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

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

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

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

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

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

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

On today's Q&A podcast we discuss: 1:35 I'm saving way more money than I need to. What should I do instead? 13:06 I intend to stay single for life. What financial planning should I focus on to take care of myself? 29:13 I want to build an advice business and still maintain my privacy. How do I do that? 40:18 How do I set up a new partnership agreement in my medical practice? 53:08 My wife and I are expecting our first baby. What should we do to prepare? 1:07:25 How do I protect an elderly person's home while applying for Medicaid? 1:18:00 Should I give up an $800,000 income so that we can move to Latin America? 1:43:51 Should we move from Texas to Montana to raise children closer to family? 1:54:02 What's the max amount I can afford to spend on a house? 2:09:55 Should we pay cash for our house by going in a Radical housing direction? 2:43:00 How can I get out of debt? Enjoy! Joshua Join me in Panama for my event here in January! https://expatmoney.com/radical  Join my email list: https://radicalbooklist.com   

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

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

On today's Friday Q&A we discuss: 1:35 Internationalization for Europeans 14:48 How to record audiobooks for your children 23:17 Should I buy a Whole Life Insurance policy? 53:11 Should I buy a business or start my own? 1:04:40 Is Joshua still worried about famine? 1:09:35 Should I learn two languages at the same time? 1:14:56 I got engaged recently and need to start working on a prenuptial agreement. Where do I begin? 1:32:41 I'm driving trucks but want to move in a different direction; what now? 1:49:02 How do I start homeschooling my children? Enjoy! Joshua Sign up for my event in Panama in January! https://expatmoney.com/radical  www.InternationalEscapePlan.com  https://patreon.com/RadicalPersonalFinance to join me next week

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

On today's Q&A show we discuss: 1:51 What are the first three resources I should use to learn spanish 12:32 How should I transfer my money into the USA? 16:32 What do I do with an unexpected windfall? 20:48 How do I find a good tax preparer for my real estate business? 30:45 Should I sell my old rental house tax free or keep it? 42:44 I want to become a financial minimalist. How do I streamline things? 52:14 Should I listen to podcasts or audio books? 1:00:58 Should I switch to a paperless household and financial system? 1:16:25 What documents should I carry while traveling and how should I carry them? 1:25:09 Why are the men in Christian churches so effeminate and uninspiring? Enjoy! Joshua To join me next week, join us at https://patreon.com/radicalpersonalfinance  Come to my Investment Tour of Panama in January: https://expatmoney.com/radical 

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

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving." The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year. But this story is filled with financial lessons for those with ears to hear. As you listen to a life of long ago (circa 1830), I'd encourage you to reflect on the life that you and I now live in comparison. For me, this reflection fills me with Thanksgiving, which is the starting point of living a rich life now. You are rich. I am rich. Let's realize it and act appropriately. Joshua If you prefer to read the story to your children yourself, here is the text I read: https://digital.library.upenn.edu/women/alcott/thanksgiving/thanksgiving.html  Here are a few poem and prayers of Thanksgiving you may enjoy as well: O Lord, that lends me life, Lend me a heart replete with thankfulness! ~~William Shakespeare 1564-1616 May all who share these gifts today Be blessed by Thee, we humbly pray. What God gives and what we take 'Tis a gift for Christ his sake;

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

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

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

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

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

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

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

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

On today's Q&A show we discuss: Should I become a US Citizen? Should I Invest into US Treasuries Given Today's High Interest Rates? Should I Switch to a Low-Deductible Health Insurance Plan? What can I do to prepare for my in-laws to move in? To join me on next week's call, go to https://patreon.com/radicalpersonalfinance  Joshua

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

https://expatmoney.com/radical 

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

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

1:30: How to decide to fix up or sell a house 14:36 Are Christian Healthcare Sharing Ministry share payments tax-deductible? 20:20 How should husbands and wives approach their financial discussions? 40:23 Does Joshua still love www.MathAcademy.com 1:11:49 Does Joshua still love www.AblesideOnline.org Enjoy the show!  To gain access to the next Q&A show go to https://patreon.com/radicalpersonalfinance  Come hang out in 🇵🇦Panama🇵🇦 with me in January! https://expatmoney.com/radical   

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

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

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

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

https://expatmoney.com/radical 

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

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

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

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

Come spend a week with me in January on an Investment Tour of Panama! https://expatmoney.com/radical  Book a consulting call during my August sale: https://radicalpersonalfinance.com/consult 

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

Come hang out with me for a week in Panama in January! www.expatmoney.com/radical  Book a consulting call. www.radicalpersonalfinance.com/consult 

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

https://expatmoney.com/radical 

On today's Friday Q&A show we cover: 00:40 Can I build/maintain community connections while traveling with children? 15:48 How do I know when it's the right time to swich to a job I love instead of one that makes more money? 24:07 How can I set up a lifestyle where I can see my parents more? 30:44 If I build my business right so that my spouse can run it, can I skip life insurance? 48:04 How do we handle screens/influences in other homes? 57:00 I've got one good year of budget data. Now what? 1:06:10 Should I buy LTC insurance? 1:19:08 How do I negotiate a new job opportunity? To join me next week, go here: https://patreon.com/radicalpersonalfinance Joshua

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

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

www.HowToRetireSuccessfully.com 

www.InternationalEscapePlan.com 

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

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

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

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

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

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

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

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

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

https://radicalpersonalfinance.com/consult 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In today's podcast, Steven Harris and I discuss the STRONG likelihood of global famine over the coming years and carefully analyze the underlying causes of this concern. I am deeply concerned about global food supplies over the next few years, due primarily to low fertilizer availability and high fertilizer cost. And, the disruptions in the energy markets (which you can see with the wild price hikes and shortages in so many places) are making everything massively worse. I want you to understand what is happening so you can prepare appropriately both defensively and offensively. Joshua Steven's website: www.Harris1234.com Use code RPF20 to save 20% on all Steven's products. Use code MONEY7 to get his "3 Methods of Wealth Creation" class for only $7.  

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

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

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

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

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

From Climbing Parnassus by Tracy Lee Simmons 

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

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 

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

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

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

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

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

On today's live Q&A we cover: 1:05 Should I avoid Target Date Retirement Funds due to the recent Vanguard debacle? 18:37 How can I make my children's summer vacation more productive? 53:38 Should I buy the house I'm living in? 1:00:35 Should I do a 1031 on my commercial property or simply sell it and pay the tax? 1:07:58 Should I have my mom set up a Medicaid Trust? 1:19:54 Can I move my business to Wyoming to save on California taxes? 1:32:03 Help me pick which government school to enroll my children in. 1:49:00 How will I know when I'm legitimately Coast FI? 2:03:15 How can I negotiate a better deal with my boss? Join me on next week's Q&A at https://patreon.com/radicalpersonalfinance  Joshua

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

www.internationalescapeplan.com 

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

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

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

www.BitcoinPrivacyCourse.com 

www.InternationalEscapePlan.com 

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

www.BitcoinPrivacyCourse.com  www.InternationalEscapePlan.com 

www.BitcoinPrivacyCourse.com 

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 

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

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

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

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

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

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

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

On today's live Q&A show we cover: 1:00 Three separate corrections from previous shows 13:04 How much whole life insurance should I buy for my emergency fund? 20:54 Should I put my savings against my high interest-rate credit card debt? 30:10 Should we start a living library? 35:00 How should I go about buying gold? 53:06 How do I move from a blue collar job to a white collar job? 1:08:18 Should I buy disability insurance for my homemaker wife? 1:21:00 How can I help my children learn a foreign language? 1:49:15 How can you get more good things done in your daily schedule? 2:06:45 How do I structure my disability insurance if I'm likely to change jobs frequently? 2:11:52 Why is living in your car such an interesting strategy? 2:27:00 Should a non-resident in the USA build a credit profile in the USA? To join me on next week's Q&A show, go here: https://patreon.com/RadicalPersonalFinance   Joshua  

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

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

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

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

I'm often asked where to start with regard to privacy. For the last few months I have been publicly and privately recommending Gabriel Custodiet's book "The Watchman Guide to Privacy: Reclaim Your Digital, Financial, and Lifestyle Freedom." It's perhaps the best single book that I've read that discusses privacy in a comprehensive, yet accessible way. Today, I'm thrilled to welcome Gabriel himself to the podcast. Enjoy! www.watchmanprivacy.com  https://www.amazon.com/Watchman-Guide-Privacy-Financial-Lifestyle/dp/B08PX7KFS2/ 

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

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

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

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving." The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year. But this story is filled with financial lessons for those with ears to hear. As you listen to a life of long ago (circa 1830), I'd encourage you to reflect on the life that you and I now live in comparison. For me, this reflection fills me with Thanksgiving, which is the starting point of living a rich life now. You are rich. I am rich. Let's realize it and act appropriately. Joshua If you prefer to read the story to your children yourself, here is the text I read: https://digital.library.upenn.edu/women/alcott/thanksgiving/thanksgiving.html  Here are a few poem and prayers of Thanksgiving you may enjoy as well: O Lord, that lends me life, Lend me a heart replete with thankfulness! ~~William Shakespeare 1564-1616 May all who share these gifts today Be blessed by Thee, we humbly pray. What God gives and what we take 'Tis a gift for Christ his sake; Be the meal of beans or peas, God be thanked for those and these; Have we flesh or have we fish, All are fragments from His dish. ~~Robert Herrick 1591-1674 Prayer Lord, behold our family here assembled. We thank thee for this place in which we dwell, for the love that unites us, for the peace accorded to us this day, for the health, for the food, and the bright skies that make our lives delightful, for our friends in all parts of the earth. Give us courage, gaiety, and the quiet mind. Spare to us our friends, soften us to our enemies. Bless us, if may be, in all our innocent endeavours. If may not, give us the strength to encounter that which is to come. May we be brave in peril, constant in tribulation, temperate in wrath, and in all changes of fortune loyal and loving to one another. As the clay to the potter, as the windmill to the wind, as the children of their sire, we beseech of Thee this help and mercy for Christ's sake. Amen. ~~Robert Louis Stevenson

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

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

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

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

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

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

On today's Friday Q&A show: 1:30 Difficulties on 1031 exchanges 6:45 Should I start a business on the side or full-time? 11:45 Can I deduct my student loans as a business expense? 12:15 We are expecting a baby. How should I use my paternity leave? 22:30 How do I get rid of a credit card with an annual fee? 30:15 Should I maintain multiple bank accounts and multiple brokers? 39:30 Should I buy a house? 44:00 How can we help children develop entrepreneurship? 52:00 How do I communicate with my wife about a radical lifestyle? 1:06:30 My mom is headed deep into debt as a result of medical bills, possible into bankruptcy. How do we protect her?

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

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

Recently, US government agents raided 800 safe-deposit boxes and stole $86,000,000 of cash plus other valuables from the box holders. The government is trying to keep the money under the Civil Asset Forfeiture rules in the USA. Today, I explain the details of the case to you as well as how to protect your money and stuff from similar thefts. Joshua BOOK A CONSULTING CALL WITH JOSHUA: www.radicalpersonalfinance.com/consult  Yahoo News: "Federal authorities cash in on safety box seizures as owners fight back" LA Times: "FBI says fortune seized in Beverly Hills raid was criminals’ loot. Owners say: Where’s the proof?" LA Mag: "The FBI Is Trying to Keep More Cash Seized from a Beverly Hills Vault" YouTube: "Never Get Busted Again Volume 1 Official: Traffic Stops - Full Video by BARRY COOPER"

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

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

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

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

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

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

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

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

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

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

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

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

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

It's Friday! Today we do Q&A! 1:30 Is there a downside to a second citizenship? 20:04 Should I invest for early retirement or buy a house? 47:37 How are my crypto wages taxed as I earn them and they grow? 1:06:00 Should I cash out my teacher's pension or keep it? 1:16:48 I make 3x money as I did 6 months ago. Am I spending too much? 1:24:27 I have $1,000,000 in the stock market. Should I sell? 1:38:20 How can I plant some flags as a farmer? 1:52:31 How can I pay my parents to work for my business? 2:01:00 What's wrong with Universal Life Insurance? To join next week's show, go to https://patreon.com/RadicalPersonalFinance

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

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

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

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!

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

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

Save 50% on all of my courses until March 31 using coupon code CHANGINGPLATFORMS at https://radicalpersonalfinance.com/store 2:30 Should I buy a health insurance policy on the public exchange or join a Christian Healthcare Ministry? 9:30 Can I open an HSA account if I’m on my parents’ policy? 13:00  How long should I keep my personal banking records? 17:10 Should I convert my group life insurance to a personal policy? 26:30 Should I sell my rental property to invest in something else? 35:10 Should I take my money out of my 401(k) using the Coronavirus penalty relief? 40:45 Should I trust the government’s tax promises about my 401(k)? Joshua

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

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

It's Friday and that means live Q&A! But remember that I'm doing a limited-time sale: Go to https://radicalpersonalfinance.com/store and get 50% OFF all of my courses using coupon code CHANGINGPLATFORMS I'm ending my personal consulting work on March 31, 2021. If you'd like to book a personal consultation with me, go to https://radicalpersonalfinance.com/consult and book now. Plus, you'll save 25% on that service too! On to today's topics: 2:40 What can I learn from my recent investment wins? 11:06 I've decided not to FIRE as soon as I though; should I buy a vacation property? 25:41 Can going offshore lower my personal liability exposure? 40:52 My wife and I are retiring young. Now what? 54:36 Understanding the options on disability insurance. Enjoy! Joshua p.s., remember to save 50% at https://radicalpersonalfinance.com/store with coupon code CHANGINGPLATFORMS and to book an consulting call with me at https://radicalpersonalfinance.com/consult before they disappear!

