuff through Amazon.

He …

341-Odds On: The Making of an Evidence-Based Investor, Interview with Author and Financial Advisor Matt Hall

May 31st, 2016

1:16:31

My guest today is Matt Hall. Matt is a financial advisor who learned the hard way what works and what doesn't in the world of financial advice.

One …

339-Long-Term Disability vs Short-Term Disability, Benefit Period, Elimination Period, Noncancellable vs. Guaranteed Renewable Continuance Provisions

May 26th, 2016

44:34

Today we continue our disability insurance series. We cover:

  • Why it's so hard to compare disability insurance policies to each other
  • Long-term …

338-Negotiating a Better Work Arrangement for Greater Personal Happiness: Interview with Jeff, the Happy Philosopher

May 25th, 2016

1:19:04

Today we speak with Jeff, the Happy Philosopher. Jeff is a doctor who was finding himself increasingly dissatisfied with his job. 

Knowing that if he …

337-Why You Should Buy Disability Insurance Before Any Other Type of Insurance Coverage

May 24th, 2016

50:17

If you could only choose one type of insurance coverage to have, I believe you should buy disability insurance.

In today's show, I seek to persuade …

336-Friday Q&A: Advice on Starting an Experts Business, How to Transition from a Stable Career to Unstable Entrepreneurship, Joshua's Thoughts on the Banking System, How to Become a Better Salesperson

May 20th, 2016

1:03:08

On Fridays, we have Q&A! And today, I have some fun questions for you.

  • My Advice on Starting an Experts Business
  • How to Transition from a Stable …

335-My New Consulting Business...And Yours Too!

May 20th, 2016

25:24

I've decided--after many, many requests--to offer paid phone consulting to you, the audience.

If you would like to consult with me on any topic of …

334-How & Why to Go Independent as a Financial Advisor: Interview with Financial Advisor Sean Kernan

May 18th, 2016

1:32:33

Ever wondered what the actual practice models are for financial advisors? Today, I've invited Sean Kernan on the show to talk about the inside business of financial advice.

Sean is a financial advisor who started his …

331-Financial Independence with Real Estate Starting With No Money! Interview with Chad Carson

May 10th, 2016

49:16

My guest today is Chad Carson. Chad is a real estate investor and financial freedom pursuer. 

I've invited him on today's show to share his story of how he began investing in real estate with no money and how he's built …

330-How to Live Super Cheap and Earn Your Income Selling Stuff Online! Interview with Nate Dodson

May 5th, 2016

33:40

Today on Radical Personal Finance we dig into the topics of living cheap and well!

My guest is quite the radical guy and he's here to share with us …

329-Boost Your Investment Returns with Marketplace Lending: Interview on Current Opportunities with Peter Renton, Founder of Lend Academy and the LendIt Conference

May 2nd, 2016

1:16:32

Marketplace lending (a.k.a. peer-to-peer lending) is steadilyadvancing in impact and popularity. Although it's certainly not yeta dominant form of …

327-How to Save Money on Medical Expenses Without Accidentally Killing Yourself From Foolish Decisions: Interview with Dr. Mohammad Ashori

April 27th, 2016

1:15:26

Medical expenses represent a large percentage of our lifetime expenditures. But do they need to?

My guest today is a practicing physician and he's here to share with us where we can rationally cut back and scrimp and …

326-An Immigrant's Path to Entrepreneurship: Lessons Learned with Dan Lok

April 26th, 2016

1:15:00

Immigrants to the United States are much more likely to become millionaires than are natural-born citizens. And although my guest today lives in Canada, the parallel is clear.

Dan Lok had a challenging beginning to his …

325-How to Invest in Guns for Maximum Profit and Diversification: Interview with James Wesley, Rawles from SurvivalBlog.com

April 25th, 2016

1:19:25

I love to explore interesting financial markets which are accessible to the common person who demonstrates a little bit of interest. Today we dig into one such market: guns.

I've invited James Wesley, Rawles onto the …

323-How to Teach Your 8-Year-Old To Earn with Job Skills, Build Businesses, and Invest Wisely

April 21st, 2016

49:06

One of our primary charges as parents is to raise our children from dependency to maturity and independence. One major component of this task is to teach them to be economically self-sufficient.

How do we do this? Where …

322-How This Teacher Has Gone from Deep in Student Loan Debt to Financially Independent by Age 40: Interview with Nicole Bryan

April 20th, 2016

52:08

My guest today is Nicole Bryan. Nicole began her career as a schoolteacher with a pile of student loans. Today, she is on track to be financially …

321-The Trend Following Investment Strategy (and What It's Like to Build Your Own Investment Management Firm from Scratch) with Michael Melissinos

April 18th, 2016

1:17:05

My guest today is Michael Melissinos. Michael is a trend-following investment manager who has systematically built his own firm over the past few …

320: Breaking all the Rules to Succeed in Podcasting: Recording of My Speech to the South Florida Podcasting Meetup Group

April 15th, 2016

55:03

RPF is on Spring Break this week so I'm posting some different content than my normal show. This is a speech that I gave to a local podcasting meetup …

Out and About: Control the Risk of Failure with Joshua Sheats - Youversation Episode 035

April 14th, 2016

43:21

(RPF is on Spring Break this week, so I'm sharing some interviews with you where I've been featured on other shows. Enjoy! -Joshua)

“I don’t think failure is a mark of shame. Failure and mistakes are inevitable.”

Things …

Out & About: Sales From The Street-"Shh, Just Listen Man" The Sales Evangelist Episode#224

April 13th, 2016

21:36

(RPF is on Spring Break this week so I'm posting some interviews where I've been featured on other shows. Enjoy my comments on sales in this interview with The Sales Evangelist! -Joshua)

How well do you listen to your …

Out & About: Self-Education Plan Review with Joshua Sheats (Anarcho-Yakitalism Podcast Ep.62 )

April 12th, 2016

1:04:03

RPF is on Spring Break this week so I'm publishing some podcasts where I've been interviewed on other people's shows.

This episode is a follow-up …

Out and About: Investing to BE Dave Ramsey (with Joshua Sheats) - Stacking Benjamins

April 11th, 2016

1:11:14

(I'm on Spring Break this week, so I'm posting an episode of Stacking Benjamins which featured my advice on how to invest to be Dave Ramsey. -Joshua)

How do you become Dave Ramsey? You invest a certain way…and it isn’t …

RPF is on Spring Break!

April 5th, 2016

1:25

Hey Radicals!

RPF is on Spring Break for the next few weeks. (I do promise to go to the beach at least once--but no bikini pictures on Facebook for me!)

I will release a few sporadic shows including some interviews with …

319-Friday Q&A: Should I Switch from Employment to Self-Employment to Save Money, How do I Decide Between Model Portfolio Asset Allocations

April 1st, 2016

40:19

On Fridays, we have a live Q&A show. Today we cover these two questions:

  1. Should I Switch from Employment to Self-Employment to Save Money?
  2. How …

318-How to Get the Best Possible Mortgage: Advice from Casey Fleming, Author of "The Loan Guide"

March 31st, 2016

52:15

For most people, housing decisions are the largest financial decisions that they will make. And the mortgages usually associated with housing are the largest debts most of us will take on.

And yet how much time and …

317-Living in a Bus and a Tiny House With 7 Kids! Interview with Shane and Julie Good from www.GoodNewsBus.com

March 30th, 2016

1:00:54

I love to discover unique people who embrace an unusual lifestyle. My guests today are a perfect example of such a lifestyle!

Shane and Julie Good …

316-Friday Q&A: Should I Stay At A Job to Get Student Loan Forgiveness, When is the Ideal Age to Buy a Single Premium Immediate Annuity

March 25th, 2016

46:27

On Fridays I do a Q&A show for Patrons of Radical Personal Finance. If you'd like me to answer a question for you, go here for information:

315-Is Mortgage Acceleration (Replacing Your Traditional Mortgage with a HELOC) Really a Good Idea? Interview with Bill Westrom from www.TruthInEquity.com

March 24th, 2016

1:36:24

On Episode 133 of the show, I had a listener ask me for my opinion regarding the concept of "mortgage acceleration."

Basically, it's the idea of taking out a HELOC on your house instead of (or in addition to) a …

314-How You Can Get More Money For Early Retirement By Using an IRA or 401(k) Even if You Have to Pay the 10% Penalty!

March 24th, 2016

49:31

Have you ever wanted to invest through an IRA or 401(k) for the purpose of early retirement but found yourself stymied by the thought of paying a 10% penalty tax to gain access to your money?

Well, on today's show I've …

313-unWorking: Exit the Rat Race, Live Like a Millionaire, And Be Happy Now: Interview with Author Clark Vandeventer

March 23rd, 2016

1:03:41

What would you do if you left your big-shot corporate gig to pursue an entrepreneurial venture which then fell apart?

And then you ran for public …

312-Q&A: What's It Actually Like to Start a Career as a Financial Advisor with a Big Insurance Company? My Own Experiences from the Trenches!

March 22nd, 2016

1:15:52

Today, I respond in detail to this question from a listener:

Hi Joshua,

I have been really into personal finance for about 5 years now and am considering becoming a financial advisor, specifically with a large company …

310-From a Plumber's Assistant in a Rural Farm Town to a Wealthy Businessman: Interview with Warren Prescott, One of My Former Bosses!

March 17th, 2016

53:46

I've been wanting to bring lots more "brick-and-mortar-type" entrepreneurs and success stories on the show. There are tons of incredible people out there that we can learn from.

But, I've learned that it's actually …

309-Practical and Actionable Advice for How You Should Respond to Doomsday Financial Predictions and Warnings in a Rational and Intelligent Manner

March 16th, 2016

1:00:00

I've featured several doom-and-gloom guests on recent shows. I like to give people an opportunity to make their case to me as convincingly as possible and I always enjoy challenging myself with catastrophic predictions.

308-Charitable Giving Strategies to Maximize Your Lifestyle and Your Impact: Interview with Patrick Renn, author of "Finding Your Money's Greater Purpose"

March 15th, 2016

1:02:45

I like to share as much "behind the curtains of the financial advice industry" stuff as possible. But I like to do it from a diverse perspective.

If you like seeing how good financial planning can dramatically impact a …

306-Interview with Robert Kiyosaki: the Life, Career, & Predictions of the Man Behind the Best-Selling Personal Finance Book of all Time (Rich Dad, Poor Dad)

March 11th, 2016

1:01:57

I recently had the opportunity to interview Robert Kiyosaki, the author of Rich Dad, Poor Dad, which is the top selling personal finance book of all time.

The concepts of Rich Dad, Poor Dad are well known in the …

305-Mortgage Credit Certificates: The Coolest Mortgage Interest Credit You've Never Heard Of

March 10th, 2016

36:11

In January 2013, I bought a house, proceeded through the whole process really carefully and thought I'd made some pretty good decisions. 

But a …

304-Friday Q&A: The Value of Full-Time Mothers and Fathers as Compared to Full-Time Wage Earners

March 4th, 2016

1:01:39

On Fridays, we do a Q&A phone conference here at Radical Personal Finance. Today's call was unusual in that we only had one caller, so we spent a …

303-Roth IRA vs. Traditional: Which One Pays Less Taxes?

March 3rd, 2016

18:32

Will you pay less taxes when investing in a Traditional IRA or a Roth IRA? Do you know? Are you sure?

If you're not sure, the answer may surprise you.

Announcement re: Email: If You've Ever Emailed Me and Didn't Get a Personal Response, Please Try Again

March 2nd, 2016

3:42

Hey Radicals!

If you have emailed me (especially through the contact form on my website) and I haven't personally responded, please assume that I simply never received your message.

I'd love to hear from you, so please …

302-Q&A: I Make $200k/yr. and I'm 30 Years Old and Single. And I'm Miserable. Please Help!

March 2nd, 2016

54:00

Today on the show we answer this question:

"Hey Joshua,"I'm a fairly new listener and have been going through some of your older podcasts to absorb …

301-Careers, Entrepreneurship, and Raising Entrepreneurial Kids: Interview with Dan Miller from 48 Days to the Work You Love

February 25th, 2016

51:04

I'm up here in Nashville, TN at the moment and had the opportunity to connect with Dan Miller from 48 Days to the Work You Love.

Dan is a legend in the career advice business. He has helped many, many people transition …

300-Thirty Podcasting Lessons Learned From 300 Episodes and 2,000,000+ Downloads

February 25th, 2016

1:35:45

When I began podcasting, I was looking for information and advice. Although I found some good, there was a real paucity of advice from people who had done something like I wanted to do. 

I've been satisfied with a lot …

299-The Philosophy of Modern Survivalism and Permaculture as Applied to Financial Planning: Interview with Jack Spirko, Host of The Survival Podcast

February 22nd, 2016

1:29:39

I've long admired Jack Spirko and his show "The Survival Podcast" as a voice of reason in an industry fueled by hyperbole and fear.

He does a great …

298-Friday Q&A: How to Practice Stealth Wealth, How to Locate Assets in a Tax Efficient Manner, Refinancing a HELOC to an Amortizing Loan, and How My Wife and I Handle Day-to-Day Money

February 19th, 2016

59:13

On Fridays I do Q&A. If you'd like to participate in a show like this, please become a Patron of the show and you will gain access to the information to call in for these shows. www.radicalpersonalfinance.com/patron 

Meet Up With Me in Nashville, TN Next Week 2-22 to 2-25.mp3

February 19th, 2016

 I will be in Nashville, TN next week for a conference. If you're in the area, I would love to meet up with you. Please reach out to me on Twitter …

297-From Writing About Personal Finance To Becoming Financially Independent: Lessons Learned with Jim Wang, Founder of Bargaineering and Wallet Hacks

February 19th, 2016

1:08:31

Can a hobby of writing about personal finance lead to becoming financially independent in a very short time? It did for Jim Wang, my guest on today's show.

Jim founded the site Bargaineering as a part-time hobby. It …

296-The Collapse of MF Global, Breakdown of Trust in the Financial Systems, the Prospect of Global War, and What It's Like to Be a Tax Protester on the Lam: Interview with Ann Barnhardt

February 18th, 2016

1:32:06

My guest today is Ann Barnhardt. I first became aware of Ann in late 2011 after she published a letter detailing the closure of her firm, Barnhardt Capital Management.

At the time, this letter troubled me. Many people …

295-You Don't Know What to Do Simply Because You Don't Yet Know What You Want

February 15th, 2016

21:51

Over the weekend, I was reading the book "unWorking: Exit the Rat Race, Live Like a Millionaire, And Be Happy Now" by Clark Vandeventer while sitting in a tire repair shop, waiting for my tire to be patched.

When I came …

294-Friday Q&A: Liability Insurance, Life Insurance for a Stay-At-Home Mom, Real Estate Financing and Entities, And More!

February 15th, 2016

1:09:16

Friday Q&A show today!

  • Is an umbrella liability insurance policy a good idea?
  • Should I buy life insurance for my stay-at-home wife at my job?

292-Personal Branding and Marketing, Entrepreneurship, and Lifestyle Design as CEO of a Company: Interview with David Hancock, CEO of Morgan James Publishing

February 10th, 2016

49:48

I'm delighted to have David Hancock on today's show. David is the founder and CEO of Morgan James Publishing.

David has a fascinating business history and you'll benefit greatly from hearing his story.

He's also an …

291-Friday Q&A: Real Estate, How Much Money is Too Much in Qualified Accounts, Bank on Yourself and Infinite Banking, Stocks vs Bonds

February 5th, 2016

1:06:26

I've decided to start doing regular live call-in shows as part of our Friday Q&A. Today we cover these questions:

  • How much leverage/risk is …

290-Stop Chasing Influencers: The True Path To Building Your Business and Living Your Dream: Interview with Co-Author Kimanzi Constable

February 4th, 2016

48:53

Do you have some excuses as to why you can't be successful? Well, get ready to get your excuses kicked in.

My guest today is Kimanzi Constable. He …

289-The Impact of Your Behavior on Your Financial Results: Interview with Carl Richards, author of The Behavior Gap and The One Page Financial Plan

February 3rd, 2016

1:08:15

What makes a bigger difference on your financial outcome: the behavior of your investments or the behavior of you, the investor?

Today I have an awesome interview for you with Carl Richards, author of "The Behavior Gap: …

288-A Perfect Buy vs. Rent Case Study and Analysis

February 2nd, 2016

35:46

This weekend a friend of mine asked me for my input on whether they should continue renting their townhome or buy an equivalent unit. 

It's almost …

287-Drive for Free by Fueling Your Car with Wood: Interview with Chris Saenz and Wayne Keith from DriveOnWood.com

January 28th, 2016

35:19

Low gas prices have you cheering? Good! But what about when they go back up? Do you have a plan for that?

How cool would it be if you could use a …

286-My Review of the "Building Wealth One House at a Time" Seminar by John Schaub

January 28th, 2016

48:27

I had the opportunity to attend John Schaub's "Building Wealth One House At a Time" seminar in Sarasota, FL on January 16 & 17, 2016.

I've been a fan of Schaub's work for quite a while. After reading his books and …

285-What Does Financial Fraud Smell Like?

January 26th, 2016

55:00

When I was younger I was easily duped by the financial fraudsters that seek to build their empires by deceiving people. Thankfully, I never had any …

284-Job Free: Four Ways to Quit the Rat Race and Achieve Financial Freedom on Your Terms-Interview with Jake DeSyllas

January 25th, 2016

1:12:18

Most of us in the Radical Personal Finance community are pursuing our own financial independence. And most of us want to get there as quickly as possible!

But, most of us only have one idea of one way to get there. Did …

283-Nine Benefits of Having a Job!

January 22nd, 2016

36:36

I talk a lot about business, entrepreneurship, and freedom on Radical Personal Finance. But I probably give short shrift to the incredible benefits of having a job!

Our jobs usually provide the foundation we need to …

282-How to Effectively Handle Money Together as Husband and Wife: Interview with Talaat and Tai from His and Her Money

January 19th, 2016

43:37

Managing money by yourself can be a real challenge. But managing money with your spouse can feel so much harder!

But does it have to be that way?

Today I have Talaat and Tai from www.HisAndHerMoney.com on the show to …

281-Why I've Chosen to Invest in Real Estate

January 18th, 2016

1:04:44

There are three things we control with regard to wealth building: how much we make, how much we spend, and the rate of return we earn on our …

280-Making the Transition to Retirement: Interview with Fritz Gilbert from The Retirement Manifesto

January 15th, 2016

1:05:18

Tonight I'm pleased to bring you an interview with Fritz Gilbert from the website: www.TheRetirementManifesto.com

Fritz is an awesome guy who is just a couple of years away from an early retirement! He's here today to …

279-Get Paid To Adventure Travel the World With Your Family and Still Save a Ton of Money! Interview with Sara Miner

January 13th, 2016

46:37

Many people dream of saving enough money to travel the world. But what if there were a way to get paid to travel the world?

There is. It's not a pipe dream. 

In fact, there's not just one way. There are many, many ways!

278-What Do You Do When You're Trapped in an Upside Down Car Loan?

January 12th, 2016

29:38

Today, we cover this question from a listener:

Joshua,

I know you get a lot of questions, but I was wondering if you have a radical way to get out of an upside down car loan.

I do financial coaching for people in our …

277-Early Retirement FAQs: How Do I Plan For Inflation? Interview with Joe, AKA. Arebelspy (who just retired at 30 on a schoolteacher's salary)

January 8th, 2016

1:33:02

Today we continue with our "Early Retirement FAQ" series with Arebelspy by tackling the topic of inflation! How do you manage inflation risk in retirement? And, even more important, how do you manage inflation risk in …

276-Why This Financial Planner Refuses to Save Money for His Kids' College

January 7th, 2016

1:02:09

Recently I received this personal note from a personal friend of mine: "My wife suggested I reach out to you for advice as we plan to start saving for our soon-to-be-born-son's education.  Hard to believe it's going to …

275-Selecting a Brokerage Company for Your Stock Ownership & Trading: Intro to Our New Sponsor TradeKing

January 5th, 2016

I'm excited to launch a brand-new sponsor here in the new year! Our new sponsor is TradeKing.

You should be familiar with the TradeKing name--I …

274-You Can Become and Stay Wealthy If You Focus On Systematically Developing and Perfecting the Simple Skills of Wealth

January 4th, 2016

One of my major breakthrough moments in life occurred when I learned that success skills were simply that: skills. The same applies to wealth.

Success and wealth are not accidents. People are not wealthy by chance, …

A Brief Christmas Card from Me to You

December 18th, 2015

17:33

Hey Radicals,

I'm in the process of shutting the show down for 2015 and heading off for the holidays.

Before I go, I simply want to share a personal …

273-Three Budgets You Should Establish for 2016: Time, Money, and Food

December 17th, 2015

1:05:27

The skill of budgeting is one of the major skills that drives the level of success you achieve in life. But it's a skill that's not only applicable to money but also to other areas of life.

In today's show I share with …

272-A Proven Strategy to Increase Your Income in the Next Year

December 15th, 2015

52:04

I was honored with a very cool mention in a New York Times article yesterday (link below) and I thought it a perfect time to build on the subject of …

271-Achieving Financial Independence at a Crazy Young Age! Interview with Mike and Lauren from www.MikeAndLauren.com

December 11th, 2015

1:00:09

I enjoy YouTube. But it's tough to find a good personal finance YouTube channel! Thankfully, there's at least one!