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

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

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

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

It's Friday! Live Q&A today: 2:00 Questions on retirement account contribution for US Americans living abroad 19:48 Should I dump my whole life insurance policy? 35:21 What are the rules on the disposition of stuff for my rental property? 45:21 Should I make big year-end contributions to my retirement accounts? 51:00 I just got laid off. What do I need to do now? 1:08:00 Should I enhance my charitable giving by giving appreciated assets? 1:14:44 How do I figure out the tax rules on my cryptocurrency? 1:21:15 Should I keep my home base in the USA or dump it and move? Enjoy! To join next weeks Q&A show, go here: https://patreon.com/RadicalPersonalFinance   

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

Friday Q&A today: 2:10 - Free resource for end-of-the-year planning: www.yearcompass.com 3:00 - How aggressive should I be in scaling up my real estate company? 22:15 - Should I rollover my 401(k) and 403(b) to an IRA 35:30 - Should I put my child into kindergarten at an early age? 43:44 - Should I deduct my early stage business expenses now or later? 47:14 - What should I do with a $600,000 inheritance 1:06:00 - Should I participate in my 457(b) plan? 1:06:41 - I want to leave my $225k corporate job to be a full-time trader. How can I do it faster? 1:20:45 - Should we keep our old house as a rental? 1:34:38 - Should I participate in my company’s mega-backdoor-Roth? 1:45:20 - Should I move my $1M brokerage account offshore? To join me on next week's Q&A show, support the show on Patreon: https://patreon.com/RadicalPersonalFinance

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

Live Friday Q&A today! 1:45 The future of cryptocurrency and associated tax questions 24:48 Should an early retiree set up a guaranteed income stream? 37:18 Will I owe tax if I’m moving around working as a digital nomad? 45:52 How can I invest in my children without messing up my simple cashflow system? 56:58 Should I invest in a Biblically Responsible mutual fund 1:12:38 Where can I put my real estate down payment money to get a bit more interest? 1:21:15 Joshua’s current advice for existing podcasters 1:37:16 Should I set up a corporation for my business or keep running it as a sole proprietorship? 1:46:45 If it’s ok to take welfare, why not make a class teaching people how to get it? Enjoy! To join me next week, go here: https://patreon.com/RadicalPersonalFinance Book a private consultation here: https://radicalpersonalfinance.com/consult 

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

Note: This show was originally released on November 7, 2016. It's every bit as relevant today, November 2, 2020 as it was on that date. Listen to it afresh today with four years of hindsight.  ------------------- In case you haven't heard, this presidential election is the most important one in your lifetime. It will retain that title until November 9 when the 2020 election will take over as reigning champ. Not only is this the most important election of your lifetime, but if the wrong person is elected, we literally face the end of the world as we know it! So, what are you to do? Well, today's show contains my thoughts and advice around presidential politics as well as 10 things you can do that will actually make a difference after you've cast your vote for President of the United States. Joshua

Today I share with you a recent interview I gave for the Life Meets Money podcast with Matt Miner. Matt Miner has been on Radical Personal Finance several times and this was a fantastic interview! We discussed lifestyle design, risk and emergency planning, insurance, prepping, etc. in great detail.  Enjoy! Joshua This show was originally posted on the Life Meets Money podcast here: https://lifemeetsmoney.com/joshuasheats 

It's Friday! Today we tackle: 1:30 Tax issues on inherited real estate + a healthy retirement 19:40 Should I buy a placeholder annuity so I get today’s mortality rates? 33:27 What opinions on teaching children about money has Joshua changed over the years? 47:00 Should I build a business in financial coaching? 1:16:45 I want to get into financial planning; what should I do? 1:39:42 I got denied for a credit card offer; what do I do next? I've recently begun offering financial consulting again. You can book an appointment here: https://radicalpersonalfinance.com/consult If you'd like to join me on next week's Q&A call, join me at https://patreon.com/RadicalPersonalFinance 

In today's show I'm welcoming Steven Harris back to the show to discuss investing in commodities. When most people think of investing in commodities, they immediately think of gold and silver. Gold and silver have a place and can be useful, but they are not the only pathway to investing in commodities. In today's show Steven and I discuss how you can invest in commodities like food, metal, tools, etc.  Enjoy! Joshua Go to www.RPF1234.com to buy Steven's preparedness education courses. They're awesome! (I own—and paid for—all of them myself.)

It's Friday! In today's Q&A show we cover: 1:50 Buying disability insurance and maintaining financial privacy while dealing with insurance agents 40:30 Buying a house with a land contract Enjoy! Joshua

On today's Q&A call we cover: 00:45 I graduate with a nursing degree in 6 months. What should I do next? 20:20 Should I have speculated in the recent stock market downturn with my down payment money? 38:30 I have 3 properties. Do I need an LLC for asset protection? 57:30 Should I buy concealed carry insurance? To join next week's call, go to https://patreon.com/RadicalPersonalFinance  Enjoy! Joshua  

One year ago my wife and I decided to teach our children Spanish. At the time, they spoke zero Spanish. We succeeded in the project even though: They don't go to a Spanish-speaking school They don't have any Spanish-speaking friends They've not taken any Spanish classes They don't have anybody speaking Spanish to them full-time In this episode, I'll teach you how I did it. Joshua P.S.  Stay tuned to the end to hear my eldest speaking in Spanish so you can assess his level of Spanish for yourself.

On today's Friday Q&A call we discuss: 00:45 I’m inspired by Trump’s taxes. How can I start a lifestyle business for myself? 32:10 What kind of sales job should I get? 49:00 How can I protect my assets in Montana? 1:00:42 Should I buy a more expensive house? 1:22:42 Reasons to refinance your mortgage now 1:26:20 I still don’t understand Trump’s tax returns. Help! Enjoy! Joshua Join my Patreon to gain access to next week's call: https://www.patreon.com/RadicalPersonalFinance 

The New York Times recently published a story on the analysis of President Trump's tax returns.  Allegedly, Trump has not paid any income taxes in 10 out of the last 15 years. In today's podcast I analyze the financial planning behind the details in the article and teach you how you can use the same techniques Trump uses to shelter his income from taxes. Joshua NY Times story: https://www.nytimes.com/interactive/2020/09/27/us/donald-trump-taxes.html  www.RadicalPersonalFinance.com/store 

On today's Friday Q&A show: 1:03 I have a low-paying job while in college. How can I get a better job? 18:22 What name should I use for my online activities? 32:06 How do I actually take income from an investment portfolio in retirement? 49:23 I'm leaving California for Central America; where should I go? 1:11:50 I'm moving to Florida; what kind of hurricane planning do I need to do? 1:17:50 I'm worried about my exposure to USD. How can I hedge my bets? 1:22:54 I'm moving from California to Texas. What should I consider in the process? 1:35:27 I'm starting a new business that might fail; how can I protect my assets? 1:51:21 Should I pay off my mortgage? To join me next week, go to https://patreon.com/RadicalPersonalFinance 

Billionaire Churck Feeney has recently finished giving away his entire $8 billion fortune. In today's show, we'll talk about whether you should copy him and how you could do it. Joshua Forbes: The Billionaire Who Wanted To Die Broke...Is Now Officially Broke Where he gave his money: https://www.atlanticphilanthropies.org/wp-content/uploads/2019/10/ZeroIsTheHero.pdf

It's Friday! Today we cover: 00:48 How to get a raise at your job 11:55 Should I classify a 2nd house as an investment property or a second home? 25:30 Do I get a better deal on my mortgage by classifying a house as a second home? 31:15 How do I solve the tension between saving money and giving money? Enjoy! Joshua

Friday Q&A show! Today we discuss: 00:30 Contractor status or employee status? 31:00 What happens with our money when interest rates go negative? 43:21 Is it really a good idea to have lots of cash on hand? 1:03:30 How should I set up an emergency escape vehicle to get out of California wildfires? 1:17:31 I used a life insurance loan as a down payment for my house; what do I do now?

In March, things looked really bleak. But the stock market recovered in a spectacular 5-month period. Did we get it wrong? Do we regret anything we did? Joshua

All of the news these days on coronavirus is positive. Is this a glimmer of the beginning of the end? Although we certainly expect many more people to get sick with COVID-19 and some to die, I think it is. I'll tell you why. Joshua

What are your goals for your children? What skills and abilities do you want them to have when they leave your home? My guest, Jonathan Harris, is the father of nine children. His four eldest children have all established themselves as independent adults, building careers on the foundation of their personal talents and passions. In today's show, we discuss the strategies and tactics that have been helpful for him. www.ParentTheirPassion.com   www.10ktotalent.com  

Live Friday Q&A today! 00:50 I just bought a new house. What practical prepper stuff should I do? 32:00 Can I & should I use Medicaid to cover my health insurance needs in early retirement? 51:01 I need a new Tow Rig; what truck should I buy? 1:10:21 Should I refinance my mortgage? 1:15:06 How can I become more relaxed with conflict in my life? 1:29:00 My HOA is underfunded; should I be worried? Enjoy! Joshua

It's Friday! Today, we cover: 9:00 How to socialize children when stuck at home? 22:27 How are IRAs Taxed for US citizens who renounce their citizenship? 38:18 How should we set up foreign corporations for US citizens moving abroad? 50:00 How should I go about looking for a financial advisor? 59:09 How can I run a business with total privacy? 1:22:51 Where does media production go from here? 1:35:00 How can a retirement-age couple with $130,000 decide where to put their money? 1:47:21 Should I put my new house into a trust? 1:53:47 Which home security system should I install in my new house?

Millions of students are sitting at home wasting their time watching online courses for measly high school credit. That's dumb. Why not just go ahead and get an online bachelor's degree instead? In today's show, I'll tell you how. Joshua  

In today's Q&A we discuss: 1:30 How can we equity strip a house in preparation for divorce? 13:17 Should I buy more whole life insurance if I'm planning to take a sabbatical in 6-8 years? 49:21 Are affirmations useful for personal development? 1:15:00 Should I be worried about leaving my home place in the current emergency?

Moving is an extremely effective—albeit disruptive—way to improve certain aspects of your life, both financially and personally. All over the world there are millions of people who understand very clearly that if they can simply move to a country with a healthier, more robust economy. But what country do you choose? For hundreds of thousands of people, Canada is an obvious solution. Today I've invited Brandon Miller, owner of Maple Immigration on to the show to discuss immigration into Canada. We speak about immigration broadly and then specifically with regard to Canada. Enjoy! Joshua Get a free copy of Brandon's book "Second Passport: Your Guide to a Secure Alternative Home for You and Your Family Just in Case!" by emailing Brandon: info@mapleimmigration.ca  Brandon's website: https://mapleimmigration.ca 

Friday Q&A: 1:30 What steps can I take to protect my privacy and assets as I get into real estate investing? 17:22 Should I take an early $100,000 IRA distribution due to the CARES Act? 24:30 WWJD if his global trip were cut short and he were trying to build an online business? 44:00 How can I build a sideline bee business that my children can help me with? 1:02:00 How can we reconcile the value of being a modern nomad with the value of local community? To join next week's show, support the show on Patreon: https://patron.com/radicalpersonalfinance 

Live Friday Q&A: 2:00 Do I stick out my job and current career because it's profitable and comfortable or do I pivot to something new while I'm young? 16:20 Should I do Infinite Banking as part of my retirement plan? 38:40 Should I go to college? 59:10 My 79-year-old father needs income. What should he invest in? Join next week's show here: https://patreon.com/radicalpersonalfinance Listen to 227-The Five Benefits of College and Radical Ways to Exploit Them

Resource: "Languages for the Future: The foreign languages the United Kingdom needs to become a truly global nation"  https://www.britishcouncil.org/sites/default/files/languages_for_the_future_2017.pdf 

Increasing your language skills can help your brain, your social life, and your wallet. In today's show, I give you some tools I have found to be useful in my own foreign language studies. Joshua Fluent Forever by Gabriel Wyner https://fluent-forever.com/book/ Anki https://apps.ankiweb.net Lingq: https://www.lingq.com/en/ 

This episode was first published in May 1, 2017. It's important. Please listen. ------------------------------------------------------ If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye. You need insurance against that eventuality. Today, I'm going to teach you why it's vitally important that you arrest-proof yourself and how to do it. Joshua Arrest Proof Yourself book: http://amzn.to/2ph7Xos Don't Talk to the Police video: https://youtu.be/d-7o9xYp7eE You Have the Right to Remain Innocent video: https://youtu.be/gpkc2FZFR5k BUSTED: The Citizen's Guide to Surviving Police Encounters: https://youtu.be/yqMjMPlXzdA

Time for live Q&A today! 3:15 Does changing my credit mix improve my credit score? 8:50 How can I find a good real estate deal? 14:48 My parents are in their early 50s and not saving money. How can I help them? 32:37 Should I buy life insurance on the lives of my children? 46:37 Should I buy a rental house first or my forever house? 50:46 How do I prioritize my financial goals? 55:15 We're having a baby! What should I know? 1:18:24 Where should I keep my emergency fund? Enjoy! Joshua

Watch this episode on YouTube: https://youtu.be/BQtrLx0EELw

It's Friday! Today we cover: 1:30 - What does Joshua think about the long-term future of the USA? 25:08 - Is Bank on Yourself / Infinite Banking a good idea? 56:13 - Should I get a Master's Degree right now or a job? 1:13:00 - How can I start a forum to meet smart people? Joshua P.S.  To join me on next week's Q&A show, join me on Patreon: https://patreon.com/radicalpersonalfinance 

You have an incredible opportunity available to you right now. Don’t miss it! Watch this episode on YouTube: https://youtu.be/cvFLUsmlMWI

Watch this episode on YouTube: https://youtu.be/xBThQszqk4E

Watch this episode on YouTube: https://youtu.be/3KiE5BOwM9E

Watch this episode on YouTube: https://youtu.be/36fIApfStZM 1:30 - Stock market volatility - are total stock index funds a safe bet? 14:12 - How can I build self-confidence with public speaking? 18:54 - How can I start a for-profit daycare or school? 35:35 - How should I use this time to learn more about money? Other important topics?  How can I invest wisely at age 28? 46:00 - Should I take out a HELOC and use it to invest in a rental property? 53:00 - How can we decide whether my wife or I stay home with my son? 1:00:25 - Thoughts and strategies for working at home? 1:05:10 - Update on carnivore dieting?

Think you can't have a traveling adventure simply because you don't have any money? Well, if you think you can or you think you can't, you're right. If you'll adjust your mindset a bit, you can head out on a traveling adventure right now.

It's Friday! On today's live Q&A show we discuss: 1:10 Should I keep a credit card with an annual fee because it helps my credit score? 5:22 Should I pay off my mortgage right now or wait so I can invest in rental real estate? 10:59 Will the rental market be in demand again in the future? 12:22 Should I refinance my 15-year mortgage to a 30-year in order to have more cashflow? 15:20 What should a Radical Personal Finance live event look like? 23:47 Should I do a like-kind exchange right now or sell the property, pay the tax, and wait for the market to decline? 41:43 I'm 28 and just got out of debt. What should I do next? 59:26 How should I start a side business while simultaneously working a high-profit day job?

It’s Friday! On today’s Q&A we cover: 1:23 - Should I take the HELOC money out and put it into my bank account? 4:57 - Should I defer my mortgage payments if possible? 6:30 - How does this economic crisis affect my FIRE plans? 16:52 - What should an 18-year-old do with $56,000 in his bank? 32:49 - Should we leave our high-income job to fulfill our dream of moving to the country? 48:24 - How should I give away $40,000 to $50,000 per year effectively? 1:19:20 - Should I take a voluntary furlough from my job? 1:24:12 - How should I set up my new business structure? 1:40:45 - How do I choose between two good job offers?

We're in a recession. It hasn't been "officially" acknowledged yet, but it certainly will be. So let's talk about how you can profit from this situation. With the right attitude and the right decisions, you can come out of this difficult time positioned for greater and greater success. Let's talk about how. Joshua

It's Friday! In today's Q&A show we cover: 1:00 Joshua's predictions on COVID-19 17:32 How to be positive during COVID-19 27:00 How to walk away from a working class mentality and adopt a rich mentality 52:12 Is it ethical for me to take unemployment insurance? 1:03:13 Is this a good time to go into the market? Enjoy! Sign up to support the show on Patreon: https://patreon.com/radicalpersonalfinance Private consulting is $150 off. Email joshua@radicalpersonalfinance.com with coupon code MARCHMADNESS All courses are 20% off with code "CORONAVIRUS" at https://radicalpersonalfinance.com/store Take my Family Preparedness class: https://radicalpreparedness.com Use "CORONAVIRUS" to save 20%

Quick update: I'm available for private consulting. Hourly rate is discounted from $400 to $250 until the end of March with code MARCHMADNESS Email me: joshua@radicalpersonalfinance.com Courses are 20% off with code "CORONAVIRUS" at www.radicalpersonalfinance.com/store and at www.radicalpreparedness.com “To be truly challenging, a voyage, like a life, must rest on a firm foundation of financial unrest. Otherwise, you are doomed to a routine traverse, the kind known to yachtsmen who play with their boats at sea… “cruising” it is called. Voyaging belongs to seamen, and to the wanderers of the world who cannot, or will not, fit in. If you are contemplating a voyage and you have the means, abandon the venture until your fortunes change. Only then will you know what the sea is all about. “I’ve always wanted to sail to the south seas, but I can’t afford it.” What these men can’t afford is not to go. They are enmeshed in the cancerous discipline of “security.” And in the worship of security we fling our lives beneath the wheels of routine – and before we know it our lives are gone. What does a man need – really need? A few pounds of food each day, heat and shelter, six feet to lie down in – and some form of working activity that will yield a sense of accomplishment. That’s all – in the material sense, and we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention for the sheer idiocy of the charade. The years thunder by. The dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it, the tomb is sealed. Where, then, lies the answer? In choice. Which shall it be – bankruptcy of purse or bankruptcy of life?”

It's Friday! We have a Q&A show today. But please listen. My economic concern continues to grow and I want you to be prepared for what could happen economically in the future. It's very serious. 1:15 I have a family member stuck in Costa Rica. How do they get home? 4:10 I'm about to get a tax refund. What should I do with the money? 33:05 Should I be working in California or Spain at the moment? How can I profit from the current crisis? 52:25 Why should I have thousands and thousands of dollars of physical currency available to me right now? 1:16:15 How can I properly integrate a Dave Ramsey portfolio into my life?

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

Perhaps, like me, you're having a hard time getting your brain to accept what you're seeing around you and on the news and you're trying to figure out what's going on. In working through this problem, I decided to chart out my Best-Case Scenario and my Worst-Case Scenario for both the medical problem of the COVID-19 pandemic and the economic outlook. I figured I might as well turn the microphone on and let you listen in. I hope it's useful. Joshua

It's Friday! Time for Q&A. In today's show we cover: 1:30 - How should I prepare for buying rental real estate in 2 years? 10:40 - Should I contribute to retirement savings while saving a down payment? 13:15 - Should I use a Roth IRA to accumulate a down payment? 18:00 - If I refinance my mortgage to get lower rates, what should I do with the money? 26:15 - How can I make the transition from a lucrative career to a side hustle? 45:45 - Should I quit my job right now, given the recent changes in the economy? 51:15 - Can I do tax loss harvesting with two index funds? 54:05 - My wife is a French citizen. Should I also pursue French citizenship? 1:01:00 - How do I know when it is time to buy a stock? 1:03:10 - Should I take a 401(k) loan to set aside for potential opportunities? 1:14:30 - How can I become freer and richer by setting up a nomad lifestyle? 1:47:20 - How can I prep and build food storage while maintaining a Ketogenic diet? Enjoy! Joshua Buy my courses: https://radicalpersonalfinance.com/store Get my prepping class: https://radicalpreparedness.com Sign up as a Patron so you can be on next week's call-in show: https://patreon.com/radicalpersonalfinance

I woke up this morning and felt like I've been overly optimistic in my tone recently. I genuinely feel optimistic, but that's not because I don't think the situation is very dire. It is. In today's show, I try to share with you why I feel optimistic but I seek to give you a stern warning not to let my optimism lead to your inaction. Joshua

Quick interim show to share a few of my thoughts on the emerging COVID-19 events. Fascinating study in human psychology going on now. Pay attention! Coronavirus: Why You Must Act Now https://medium.com/@tomaspueyo/coronavirus-act-today-or-people-will-die-f4d3d9cd99ca The Korean clusters: How coronavirus cases exploded in South Korean churches and hospitals https://graphics.reuters.com/CHINA-HEALTH-SOUTHKOREA-CLUSTERS/0100B5G33SB/index.html

Current events show today. Let's discuss: COVID-19 Economic prognostication Stocks Risk Management Enjoy! Joshua

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

Friday Q&A show: 1:35 I'm 25 years old and ready to upgrade my lifestyle. Can I and still get rich? 14:30 Should I pay the big money for a Dale Carnegie course instead of Toastmasters? 22:10 Is it possible to be a financial advisor when you don't like Modern Portfolio Theory? 32:15 Should I stock up on fish antibiotics for an emergency? 37:15 Should I stop investing in a 401(k) if I don't trust the government promises? 53:11 My "dream job" is turning not to be so dreamy. Should I quit or stick with it? 1:12:50 What citizenships should I establish for my children so they have a brighter economic future? 1:44:41 Should I buy Long-Term Care insurance for myself at age 34? 1:54:42 How should I do asset protection for my real estate portfolio? 2:01:52 When should I exercise my Incentive Stock Options?

It's Friday! Today we do live Q&A: 2:00 How should I support my girlfriend's desire to get a Master's degree in international development? 10:29 How should we make an investment plan for lowering our household income due to changing family circumstances? 16:55 Should I cancel my daughter's whole life insurance policy and do something else with the money? 38:40 Should I keep my mortgage and plan to pay it off with my stock market investments so I can retire early?

The most important economic collapse ongoing in the world right now is Venezuela. Today, I bring you an interview with a friend of mine who is actively working inside Venezuela to bring relief. He's here to share with you his experiences of what things are actually like inside Venezuela. Joshua

It's been a month since I first spoke to you about the Coronavirus, now called COVID19. In today's episode, I double-down and share with you my concern and how I think you should prepare for the potential economic ramifications of global pandemic. Joshua Join my prepping class tonight! www.RadicalPreparedness.com Understanding Just-In-Time inventory systems: Episode 581 How to Prepare for Recession: Episode 666 CDC: "Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019 (COVID-19), February 2020"

Today, we reach the seventh, capstone Ring of Freedom: Financial Liberty. When you are Financially Independent (able to live your desired lifestyle on the income from your investments), you have reached a genuinely huge level of personal freedom. Joshua www.RadicalPreparedness.com

It's Friday! That means a live call-in show for Patrons. Sign up here: http://patreon.com/radicalpersonalfinance Today, we cover: I just left my job. Should I break my lease and live in my Prius? Enjoy! Joshua

How do you live freely in a world of increasing government oppression? Is it possible to escape onerous government involvement in your life? Here's my answer! Joshua

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

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

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

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

I'm fascinated by the reports and videos coming out of Wuhan, China. I've never before seen a city of 11 million people shut down for a quarantine. I don't think it's every been done before! But it's amazing to watch. Today, I want you to think about what would happen to you and your family if you were quarantined for an extended time. If I sent you home and said you and your family had to stay there for the next 30 days, could you do it? Would you survive? Would you be comfortable? If not, you're behaving irresponsibly. And you need to prepare for such a thing. To start, you probably need to buy some food. In this show I give you some practical foods to start with. Enjoy, Joshua P.S. Sign up for my live webinar series on Practical Family Preparedness: www.RadicalPreparedness.com

To join next week's Q&A call, go to www.patreon.com/radicalpersonalfinance Joshua

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

I want you to live as a free man. So in this series, I'm working to give you some ideas as to how you can achieve a very high level of freedom while you're on your way to financial independence. Today, I'm going to share with you the dramatic impact that home education can make on your family's personal liberty. Joshua

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

In this series, I aim to give you some ideas that have helped me to develop an extremely free lifestyle, even though I'm not yet financially independent. Today, I'm going to share with you one of the single greatest assets that I enjoy in my quest for personal freedom: a stay-at-home wife. This lifestyle choice is one of the things that has most meaningfully contributed to the joy and freedom that my family experiences. It's also helped us massively financially. Consider it for yourself! Joshua

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

I want you to experience a lifestyle of freedom and liberty, in every sense of the word. So today we begin a new series called "Seven Rings of Freedom." Achieving financial independence will make you more free. But there are a bunch of things that you can do along the way that will greatly increase your freedom. Today, we discuss Spiritual Liberty. If you are personally, spiritually free, you can enjoy peace and joy and contentment in your situation, no matter what the details of your situation are. You can be a human slave and be completely free, if you possess spiritual freedom. For that reason, we begin our series with Spiritual Liberty and a discussion of why Christianity is the superior path to Spiritual Liberty. Joshua

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

Set goals that you don't know how to achieve. Joshua www.RadicalBookList.com

It's Friday! Time for Q&A: 3:40 Do I need liability insurance for my business? 35:45 How can I get good life insurance rates if I'm fat? 1:20:25 What should I do for $300,000 of cash I'm saving for a business investment very shortly? 1:22:30 Why are "high finance" people so dismissive of people who like dividend investing? Joshua Join me for next week's call by supporting the show on Patreon. www.patreon.com/radicalpersonalfinance

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

It's a live Q&A show today! We cover: 1:30 - How can I build career confidence and skills when I don't have much time? 30:15 - I just got married; what is good advice for buying a house? 41:35 - How can I make sure that my 401(k) money is safe in case of recession? 54:15 - How can I invest into my local community? 1:12:45 - Should investors pay 1% to hire a financial advisor?

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

A new decade is dawning and my hope is that this decade be the best one yet! But if you're going to tackle this decade proactively, you'll need to begin by dreaming a bit about what you'd like to accomplish this coming decade. Let's get started, Joshua REMEMBER: save 50% on all my courses until midnight tonight using code CYBER50 at www.RadicalPersonalFinance.com/store

On today's show we veer away from financial independence and into living well today with a discussion of the Ketogenic diet. I've invited Jack Spirko, host of The Survival Podcast on today's show to discuss his recent weight loss journey. He has lost a significant amount of body fat in a short period of time and together we share ideas, tips, and experiences to help you achieve fat loss as well. Enjoy! Joshua Jack recommends the "Keto Diet App" for tracking macros. What about fiber? www.gutsense.org Jack's Low Carb Journey: https://www.youtube.com/playlist?list=PLpHUZsnFSzdIEublkmBRRpdLCqKS0axin Jack likes these YouTube Channels: Thomas DeLauer https://www.youtube.com/user/TheTdelauer/featured Dr. Ken Berry https://www.youtube.com/user/KenDBerry Keto Connect https://www.youtube.com/channel/UCzRYivTpUQ0r2qPPjfLoQiA  

Over the last 5 months or so I've lost over 50 pounds of fat. This fat loss has significantly improved the rich quality of my life. I'd like to share a few words of experience and encouragement with you to help you on your own fat loss journey. Joshua P.S. Remember, code "CYBER50" saves you 50% off all my courses through Monday at www.RadicalPersonalFinance.com/store

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

Today's guest recently had extensive shoulder surgery done and he saved thousands by choosing to have the surgery in Mexico rather than the USA. We discuss the details of his experience as well as his personal financial independence success story. Enjoy! Joshua

Today, we do Friday Q&A: 00:00 Should I quit my job while I look for a business to buy or wait until I find one? 13:00 How should I go about becoming a minority partner in a business? 26:28 What is the best way for my dad to give me a rental property he doesn't want anymore? 41:00 Should I refinance from a 15-year mortgage to a 30-year mortgage? (And how can I progress in my career?) 1:00:17 Should I sell my stocks in anticipation of a market decline? Enjoy! Joshua Join me on next week's Q&A! http://patreon.com/radicalpersonalfinance

On today's Friday Q&A, we cover: 1:45 The value of a sabbatical 17:45 Homeschooling vs. private schools 46:30 Modern Portfolio Theory Enjoy! Joshua If you'd like my recommended reading list for financial freedom, go to http://RadicalBookList.com

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

Reading can provide you with all of the knowledge you need to crush some very large goals in a very short time. But you need to know how to read effectively. Today, I teach you how. Joshua Get my recommended reading list here: http://RadicalBookList.com

Listen to the show. Joshua

If you were discharged from the military for cocaine use, would you be able to seamlessly move into a $600,000/year job? If not, you should consider building your influence a bit more! In today's show I'll give you some ideas to help you develop this influence. Joshua Networking With the Affluent by Thomas Stanley

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

1:00 Would you like to come to a 3-day seminar with fellow listeners? 10:11 How can I prepare for healthcare risk? 24:50 How do I calculate the financial costs/benefits of moving states? 35:30 How do I help my parents who don’t have much money build a retirement plan? 53:05 How can I market my physical product? 1:06:45 Should I use whole life insurance as the cash component of my permanent portfolio? 1:30:10 Should I put my life insurance policies into a trust? 1:47:10 How do I balance prepping and minimalism?

My guest on today's show moved from India to the USA as a young man. Starting with no money, he became financially independent in about 12 years. In today's interview we dig into the strategies and tactics that worked for him. Enjoy! Joshua John's website: www.FinancialFreedomCountdown.com

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

Today, we finish out the 3-part series on preparing for layoffs in the coming recession. Today's show will be useful to you, even if you just got notice of your layoff and didn't do anything to prepare for it beforehand. The major theme of today's show is that you need to take appropriate action with appropriate speed. If you're stuck with little savings and no preparation, that means take massive action, now! If you've planned a bit better in advance, it means be strategic and thoughtful. We discuss: The impact of self-confidence on your job hunt. The importance of having work now and not being unemployed for a long time. How to take massive action on your job hunt for quicker results. What types of approaches are most successful for job hunters. Some radical strategies you can plan for that will enable you to simply wait out and enjoy the recession instead of being stressed by it! Enjoy! Joshua Many If Not Most Employers Hunt for Job-Hunters in the Exact Opposite Way from How Most Job-Hunters Hunt for Them http://www.jobhuntersbible.com/jobs/view/what-to-beware-of-in-searching-for-job-vacan-2

Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might result in your being laid off, even though you've done everything "right." So, you need a backup plan. Don't wait and wonder what you'll do. Make a simple plan now for what you'll do. Think about some different scenarios and play some mental games with yourself. That way, you'll be able to better respond to events instead of being shell-shocked by them. Today's show covers: The importance of planning to avoid emotional stress when you get laid off. The direct impact of losing your income and how to plan for it. The impact that losing your group benefits can have on your financial life. Why you should consider establishing lines of credit before you need them. How you can stockpile both money and the simple necessities of life. The simple things you can do that will make it much easier to get your next job. The importance of proactively building and maintaining a network. How thinking like a consultant will help you now and help you later. Enjoy! Joshua The Queen of Versailles Living On Our Food Storage: One Family's Experience Of Living Without Income For A Year

Originally released May 13, 2015. And just as important today. ------------------------------------------- For most of us, our jobs are the economic engine that drive every aspect of our financial plan. One of the worst things that can happen is to lose a job. If the engine on your car dies, you're going to be stuck by the side of the road for a while. That's not pleasant for anyone, even if you're stuck in a safe area. But, if you're driving up a mountain (paying off debt and digging yourself out of a hole), having your engine die can be disastrous. And, if you have a destination in mind (financial independence), losing the engine in your car will at least delay you from reaching your destination. So, the key is plan in advance to not lose the engine. Make sure you're doing the things you need to be doing now to avoid being laid off. Obviously, you can't guarantee that you'll never be laid off, but you can do a lot to improve your possibilities! On today's show, we cover: The need to proactively improve your position within your company, your company's position within the industry, and your industry's overall prospects in advance. Some ways to know if you've got a big target on your back or a small target on your back with the HR people are figuring out who to cut. The importance of competing with your fellow employees and of collaborating and cooperating with them and why both are valuable. Ways to stand out and produce up to 4x the output of your fellow employees. Enjoy the show! Joshua   Business Insider: 13 Things Everyone Does At Work That They Don't Want Bosses To Know About Federal Reserve: Average Annual Hours Worked by Persons Engaged for United States  

It's official: the Yield Curve on US Debt is inverted. That's a pretty good indicator that recession is in our future. So, today I want to tell you how to prepare for the coming recession. Enjoy! And do. Joshua

1:30 How does Joshua use YNAB on a daily basis? 17:30 How has the pursuit of privacy cost you? 30:30 Should I have kept my inherited property as separate property instead of community property? 43:00 How can I get started prepping?