My guests today are Mike and …

270-Myths & Facts: 9 Things I Used to Believe (and Teach) About Home Ownership That I No Longer Believe

December 9th, 2015

1:03:27

Following up on yesterday's show, I share with you today 9 myths surrounding the topic of home ownership.

These are things that I used to believe and …

269-Why We Sold Our House and Moved Into a Rental Apartment!

December 9th, 2015

1:04:12

This past Friday we closed on the sale of our house. We owned it for just under three years. When we bought it we had intended to own it for 40 years.

268-Training Your Kids for Financial Responsibility: Interview with Rocky Lalvani from Richer Soul

December 4th, 2015

1:04:40

Many of us have made mistakes on our way to financial stability. Hopefully we've learned from those mistakes--but wouldn't it be fantastic if we …

267-Automate your Spreadsheets and Simplify Your Accounting with Tiller: Interview with Peter Polson

December 2nd, 2015

58:10

While I was in Charlotte for #FinCon15, I connected briefly with a man named Peter Polson who told me about a new tool he had built to automate the …

266-Financial Independence in Your 20s Without Missing a Party! Interview with Martin Dasko from Studenomics

November 25th, 2015

43:54

Does being frugal and building financial independence mean that you can't have any fun? And, is it possible to get through college on a budget and …

265-Why Passive Investing and Index Funds are the Only Right Way to Invest: Interview with Rick Ferri from Portfolio Solutions

November 24th, 2015

55:26

It's easy to jump into holiday mode, but don't jump just yet! Let's keep our work boots on and learn just a little bit about investing today before …

264-How to Cut the Interest Rates on Your Student Loans by Refinancing with Sofi: Interview with Dan Macklin, Co-Founder of Sofi

November 24th, 2015

47:51

Today on Radical Personal Finance I'm pleased to introduce you to a brand-new sponsor! And, it's a sponsor who will help you save some cash!

I've been aware of SoFi for quite awhile and they were high on my list of …

263-Q&A: Recording of the Live Patron Q&A Conference Call

November 21st, 2015

1:01:49

During October and November I've been doing a weekly conference call with Patrons of the show. 

We've been talking about all kinds of interesting …

262-How Risky is Your Income? Applying the Concepts of Diversification to Wages and Profits

November 19th, 2015

40:06

We talk a lot about diversification within the context of investments. But what about diversification of your income?

After all, how risky is it for you to depend on a single source of income to fund your life and …

261-Getting Rich with Real Estate...and Then Getting Richer With Business! Interview with Josh Dorkin, Founder of Bigger Pockets

November 17th, 2015

1:03:20

BiggerPockets.com is the largest real estate resource online--perhaps in the world. Today we have Josh Dorkin, the founder of Bigger Pockets, on the show to share the story with us.

The story is a classic case of an …

260-An Introduction to Trusts in the Context of Estate Planning

November 16th, 2015

40:09

The word "trust" has a bit of a mystique in the modern financial world. It's a word that everyone knows (we all know a "trust fund kid") but few people understand and even fewer understand accurately.

Trusts are both …

259-What's It Like To Actually Hit Financial Independence at a Shockingly Young Age? Interview with Brandon (the Mad Fientist) and Jill

November 13th, 2015

58:17

Wouldn't it be cool if you could work really hard for a few years, save aggressively, and then quit your job and travel the world?

Today's guest has …

258-Do You Have Student Loans? Here's What You Need to Do! Interview with Attorney Jay Fleischman, Host of the Student Loan Show

November 10th, 2015

1:15:47

I'm thrilled to bring Jay Fleischman back on the show. Jay was a guest on Episode 214 of the show and it was a popular show and I received a lot of …

257-The Four Major Estate Planning Documents that Everybody Needs: a Will, a Living Will, a Medical Power of Attorney, and a Durable Power of Attorney

November 6th, 2015

33:58

Ever wondered about the basics of estate planning? Today's show is a simple overview of the major estate planning documents.

We talk about wills, living wills, and powers of attorney and discuss what they mean and why …

256-Escaping a Lifestyle of Drudgery for a Lifestyle of Freedom as an Itinerant Writer: Interview with Jeff Goins, Writer

November 5th, 2015

52:34

Many of us are focused on the primary goal of transitioning from work that doesn't suit us to work that does. After all, if we can solve the work …

255-How To Decide if You Should Repair Your Car or Replace It

November 4th, 2015

38:55

It happens to so many people: your car breaks down at an inconvenient time and you're facing a massive repair bill. The stress starts to mount and …

254-Get Rich Slowly and then Get Rich Fast: Interview with JD Roth, the Godfather of Financial Blogging

November 2nd, 2015

1:16:08

I had the opportunity to connect with JD Roth, one of the most well-known personal finance bloggers in the industry while I was in Charlotte, NC at #FinCon15.

We had a great interview. 

We talked in detail about JD's …

253-Q&A: Recording of the Live Patron Q&A Conference Call

October 27th, 2015

1:53:15

Today I'm sharing with you the audio from the live conference call I recently hosted for all the Patrons of Radical Personal Finance. 

This was a super-fun experience for me! Having the live interaction was fun. Topics …

Out & About: "Radical Thoughts on Life Insurance" (Joshua's Appearance on Martinis and Your Money with Shannon McLay)

October 26th, 2015

1:21:29

Shannon McLay from the "Martinis and Your Money" podcast invited me on her show last month to talk about life insurance as part of "Life Insurance Awareness" month.

Enjoy this interview with me where I share all of my …

252-Market Yourself with the World's Greatest Marketing Tool: Your Own Book! An Interview with Patrick Snow, the Publishing Doctor

October 22nd, 2015

1:03:43

Have you ever thought about writing a book? If you have, you're part of the 80% of Americans that dream of doing just that!

But how do you go about …

251: Annuities: An Intoduction to the Types and Uses of Annuities

October 20th, 2015

1:21:18

Let's put our work boots on today and dig into some of the science of financial planning. We've been doing a lot of fluffy, motivational-type stuff on Radical Personal Finance recently. That stuff is really valuable but …

250-How the Wisdom of Chess Can Make You a Grandmaster of Investing: Interview with Douglas Goldstein, author of Rich as a King

October 19th, 2015

1:31:25

We've generally been trained how to think about finance by the financial services industry. Their plan for your finances? Well, each step involves a …

249-How Dual-Income, High-Earning Couples can Lower Their Income Taxes

October 14th, 2015

1:06:48

One of the benefits that $200/mo. Patrons of Radical Personal Finance get is being able to choose a topic of the show.

Here's the note that prompted today's episode:

Joshua,

Double income medium- to high-earning couples …

248-One Great Way to Start Your Search For a Financial Advisor: Interview with Jack Waymire, Founder of the Paladin Registry

October 6th, 2015

1:18:07

The most challenging question that I get asked on Radical Personal Finance is this: "Joshua, how do I find a great financial advisor?" 

It's hard because there are great advisors at most (all?) firms and there are …

246-You Need a Budget and Here's the Best Way for You to Make One! Interview with Jesse Mecham, Founder of YNAB

October 2nd, 2015

58:27

Sometimes you discover something that's been out there for years and you want to smack yourself in the head for not tuning in to it sooner. That's how I feel when it comes to YNAB. (For the uninitiated YNAB stands for …

245-Achieving Financial Freedom With Hard Work and a Good Plan! Interview with Scott Alan Turner, a Financial Rock Star

September 25th, 2015

27:15

I love to talk with people who have achieved financial independence. But I especially love to talk to those financially independent people who have achieved it in a very accessible way!

Frankly, it's hard to relate to a …

244-Vending Machines as a Path to Wealth and Passive Income: Interview with Matt Miller from School Spirit Vending

September 24th, 2015

55:30

When I was younger my brothers and I spent lots of time talking about how to make our millions of dollars with passive income. Two businesses seem to …

243-Mastering the Art of Charm so You Can Navigate More Easily Through Life: Interview with Jordan Harbinger, Co-Founder of The Art of Charm

September 23rd, 2015

48:25

Interpersonal skills of relationship are a huge deal and your mastery of them will massively impact your level of success in life.

All else being …

242-One Bed, One Bank Account: Interview with Derek Olsen from Better Conversations on Money and Marriage with Derek & Carrie Olsen

September 22nd, 2015

1:10:45

Money in marriage is an extremely challenging area of life. Researchers often say that money fights and money problems is the number one cause of marital stress.

My guest today is Derek Olsen. He and his wife Carrie …

241-Setting and Achieving Financial Goals: Interview with Casey Lewis

September 21st, 2015

47:55

I had the opportunity to sit down with Casey Lewis while I was in Fort Worth, Texas a couple months ago.

Casey has worked his way through his own money transformation and he has a lot of experience and wisdom to share …

240-From the Mail Room to CEO of a Trading Company: Interview with Don Montanaro, CEO of TradeKing (Live Show from #FinCon15!)

September 20th, 2015

51:07

I'm here at #FinCon15 in Charlotte, NC this week and I had the privelege of interviewing Don Montanaro, the CEO (and co-founder) of TradeKing!

We recorded this episode live on the #FinCon15 podcasting stage on September …

239-Making a Bundle of Cash by Marketing Physical Products: Interview with Andreea Ayers from Launch Grow Joy

September 18th, 2015

37:14

It might seem like the only way to make money in today's world is to create and sell a digital product. It's not. Frankly, the physical product world is probably much less crowded than the digital world!

My guest today …

238-What's Different About Giving Financial Advice to Gen X&Y vs Everybody Else: Interview with Katie Brewer, From Your Richest Life

September 17th, 2015

49:40

I love to bring financial advisors onto Radical Personal Finance in order to break down the barriers of communication between advisors and the general public.

Katie Brewer is a financial planner based in Texas. She …

237-Become a Master Marketer: Interview with Anthony Tran, Founder of Marketing Access Pass

September 14th, 2015

43:49

My guest today is Anthony Tran. Anthony is the Founder of Marketing Access Pass, an All-in-One Online Marketing Training and Services website. He's a master internet marketer and he shares some of his experience with …

236-Another Financial Advisor Turned Podcaster! Interview With Joe Saul-Sehy from Stacking Benjamins

September 11th, 2015

51:08

I'm not the only former financial advisor who became a podcaster. My friend Joe Saul-Sehy has trod the same path!

We had the opportunity to catch up …

235-Living a Life of Significance: Interview with Aaron Walker from View From the Top

September 11th, 2015

47:16

I met Aaron Walker at the Podcast Movement Conference in Fort Worth last month. After listening a bit to his story, I immediately invited him onto the show to share some of his experience with us.

Aaron is a serial …

234-Investing in Rare Coins With Numismatic Value: Interview With Bryan Norris, Professional Numismatist and Coin Expert

September 2nd, 2015

1:47:27

I met Bryan Norris at the Podcast Movement conference in Fort Worth, Texas. I'm glad I did.

Brian is a professional numismatist and a real expert in rare coins and money.

Numismatic coins are an interest of mine and I …

233-I'm Richly Blessed by the Social Economy

August 31st, 2015

22:06

Happy Monday, Radicals! This morning I want to share a few experiences I'm grateful for and use it as an opportunity to encourage you as you begin …

232-Building a Rich Life By Climbing the Corporate Ladder: Interview with Lee Cockerell, Retired Executive from Walt Disney World Resort

August 27th, 2015

47:26

Climbing the corporate ladder is time-tested and proven path to income and impact. And the cool thing about this approach to career success is that …

231-How You Should Respond to the Recent Stock Market Gyrations

August 25th, 2015

54:01

Over the last few days global securities markets have been rocked with massive losses. 

Naturally, times like this should cause us to seriously …

230-How Being Debt-Free Enables Entrepreneurship: The Financial Journey of the Podcast Answer Man, Cliff Ravenscraft

August 13th, 2015

2:07:18

I love hearing entrepreneurship stories because they speak to me of people who clarify what they want and pursue it aggressively. 

Vision is required for you to be willing to leave the bed of employment where things are …

229-Think Slow, Move Fast, and Prioritize Your Life (a.k.a. Why We're Moving!)

August 12th, 2015

40:16

Effective tomorrow, 8/13/15, the global headquarters of Radical Personal Finance will be moving! I'm about to start unplugging my computers and microphone but I wanted to make sure to ship today's show before doing …

228-How and Why to Buy a Car for Cash: Interview with James Kinson from the Cash Car Convert Podcast

August 12th, 2015

54:56

At the recent Podcast Movement conference in Fort Worth, Texas, I had the opportunity to connect with James Kinson, host of the Cash Car Convert podcast. 

James has a fun story to share and some great lessons to teach. …

227-The Five Benefits of College and Radical Ways to Exploit Them

August 11th, 2015

1:01:05

As we head into the back-to-school season in the United States, I've been thinking a lot about the value of college and I've come up with a framework …

226-Making a Living From Video Games: Interview with Danny Peña, Hall of Fame Podcast Host of Gamertag Radio

August 7th, 2015

46:12

I recently returned from the Podcast Movement Conference in Fort Worth, Texas. While I was there I had the opportunity to interview Danny Peña the day before he was inducted into the Podcasters Hall of Fame.

For the …

Book Review: Eat That Frog! 21 Great Ways to Stop Procrastinating and Get More Done in Less Time" by Brian Tracy

July 31st, 2015

4:31

"Eat That Frog! 21 Great Ways to Stop Procrastinating and Get More Done in Less Time" by Brian Tracy is an absolute goldmine of a book. Without …

Out & About: Pt 2 of Joshua's Interview on "The Voluntary Life" Podcast with Jake Desyllas

July 30th, 2015

31:14

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Voluntary Life podcast with Jake Desyllas …

Out & About: Pt 1 of Joshua's Interview on "The Voluntary Life" Podcast with Jake Desyllas

July 29th, 2015

41:45

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Voluntary Life podcast with Jake Desyllas …

Announcements: Have Breakfast With Me On Friday in Ft. Worth, TX on Friday, 7/31/2015

July 29th, 2015

3:45

Good morning, Radicals! Two quick announcements for you this morning:

  1. If you are a listener of the show, come have breakfast with me this Friday …

Short Book Review: How To Make People Like You In 90 Seconds Or Less by Nicholas Boothman

July 24th, 2015

3:09

(audio from a video book review)Nicholas Boothman’s book “How to Make People Like You in 90 Seconds or Less” is a great introduction to the skill of …

225-Rich Habits and Raising Rich Kids-The Daily Success Habits of Wealthy Individuals: Interview With Tom Corley

July 24th, 2015

1:17:39

I've got a very special interview for you today with Tom Corley. Tom is an accountant and financial planner by trade. He began interviewing his wealthy clients to try to understand what they do differently than other …

224-Frugal Tips for Fashionable Financial Independence: Interview with Steve from Steveonomics.com

July 21st, 2015

43:38

My guest today is Steve from Steveonomics.com. Steve is a long-time listener to the show and he and his wife are aggressively pursuing their own plan for financial independence by 40. 

I invited Steve on the show …

223-1-Year Anniversary Show and Changes to the Show Format Going Forward

July 20th, 2015

28:11

We've hit a huge milestone in Radical Personal Finance history! We've reached 201 patrons and $2,001.50 of monthly support for Radical Personal Finance!

This is super, super thrilling and I thank each and every one of …

222-Why You Should Commit Yourself Wholeheartedly To Getting Out of Debt: Interview With Steve Stewart From MoneyPlan SOS

July 16th, 2015

1:02:57

My guest today is Steve Stewart. Steve's story to me is very interesting because in many ways he was the archetypal American financial story. A normal guy with a normal financial life.

However, inspired by Dave Ramsey's …

221-How to Budget When You're Behind On Your Bills and Stuck in the Middle of a Financial Emergency

July 15th, 2015

38:17

There are many ways to budget. All of us need to find a solution that is effective for us. And that solution will probably change as our situation …

220-The Intersection of Relationships, Health, Energy, and Money: Interview with Joan Sotkin, Author of Build Your Money Muscles

July 14th, 2015

1:09:39

My guest today is Joan Sotkin. Joan has a fascinating story of avoiding money, then embracing business and earning massively, then losing it all, then rebuilding again.In today's interview she shares her perspective and …

219-Hacking Audiobooks and the Audiobook Marketplace: Pro Tips for Advanced Learners

July 13th, 2015

1:09:47

I love audiobooks. I find them to be an incredibly efficient way to learn and an incredibly productive way to use my time.

In today's show I share with you my pro-tips for how to effectively integrate audiobooks into …

218-The Morning Coach's Guide to Success: Interview with JB Glossinger, Host of the Top-Ranked Morning Coach Podcast

July 7th, 2015

51:43

I'm thrilled to share with you an interview with JB Glossinger, the Morning Coach. I met JB at a Podcast South Florida meetup event and immediately invited him on the show.

JB has a really unique background. After …

217-A Simple Decision Framework: Costs vs Benefits and the Ben Franklin Close

July 6th, 2015

9:28

I used to think that everyone knew how to make decisions. Since starting Radical Personal Finance I've come to learn that some people don't have a clear decision-making framework.

Today, I share with you a dirt-simple …

216-Pay Attention to Your Little Habits; They Can Make or Break You

July 2nd, 2015

10:41

Much of our life is lived on autopilot. We generally handle most things by habit.

One powerful way to improve the likelihood of achieving your goals …

215-Are You Confusing Your Goals With the Means of Their Achievement?

July 1st, 2015

15:20

I spend a lot of time talking to people about their goals. But I notice that many times people confuse their goals and the means to the goals. 

This …

214-Radical Strategies for Dealing with Student Loans: Interview With Jay Fleischman, Attorney and Host of The Student Loan Show

June 30th, 2015

1:28:38

Student loans are a way of life for much of the US American population. Often considered to be "good debt" because the college degree can lead to …

213-Overcoming Financial Ignorance: Interview with Lauren Bowling from LBee And The Money Tree

June 29th, 2015

49:29

Today I'm pleased to share with you an interview with Lauren Bowling from LBeeAndTheMoneyTree.com!

Lauren has a really interesting story surrounding personal finance: After getting her degree in theater, and racking up …

212-We Had a Baby Girl! Comments on Preparing for Child Birth with Mrs. RPF herself!

June 26th, 2015

39:55

Hey Radicals!

Just a quick announcement show for you--our little baby girl was born early Friday morning. Baby and momma are both doing great and we …

211-How to Effectively Use New Media To Promote Your Financial Planning Practice (Or Any Type of Business): Interview With Bill Winterberg from www.FPPad.com

June 25th, 2015

46:51

One of the most fundamental transformations of our modern time is taking place in the field of communication. Although it might feel like we're far into this change, we're really not. It's only just begun

One of the …

210-An Intelligent Person's Guide to Self-Education

June 24th, 2015

1:35:09

Our value and contribution in this world will be directly impacted by the level of our education. It's impossible to create more value without more education.

(Yes, there are many kinds of education. I'm using the word …

209-The Insider Secrets of Angel Investing! (Or What Angel Investing is Really Like): Interview with Doug Nordman (And, Should I Rent or Buy?)

June 23rd, 2015

1:23:00

Today, I welcome Doug Nordman back to the show! Doug is an early retiree (he retired at 41) and his hobby is helping other military personnel improve their financial lives.

One of the more interesting aspects of Doug's …

208-Three Ways To Increase Your Income At Your Job

June 22nd, 2015

54:19

Many people would like to earn more money. But, few people know how to actually look at their situation to assess their opportunities to actually do …

207-Joshua's 30th Birthday Message To You (via the Voice of Jim Rohn!)

June 18th, 2015

3:23

Hey amigos!

Today is my 30th birthday! I'm having an incredible day celebrating with my family and friends.30 is a big milestone for me. I've been reflecting deeply on the last decade and looking forward to the next …

206-A Few Quick Announcements and a Quick Summer Break for the Show!

June 8th, 2015

9:04

Hey Radicals!

Just a quick announcement episode to share that the show will be taking a quick summer break for a few days. I have some show-related work to handle and I can't get it done and still continue producing …

204-A Behind-the-Scenes Look Into High-Risk Life Insurance Underwriting: Interview with Todd Simpson CLU, ChFC from The Stamm Agency

May 28th, 2015

1:19:28

One of my goals for Radical Personal Finance is to bring more transparency to the world of professional finance. Today, I'm glad to shine the light on the life insurance industry.

I've invited a friend of mine onto the …

203-Ideas to Help in Caring for Your Older Parents' Financial Well-Being

May 27th, 2015

1:17:58

Many of find ourselves in a situation where we are concerned about the financial well-being of our parents. Obviously, we'd like to help, if possible.

But, this is rarely easy. There are many, many challenges that can …

201-Friday Q&A: My Parents Just Bought an Annuity...How Do I Help and How To Invest An Extra $20,000

May 22nd, 2015

1:09:03

Q&A show today and I answer these two questions for you:

  • Joshua, My parents just moved to Florida last year and got wooed by an advisor that …

200-My Podcasting Equipment, Workflow, and Lessons Learned From 200 Episodes

May 21st, 2015

1:06:11

From time to time, I receive questions from listeners about the equipment that I use to produce my show. I also get questions about the mistakes I've …

199-Whole Life Insurance

May 20th, 2015

1:21:30

Today, we continue the life insurance series with the valuable background of whole life insurance. Exciting stuff!