I'd like to invite you to meet up with me on Tuesday, September 3 in Washington, DC, USA. If you'd like to connect, please email me and I'll give you all the details. Email me: joshua at radical personal finance dot com. Joshua

It seems like many of the prominent voices in the FIRE movement are single individuals or childless couples. But many of us have children or want to have children. Does that mean that we will fail in our attempts to become Financially Independent? Are you doomed to choose between FIRE or children? Today, I'll give you my answers. (Spoiler: you can FIRE and have children too!) Joshua

We live in interesting times. It seems that most of us could list off several things that our government does with our tax money that we find offensive. But how should Christians deal with the morality of having their tax money used to support immoral activity? Should Christians participate in tax strikes and tax protests? Joshua

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

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

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

I've talked a lot about education over the years...in this episode I'll tell you what we're doing with our children and talk about some philosophies that have been influential on me. And I'll tell you what I got wrong in the past. Joshua

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

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

Ask your average financial advisor how to invest for your children's future and he'll likely start pulling out brochures for a 529 plan. B-O-O-O-O-R-I-N-G!!! Is there anything wrong with a 529 plan? No. But is that really the most effective use of your money? Only if you don't have any better ideas. So let me give you some to ponder! Here are 12 Much More Interesting™️ Ways to Invest In Your Children! Joshua P.S. Go here and buy something so I can do this stuff for my children! https://radicalpersonalfinance.com/store

It's Friday! That means live Q&A. Enjoy! Joshua

Today we discuss Qualified Opportunity Zones, a legitimately new way for you to potentially save on capital gains taxes. Joshua Map of designated opportunity zones:https://esrimedia.maps.arcgis.com/apps/View/index.html?appid=77f3cad12b6c4bffb816332544f04542

There is an important piece of legislation that has passed the House of Representatives and is being considered in the Senate. It's technically known as H.R. 1994 "Setting Every Community Up for Retirement Enhancement Act of 2019." It has some changes that are potentially helpful to you; and some that may destroy the value of your qualified accounts. Joshua

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

In order to build wealth over your lifetime you need to #InvestWisely. But, how? How do you do it? What should you invest in? Today, we discuss that question with an active hedge fund manager named John Medford. He and his team manage a large fund with an impressive record. And, in this episode, we discuss why you probably shouldn't bother to try competing with him. Joshua

I think a pop up tent camper is an ideal compromise for family vacation travel. In this show, I tell you why. Joshua

1:30 What is the fiscal future of the USA in light of the Democratic candidates' debate this week? 19:12 How could I do financial coaching for the not-yet-wealthy? 35:20 What are the benefits of international living? 41:15 Should I be a dividend investor or index fund investor? And how can I simultaneously be a moral investor? 1:15:45 Should I quit my job because I can? 1:33:30 How could I invest differently than just real estate and mutual funds?

Friday Q&A today! 1:54 Should I sell my cryptocurrency to pay off my IRS debt? 10:30 How should I readjust my investments to plan for future economic uncertainty? 26:09 How should I think through my finances in the midst of possible divorce? 59:46 What do I need to do with my US-based investments while I move to Spain? 1:08:00 My wife and I are having a baby and are interested in birth tourism. How should we analyze the possibilities? Enjoy! Joshua Join me for next week's Q&A! http://patreon.com/radicalpersonalfinance

If you care about asset protection planning, there's hardly any reason for you to own an asset in your own name. So, you'll have to get used to titling asset in slightly different ways. Today, I teach you why and how. Joshua

When I ask people about their goals, about 80% of people tell me they want to travel when they retire. And yet, very few people actually follow through and travel! Why? Of course there could be many reasons. But if the cost of traveling is keeping you at home, I want to help you. In today's show, I'll share with you some ideas and strategies to travel the world on the cheap. Enjoy! Joshua Inspirational video of couple who traveled for 2 years and spent about $14,000. Total. https://youtu.be/8A1f_rYT4TI Airfare tool: https://kayak.com/explore Airfare tool: https://matrix.itasoftware.com/

In today's show, I'm going to teach you how an average guy can build a $165,000,000 estate by choosing not to retire. And I'll tell you a bunch of reasons why that would be great for you to plan for (even though you're simultaneously working towards financial independence in 10 years or less). Enjoy! Joshua

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

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

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

Here's the link: https://mobile.twitter.com/USATODAY/status/1125891810595954688 Read the conversation and form your own opinions. Joshua

Today, I tell you the story of the Accidental Millionaire and a few lessons for both of us. Enjoy! Joshua

It's Friday! Today we discuss: International healthcare options Avoiding wealth taxes Second passports for children And more! Joshua

Wages provide you with the financial fuel you need to build wealth. So it absolutely stinks when those wages are sucked up by your creditors in wage garnishments. So how can you protect your wages and keep them for yourself? That's what we discuss today! Joshua Listen to Episode 503: "How to Fight Nasty with Your Creditors and Win"

One of the most fundamental decisions you can make in life is to marry or not to marry. If you marry, your life, your budget, and your career will look dramatically different than a peer who remains unmarried. Marriage can be one of the biggest blessings to your life, resulting in greater happiness, better health, a higher income, and more wealth. Marriage can also be one of the greatest curses you can experience and it can devastate your emotional state, your physical health, your career, and your wealth. So, you need to choose wisely. In Part 1 of this series, I discussed various ways that you can prepare yourself to be attractive to an excellent wife. In today's show, I do my best to give you an honest assessment of the risks involved so you can choose whether you desire to marry or to remain unmarried. I hope it's thought-provoking. Joshua Part 1 of this series: How to Find an Excellent Wife: The Preparation

If you're a US citizen who earns $500,000 or more, who is not willing to renounce your US citizenship, and who is involved in business and investing, you should seriously consider moving to Puerto Rico. Joshua

On Fridays we do Q&A! Today: 1:20 How can I effectively move from New York to Florida in order to end my tax residency? 17:20 What should I do with the life insurance I'm offered at work? 23:00 How do you advise someone to develop an overarching investment philosophy? 48:05 Should I put money into a 529 plan for my not-yet-conceived children? If you'd like to join me next week, go here: www.patreon.com/radicalpersonalfinance Joshua

Today, I'll teach you how a 25-year-old $100,000-earner could increase their estate by $90,000,000 by simply moving outside of the United States. Enjoy! Joshua  

One of the most effective things you can do when trying to figure out how to build wealth is to find ways to save big money. Fast. And since Americans collectively spend more on taxes than housing, food, and clothing—combined—you should start by trying to save money on taxes. Today, I give you my case for why you should consider moving to a No-Income-Tax state. Enjoy! Joshua

Today, we continue our Asset Protection Planning series with a deep look at the Personal Property Exemptions. I've never heard asset protection planners give much attention to the Personal Property Exemptions. But that's understandable to me. When dealing with the mega-wealthy, it's hard to see how the Personal Property Exemptions make any difference in terms of financial planning. But, for a "mere mortal," I think there's a really good argument that the personal property exemptions can be really important. Tune in to the show to hear why! Joshua Check out my newest course! www.radicalpersonalfinance.com/store

As I recently finished my course on "How to Survive and Thrive During the Coming Economic Crisis," I was struck with how simple and feasible the individual solutions are, while how utterly impossible and difficult the collective solutions are. Choose success and happiness by focusing on the individual solutions you can put in place in your own life. Joshua p.s., If you haven't yet, go check out my newest course!

1:20 Should I change my whole life insurance policy because my income is going down? 18:40 Why do you think Walmart has done more good for poor people than any non-profit organization? 30:00 How should I adjust my asset allocation now that I'm retiring? 42:40 Should I pay off my mortgage on my retirement house? 49:15 Where should I keep my medium-term savings? 52:00 How can I include real estate in my Permanent Portfolio? 58:00 How can I invest in the people in my community? 1:05:00 Can I use a private foundation for my wealth planning?

Yesterday, I released to you a discussion on the Federal Debt in the United States. That show should be your introduction to this problem. But in thinking about it, I felt like it was incomplete. I wanted to present some useful materials, in audio format, for listeners who don't have a firm background in the fundamentals of the problem. So I decided to go in-depth to try to lay out the problem very clearly. This show is deep and difficult. It holds quite a bit of my reading to you--but also some interesting commentary. If you're trying to understand the underlying, structural problems more clearly, listen to the show. If you prefer reading, start with these two links: "The federal deficit ballooned at start of new fiscal year, up 77 percent from a year before" - Washington Post https://www.washingtonpost.com/business/economy/the-federal-deficit-ballooned-at-start-of-new-fiscal-year-up-77-percent-from-a-year-before/2019/03/05/ff8d31f6-3f75-11e9-9361-301ffb5bd5e6_story.html A Comprehensive Federal Budget Plan to Avert a Debt Crisis https://www.manhattan-institute.org/html/report-comprehensive-federal-budget-plan-avert-debt-crisis-11497.html

We face a massive problem in the United States right now. Put simply: We are borrowing more money than ever before. There's no plan for us to borrow less money in the future. There's [almost] no mathematically sound plan that can be created to have us borrow less money in the future. No major, national politician is loudly, consistently talking about how we can spend/borrow less money. Rather, there are loud, vigorous, and strengthening forces moving in the direction of borrowing even more money. The government has only three sources of funds: Taxation (bad for you if you earn money or have wealth) Borrowing (bad for you if you're a citizen, not an investor) Inflation (bad for you if you're a saver) There's enough evidence for honest, careful people to predict the strong probability of future crises. The problem is, we can't know when these crises will occur. But it's time to start preparing. Joshua "We've Never Had Deficits Like This During Peace and Prosperity Before" https://reason.com/blog/2018/10/17/budget-deficit-trillion-dollars-riedl New Course: "How to Survive and Thrive During the Coming Economic Collapse: A Rational, Modern Approach" https://www.radicalpersonalfinance.com/store

Today, we continue the Asset Protection series with an in-depth look at health and education accounts. Specifically, we cover: Health Savings Accounts / Medical Savings Accounts Flexible Spending Accounts Health Reimbursement Arrangements Qualified Tuition Programs (529 Plans) Coverdell Educational Savings Accounts UTMA / UGMA accounts

1:45 - Is it moral to support the current capitalist system of economics? 32:20 - How can I figure out how much umbrella liability insurance to purchase? 39:00 - Does having a higher umbrella liability insurance policy make you the target of a lawsuit? 46:05 - I want to buy a house but I'm in the middle of paying off debt (on Dave Ramsey's Baby Steps plan). Should I pay off the debt first?

1:00 - Should I roll my 401(k) over to my new job or into an IRA? 11:30 - How should I prepare for a meeting with an estate planning attorney? 17:55 - How should I decide to indulge myself with a luxury expense? 35:45 - Life insurance advice for a newlywed couple. 48:05 - How can I maximize the value of my business for sale?

The future will be one of the following: 1. Same as now or better 2. Similar to a recession 3. Similar to a depression 4. Similar to mad max 5. Void of humans due to asteroid hitting earth or similar calamity

2:00 - Life insurance advice for a recently married husband 6:15 - How can I make a back-door Roth contribution without being subject to the pro rata rule? 11:35 - How can I protect the money in my taxable brokerage accounts? 20:50 - How can I optimize my tax situation as an expat living in Bermuda? 47:20 - I live in China and am returning to the USA. What should I do with my money? 50:25 - How should I balance paying off debt with real estate investment? 1:03:05 - How can I invest for my 15-month old daughter?

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

1:20 - How Can I Invest in Distressed Mortgage Notes Inside my Roth IRA? 8:05 - Should I Pursue a Chartered Financial Analyst Credential for My Own Investment Knowledge? 17:00 - Should I Contribute More Money to a Roth 401(k) than a Traditional 401(k)? 38:15 - How can I Balance Personal Privacy and Functionality in Building My Business? For reference to any time-dated commentary, this show was recorded on 12/21/2018.

This is a recording of an interview I gave for "In The Rabbit Hole." ITRH: E272: The Truth About Money and Preparedness Originally published: November 12, 2018 https://www.intherabbithole.com/e272/

1:25 - I just got married. What financial planning should I do now? 39:35 - My employer offers a 401(k) with no match. Should I participate? 55:35 - How can I save for my child's college education with a 529 plan or with a Roth IRA? For reference to any time-dated commentary, this show was recorded on 12/20/2018.

In Episode 616, I argued the point that if missing one paycheck is a problem for you, you're behaving stupidly. My guest on today's show took umbrage with my commentary on Twitter. So invited her on to discuss! Enjoy, Joshua Here's @CheapBohemian's Twitter thread: https://twitter.com/cheapbohemian/status/1084581032375001089

Chris Moody and I have both spent the last 6 months traveling the width and breadth of the United States with an eye toward understanding the current moment. In this podcast, we discuss our findings. Life Opted Out www.instagram.com/lifeoptedout 

1:45 - How can I give nice gift to people who are poorer than I am without creating a power imbalance? 15:20 - Can I contribute my salary into a 401(k) plan for my wife in order to maximize our retirement account contributions? 28:05 - How can I protect my non-qualified investment accounts that are exposed to the claims of creditors? 44:30 - I don't "need" term life insurance because I'm financially independent. Should I still buy some? 51:00 - I'm following Dave Ramsey's baby steps and am almost out of debt; should I store up my emergency fund in a Roth IRA? 56:00 - I want to buy an investment that will pay for my new car instead of just burning all my cash on the car. How do I do that? (For the context of any time-relevant comments relating to current events, this Q&A was recorded on 12/19/2018.)

Stop behaving stupidly with your money. NPR story: https://www.npr.org/2019/01/09/683519210/air-travelers-and-workers-may-feel-government-shutdown-effects SNL: Don't buy stuff you can't afford: https://youtu.be/Qb8hTzUoI54

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  

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

2:00 - Should we pay off our mortgage or invest? 9:50 - Should I put more money into one of my child's 529 plans in order to help them on their financial aid calculations? 18:30 - Should a retiree in her 60s pay 1.7% as a financial planning fee? 47:20 - How should we unravel the tax situation for a house that I live in but don't own? 1:13:00 - What college financial planning organization should I choose?

1:30-Should I dollar cost average into my Roth IRA or wait for a market downturn? 6:00-How can I get money to my child so they can make a Roth IRA contribution? 21:30-Can I do good asset protection by transferring all my money into a secret Bitcoin wallet that's kept completely offline? 34:00-Can I become a financial planner without pursuing it full-time?

2:45 - If you move from one state to another, do you have to start all over with your asset protection plan? 15:30 - How frequently does a state change its laws that relate to asset protection planning? 21:30 - What is the interplay between Federal regulations and State regulations? 23:35 - Is a 403(b) protected the same as a 401(k)? 25:30 - How have Joshua’s views on education changed in the last four years? 36:30 - What specific inspirational resources would Joshua recommend on the topic of education? 43:20 - How do you set financial priorities when you’re expecting a baby? 51:15 - How do you plan when you have a highly fluctuating income? 1:00:15 - How do you balance having a stockpile of cash while looking at big personal lifestyle expenses? 1:04:35 - Is Patreon a good option to monetize your website? 1:24:00 - Should our company add a Health Savings Account or Christian Healthcare Sharing Ministry option to our health plan?

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

It's Friday! That means live Q&A: Healthcare Sharing Ministries and Their Maximum Limits Health Savings Accounts and HCSMs What To Do With An Inheritance When You're in Debt Enjoy! Joshua  

In this episode of the podcast we tackle these two questions: Is it legal to engage in asset protection planning? Is it moral to engage in asset protection planning? Short answer? Yes and yes. If that's enough for you, just skip listening to this episode. But if you'd like a bit more texture to the discussion, enjoy the podcast for a discussion of the legality and morality of asset protection planning. Joshua

I love the topic of asset protection planning. It's super interesting to me. But my observation is, like most topics, people involved in the business talk about what they can sell. The lawyers talk about corporations and trusts because they sell them. The insurance agents talk about life insurance and annuities because they sell them. Since I don't sell that stuff, I think about you and what I think can help you. And in today's show, I want to give you a simple starting place: think about your assets and think about the risk you're trying to protect them from. Then make your plans. Details in the show. Joshua Learn how to borrow money that's unsecured by any collateral. (This is good for you if you ever default.) Sign up for my course: www.radicalpersonalfinance.com/creditcardcourse  

Here's the complete answer that you need to know if you should pay off debt or invest. Sign up for my Credit Card Course: How to Borrow Money Safely and Never Pay Interest Using Credit Cards www.radicalpersonalfinance.com/creditcardcourse

As many U.S. Americans engage in vigorous political debate today and follow with their vote, I want to share a story with you that I hope will help you to appreciate the richness of political peace. Not everyone in the world has it as good as you and I have it. But, as we vigorously debate political issues, it's easy to miss the blessing of the underlying framework of peace and prosperity that we enjoy. Enjoy this personal story. Joshua

Audio is pulled from: https://youtu.be/uj8f7ycnUtU

Audio taken from: https://youtu.be/uj8f7ycnUtU  

John Taylor Gatto has died. My voice has also died. So rather than leaving you bereft of new shows, I decided to share a few Gatto files to encourage you to invest your education dollars well. https://www.educationrevolution.org/blog/i-quit-i-think/ https://fee.org/articles/john-taylor-gatto-1935-1918-remembering-americas-most-courageous-teacher/ http://www.stopthecrime.net/docs/John%20Taylor%20Gatto.pdf

On this episode we welcome Matt Miner back to the show. Matt previously came on the show to discuss whether going back to graduate school is a good financial move. Since that interview, Matt left his corporate job and became a financial advisor! In this interview we explore two themes: How good financial planning and preparation enables a move to a better career fit. This is an important component of a progressive plan towards financial freedom. How a personal finance aficionado can make a move towards working as a financial advisor without sacrificing their integrity. Enjoy! Joshua Matt's first interview on RPF: https://radicalpersonalfinance.com/grad-school-to-increase-income/ Matt's PF blog: https://www.designindependence.com/  Matt's financial advisor site: https://www.plcwealth.com/

Original article: https://www.charliedaniels.com/soap-box?b_id=4382&pg=1

I missed several of my students' questions on the previous credit card Q&A show. So today, I wrap them up. Enjoy! Joshua Buy the course here: www.radicalpersonalfinance.com/creditcardcourse

It's Friday! That means it's Q&A time. Today we cover: If I have no credit (because I haven't borrowed money in >25 years) should I work on building my credit score? What has traveling like for Joshua and what are his plans for Radical Personal Finance. Joshua If you'd like to be on next week's Q&A call, sign up here: www.radicalpersonalfinance.com/patron

The Lifestyles of the Rich and Famous might make good TV  but it's the Lifestyles of the Frugal and Obscure that makes for wealthy people who keep their money. Joshua If you're interested in learning how to borrow money safely and never paying interest with credit cards, go buy my new course! www.radicalpersonalfinance.com/creditcardcourse

What do you think would happen to a mother of 12 who was widowed at a fairly young age and whose husband didn't have any life insurance? Could she survive? If so, how? Today, I want to share with you the story of a friend of mine who went through that precise circumstance. I hope you enjoy it! Joshua

Today we tackle: How do I get new credit cards when I've already maxed out my limits? Should I refinance my mortgage over onto my credit cards so I can drop Private Mortgage Insurance? How should I handle a credit freeze on my accounts? Remember, go buy the credit card course this weekend. It's at www.radicalpersonalfinance.com/creditcardcourse and you can save $10 with promo code CREDITCARDTEN. Joshua

There are people who should never, ever, have a credit card. And of course they shouldn't buy my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." But, everyone else should buy it. Go here: www.radicalpersonalfinance.com/creditcardcourse Save $10 with promo code: CREDITCARDTEN Joshua

Credit Cards can be really useful. But contrary to popular opinion, they're not the most useful when you're broke. They're more useful when you have a little cash. Enjoy this excerpt from my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." And then go buy it here: www.radicalpersonalfinance.com/creditcardcourse Use "CREDITCARDTEN" to save $10. Until Monday only. Joshua

One of the most under-appreciated aspects of credit cards is the significant privacy they can afford you. Listen to the show for details. Remember, please sign up for my new credit card course: www.radicalpersonalfinance.com/creditcardcourse Use coupon code "CREDITCARDTEN" to save $10 off the price. (Good until 10/15/18.) Thank you! Joshua

One of the most useful aspects of credit cards is how safe the debt is when compared to other forms of debt. Enjoy this excerpt from my brand new course called "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." The course is now available for you to buy. Go here: www.radicalpersonalfinance.com/creditcardcourse Use the coupon code "CREDITCARDTEN" to save $10 off the price. (Valid until 10/15/18.) Thank you! Joshua  

Today, we do a special (and really good) live Q&A exclusively on the topic of credit cards. We cover: Should I Close My Old Credit Cards Before Applying for a Mortgage? How Should I Refinance my Business Credit Card? How Can I Use My Credit Cards Privately? How Do I Pay Off My Credit Card Debt as a Newlywed?

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

Today we have a mega, 2-hour Q&A show. We cover a bunch of really interesting questions: How Do We Follow the Guidelines from The Richest Man in Babylon? I've Reached F.I. Now How Can I Help Children Do the Same? Should I Invest My Cash All At Once or Over Time? How Do I Prepare My Finances for Marriage? We're Out of Debt and Have Money In the Bank. What Now? I'm F.I. and Sold My House. What Should I Do With the Cash? How Can I Help Young Men? I'm Now an Empty Nester. Should I Buy a House for Security? I'm In Graduate School. Should I Get Life Insurance? What Should I Do With an Old Life Insurance Policy?

Friday Q&A: Getting Health Insurance after Divorce Opportunities When Moving Cross-Country Should I Keep My House in New Orleans as a Rental House How Can My Father Buy a House for My Benefit

Audio was from: https://www.intherabbithole.com/e257/

The app is called "Soulver." https://www.acqualia.com/soulver/

Articles referenced: https://www.wweek.com/portland/article-1616-rubbish.html-2 https://www.aclu.org/blog/privacy-technology/surveillance-technologies/some-towns-are-videotaping-residents-garbage?redirect=blog/free-future/some-towns-are-videotaping-residents-garbage-streams

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

In today's show, I share how and why I scanned my entire library in preparation for my current travels. Enjoy! Joshua

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

Not much has changed in 35 years...we still have to do the same calculation. Joshua

We've been living full-time in our 30-foot travel trailer for an entire month now. In today's show, I share with you what's been working, what's good, and what's not. Joshua Sponsor: Warby Parker. Go to http://warbyparker.com/rpf to order your free Home Try-On glasses today.

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

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

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

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

In Part 1 of this interview (Episode 566), you met Scott & Susan, a couple who accidentally retired in their 30s and has spent the last two decades traveling the world in a sailboat and the US in a motorhome. In today's episode, we discuss Scott's small business, Techie 4 Hire. If you have any interest in developing a location-independent business, pay attention to Scott's story of his own business. Also pay attention to some of the other types of businesses mentioned in this interview. Finally, we discuss a bit of the technology of mobile internet connectivity. For many of us, our ability to reliably connect to the internet from the road can open up a location-independent lifestyle. Enjoy! Joshua To contact Scott, email techie 4 hire at live dot com. Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

On today's show, I bring you an interview with Scott and Susan. I think of them as "accidental early retirees." About two decades ago they bought a sailboat, intending to travel for a year. They wound up spending a decade sailing the world together. And then for the last decade, they've traveled all around the USA, living full-time in their RV. In Part 1 of this interview we discuss their story--the plan, the money, and the lifestyle. In Part 2 of this interview we will discuss Scott's small business and the technology that they use that keeps them on the road full-time. Enjoy! Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

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  

It's Friday! On today's Q&A show we cover: Rental House vs. Personal House What Type of Retirement Plan for a Small Business Stocks vs. Real Estate How to Get Money That's Owed to You Join me next week for the Q&A! Go here: www.radicalpersonalfinance.com/patron Joshua

There are many, many successful, educated, high-earning people who are making unusual life decisions. My guests on today's show are following that pattern in their own life and they're also investigating many, many others who are pursuing unusual courses of action. Today we speak with Chris and Cristi Moody, successful professionals who moved out of their penthouse Manhattan apartment and into a 72-square-foot cargo van. Enjoy! Joshua http://lifeoptedout.com http://instagram.com/lifeoptedout email: optoutmedia at gmail dot com

Part 5 of our 5-part series on radical housing ideas. Joshua

Part 4 of our 5-part series on radical housing ideas. Joshua

Part 3 of our 5-part series on radical housing ideas. Joshua

Part 2 of our 5-part series on radical housing. Joshua

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

It's Friday! That means live Q&A! Today we cover: A Financial Independence Checkup Investing in Private Businesses How to Do Productive Work While Traveling If you'd like to join us on next week's Q&A, join here: www.radicalpersonalfinance.com/patron Joshua

Today is July 4, Independence Day, in the United States. Let's celebrate by actually behaving independently and rejecting the practice of lying. Enjoy this essay by Alexander Solzhenitsyn, entitled "Live Not By Lies." Joshua Written version: http://www.orthodoxytoday.org/articles/SolhenitsynLies.php

You already have an unalienable right to liberty. Now act like it and stop selling yourself back into slavery. Please! Joshua

It's Friday! And Q&A is back! (From the road, no less.) Today, we discuss: Careers in Financial Advice Should I Convert My IRA to a Roth What Should I Save Money For? Enjoy! Joshua Join us on next week's call! www.radicalpersonalfinance.com/patron

I'm very happy to be podcasting to you today from the road! We have officially hit the road and are on our trip. The last two weeks have been a tiring blur. Our tow vehicle was stolen 5 days before we were scheduled to leave on our full-time RV trip! In today's show, I share a bit of the story with you as well as my own philosophy on how to negotiate the Good/Cheap/Fast triangle. Enjoy! Joshua

My life has been quite unique and frothy in the last week or so. Here are some tools I use to maintain financial peace in the midst of the turmoil. Joshua

I encourage you to carefully consider the ROI you're getting on the money and time you and your children are investing into their education. Is it paying off? Are you getting a good deal? Joshua p.s., I recorded this in April. It's an episode that I spiked and chose not to release (this isn't uncommon). But I changed my mind and decided to let you decide if you're interested or not. :)

You probably have an adventure goal locked up inside of you. Most people do. And you probably have put it off because you see no way to accomplish it. Today, let me give you some ideas about how you can accomplish it faster than you ever thought possible. Joshua Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron

It's Friday! That means Q&A. Today, we cover: Am I Financially Independent? Should I Switch Life Insurance Agents? Should I Sell Investments and Trigger a Taxable Gain? Joshua To join next week's call, please sign up on Patreon: www.radicalpersonalfinance.com/patron

Calculate your daily cost of living. Then analyze it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

In life, you'll always find that it's cheaper to feed the meter than to pay the ticket. Be proactive. Joshua Please support RPF on Patreon. http://radicalpersonalfinance.com/patron

Dr. Gary North has dedicated 10 hours per week for the last 40+ years to the task of investigating what the Bible has to say about economics. In the process, he has written a verse-by-verse commentary of the entirety of the Old Testament and the New Testament (totaling 8,550 pages). He is now in the process of publishing his capstone works titled: Christian Economics. He has published the Student's Edition and Teacher's Edition (free at link below) and is working on the Scholar's Edition and Activist's Edition. Enjoy the interview, Joshua Christian Economics: Student's Edition https://www.garynorth.com/public/department188.cfm Christian Economics: Teacher's Edition https://www.garynorth.com/public/department193.cfm Dr. North's Bible Commentaries: https://www.garynorth.com/public/department158.cfm Dr. North's articles on Christian Economics: https://www.garynorth.com/public/department180.cfm

I have a listener who wrote to me and asked me how they can increase their income when it's been decimated by a cancer diagnosis. I do my best to help. Joshua Please sign up for the #IncreaseIncome course today! Price goes up $100 tomorrow. http://www.radicalpersonalfinance.com/increaseincome

Today we do live Q&A on career-related questions. Listen to the show and, if you think I give decent advice, sign up for my new Career & Income course here: http://www.radicalpersonalfinance.com/increaseincome Buy now if you want the best deal! (Price goes up by $100 on Wednesday, May 16!) Topics include: How to Increase Profit from a Consulting Business How to Build an Advice Business How to Maximize Revenue from a Construction Company How to Transition Careers Joshua http://www.radicalpersonalfinance.com/increaseincome

Today, a few quick announcements and a discussion of how I went from confident and focused to frazzled and weak in about 3 hours...because I logged on to Facebook. Announcements: If you're a Patron and are missing your coupon code to sign up for the #IncreaseIncome course, email me. I'm hosting a live Q&A call for you (as long as you have a question related to your career and income) on Monday, May 14 at 3pm Eastern. Call in number is 561-440-7362. Email me if you have questions about the course! Or, email me and let me know what you'd like to talk with me about if you were to have lunch with me. Please sign up for my new course! www.radicalpersonalfinance.com/increaseincome Two good articles on Facebook: http://www.salimvirani.com/facebook/ https://stallman.org/facebook.html

On today's show, I talk to you about your income goals. Specifically, I lay out some sample budgets given various incomes and discuss with you the specific amount of income I believe you should target. Enjoy! Joshua Please sign up for my course! Price goes up this Tuesday, May 15, so sign up now for the best deal! www.radicalpersonalfinance.com/increaseincome

Many people think that saving more money is going to mean they have to live like a pauper. But it doesn't have to be like that. There is another way...a way to save more money and live a fancier lifestyle at the same time! Joshua Please buy my #IncreaseIncome Course! Price goes up on May 15, so buy now for the best deal. (30-day money-back guarantee) www.radicalpersonalfinance.com/increaseincome

I'm back! More soon, Joshua

I recently worked with a consulting client who had this problem: because of a previous (serious) cancer diagnosis, he is unable to qualify for life insurance. How can he protect his family in case he dies soon? I thought it a really interesting challenge. And since I've thought a lot about this particular problem, I thought I'd go ahead and share my thoughts with you. Enjoy! Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron  Episode 204: High Risk Life Insurance Underwriting Art Robinson's story

Today on Radical Personal Finance, we celebrate Tax Day in the United States (April 17, 2018). As we all reflect on the actions of the government we US Americans have just supported with our tax money, I thought it would be a good day to read to you a very helpful essay called, The Law. The Law was written in 1850 by Frédéric Bastiat, a French economist. If you haven't previously read this essay, be fo rewarned that the first third is fast-moving and the last third is fast-moving, but the middle drags a little.Hear it through, though. You'll be glad you did. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron Written version of The Law: http://bastiat.org/en/the_law.html

On Episode 466 of Radical Personal Finance, I discussed the idea of the US Government's certain default on its stated obligations and commitments by referencing Professor Lawrence Kotlikoff's Congressional testimony on this subject. After that show, my friend David Stein (host of Money for the Rest of Us) emailed me to tell me that I was wrong. :) So, I invited him on the show to debate it with me. Enjoy! Joshua Here's the previous show on Kotlikoff's work: https://radicalpersonalfinance.com/the-usas-long-term-fiscal-gap-and-why-it-matters-to-you-americas-fiscal-insolvency-and-its-generational-consequences-by-professor-laurence-kotlikoff/ Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

It's Friday! Today we discuss: Should I use an HSA account to pay for my medical expenses? What tools can I use to figure out a new career after unexpectedly coming back from foreign missions? Should I participate in my companies Non-Qualified Deferred Compensation program? Enjoy the show! Joshua This is the David Watson book I referenced.