This show is an introduction to …

198-What Would I Do If I Won the Lottery?

May 19th, 2015

2:28:53

I received a question from a listner which I decided to answer for you on today's show:

  • Joshua: So, this is a "fun question" that everyone loves to …

197-How Big of an Emergency Fund Should I Have? What Percentage of My Income Should I Owe In Debt Payments?

May 18th, 2015

19:15

Today, I have a tightly focused show for you with a few key points from the CFP® Board curriculum. You will need this information on the CFP® Board …

196-Friday Q&A: Other Student Loan Ideas, Helping Kids Without Enabling Them, Consolidating Accounts, Maxing Out a Spousal IRA, Retirement Distribution Strategies, and Help With Goal Planning

May 15th, 2015

1:19:21

Today, I'm cleaning out the voicemail inbox for my Friday Q&A show. Here are the questions for today:

  • What strategies for student loan payoff …

195-Double (At Least) Your MPGs: 109 Hypermiling Tips from Ecomodder.com

May 14th, 2015

59:49

How much do you spend each year on fuel costs for your car? What is your current mileage per gallon?

Before you rush out and buy a new hybrid to save money on gas, consider improving your driving techniques. It doesn't …

194-You Just Got Laid Off. Here's What To Do Next!

May 13th, 2015

1:04:45

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 …

193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

May 12th, 2015

1:08:53

Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might …

192-Recession is Coming: How to Not Get Laid Off In the Next Recession

May 11th, 2015

59:55

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 …

191-Friday Q&A: Invest or Pay Off Debt, Rent or Buy Calculations, Double Tax Credit for Multiple 529 Accounts, Roth Conversion or Not

May 8th, 2015

1:02:48

Today, I handle these four questions:

  • 3:02 Joshua, I just started listening to your show and I've learned a lot already. I originally started …

190-Learning To Trade Stocks: Interview With Steve Burns, Founder of New Trader University

May 7th, 2015

1:01:40

Today we dig into the topic of trading stocks. And who better to speak with than the guy who started a "university" to teach the subject?

My guest today is Steve Burns, founder of www.NewTraderU.com

Here's some …

189-Term Life Insurance

May 6th, 2015

1:34:46

Today we continue our life insurance series dig into the topic of term life insurance.

Term life insurance is an incredible financial product and …

Out & About: Joshua's Interview on the "Work Strong America" Podcast with Rick Seigmund

May 6th, 2015

41:30

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Work Strong America podcast with Rick Seigmund.

This interview was originally released on Rick's show on February …

188-Avoiding the Sunk Cost Fallacy by Applying Zero-Based Thinking

May 5th, 2015

40:04

Years ago, I learned an extremely valuable thinking process from Brian Tracy called Zero-Based Thinking. Today, I share it with you.

Here's the question: Is there anything in your life that, knowning what you now know, …

187-Friday Q&A: Special Needs Planning, Podcast Feedback, 15-Year Old Son's College Account, My Investment Strategy

April 30th, 2015

1:42:09

Today, we continue the Q&A blitz!

Here are the questions I cover today:

  • Do you have any tips or feedback about how to factor a special needs …

186-Q&A: Real Estate Investing and the Financial Planning Process

April 29th, 2015

58:17

I'm continuing my Q&A blitz today. I set out to answer five questions and wound up answering two. Oh well. At least I think you'll enjoy them!

185-Q&A: Effective Journaling, Where to Invest First $100, Investing Like Your Money Or Your Life, Families Investing Together

April 28th, 2015

1:00:29

Today, I do Q&A and answer these four questions:

  • Joshua, I absolutely cannot get enough of your show. Thank you very much for the effort you put …

184-Financial Freedom Afloat: Lessons We Can Learn From the Long-Term Sailing Community

April 27th, 2015

51:04

I enjoy looking for financial planning tips from odd corners of the world. Recently, I stumbled across the book Financial Freedom aFloat: How to …

183-Friday Q&A: Response to Ep. 181, Dividend Strategy in 529 Plans, Group Life Insurance vs. Individual, Lowering the Cost of Home Ownership, and Exceeding 401(k) Contribution Limits

April 24th, 2015

1:30:37

Today I handle your questions and comments.

Right off the bat, I respond to some of the sharp criticism of Episode 181. Perhaps it will be useful to …

182-Asset Protection Planning: A Practical, Introductory Primer

April 22nd, 2015

45:44

I'm fascinated by the topic of asset protection planning. It engages my personal enjoyment of complicated, intricate planning.

It's in important area of planning. But it's also one of the most over-hyped areas filled …

181-Why We Need More Discussion of Politics, Religion, Philosophy, Morality, and Ethics in Finance, Not Less

April 21st, 2015

3:04:43

Every single aspect of personal finance is influenced politics, religion, and philosophy. Every law and every decision has a moral and ethical …

180-How Life Insurance Policies Actually Work

April 17th, 2015

1:20:12

Today, I share with you the framework knowledge of how life insurnace policies actually work. Once you understand these basic concepts you'll be able …

Out & About: Joshua's Advice For Young People: Interview on the Anarcho-Yakitalism Podcast with Nick Hazelton

April 13th, 2015

1:28:03

I'm not able to record and release a new show for you today due to the rather pressing deadline of the April 15 tax filing date.

I'm finishing up my return today so I'm releasing an interview I gave on the …

179-Friday Q&A: Where to Keep An Emergency Fund, Should I Make a 50% Down Payment, How to Pay For a Master's Degree, How To Prepare For An Overseas Trip

April 10th, 2015

52:21

This morning, I put out a note on the Patreon page for questions from the patrons and I received four:

  • 02:38 I'm currently in the "Financial …

178-How Much Life Insurance Do I Need? A Simple Tutorial On How To Calculate A Life Insurance Needs Analysis For Yourself

April 8th, 2015

44:59

Today's show gives you the tools you need to sit down and calculate an appropriate amount of life insurance coverage for you to own.

On Episode 173, …

177-Interview with Meb Faber of Cambria Funds: Investment Process for Normal People

April 7th, 2015

57:36

By popular request, I've invited Meb Faber on the show for an interview. Meb is well known in the investment world for his contributions on tactical …

176-Practical Asset Allocation and Asset Location for Short-, Medium-, and Long-Term Goals

April 7th, 2015

20:08

Today I want to share a very simple concept with you regarding practical asset allocation.

If you plot your goals on a simple matrix and plot all of your investments on the same matrix, you'll more easily be able to …

174-The Stages of Financial Independence: A Useful Roadmap to Help You Navigate from From Broke to Financial Freedom

April 2nd, 2015

54:06

You can’t go from broke to rich in a single step. There’s no magic fairy who will suddenly transform your financial life for you. You have to do it yourself.

But you can work your way through a path that leads to …

173-Economic Basis of Life Insurance and Individual/Family Uses of Life Insurance

April 1st, 2015

1:06:21

At long last, we enter into the oft-requested topic of life insurance! Today's show is an introduction to the economic basis and justification for life insurance and it's also an outline of some of the uses of life …

172-Retirement Planning From The Financial Advisor's Perspective: Interview with Roger Whitney, Host of the Retirement Answer Man Podcast

March 31st, 2015

59:00

Retirement planning is at the core of the financial planning profession. But, it's a very complex subject and it's tough to wrap your head around the process.

I've invited Roger Whitney, CFP®, CIMA®, CPWA®, AIF®, …

171-Constantly Adjust the Scale of Your Budget Numbers for Maximum Mental Impact

March 31st, 2015

55:03

One of the challenges of personal finance math is the relevance of a particular scale. Sometimes you can get a massive benefit by switching to a …

Out & About: Joshua's Interview on the "Dough Roller Podcast" by Rob Berger

March 25th, 2015

2:01:03

I've got a double problem this week that is keeping me from releasing shows:

  1. No internet at my house.
  2. Launching the new site.

So, I'm releasing a …

Out & About: Joshua's Interview on "Side Hustle Nation" with Nick Loper: Tax Savings Tips for Side Hustlers

March 21st, 2015

50:35

I'm not able to record a normal show today, so I'm releasing a copy of an interview I conducted with Nick Loper from Side Hustle Nation.

This interview was released on February 19, 2015 on Nick's show, just in time for …

170-The Voluntary and Forced Transitions of The Financial Industry: Interview With Fred Gabriel, Editor of Investment News

March 19th, 2015

43:30

My guest today is a veteran of financial reporting. Fred Gabriel has spent the last 17 years reporting on the financial advice industry. He began his career as a mutual fund reporter and progressed to be named the …

169-If You Understand and Apply Opportunity Cost to Every Decision, You'll Coach Yourself To Your Ideal Life

March 18th, 2015

56:39

On Monday, I released the show on new cars vs used cars. It became clear to me while doing that show that I really needed to do an in-depth discussion of the concept of Opportunity Cost.

If you understand Opportunity …

168-The Profit Potential of Niche Industry Conferences: Interview with Philip Taylor of PTMoney.com and FinCon

March 18th, 2015

1:15:24

I've brought you some shows on the concept of advancing your career by attending industry conferences.

But what about getting a double bonus by organizing the conference yourself? That way you get all the benefits you …

167-Used Cars vs New Cars: The Great Debate

March 17th, 2015

1:11:30

Ahhh, the great debate over cars! Should I buy new or should I buy used?

In reality, the answer is simple:

  • What are the needs and wants you're …

166-Why I Host a Daily Podcast and Why You Should Model Me (But Not Necessarily Copy Me)

March 13th, 2015

1:37:19

I'd like to share with you a look behind-the-scenes of the business of Radical Personal Finance. I want you to know why I host a daily (or at least almost-daily) podcast and why I've stuck with that, even with many …

Out & About: Part 2 of Joshua's Interview on "Family Adventure Podcast" with Erik Hemingway: "Build a Budget for Travel"

March 11th, 2015

55:20

This week I'm focused single-mindedly on the new version of the Radical Personal Finance website. So, I'm releasing some alternative content to you for your listening pleasure.

This is Part 2 of an interview I gave on …

Out & About: Part 1 of Joshua's Interview on "Family Adventure Podcast" with Erik Hemingway: "Build a Budget to Live Free!"

March 11th, 2015

54:11

This week I'm focused single-mindedly on the new version of the Radical Personal Finance website. So, I'm releasing some alternative content to you for your listening pleasure.

This is Part 1 of an interview I gave on …

Out & About: Joshua's Interview on the "Create My Independence" Podcast With Kraig Mathias

March 9th, 2015

44:52

This week I'm focused single-mindedly on the new version of the Radical Personal Finance website. So, I'm releasing some alternative content to you for your listening pleasure.

This is an interview I gave that was

165-Friday Q&A: Handling Aging Parents Finances, Roth Rollovers, Thinking More Broadly About Investing, How to Pay for Your Body to Be Frozen Until You Can Be Reanimated and How to Be Rich When That Happens!

March 6th, 2015

1:13:20

It's Friday and on Fridays, I answer your questions. If you'd like me to answer your questions, please email them to me or call them in on the website.

Question #1:

Joshua,

My father, who is 60 years of age, has become …

164-An Introduction to Hackerspaces and Makerspaces: Interview with Jessica Fong, President of the South Side Hackerspace in Chicago

March 5th, 2015

36:33

Years ago I heard of the concept of a hackerspace/makerspace. In essence, a hackerspace is a community-operated physical place where people can meet and work on their projects.

But, the work that can come out of those …

163-The Impact of Your Savings Rate on Your Time to Financial Independence (A Tribute to the Value of "The Shockingly Simple Math Behind Early Retirement")

March 5th, 2015

39:00

I spent years consuming personal finance literature and the idea of saving 10 to 20% of my income was hammered into my head. That is the standard percentage that is recommended to be saved by prudent, diligent people.

I …

162-Teaching Financial Planning as an Undergraduate College Curriculum: Interview with Dr. Nathan Harness, Assistant Professor of Finance at Texas A&M University

March 4th, 2015

1:23:35

Traditionally, the knowledge and skills of financial planning were learned by financial advisors on the job. Most financial advisors started as either stockbrokers or insurance salespeople and then moved into financial …

161-A Tribute to Tom Stanley: 10 Major Finance Lessons I Learned From The Author Of The Millionaire Next Door

March 3rd, 2015

1:09:48

I was very saddened to hear on Sunday night that Dr. Tom Stanley, author of the famous book "The Millionaire Next Door" and many others, died in a car accident near his home in Atlanta on Sunday afternoon.

As I …

160-Friday Q&A: Career Planning For Ideological Changes and How To Budget for an Irregular Income

February 28th, 2015

1:29:11

Today on the show, I answer these two questions:

Joshua,

The reason why I am writing has nothing to do with finances, but career advice.  Did you (or do you) provide career counseling?  If not, can you at least …

159-Financial Planning Isn't Just For Boomers Anymore: Interview with Alan Moore, Co-Founder of XY Planning Network

February 27th, 2015

1:16:10

The financial planning industry faces many challenges. One of the major challenges has been how to effectively serve younger generations of clients.

My guest today has some ideas on how things can be done better. He set …

158-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 3: Pre-Paid Tuition Plans

February 26th, 2015

53:47

Today, we dive into the details of Pre-Paid Tuition Programs. I'm generally not a fan of these programs and you get to hear why! (I do acknowledge that they have their uses). 

This opinion (my non-fan-ness) has always …

157-Raising Six Kids On The Road: A Long-Term Travel Lifestyle Interview With Greg Denning From Discover, Share, Inspire

February 25th, 2015

1:08:30

I'm fascinated by long-term travel stories. After all, some people have to wait until they're retired to travel but some people are able to do it long before?

How? Why? What can we learn from them?

My guest today is …

156-Applying Compound Interest To Your Goals: Lessons Learned From the Magic Doubling Penny

February 24th, 2015

58:35

Most of us have heard the example of the magic penny that doubles every day in value for a month. But, have you sat down and looked at that example to really understand what lessons you can apply to your own life?

155-Bringing Financial Planning to Gen Y: Interview with Sophia Bera, Founder of Gen Y Planning

February 20th, 2015

1:15:15

https://www.patreon.com/radicalpersonalfinance

I don't think it's unfair to say that the financial planning industry is known for being a bit stuffy at times. If you ask an average person what they think of when they …

154-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 2: Savings Plans

February 19th, 2015

39:45

http://Patreon.com/RadicalPersonalFinance

We continue our Masterclass on 529 plans today. If you haven't heard part 1, Go back and listen to episode 138 first. 

152-Measuring Your Biggest Asset: The Lifetime Value Of Your Income

February 16th, 2015

1:04:20

http://radicalpersonalfinance.com/patron

You've probably heard that your income is your biggest and most important tool in your wealth-building …

151-Travel Announcement - Flying to Dallas Tomorrow - RPF Meetup?

February 12th, 2015

6:06

Hey amigos,

I've decided last minute to fly out to Dallas, TX tomorrow morning to attend the "Technology Tools for Today" conference for financial …

150-Building a Career for Yourself By Wearing a Nametag Every Day: Interview With Scott "The Nametag Guy" Ginsberg

February 10th, 2015

1:13:58

Today's show is a fabulous interview about career creation. My guest is Scott Ginsberg. Scott is most well-known for his love of name tags. He's worn …

149-A Brand-New RPF Crowdfunding Campaign! And A Brand-New App For The Show

February 10th, 2015

56:30

http://RadicalPersonalFinance.com/patreon

Today, we launch our brand-new crowdfunding campaign! I've closed the old Irregulars membership program and …

148-Save Money By Establishing a Non-Profit Corporation For Your Business Instead of a For-Profit Corporation: Inerview with James O'Neil from Training For Safety

February 6th, 2015

1:05:18

Have you ever thought about the money you could save if you didn't have to pay taxes on the profits of your business? Might be nice, eh?

Well, have …

147-Overcoming Investment Anxiety: Interview With Dr. Alice Boyes, Former Clinical Psychologist and Long-Term Traveler!

February 5th, 2015

1:07:43

My guest for today's show is Dr. Alice Boyes, former clinical psychologist from New Zealand. She is an expert on overcoming anxiety (her new book "

146-Intro to Business Bookkeeping Systems: Interview with Ryan Marquez CPA, MSAT

February 4th, 2015

1:50:41

Good data is incredibly important to making good financial decisions. If you don't know where you are or where you've been, it's hard to know if you're on track and making measurable progress towards your goals.

Today …

145-Brilliant Market Timing or Pure Serendipity? Interview With Nick O'Kelly, Co-Author of Live On The Margin

February 3rd, 2015

1:42:55

My guest today is Nick O'Kelly. Nick is the co-author of Live On The Margin, a book about taking a different approach to regaining control of your …

144-Friday Q&A: Can I Retire With $1.4M, What Do I Do With Too Much Cash, and Should I do a Roth 401(k) or Traditional 401(k)?

January 31st, 2015

1:00:09

Today, I bring to you three very fun but straightforward questions. Here they are:

Question #1: @01:56

Dear Joshua, 

My wife and I are well read in the areas of index fund investing, frugal living, early retirement, and …

143-Intro to Self-Directed IRAs: How to Invest In Real Estate, Tax Liens, Physical Gold and Silver, Structured Settlements, Horses, Livestock, Farmland, Timberland, and More In Your IRA

January 30th, 2015

1:55:10

I've been looking for an expert on self-directed IRAs to bring on the show and I was thrilled to meet Kirk Chisholm at FinCon last year.

Kirk is an …

142-One Possible Business Model For an Ethical Financial Planning Practice Serving Middle-Income Families

January 29th, 2015

1:25:29

I designed a potential financial planning practice structure a year or so ago. It has been my backup plan if Radical Personal Finance were unable to be financially productive. (It's probably still a backup of a backup.)

139-My Advice for People Interested In Getting Into Financial Planning

January 22nd, 2015

1:22:01

At this point, I'm honored to get about an email a week from someone asking about how to get into the financial planning business. Sometimes, I get …

138-Masterclass on 529 Plans a.k.a. Qualified Tuition Programs - Part 1

January 21st, 2015

1:30:18

We're continuing our college series with an in-depth discussion of 529 plans.

529 plans are incredibly popular in all their permutations. (Many …

137-Ideas To Make More Money on the Side: Interview with Nick Loper from Side Hustle Nation

January 19th, 2015

52:54

As we rattle around and around the iron triangle of wealth (income, expenses, and intelligent use of the difference), we come today to the topic of income. Specifically, how can you create some extra income?

The world …

136-Get Ready for Global Recession and $20/Gallon Gas in 2015!

January 16th, 2015

54:53

We need to get into some economics today and I'm going to do some prognosticating. This is a very rare event on the show, so here goes!

Prediction: there will be a global recession in the future. And gas will go up to …

135-Be Confident in Your Unique Offering and Then Stick To Your Knitting

January 15th, 2015

51:36

Today's show is a bit of a pep talk--for you but also for me! 

We are taught by society to compare ourselves with other people. Even though we're all supposed to be "unique and different, we're really not. After all, …

134-Q&A: Incorporating in California vs. Wyoming (or Nevada or Delaware) and How to Decide Asset Allocation for an Investor in Sri Lanka

January 14th, 2015

1:12:46

Q&A continues with two very interesting questions today:

  • 2:30 "Should I incorporate my business in California or in Wyoming? Also, for my son, …

133-Q&A: Paying off Your Primary Mortgage With a HELOC (Mortgage Acceleration) and How Safe is My Deferred Comp Program?

January 13th, 2015

1:17:24

We're continuing our Q&A series this week and today I handle these two questions:

  • 00:01 Melissa heard about an idea of using a HELOC to pay off …

132-Q&A: Thinking Through Buying Life Insurance on Your Kids' Lives and Clarification on 72(t) Substantially Equal Periodic Payments for Retirees

January 13th, 2015

56:17

When I started recording the show, I planned to answer six questions. But, after finishing the first question and realizing how in-depth the show …

131-Filter Your Financial Advice Through the Lens of Scale

January 8th, 2015

47:15

I read a lot of financial advice from many different perspectices. I also frequently am asked about financial advice. "Is this a good idea?" "What do you think about this investment idea?"

Over the years, I have noticed …

130-My Personal Development Plan for 2015

January 6th, 2015

1:18:33

I like the change of the calendar year. It's a convenient time to sit down and take an inventory of where things are and assess the plans for where things are going.

2014 was an awesome year. It was certainly one of the …

Teaching Canadians to be Financially Independent By Age 45: Interview with Timothy Stobbs, Author of Canadian Dream-Free at 45! RPF0129

January 2nd, 2015

1:02:47

As we begin a new year, I think it's fitting to start with a discussion of financial independence!

My desire for all of you is that you may experience financial independence as you define it and that you may establish a …

The Financial Advisor Who Can't Retire: Interview with Paul Merriman RPF0128

December 30th, 2014

56:18

My guest today is Paul Merriman. I was introduced to Paul by a couple of listeners who requested I bring him on the show. I'm glad they did!