In honor of the 50th anniversary of Dr. Martin Luther King's death on April 4, 1968, I thought you might enjoy hearing some of the audio from his last public sermon. This talk is entitled "The Drum Major Instinct." This sermon was preached in the pulpit of Ebenezer Baptist Church, about two months before King's death. The sermon was an adaptation of the 1952 homily ‘‘Drum-Major Instincts’’ by J. Wallace Hamilton, a well-known, liberal, white Methodist preacher. NOTE: I have clipped off King's introduction and started the audio of this recording at the point where he begins speaking about personal finances. To hear the full audio or to read a transcript of the entire speech, use this link: http://kingencyclopedia.stanford.edu/encyclopedia/multimediaentry/doc_the_drum_major_instinct/index.html Enjoy, Joshua p.s., there are a few clipped pieces of audio...these are a fault of the original recording. You can read the missing text in the transcript.

Today, a prelude to a discussion of how to lease a car. In this show we discuss a rational analysis of new car vs. used cars. Enjoy, Joshua Please support RPF on Patreon! www.radicalpersonalfinance.com.patron

It's Friday and it's time for a live Q&A show! If you'd like to call in next week, please sign up here: www.radicalpersonalfinance.com/patron Today, we discuss: Transitioning from PC to Mac Enhancing a Personal Website By Helping Others Financial Advice for an 18-Year-Old Rockstar Major Financial Influences on Joshua Enjoy! Joshua p.s., remember...I'd love to talk to you next week! www.radicalpersonalfinance.com/joshua

On today's show we go back 250 years to see what lessons for wealth we can learn from Benjamin Franklin. This show is an audio recording of Franklin's essay, "The Way to Wealth." Enjoy! Joshua Here's a text version of Franklin's essay: https://liberalarts.utexas.edu/coretexts/_files/resources/texts/1758%20Franklin%20Wealth.pdf Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

It's Friday! Today I'm interacting with your comments on recent episodes of the show. We discuss: Correcting an error on real estate basis Radical financial plans vs traditional plans What happened to SudoPay And more! Joshua Book a consulting call with me. (It's on sale!) www.radicalpersonalfinance.com/phonecall

This show rounds out some friendly advice to help any interested listener who wants to put together a well-equipped home armory to do so in a thoughtful and financially prudent way. Today, we tackle the AR15 rifle. The AR15 is a wonderful rifle. It's not the best at any one thing, but it is truly good at many things. I'd love for you to have one if you don't already. So I thought you might appreciate some advice on how to get a good deal on one. Enjoy! Joshua p.s., In the show I referenced a statistic of police officers in a northeastern state not turning in their rifles after a ban. That particular story I referenced was actually a satire site that I stumbled over without realizing it. I got duped. I have no doubt that the thrust of the story is accurate, but the specifics I cited were flat wrong and untrustworthy. Sorry. p.p.s., My guest in today's show referenced the AR15 as stemming from a military firearm first. The AR15 was developed for the civilian marketplace first, then the military bought the plans for it and started producing it for their soldiers.

It's Friday! Today we cover: AirBnB Business Deductions Deductibility of Losses on a Personal Rental How to Get Great Podcast Guests If you'd like to join next week's Q&A call, do so here: www.radicalpersonalfinance.com/patron Joshua

Today, some ideas on how to save money by spending a little more than strictly necessary to insulate yourself from unnecessary temptation. Joshua Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

It's Friday! That means Q&A! Today, we cover: How to establish a will and trust when you plan to be living internationally for an extended period of time. How to plan ahead to pay for kids' college when you anticipate that the college may lose its accreditation. How to properly title your life insurance policies in order to protect a vulnerable spouse.

Guns are great investments. Well, perhaps I should say that it's possible for guns to be great investments...and at the worst, they are a decent store of value. If you've never owned a firearm, I'd like to share with you a thoughtful, reasonable path into gun ownership that will help you to make good decisions and get the most bang for your buck. In today's show I lay out for you a sensible approach to gun acquisition that will help you to construct a useful home armory that will allow you to have the tools of defense and offense that will cover most situations you could conceivably ever face without making bad financial decisions. Enjoy! Joshua Please support RPF on Patreon! www.RadicalPersonalFinance.com/patron You shouldn't fear a school shooter...they don't happen very much. You should be concerned about being murdered by government agents. 262,000,000 were in the 20th Century. Look into the data here: http://hawaii.edu/powerkills/welcome.html

Friday Q&A today! We cover: How can I protect myself from the risk of disability without getting disability insurance? How can I make sure that future, unknown risks are adequately covered today? What financing option should I use to buy a piece of land? Will my credit score be messed up by shopping for a mortgage? How can I adjust content for different audiences? I'd love to have you call in next week! Details here: www.RadicalPersonalFinance.com/patron Joshua

This is the audio recording of an essay published in the Fall of 1993 in The Public Interest magazine. The essay is titled: "A Nation of Cowards" by Jeffrey Snyder. You can access a text version of this essay here: http://rkba.org/comment/cowards.html I'm publishing this essay for you as a thought-provoking defense of the morality of your being well-armed. In today's political climate where critics are drawing a moral equivalence between mass murderers and an average armed citizen, I think this moral defense is warranted. The facts and names of the essay are dated. The arguments are not. As you consider this essay with 25 years of hindsight, do some research into how well the arguments have weathered the test of time. Joshua

The tagline of RPF is "...living a rich life now..." But it's hard to LIVE a rich life if you're dead. So I'd like to help you--and others--have a higher potential of staying alive. I have looked and looked for practical responses to the recent school shooting and have found very few. This is my best effort to help you with some practical solutions to the problem. I did my best in today's show to keep it free of politics and free of guns. (To be fair, I think it's best to say it's politics-lite and gun-lite.) Give it a listen. Even if you are frustrated by the current gun debate, I think you'll find some useful, practical ideas to help you defend your own life and the lives of others--even in a non-permissive environment. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

As a--ahem--more practical follow-up to yesterday, here is my advice for a listener on how to buy a used car. Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

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

“The philosopher Diogenes was eating bread and lentils for supper. He was seen by the philosopher Aristippus, who lived comfortably by flattering the king. Said Aristippus, ‘If you would learn to be subservient to the king, you would not have to live on lentils.’ Said Diogenes, ‘Learn to live on lentils, and you will not have to be subservient to the king.’ ” – from “The Song of the Bird” by Anthony de Mello Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

Today we answer this question: "I have accumulated $6,000 in credit card debt from a period of unemployment; should I use some of the $10,000 I have in my 401(k) to pay it off?" Enjoy, Joshua Please support the show: www.RadicalPersonalFinance.com/patron

If you want happy-go-lucky, unicorns-and-balloons-in-the-sky Joshua, skip today's show. If you want angry Joshua to opine on his disgust with the US American politicians' lack of fiscal restraint and the long-term catastrophe that is the US American budget, then you'll enjoy today's show. Enjoy. Joshua David Stockman: The Night of Fiscal Infamy http://davidstockmanscontracorner.com/the-night-of-fiscal-infamy/ Mirror, Mirror on the Wall, Obama Definitely Was Not the Biggest Spender of All https://danieljmitchell.wordpress.com/2017/10/16/mirror-mirror-on-the-wall-obama-definitely-was-not-the-biggest-spender-of-all/

Love isn't primarily a feeling. Love is an action. Love does. You can show love with money in many ways, but a massively powerful way is by giving. Here are some ideas and thoughts to encourage you to build more love in your life by giving more. Joshua

I thought you might be interested in some behind-the-scenes discussion of how we recently bought our rig for an intended full-timing RV trip around the USA this summer. We did some things well and made some big mistakes. I hope you learn from both! Joshua

Mrs. RPF and I are excited to announce some of our plans for a nation-wide tour during 2018. Details in the show! Joshua

In today's show I'm going to teach you one simple technique that will help you get more stuff for free. Try it and see! Joshua Please support Radical Personal Finance on Patreon! www.RadicalPersonalFinance.com/patron

Feeding yourself (and especially children!) on the road can utterly destroy your budget. Here are some tips and tricks I've learned that will be helpful to you. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron https://cheftessbakeresse.blogspot.com/

This is an essay that has been deeply influential on my life. I hope you find it insightful and thought-provoking. "Isaiah's Job" by Albert Jay Nock was first published in The Atlantic Monthly in 1936. The written text of the document may be found here: http://traffic.libsyn.com/radicalpersonalfinance/Isaiahs_Job_by_Albert_Jay_Nock.pdf Joshua  

Money is important. But it's not #1. Joshua On the Importance of Putting First Things First by JD Roth Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Social Peer Pressure is significant. And it affects most of us with regard to our spending. Here are three strategies I think through when considering how to combat it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

It's Friday! That means we do live Q&A. Today: Should I Front-Load my 401(k) Contributions? Should I Fire My Financial Advisor For Lack of Value? Enjoy! Joshua If you'd like to join for a future Q&A show, please sign up here: www.radicalpersonalfinance.com/patron

Your financial tracking system is there to serve you. Make sure it's serving you effectively. Here's how! Joshua p.s., I use YNAB. Sign up for a free trial here: www.radicalpersonalfinance.com/YNAB Also please support RPF on Patreon: www.radicalpersonalfinance.com/patron

One of the simplest and most effective tools you can employ to help you save money on the things you buy is a price book. In today's show, I share with you what a price book is, how to use it, and some tips and tricks to turbocharge your results. Enjoy, Joshua Please support RPF on Patreon! www.RadicalPersonalFinance.com/patron

It's Friday! That means Q&A time. Today we cover: Should I Use my 401(k) Money to Invest in Real Estate with a Self-Directed IRA What Questions Could a Client Ask their Financial Advisor for a More Productive Relationship Do I Risk the Wrath of the IRS by Moving From Sole Proprietor to S-Corp When Is the Right Time to Hire a Tax Accountant Instead of Doing it Myself? If you'd like to join for a future Q&A show, sign up here: www.RadicalPersonalFinance.com/patron Joshua

Today: Which expenses matter the most? The value of variable expenses instead of fixed expenses. The importance of developing skill and resilience. Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron

You need to know. Joshua www.RadicalPersonalFinance.com/YNAB www.RadicalPersonalFinance.com.patron

Today we cover the three basic methods to save money: Buy it cheaper Make it last longer Use it less Any one of these strategies is useful. But the real power comes when you implement all three of them. Listen to the show to understand why! Joshua The examples in today's show come from the peerless frugality book "The Complete Tightwad Gazette: Promoting Thrift as a Viable Alternative Lifestyle" by Amy Dacyczyn. Start tracking your money with YNAB: www.RadicalPersonalFinance.com/YNAB

It's Friday! And it's time for Q&A. Today we cover: Should I Move From My Apartment and Buy a House in the Suburbs How do I Set Up a Solo 401(k) So I Can do a Mega Backdoor Roth IRA Should I Work as a 1099 Contractor or a W2 Employee If you'd like to join for a future Q&A show, sign up here: www.RadicalPersonalFinance.com/Patron Joshua

Here's today's end-of-year wrapup for 2017! Joshua's thoughts on tax reform... ...and bitcoin... ...and your financial tracking systems for 2018... ...and a good year-end cleanse... oh, and Merry Christmas! Talk to you next year, Joshua

(My interview starts at 7:30 into the show.) I recently gave an interview to the Complete Privacy and Security Podcast on the topic of financial privacy. I think it was a really good interview. This interview was originally published on December 8, 2017 here: https://operational-security.com/cps-podcast-e058-financial-privacy-security/ -- SHOW NOTES INTRO Motherboard Guide to Not Getting Hacked MAIN TOPIC Joshua Sheats of Radical Personal Finance joins us to discuss: – Why being financially stable (and ideally independent) is an important component of personal privacy – Joshua’s Stages of Financial Independence, and what each of them means: Stage 0: Financial Dependence Stage 1: Financial Solvency Stage 2: Financial Stability Stage 3: Debt Freedom Stage 4: Financial Security Stage 5: Financial Independence Stage 6: Financial Freedom Stage 7: Financial Abundance – How to pick make an accountant or financial planner who respects your financial privacy & security – Episode 459 of Radical Personal Finance: Don’t Trust Your Financial Advisor! – How trusts and LLCs can impact your finances and privacy – How much cash you should have on hand and where you should store your emergency fund – Episode 481 of Radical Personal Finance: Where Should I Keep My Emergency Fund? – Which precious metals you can sell in any amount without reporting the sale to the IRS – Joshua’s thoughts on investing in precious metals, Bitcoin, and other alternative assets – What you need to do right now to begin achieving financial independence Be sure to check out Radical Personal Finance – it’s one of my favorite podcasts! OFFENSE/DEFENSE No Offense/Defense this week. LISTENER QUESTIONS 1. How secure and/or private is Paypal.com? Do you recommend using Paypal? 2. If my bank doesn’t offer two factor authentication, what else can I do to protect my account?

Today, I'd like to interrupt the personal finance content with a show on podcasting. After recording over 500 episodes of Radical Personal Finance, I feel like I have some valuable lessons to share with other podcasters and with my listeners who are considering starting a podcast. Enjoy, Joshua Visit www.HelloFresh.com and use "RPF30" to save $30 off your meal delivery.