Paul is …

Money Advice For Teens: Interview with Eva From Teens Got Cents RPF0127

December 29th, 2014

43:13

Today, I bring you an interview with a dynamo: Eva from TeensGotCents.com.

I met Eva in New Orleans at the FinCon conference. She was attending with her mother and I was incredibly impressed with her.

Eva writes about …

Investing in Sustainability and Weathering the Financial Storms of Life: Interview with Jeff from The Sustainable Life Blog RPF0126

December 26th, 2014

49:54

Personal finance touches every aspect of life by definition. Every aspect of our life involves finance in some way.

As we make the decisions of life, …

Establishing Rites of Passage to Ease the Transition to Adulthood: Interview with Dr. Vern Poythress RPF0125

December 23rd, 2014

51:34

My guest today is Dr. Vern Poythress. Dr. Poythress is a mathematician and a theologian. Most important for this discussion, he and his wife, Diane, …

Designing Human Habitats for an Abundant Lifestyle: Interview With Ben Falk, Permaculture Designer and Founder of Whole Systems Design RPF0124

December 22nd, 2014

1:10:39

My guest today is Ben Falk. Ben is a really incredible permaculture designer with a comprehensive focus.

Ben runs a planning firm called Whole …

Friday Q and A: Resources for the Executor of an Estate, Specialization vs. Generalization, Advice for Transitioning to a Single-Income Family RPF0123

December 20th, 2014

1:13:55

On Fridays, I answer your questions! I decided I didn't want to handle any of the in-depth, math-related questions today so I chose these three …

Geo-Arbitrage and Expatriation for a Better Life: Interview with James Wesley, Rawles of Survival Blog RPF0122

December 18th, 2014

54:03

Today, we welcome Jim Rawles, Founder and Editor of SurvivalBlog.com back on the show to discuss improving your lifestyle and personal resilience by moving.

We talk about optimizing your lifestyle within the United …

Last-Minute Tax Planning Ideas To Save You Money RPF0121

December 17th, 2014

1:18:43

Today on the show, I've got some last-minute tax planning ideas for you. These are all ideas and tactics that you can use in the last two weeks of 2014 to lower your income tax bill.

I hope you don't defer your tax …

Getting a Designer Education on the Cheap: Interview with Scott Young, Inventor of the MIT Challenge RPF0120

December 17th, 2014

1:10:11

Is education something that we buy or something that we work for? Ever thought about that?

My guest today is Scott Young. I first heard of Scott when I watched his TEDx talk on "How to Get an MIT education for $2,000."

Building Wealth One House at a Time: Interview with John Schaub RPF0119

December 16th, 2014

1:08:51

I love real estate investing. I think it's one of the most accessible, realistic ways for people to grow their long-term wealth at an excellent rate of return.

Today, I'm thrilled to bring you an interview with John …

Transitioning From Personal Finance Blogger and Writer to Financial Advisor from a Canadian Perspective: Interview With Dan Bortolotti, the Canadian Couch Potato RPF0117

December 11th, 2014

1:16:39

Today, I have a really great interview on finance from a Canadian Perspective. But make sure to listen whether you're Canadian or not.

My guest is …

How to Set and Achieve Your Financial Goals in 2015 and Beyond RPF0116

December 10th, 2014

1:16:08

The new year is fast upon us. Even though we're in the midst of the busy holiday season, this is a convenient time to consider the success and …

Helping Your Kids Develop Talent (So You Don't Have To Support Them Forever): Interview with Jonathan Harris from 10kToTalent RPF0115

December 9th, 2014

1:44:05

Financial Planning is--and should be--fully integrated with every aspect of life. Often, there are non-financial ways of hitting financial goals that …

Little Known History of the ER Movement: Interview with Doug "Nords" Nordman RPF0114

December 8th, 2014

1:11:57

Doug Nordman is a really neat guy who has made an incredible contribution to the Early Retirement (ER) community. Known affectionately in various forums as "Nords," he contributes a rational, learned perspective on …

Reasons to be Optimistic About the Present and the Future RPF0112

December 4th, 2014

53:48

In today's world, it's easy to find reasons for pessimism. And yet, we truly live in a time of greater abundance and quality of life than ever before.

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

December 3rd, 2014

1:50:19

Today we have a really fun interview with Steve Maxwell.

Steve is the father of eight and his three oldest sons have all purchased their houses …

How to Live Without A Car Even With Two Kids! Interview with Christopher DeLaney RPF0110

December 2nd, 2014

1:06:30

Today, I have a really great show for you with Christopher DeLaney. Christopher and his wife have two little kids and they maintain a modern lifestyle without a car! Impressive!

Christopher is gentle, unassuming, …

A Comprehensive Review and Critique of "Money: Master the Game" by Tony Robbins RPF0109

December 2nd, 2014

3:36:28

Well, it took a few days longer than I planned because of the fact that its 600 incredibly dense pages, but today I share with you my review and critique of Tony Robbins' new book.

This was a very challenging project …

Achieving the American Dream? Yes, It Is Still Possible! Interview with Mark and Lauren Greutman from I Am That Lady and The Simpler Happier Life Podcast RPF0108

November 24th, 2014

1:34:47

In our current culture, it's easy to become discouraged and feel as though the American Dream is out of reach for the common person. Is it easier to …

A Comprehensive Guide to the Ultimate Education Account a.k.a the Coverdell Educational Savings Account RPF0106

November 20th, 2014

2:31:09

Today, we take a look at one of the most misunderstood and underutilized accounts in your tax-planning aresenal.

The Coverdell Education Savings …

Radical Immediate Retirement: Escape the Soul Crushing Horror of Your Job Right Now? What Could Happen if you Just Chucked it All and Quit? RPF0107

November 19th, 2014

1:23:28

My guest today is David Downie, an attorney from Australia. David found himself stuck in the middle of his career, frustrated at life and simply decided to quit without much of a backup plan. 

Many adventures have …

The Benefits of Minimalism as a Financial Plan: Interview about Living Car-Free and in Tiny Houses with Tammy Strobel from Rowdy Kittens RPF0105

November 18th, 2014

1:06:37

What can you do if you're feeling a bit stuck financially? Basically stuck in the rat race? Expenses about equal to income and some debt hanging on?

How to Get Money Out of Your Retirement Accounts Before 59.5 for Early Retirement RPF0104

November 17th, 2014

1:15:02

I've done a number of interviews on the show with early retirees and early retiree hopefuls. One common theme is that many of them are using …

Survivalism As a Financial Plan: the Tactics for "Surviving the End of the World as We Know It" Applied to Modern Life - Interview with James Wesley, Rawles RPF0102

November 13th, 2014

2:03:14

There's a lot of interest in our current-day world with the ideas of survivalism and prepping. One visit to your local bookstore's magazine rack will illustrate this to you.

Economic recessions and depressions, market …

How to Calculate How Much You Need to Save For Your Kid's College RPF0101

November 12th, 2014

1:08:19

Planning for a child's college expenses is a major financial goal for many parents. Unfortunately, this is an area filled with conflicting advice. 

The Back Story on RPF and Details of our new Membership Program RPF0100

November 11th, 2014

1:56:42

Today, we celebrate our 100th episode! I'm thrilled to hit this milestone!

In today's show I share with you a bit about the genesis of the show, the path we've been on so far, and why I have done it the way I have.

What is Your Vision and Plan For Your Child's Primary and Secondary Education? RPF0099

November 10th, 2014

1:29:28

Today, we continue our education series with a discussion of my ideas and vision for primary and secondary school education. 

One large problem in …

Friday Q and A: I Doubled My Income, Now What? How Do I Retire With No Money? Is Insurance a Good Investment? RPF0098

November 7th, 2014

1:03:50

It’s Friday! Time for another Q&A show! I was able to answer a total of three questions: I basically doubled my income from $100,000 to $190,000. I’m spending $30,000 per year. How do I invest all the extra money? …

An Ordinary Pursuit of Financial Independence: Interview with Eat The Financial Elephant RPF0097

November 6th, 2014

1:23:11

Sometimes it’s easy to think that financial independence is accessible only to “extreme” people. That’s simply not the case. You don’t have to live in a tent in the woods in order to gain financial independence. …

Financial Independence via Dividend Investing: Interview with Jason from Dividend Mantra RPF0096

November 5th, 2014

1:28:45

Many of you have asked me to do a show on dividends and dividend investing. I decided to do it with an interview format instead of on my own. Today, we talk with Jason from DividendMantra.com about his path to financial …

Early Retirement FAQs: Should I Pay Off Debt First or Should I Invest? An Interview with Joe, AKA Arebelspy RPF0095

November 4th, 2014

2:09:20

Today, we continue the Early Retirement FAQs series with Arebelspy, one of the lead moderators in the Mr. Money Mustache forums. We tackle the …

How to Save Money on Baby Costs: Frugal Tips with Mrs. RPF Herself! RPF0094

November 3rd, 2014

1:09:02

Babies are expensive! Right? Well, Mrs. RPF and I haven’t found it to be so. Today, I’d like to introduce you to my wife and we’ll share with you …

Friday Q and A: What to Do With $200k of Student Loans, Starting Multiple Businesses, and a Cash Flow Statement Win! RPF0093

October 31st, 2014

58:47

It’s Friday! That means it’s time for Q&A! Today, I take one comment from a listener and two questions: A listener did their cash flow statement “Joshua’s way” and discovered taxes are the biggest item in their …

The Business of Financial Advice: Opening the Curtain on The History, Present State, and Future of Financial Advice with Michael Kitces RPF0092

October 30th, 2014

1:54:15

I’m constantly asked about the topic of hiring and working with a financial advisor. I’m asked how to find a good advisor, what makes a good advisor, and how to know if you have a good one. I’m also asked how anyone …

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

October 29th, 2014

1:13:29

Many of us have had exposure to various forms of insurance throughout our lives. But how do you make the initial decision whether insurance is appropriate for you? Today, I share with you a framework for considering …

The Lost Tools of Learning by Dorothy Sayers (audio version)

October 29th, 2014

51:53

This is an audio recording of Dorothy Sayers‘ well-known essay entitled “The Lost Tools of Learning.” The Lost Tools of Learning Dorothy Sayers That …

The Untold History of School That You Probably Don’t Know (2 of 2): Interview with Brett Veinotte, Founder of the School Sucks Project RPF0090

October 28th, 2014

58:02

Today we have Part 2 of my interview with Brett Veinotte on the history of school. If you haven’t heard it yet, start with yesterday’s show! Joshua …

The Untold History of School That You Probably Don’t Know (1 of 2): Interview with Brett Veinotte, Founder of the School Sucks Project RPF0089

October 27th, 2014

1:40:21

Today, we continue our education series by exploring the history of school with a special focus on the information you probably don’t know.. …

Becoming a Minimalist for Greater Happiness: Interview with Joshua Becker from BecomingMinimalist.com RPF0088

October 24th, 2014

1:15:51

Intentional minimalism is a powerful strategy to consider for personal financial planning. The richest man is not he who has the most but he who …

Teaching Finance With a Pirate Adventure Novel and an Insider’s Guide to Wall Street: An Interview with Joey Fehrman, CFA RPF0087

October 23rd, 2014

1:23:54

Do we really need another book on finance? There are already tons of really great books on finance extant. But, how can we reach those who really don’t read very much? My guest today is Joey Fehrman, CFA and he decided …

Developing a Wealth Plan: Interview with Todd Tresidder, Founder of Financial Mentor RPF0086

October 22nd, 2014

1:21:39

The Personal Finance blogosphere is healthy and growing. Many of the writers who heavily influenced and contributed to the growth are no longer writing. And, many new writers are doing an excellent job! But, only a few …

How to Really Save Money on Utility Bills With Intelligent Engineering and Energy Planning: Interview with Steven Harris, CEO of Knowledge Publications RPF0085

October 21st, 2014

Since we’re constantly working our way around the triangle formula of wealth (income, expenses, rate of return on the difference), there is a …

Protect Your Wealth From Inflation by Implementing the Alpha Strategy (by John Pugsley): Concept, Implementation, and Problems RPF0084

October 20th, 2014

1:24:24

Many people today are concerned with the potential impact to their wealth of long-term inflation, mass inflation, and hyper inflation. Few have a …

Retire at 33 With 3 Young Kids! An Early Retirement Interview with Justin from Root Of Good RPF0083

October 17th, 2014

1:54:50

I’ve got a great Friday show for you! Today, we’re going to interview early retiree Justin who writes at www.rootofgood.com. Justin has a great …

An Introduction to Peer-to-Peer Lending (e.g., Prosper and Lending Club) with Simon Cunningham of LendingMemo.com RPF0082

October 15th, 2014

1:29:28

I’m interested in the topic of Peer-to-Peer lending but I’m not an expert on the subject. So, I went out and found an expert to teach us about the basics! Simon Cunningham is the founder of www.LendingMemo.com and is an …

How to Live Without a Mortgage! Interview with Rob Roy, author of “Mortgage Free: Innovative Strategies for Debt-Free Home Ownership” RPF0081

October 14th, 2014

1:18:17

Today, I have an interview with Rob Roy for you. Rob is an awesome guy. He’s the author of “Mortgage Free: Innovative Strategies for Debt-Free Home Ownership.” He and his wife live in a house they built in upper New …

How to Become a Millionaire on a Teacher’s Salary In 20 Years – Interview with the Millionaire Educator RPF0080

October 13th, 2014

2:09:47

I have a special spot in my heart for teachers. In many ways, the teaching career is an ideal career for building financial independence. But, it comes with its own unique set of challenges. Many people automatically …

What’s It Actually Like Living in a Bus With Three Small Children While Saving for a House? Challenging! Interview with Noah & Sarah from Little Bus on the Prairie RPF0079

October 10th, 2014

1:01:42

I’ve always been interested in bus conversions and people who live in them. Today’s show is an interview with a young family who is living in a bus while saving and building their house. Sarah and Noah Springfield have …

Early Retirement FAQs: Should I Invest in Real Estate or Stocks? An Interview with Joe, AKA arebelspy (who is on track to retire at 30 on a teacher’s salary) RPF0078

October 9th, 2014

1:24:52

I’m excited about the massive growth of the early retirement community online. I’ve benefited hugely from the information and I want to serve and give back to the community. One of the most active forums I’ve found …

How to Pay for College Part 1: Teach Your Baby to Read RPF0077

October 8th, 2014

58:42

Today, we start our series on intelligent and radical ways to pay for college. We will arrive quickly at the technical discussion on this topic but …

Prudent Preparation for All Circumstances is the Core of a Financial Planning Mindset RPF0076

October 7th, 2014

1:00:19

Today’s show is about prudence and preparation in all areas of life. One of the oft-ignored aspects of personal financial planning is to plan …

Friday Q and A: Calculating Life Insurance for Special Needs Planning, How to Get Started as a CFP, Another Mistake I Made, What To Do When You’ve Done All You Can, Ethical Investing & 4% Rule Clarifications RPF0075

October 3rd, 2014

2:25:57

Today, we have some excellent questions submitted from some very smart listeners! I was excited to be able to answer the questions for you and I’m really pleased with the variety, interest, and depth of this show. I …

How to Save Money on Groceries, Hotels, and Everything Else! Interview with Josh Elledge, Founder of SavingsAngel.com and the 90 Days to Abundance Podcast RPF0074

October 2nd, 2014

1:16:08

After yesterday’s deep dive into the science of financial planning I decided today we need something a bit lighter. And, in many ways, more …

Introduction to the 4% Rule: History, Context, Problems, and Ongoing Research (Interview with Dr. Wade Pfau) RPF0073

October 1st, 2014

1:19:18

There’s a great deal of information online about the “4% Rule” for retirement income. Much of the information is excellent. Some of it is flawed. …

What I Learned at #FinCon14 and my MSFS Residency…and How I Hacked the Two-Week, 3,200 Mile Roadtrip for $600 RPF0072

September 30th, 2014

1:15:55

I’m back! After two weeks out of the office and on the road, it feels good to be home in front of the microphone! Today’s show is a bit more personal. I share with you some of the lessons I’ve learned over the last two …

The Compounding of a Career RPF0071

September 29th, 2014

16:47

I’m on the road today so the show is a little different. Today I have a very short story for you about the compounding of a career. I think you’ll really enjoy this story of success. Links: The original James Clear …

Choose Your Hobbies Carefully! RPF0070

September 26th, 2014

18:23

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of choosing your hobbies …

Invest in Your Health! RPF0069

September 25th, 2014

4:24

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of investing in your health. No yelling. No prescriptions of exactly how you need to do it. Just some …

Invest in Your Marriage! RPF0068

September 24th, 2014

10:22

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of investing in your marriage. No yelling. No prescriptions of exactly how you need to do it. Just some …

If You’re Tired of Paying Heavy Taxes, Why Not Move? Interview with Andrew Henderson, Founder of www.nomadcapitalist.com and the Nomad Capitalist Report RPF0067

September 23rd, 2014

1:06:13

I’m very, very interested in strategies that work to help people build better lives for themselves in every way. One major area of interest to me is simply opting out of the confiscatory tax regime of the United States. …

Do Financial Broadcasters Like Dave Ramsey Do More Harm than Good? A Frank Conversation Between Two Fans RPF0066

September 22nd, 2014

1:09:07

I’m often asked what I really think about Dave Ramsey and his work. And I’m generally fairly slow to answer the question simply due to my desire to focus on things that I love that are positive rather than being …

Should I Pursue a Financial Planning Designation Just for My Own Knowledge? LIVE from #FinCon14! RPF0065

September 19th, 2014

38:49

Today’s show is live from #FinCon14! And, it’s an answer to a listener question. Here’s the question from a listener named Jeff: Hey Joshua, I have been listening to your podcasts ever since I found them a few weeks …

How to Work 10 Years, Retire in Your Early 30s, and Spend the Rest of Your Life Traveling the World: An Interview with Jeremy and Winnie from Go Curry Cracker RPF0064

September 18th, 2014

1:12:21

It’s not easy to retire early. But it’s also not necessarily complicated. In many ways, there’s a well-worn path to success and our guests today are a good example of one way that works. Jeremy and Winnie set out on a …

The Importance of Tracking Your Time and Some Tips For How To Do It RPF0063

September 17th, 2014

11:45

I’m on the road today so the show is a little different. Today I have a very short essay on the importance of tracking your time and some tips to help you set up a system that will work for you. This is episode …

Sailing Around the World with 6 Kids: An Interview with Erik Hemingway Host of The Family Adventure Podcast About His Family’s 3.5-Year, 25-Country Adventure! RPF0062

September 16th, 2014

1:24:59

I love adventure and really love to hear adventure stories from people who have  gone out and fully embraced a unique adventure. I’m especially …

The Importance of Tracking Your Money and Some Tips For How To Do It RPF0061

September 15th, 2014

9:54

I’m on the road today so the show is a little different. Today I have a very short essay for you on the importance of tracking your money and some tips to help you set up a system that will work for you. No yelling. No …

Four Useful Goal-Setting Questions and Correcting Two Mistakes I Made Recently RPF0060

September 13th, 2014

43:26

Today I’m going to share with you one important question (and four follow-ups) that have really helped me in my own life and in my past work with …

How to Make Your Entire Living on Craigslist: Interview with Ryan Finlay from ReCraigslist RPF0059

September 11th, 2014

1:00:27

What would you do if you were $25,000 in credit card debt, unemployed, and had $200 to your name? Would you go get a job or would you start buying …

Illustrations of the Value of Being Able to Live Cheap: An Excerpt of Tim Ferriss and Kevin Kelly (sick day) RPF0058

September 10th, 2014

12:40

Wednesday was a sick day around the Sheats household and RPF HQ! But, I wanted to still bring you a bit of thought-provoking audio and today’s …

Professional Portfolio Manager Turned Early Retiree: Interview With David Stein, Host of Money for the Rest of Us RPF0057

September 9th, 2014

1:18:27

Today’s show is an interview with David Stein, a former professional portfolio manager and now host of the “Money for the Rest of Us” podcast. We had …

Financial Plans Should be Unique! 18 Variables That Could Dramatically Affect Your Plans RPF0056

September 8th, 2014

1:00:00

Today, we tackle head on the myth that financial plans should be the same for all people.  They simply shouldn’t. But we’ve probably all swallowed …

Friday Q and A: I Have $1,000,000, I’m 35, and I Hate My Job: Can I Retire Early? RPF0055

September 5th, 2014

1:20:59

We have a really fun question from a listener today! Essentially, it’s this: I’m 35 and I don’t like my job…I have a $1,000,000 and I want to retire but no one can agree on whether I can or not! Tune in to hear my …

How to Become The Millionaire Next Door: An Interview with John Pugliano, Founder of Investable Wealth LLC and the Wealthsteading Podcast RPF0054

September 4th, 2014

2:01:03

I’m thrilled to bring you today’s interview with John Pugliano. John has followed the prudent path of the Millionaire Next Door–starting with nothing …

How Does My Tax Return Work? An Explanation to the Structure of IRS Form 1040 RPF0053

September 3rd, 2014

43:57

Many people today have no idea how the tax return works. This is probably because many people today (including me) use either a compu