If you enjoy learning how common financial instruments can be used to achieve incredible results, you'll enjoy this show. Joshua

Today I have a replay for you of Episode 121. This episode was originally released December 17, 2014 and the information should be as relevant today as it was then. Notes are here: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/

I really hate it when I see people bullied. And I especially hate to see debtors bullied by unethical debt collectors. In today's show I share with you some tools, tactics, and techniques and knowledge to help you stand up for yourself in the face of an onslaught of bill collectors. I hope these help you. And, if you don't need this type of help, I hope these ideas help you to help someone else who does. Joshua Try Hello Fresh! www.HelloFresh.com and use coupon code "RPF30" to save $30 on your first week of deliveries! Text of the Fair Debt Collection Practices Act Recommended book: "Solve Your Money Troubles: Strategies to Get Out of Debt and Stay that Way" from NOLO press Consumer Credit Counseling Services https://www.credit.org/cccs/

Today's episode is an interview I gave for the "In The Rabbit Hole" urban survival podcast. This episode was first released October 30, 2017 here: https://www.intherabbithole.com/e232/ Joshua

Today we continue our discussion of how you can achieve financial freedom in 10 years or less with an analysis of a business I thought my way through recently: that of working as a mobile RV repairman/mechanic. I think this business (or skilled trades with similar career profiles) has a huge amount to offer the aspiring financial freedom fighter. Listen to today's show for analysis on the specifics of this opportunity and the parallels you can draw to other careers to help you become financially independent in 10 years or less. Joshua Part 1 of this series was: 476 – Pathways to Financial Freedom (in 10 years or less): Expediter Trucking (and other live-on-the-job opportunities)

I've had today's show in my head for the last few weeks as I've watched Hollywood--and the world--rocked day by day with allegation after allegation of sexual abuse by major, major stars. I've watched careers destroyed, movie premiers canceled, and marriages torn asunder. I've thought again and again about the financial destruction being wrought by these allegations against so many men. Not only the loss of careers, the mega-million-dollar settlements, but the financial destruction of forthcoming divorces and the emotional distress leading to lost productivity. To me, it seemed like an important topic to discuss with regard to finances. But I held back, because I felt as though I would be picking on ideological opponents when they're down and I don't want to be one who rejoices in another's time of distress. Until yesterday. When the allegations came out via the Washington Post against Judge Roy Moore in Alabama, I felt I couldn't stay silent any longer. And so, today, here are my thoughts on how men can protect themselves from sexual scandal. Joshua

I'm working on some back-office work this week and hustling to finish delivering the Radical Personal Finance Guide to Career and Income Planning before the Thanksgiving holiday, so today you get an "Out & About" interview! This episode was released as Episode 37 of the Masters of Money Podcast on August 30, 2017. https://ptmoney.com/masters-money/

Today's show is very special. Together, we celebrate 500 episodes together! The show is centered on your voices and your feedback. This is a very meaningful milestone for me. When I began RPF, I committed myself to recording 1,000 episodes, even if no one listened. 4 years later, I'm half finished with that commitment! And I'm so honored that thousands of you do listen. Your feedback in this episode is so encouraging to me. Thank you, Joshua The Politicization of Motherhood - Wall Street Journal (if that link doesn't work, use this one)

Lots of people wind up living in their cars out of extreme financial stress. But today, I'm going to share with you a few of my strategies for living in your car for fun. I've never lived in my car for a long period of time, but I have done it for up to two weeks. And, living (or more accurately staying/camping?) in your car can be: fun easy comfortable frugal You should seriously consider it. And I'm here today to tell you why and how to do it well. Joshua

I recently took a friend of mine (who is super broke) through a grocery store and shared with him some of my strategies to fill your tummy when you're flat broke. This should help you save some cash...or at least help you teach someone else who's hungry how to eat cheap. Joshua Today's show is sponsored by Warby Parker. Get really nice and fashionable eyeglasses shipped right to your door for you to try on and save a ton in the process! www.WarbyParker.com/RPF

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

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

Today, we handle this interesting question from a listener: "In talking about Samaritan to a pastor-friend he threw out the scenario that your middle school age son is injured in an accident while riding in a friend's car, and the police find marijuana in the car--what happens? When I asked a Samaritan rep about it he said their board would carefully review the situation and if they deemed that your son wasn't responsible for/aware of the pot then his injury would be covered; if he was responsible/aware then he would not be covered. While my kids are all under 8 right now and this scenario is a ways off as a possibility for us, I'm concerned that when they reach middle/high school age I may need to look into alternatives for a couple reasons: (1) I'm not fully convinced of an investigatory board's ability to discern for sure in such a scenario what was going on and (2) while I'm teaching my kids to obey their parents and the civil authorities, they are still sinners and, growing up being a learning process, I'm concerned that if one of my kids made a stupid choice as a 14 year old it could significantly haunt the whole family for a long time. What are your thoughts on medical-sharing plans and this sort of scenario? (Obviously this is just one example of the many ways a child could make a sinful and stupid decision while still under their parent's care that could have long-term ramifications.)" Enjoy! Joshua Sponsor: www.HelloFresh.com and use the promo code RPF30 to save $30 off your subscription! If you decide to join Samaritan Ministries, tell them Joshua Sheats sent you over! That gets me a discount on my share next month. :) Thanks!

Erin writes in and says: "I love listening to your podcast- I know you've had a few episodes recently in reaction to current events. As a resident of the Bay Area I hope you could do an episode in relation to wild fires (if there isn't a past episode I am overlooking)." Erin et al, here are my suggestions for you! Joshua Sponsor today: Bombfell. Visit www.bombfell.com/RPF Tons of important information on preparing for wildfires: www.firewise.org Firescaping: Creating fire-resistant landscapes, gardens, and properties in California's diverse environments  

Fun question today for our Friday episode...comes in from Chris: Joshua, Looking to see if you have any insight on emotional/psychological decisions versus logical decisions when it comes to finance. Back story - I have a paid for 20 year old Harley. I have not ridden it in three years, I spend $200/year on an insurance policy, each spring I do maintenance on it which costs about $30, and living in Minnesota, we only really have 6 months or so of decent riding weather. I have a big garage so storage is not an issue, apart from each winter when I have to move it around in and tell myself I'll sell it in the spring. I can make the logical argument to myself that I need to sell this. It is a depreciating asset, costs money to maintain and insure, and it really brings no value to my life. However, I can not bring myself to sell it. I have no pressing financial obligations so the $5-6k that I would get from selling it would really not do much to improve my life. About the only thing that I would do with the money is put in a taxable brokerage account (through a RPF link tradeking account, of course). I have told myself I am going to sell this bike for years now, but I still can't figure out why I still have it. Any insight would be helpful, and as always, thanks for the great show!  

I thought about simply calling today's show, "On Hammers." You pick the title you prefer...but recognize the truth: tools are tools and their usefulness depends not on their inherent attributes but on their appropriate application. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron

Today's show rounds out a special series of live Q&A shows. Today we cover: 1:20 Should I put more money into my retirement plan or buy a house? 18:45 Can I use a donor-advised fund as a smart way to get a bigger tax deduction for my contribution to my local church? 32:30 Should I move from a commission-based job to a salary job which also means a salary cut? 39:10 Should I buy a joint universal life insurance policy to protect my new baby? 1:10:00 Should I keep an India-based whole life insurance policy now that I'm a US resident? Enjoy the show! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

I've been doing a live Q&A series...today we cover these: 1:24 - Can I Pay for My Seminary Degree with Early Distributions from a Retirement Account? 13:30 - Can I Still Become Financially Independent if We Move to Paradise First? 25:45 - Should We Sell our Rental House Two States Away or Plan to Move Back to It In Order to Get the Tax-Free Gains on a Future Sale? 37:45 - Are Healthcare Sharing Ministries Like Samaritan Ministries Any Good? Joshua Ph.D. for under $15,000 https://americanvision.org/6383/b-a-to-ph-d-for-under-15000-how-i-did-it/ Healthcare Sharing Ministries https://radicalpersonalfinance.com/health-care-sharing-ministries/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron  

As we all watch and process the mass shooting in Las Vegas this weekend, I thought it would be appropriate to share a few lessons learned. I always try to process an event like this with an eye towards the lessons I can learn. The tactical situation in Las Vegas was impossible. I don't think you could imagine a worse situation to be in as a concert-goer. An absolute nightmare. But, I do have a few thoughts that I think can help. And since I don't hear anyone sharing anything practical, here are my suggestions. If you have additional practical, actionable ideas, I'd love to hear them. Joshua The flashlight I use is the FourSevens Mini Mark II. It's awesome. http://amzn.to/2fMdtNM

I'm hosting a special Q&A series this week which is open to the entire listening audience. Today we tackle: What Should I Do With a Large Bonus? How Can I Counsel a Young Lady Who Is Using Her Earnings to Support Her Poor Mother? If you'd like to call in for tomorrow's show, here are the details you need to know. Joshua

On Friday's, we do Q&A for our Patrons! Today, we cover: Should I Use a Whole Life Insurance Policy as My Retirement Bridge? Should I Concentrate All of My Investment Accounts With One Manager? Joshua I forgot to mention at the end of the discussion...if you sign up for a free Personal Capital account with this link, I get a small commission. www.radicalpersonalfinance.com/personalcapital IRS instruction on avoiding the early distribution penalty: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions Here are the call-in instructions for next week's special call-in shows. httpshttps://twitter.com/JoshuaSheats/status/913854177721376768://twitter.com/JoshuaSheats/status/913854177721376768

I feel like I owe it to you to keep you semi-current on the state of tax policy in the USA. But, it's too early to have any serious details about the current Republican proposals. I thought instead we could have a useful philosophical discussion about taxation. My challenge to you today is to answer these questions, for yourself. Do you believe that a civil government has the moral right to tax an individual's income? Why or why not? Do you believe that the US civil government has the constitutional right to tax an individual's income? If you believe that a civil government does have this right, how much of a person's income can they claim? What's the right number and how would you know? Do you believe that everyone should be required to pay income taxes? Do you believe that some people should be treated differently than others and so be ordered to pay a different rate of income tax than others? Why or why not? If so, how would we determine who should be treated differently and how much of a difference there should be? Do you believe that government tax policy should be used to incentivize certain behaviors or to dis-incentivize other behaviors? If so, how would we know what behaviors should be incentivized and which ones shouldn't? Do you believe that tax policy should be used to give some people special benefits because of certain behaviors? Joshua

Today's question involves a generous financial gift from an in-law. How should this listener handle it to make sure it's a blessing and not a curse? Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron

I'm just wrapping up a week and I've been off the mic for all of it due to being sick. Wanted to share with you a short motivational monologue to encourage you to keep pressing forward in the challenges you're facing today. This too shall pass. Joshua

I've been sick most of the past week and am especially struggling with my throat/voice. When Joshua no speak, RPF no happen. (And of course that's a good reminder of the value of disability planning!) So, in light of the Equifax breach, I'll issue this replay for you. If you skipped this episode when it originally aired as Episode 461, don't skip it now. Enjoy. Joshua  

Today we tackle the Equifax security breach. This is the most damaging release of personal information ever. And you need to take it seriously. You must assume that you have been affected. At this point, I see no reason to even trust the official Equifax website. Here's why. Clark Howard's excellent credit freeze guide: http://clark.com/personal-finance-credit/credit-freeze-and-thaw-guide/ Another excellent one by the Justin Carroll and Michael Bazzell: https://privacy-training.com/CreditFreeze.pdf I forgot to mention this on the show, but here's a link for those of you who are readers of the resources. The IRS seems to use social media to find people committing tax fraud. Source: http://taxprof.typepad.com/taxprof_blog/2017/08/the-irs-is-mining-taxpayer-data-on-social-media-in-violation-of-federal-privacy-law.html The official Equifax response website: www.equifaxsecurity2017.com Why the Equifax breach is possibly the worst leak of personal information ever. What should you do if your data was hacked? The novel I mentioned: True Faith And Allegiance, a Tom Clancy novel by Mark Greaney

I was inspired to do this show by watching a recent conversation thread in the RPF Facebook Group about where to store your emergency fund. I thought it'd be fun to share with you the things I think about with regard to emergency fund storage. Enjoy the show! Joshua www.radicalpersonalfinance.com/patron

Hey Radicals! Thank you to so many of you who have inquired of our health and safety following Hurricane Irma. Here's my personal report for you! Short version: we are well. :) Joshua

I've been busy today preparing for Hurricane Irma here at the Radical Personal Finance Global Headquarters. At the moment, the National Hurricane Center forecasts the eye of the storm to pass squarely over HQ. So, I thought I'd record a podcast and share a few things with you: Based on watching the Hurricane Irma frenzy, I'm convinced that "societal collapse" scenarios are plausible. I learned this at Costco yesterday. I'm also convinced we live in the greatest time to be alive and that there are so many tremendously powerful companies who are laser-focused on serving their customers. I learned this at Costco today. And from reading this article: https://www.linkedin.com/pulse/inside-story-what-took-keep-texas-grocery-chain-running-chip-cutter The final 20 minutes of the show involves an off-the-cuff discussion of practical hurricane preparation if you decide to stay put through a storm. Gotta run! Lots to do... Joshua

It's Friday! On Fridays we do a live Q&A show. Today we cover: (2:30) What Should a New Expatriate Do With Their Investment Money? (18:30) What To Do With an Old Pension? (26:40) How Should a Newlywed Approach the Rent or Buy Question? If you'd like to join me for a future Q&A show, sign up to be a Patron at www.radicalpersonalfinance.com/patron Joshua

Whenever there's a natural disaster, we have various articles on price gouging's lamentability, to wit, its harmfulness and illegality. But, is it really bad? I say not. "Price gouging" (or, more accurately stated, the adjustment of market prices to meet changing demand) has tremendous utility for the well-being of all involved and is absolutely upright, moral, and ethical. Of course, this guy says it's wrong, morally and economically. I deal with his "arguments" in the show. Joshua Support RPF on Patreon: www.radicalpersonlfinance.com/patron

I've been watching the #HoustonFloods this weekend and considering the lessons I can learn for my own disaster planning. Today, I share some useful ideas for you about how to plan for events like the Houston Floods. Joshua Episode 381 - Simple, Cheap, Practical Tips to Help You Prepare for a Coming Hurricane Episode 347: Disasters Happen – Make a Plan Now to Ensure You Have Plenty of Money Available to You to Solve the Problems Money Can Solve  

Yesterday I was watching the solar eclipse (up north in the 100% band) and I happened to have breakfast with an expediter. Not sure what that is? Basically, a truck driver who drives a van. (More in the audio show.) As we ate, I tried to lay out a few paths on how he could become financially free based on his current work. And, I promised him a show on the topic. So, you get to listen in as I tell him--and you--how any normal person can use a live-on-the-job opportunity as a trampoline to bounce them into the upper tiers of financial abundance. Enjoy! Joshua The novel I mentioned is Enemies Foreign and Domestic by Matthew Bracken.

Time for Friday Q&A! If you'd like to join for a future show, sign up here: www.radicalpersonalfinance.com/patron Today, we cover: 2:00 Should I refinance my credit card debt by moving it to a HELOC? 34:10 Do you have passion for a job before the fact or do you become passionate about it after you're good at it? 42:30 Should I drop the military's Survivor Benefit Plan for my pension in favor of buying a 10-year whole life insurance policy? Enjoy! And remember! I have 27 seats remaining for the new Radical Personal Finance Guide to Career & Income Planning. If you're interested, I'd love to have you in the class. Join here: www.radicalpersonalfinance.com/career Joshua  

As I celebrate the opening of the registration page for the beta launch of the new Radical Personal Finance Guide to Career & Income Planning, I intend to share with you a few simple lessons related to career and income. Today, we begin with the philosophical fundamentals: the interplay of human capital and financial capital. We all start with what we have (human capital) and use it to create financial capital, which we ultimately work to have in surplus. Once we have surplus, we get to decide what to do with it. Enjoy! Joshua Try Hello Fresh to get awesome, pre-measured fresh ingredients delivered right to your front door! Save $30 off your subscription with code RPF30! www.hellofresh.com/rpf30 If you're interested in joining the beta launch of my new Guide to Career and Income Planning, I've got 65 seats left. Registration closes either on 8/20 or when I sell out the seats, whichever comes first. More details here: www.radicalpersonalfinance.com/career

I've had a tough summer. I have nothing to complain about. I've been richly blessed and, in almost every way outside of Radical Personal Finance, life has been sweet. But, RPF hasn't been so great for me. And, if it hasn't been so great for me, it might not have been so great for you either. I thought you might appreciate hearing the explanation and the story. It's important to me to share the good and the bad--the heights and the lows--with you in order to help you understand that we all share common struggles and trials. That said, I don't think it's helpful to talk about problems unless I can also suggest a solution. And, thankfully, I've worked out some solutions to my problems. So, now I'm ready to share the problems with you! I've figured out what's wrong with Radical Personal Finance. And [I think] I've figured out how to fix it! Here's the story... Joshua The book I read from is called "Out of the Ashes: Rebuilding American Culture" by Anthony Esolen http://amzn.to/2v69tLh

On Fridays we do a live Q&A which is open to Patrons of the show. Become a Patron at www.RadicalPersonalFinance.com/patron Today we cover: Can I Have Both a SIMPLE IRA and a Traditional IRA What Personal Finance Books Does Joshua Recommend What Three Investments Would I Buy To Leave Alone for a Decade What Are the Rules of Thumb for Who Should Buy Long-Term Care Insurance And more! Joshua

On Fridays, I host a Q&A call. Patrons of the show are invited to call in and ask any question they want! Today, we cover: (1:57) What's the best type of retirement plan for my wife's side business? (SEP IRA, SIMPLE IRA, Solo 401(k)?) (16:45) How can I help my sister-in-law who is asking me for financial advice? (30:20) Should I pay off my debt as fast as possible or save up and pay it off in large chunks of money? Joshua Become a Patron of the show and gain access to future Q&A shows here: www.radicalpersonalfinance.com/patron

There's been an interesting switch in the world of personal finance wherein some people are building financial plans based on extremely low spending projections. In essence, some people assume that if they can live on an extremely low budget per year today, they can build a long-term financial plan predicated on maintaining that spending forever. I think this is a dangerous assumption. And, in today's show, I explain why. Joshua Earn up to 8.5% return on your money by financing solar energy projects with Wunder Capital. www.WunderCapital.com/radical

Welcome to another Friday Q&A Show! Today, we cover: Is It Legit That You Can Find Missing Money That's Still Unclaimed Should I Take Free Housing With a Longer Commute How Do I Deal With Massive Medical Bills Do I Need a Personal Insurance Agent What Three Books Would Joshua Take to A Desert Island? If you'd like to join me for a future Q&A show, become a Patron of the show at www.radicalpersonalfinance.com/patron Joshua Save $30 off a new subscription for awesome food at www.HelloFresh.com using coupon code: "RPF30" Give it a try!

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

I've long struggled to know how to advise people with regard to debt. On the one hand, the use of debt can dramatically increase the financial returns of an investment. On the other hand, debt can have a dramatic negative impact on the lifestyle of the borrower when everything goes wrong. So, how do we reconcile these two things? I've come to see that they're two entirely different scales. Because they are two totally different scales (think: how do kilograms and degrees Fahrenheit interact with one another), it's hard to simultaneously factor in both. Enjoy the show, Joshua Sponsor: www.wundercapital.com/radical Invest in commercial solar projects and earn up to 8.5% on your money. Start with as little s $1,000.

I've alluded to my long-term guess that the US Government will default on many of its current promises. But, I've never really supported that argument. I thought I'd kick that support off today by sharing with you a succinct and coherent description of the problem by reading Professor Laurence Kotlikoff's testimony to the Senate Budget Comittee in 2015. Enjoy, Joshua America’s Fiscal Insolvency and Its Generational Consequences: Testimony to the Senate Budget Committee http://www.kotlikoff.net/sites/default/files/Kotlikoffbudgetcom2-25-2015.pdf Support Radical Personal Finance on Patreon! www.radicalpersonafinance.com/patron

I've never invested in raw land. My #1 reason? Since raw land has no utility, there's no way to pull income from it. And at this stage of my life, I value income-producing assets. But, my guest on today's show has a great system for solving that problem. He has parlayed raw land into a very helpful income stream leading to his own financial freedom. Enjoy my interview with Mark! Joshua Mark's website is: https://www.thelandgeek.com/ Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today's episode is Part 2 of a mini-series on the seasons of life. The world of work is changing rapidly. We find ourselves pressed on all sides to do more work and different work. And yet in personal finance circles, the focus of our conversation is quite frequently how to get out of work. I believe work is a blessing and not a curse. And that to run from work is the wrong answer. And yet how can we adjust our relationship with work so that it feels more meaningful and less ephemeral? Part of the answer is in learning to work with the natural seasons of life. Enjoy, Joshua Please visit www.HelloFresh.com to get awesome food, delivered right to your door. Save $30 when you subscribe with promo code RPF30. Thanks!

Poverty is hard. Money helps to make life less hard. But, in our modern world, it's hard to figure out how much money is enough. As you go through the seasons of your life the usefulness of money will wax and wane. Money comes with a cost: time, labor, risk, attention. You need to think carefully about the season of your life you're in and consider the unique value of money during this particular season. Joshua Did you find value in this episode of Radical Personal Finance? Please sign up to support the show on Patreon: www.radicalpersonalfinance.com/patron  

Today I have an interview for you with Ben Higgenbotham, a funeral director who's also well in tune with the Radical Personal Finance philosophy. He's here today to share the inside scoop on how to effectively work with a funeral director so that you can get the funeral experience that your family desires without losing your shirt. Enjoy! Joshua p.s., If you didn't hear it, you might want to first go and listen to Episode 409, "How to Get Yourself Put 6 Feet Under Dirt Cheap!". https://radicalpersonalfinance.com/cheap-burial/ That show was the "radical" approach; this discussion was intended to be a bit more mainstream. This interview was recorded almost immediately after that show was released, but I misplaced the file and neglected to get it into the schedule! Sorry, Ben!

What do dentists who shoot lions, publicists who make jokes in poor taste on Twitter and Indiana pizza makers have in common? Their lives were suddenly and irrevocably changed for the worst while doing something that they could never have predicted would lead to it.Avoiding catastrophe is an important pillar of the wealth building strategy that I promote through Radical Personal Finance. As personal finance enthusiasts, we are one of the most prudent groups of people on this planet: we build our emergency funds, insure against negative events, diversify our investments and make careful choices about our spending.Radical Personal Finance is, however, about going beyond the obvious and into the territory of things less commonly considered, but just as important. I want you to be prepared to deal with a hurricane, becoming a refugee, dealing with food scarcity or even the possibility of getting arrested. In my experience as a financial advisor, it has often frustrated me with how little care is sometimes taken to ensure the client’s financial security, despite the good intentions of most people in the industry. But why is this possible? The answer is that most people care even less about their data. It’s shocking to discover how vulnerable we actually make ourselves by not taking simple security measures when using bank accounts, email and social media - vulnerable not only to a loss privacy but potentially to a very real financial loss. I’ve taken an interest in this subject a while ago, and have been really impressed by the book The Complete Privacy and Security Desk Reference which stood out in a field where information is often cursory or out of date. That is why I invited co-author Justin Carroll to Radical Personal Finance to talk about real, actionable ways in which you can become more secure and protect your privacy. This article contains some of the best tools mentioned in our discussion, though for a more complete picture I recommend that you listen to the episode above and purchase the book itself. But This Won’t Happen to Me I often get this objection: “I’m not doing anything wrong - why should I be concerned about privacy?”. Here’s an analogy that I’ve found helpful in explaining why I promote these ideas:Do you remember the time when every phone call was a party line? Anyone in the household could pick up another receiver and there was very little one could do about it at the time. Now, however, you do have a choice - do you want to make everything you search for, consume, talk about as well as access to all of your accounts and purchase history a party line? Complete privacy and security are very difficult to achieve, but some very simple steps and tools can protect you from most of the headaches in the future. Another thing to consider is this: You may not be a target right now - but you may become one in the future as your wealth increases, you endorse unpopular political or religious perspectives or just live your life the usual way, as the stories at the beginning of this article illustrate. This may be a decade from now, but to prevent it you must build the skills and the mindset starting today, because you don’t know what circumstances you will face in the future through no fault of your own, and you can’t control things after the fact. Some simple tools and habits that have a great impact: Accounts and Passwords You are at great risk if you use the same or the same few passwords for all of your accounts. You will see this warning often and for good reason when creating new accounts: it only takes one company to be breached (who didn’t store your data properly) and an attacker gains access to all of your accounts. Alternatively, it’s often enough if they just gain access to your main email and phone account (which isn’t very difficult) and that opens up everything else. Using a different strong password for every account mitigates some of this risk.Less often mentioned, but equally important is using different and random usernames. Is your email address firstandlast@gmail.com? You’ve just given away an important piece of the puzzle to would-be attacker. The problem often is safely storing and remembering all of these account names and passwords - that’s where a password manager comes into play. Using LastPass (more convenient) or KeePass (more secure) can make the process a whole lot easier and secure. Two-Factor Authentication Nowadays you can often see a website offering (or requiring) you to enter a code from a text message in addition to your password. This is a form of two-factor authentication: an attacker job is made more difficult since he needs access to both your account name and password as well as your phone number. Unfortunately, phone numbers are often accessed by social engineers (who exploit human psychology) or accounts are simply hacked into, making this method not particularly secure. What I recommend instead is that you use Authy or Google Authenticator on your smartphone. This works in a similar way, but you need actual physical access to your device (as opposed to just the number) which significantly enhances your security. For even more security, you could purchase a YubiKey, which is a special piece of hardware dedicated entirely to two-factor authentication. Encrypted Communication Even though we rarely send long and heartfelt email anymore, there’s still a lot of important information that someone can gain from reading the emails that you send and receive. The same is true for instant messaging and phone calls.I encourage people who own an iOS to use Facetime Audio instead of calling and to use Signal (iOS and Android) for instant messaging - both of which are encrypted. Setting up email encryption used to be somewhat difficult, but tools such as Proton Mail offers end-to-end encrypted communication. You can also encrypt sensitive documents with a password using Adobe Acrobat Pro (Windows) or Preview (Mac). Don’t Trust Your Financial Advisor (or Your Bank) Just because someone is in the financial industry, it doesn’t mean that they take good care of your information. Bank accounts sometimes have worse-than-average security - make no difference and use the same tools and principles that you would with any other account.The same is true with financial advisors, accountants etc. Your information is not always stored appropriately - sometimes physical copies are kept that are not secured, sometimes administrative staff has access to digital documents, sometimes your information may be shared between financial advisors at the same firm.Make sure to compartmentalize information: think carefully if that person or organization really needs this or that particular piece of information, and try not give a complete picture whenever possible. This way, if there’s a breach at a particular firm, that information alone will not be enough to impersonate you or access your other accounts. Use Cash Whenever Possible Show me your bank statement, and I’ll tell you who you are. How much could I learn about you knowing where you shop, where you get your morning coffee, where you fill up your car, where you eat your lunch and what kind of shops you visit? All this information can paint quite an accurate picture of you - there’s no reason to offer it up on a silver plate.Use cash whenever you can - it’s not so hard to get used to (again). Maintaining Privacy in Online Payments with Burner Credit Cards Sometimes you can’t get around using a card - but by sharing your bank-issued credit/debit card details when making purchases, you are losing control over the transaction. Most of the time, everything stays win-win, but in contentious situations it’s often a problem if the merchant has all of your details. In addition, unauthorized spurious charges have been known to occur, sometimes in foreign countries, which drain your time and energy to deal with. Using services such as Privacy.com, SudoPay (connected with Apple Pay) and Blur you can create credit cards that work only for one transaction, or are used for only one merchant. This also means that you don’t have to use your real name or address when making these payments, protecting you from when (often inevitably) the merchant’s database gets compromised.In addition, you can also set up additional email addresses and phone numbers - this way, for instance, you can share one virtual number with friends and family, and another virtual one to important accounts, that way your accounts stay safe even if your actual phone number is compromised. Act Now The tools here are some of the lowest hanging fruit available to you right now to ensure that your assets and your information stay safe. I’ve gone into even more strategies with Justin in the podcast episode that this article was based on - including owning a car and a house as well maintaining a mailing address as privately as possible. You can find our discussion above this article, or in iTunes. I also wholeheartedly endorse Justin’s and Michael’s book on the subject, as well as their podcast. Proper prudent planning beats trying to fight the fires after the fact. Take the steps today to protect yourself so you aren’t caught off guard in the coming decade! I am available if you’d like to have a phone conversation on this subject. Here are all the resources mentioned in the podcast episode: Justin Carroll’s and Michael Bazzell’s podcast: https://itunes.apple.com/us/podcast/the-complete-privacy-security-podcast/id1165843330?mt=2 Justin Carroll’s and Michael Bazzell’s book: https://www.yourultimatesecurity.guide/books.html Encrypted PDFs on Windows: https://acrobat.adobe.com/uk/en/acrobat/acrobat-pro.html Encrypted messenger: Signal Encrypted email: https://protonmail.com/ Password manager: http://keepass.info/ Password manager: https://www.lastpass.com/ Two-Factor Authentication: Google Authenticator Two-Factor Authentication: https://authy.com/ Two-Factor Authentication: https://www.yubico.com/products/yubikey-hardware/ Buying car privately with New Mexico LLC: https://jjluna.com/Resources-LLCs Defense against private investigators: JJ Luna How to Stay Invisible https://www.amazon.com/gp/product/1250010454/ Secrets of Super Thief https://www.amazon.com/Secrets-Superthief-John-MacLean/dp/0425056457/ True Faith and Allegiance https://www.amazon.com/Clancy-True-Faith-Allegiance-Novel/dp/0399176810 Open Source Intelligence Techniques: https://inteltechniques.com/book1.html Credit Freeze: https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs Credit Freeze: https://radicalpersonalfinance.com/credit-score-management/ Virtual Credit Cards: https://privacy.com Virtual Credit Cards, Phone Numbers and Email Addresses: https://sudopay.com/ Virtual Credit Cards, Email Addresses: https://dnt.abine.com/

I frequently get this question: "Joshua, what should I invest my money in?" Well, that's a hard question to answer. I'm not you, so how should I know? But, here are the factors I think you should consider in answering that question for yourself: time money knowledge skill temperament timing opportunities tools Joshua p.s., did I miss any important factors? If so, let me know in the comments.

Many people are far too free with their personal financial information. This can be very dangerous. You cannot expect your financial advisor to keep your personal information private, secret, and secure. You've got to take steps to protect yourself. Joshua  

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

I'm a big fan of Cal Newport's work and I stumbled across this TEDx talk that he gave on the topic of social media. Consider his points and see how they might relate to your personal social media usage. It'd be a shame to look back at the end of the year and recognize an alternative use for the hundreds of hours that most of us use in social media activities. Always think about the opportunity cost... Joshua Original video: https://youtu.be/3E7hkPZ-HTk

Hey Radicals! Today's show is a little audio ramble among friends to tell you that my wife and I are celebrating the birth of a new little baby boy! (I also tell you about my 3-year-old's first successful investment...and his 100% ROR!) Joshua Episode 212: Comments on Preparing for Child Birth with Mrs. RPF

Rounding out our theme this week of how to survive and thrive during police encounters so that you are not arrested and imprisoned, I bring you an important video by the Flex Your Rights organization. This one is best viewed as a video and is available for free here: https://youtu.be/s4nQ_mFJV4I It contains dramatic presentations and acting and is really well done. I recommend that you don't listen to the audio file here; I recommend you make the time to watch the video yourself, then again with your spouse and children. However, I find that it's hard to make the time to watch videos, so I'm posting the audio here for you to at least listen to. You'll gain a lot from simply listening to the audio. But, again, if you can make the time, stop listening and go watch it: https://youtu.be/s4nQ_mFJV4I

This is the audio from a presentation at the CATO Institute by Law Professors James Duane and Randy Barnett. (original video: https://youtu.be/gpkc2FZFR5k) It is a follow up of the concepts outlined in James Duane's excellent book "You Have the Right to Remain Innocent." There is very little additional value from watching the video file, so enjoy the audio and you'll get the most important points. Buy James Duane's book "You Have the Right to Remain Innocent" http://amzn.to/2qgDFDF

I urge you to make the time to listen to this presentation about why you should not talk to the police, no matter your guilt or innocence in any matter. This is an audio presentation of this YouTube speech (viewed over 23 million times wherein Regent Law Professor James Duane gives viewers startling reasons why they should always exercise their 5th Amendment rights when questioned by government officials: https://youtu.be/d-7o9xYp7eE (There is very little added value in the video presentation, so you'll gain the bulk of the knowledge by listening exclusively to the audio.) Also, you should buy and read the $5 book that Professor Duane wrote to follow up to this speech: "You Have the Right to Remain Innocent." (highly recommended) http://amzn.to/2qgDFDF

If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye. You need insurance against that eventuality. Today, I'm going to teach you why it's vitally important that you arrest-proof yourself and how to do it. Joshua Arrest Proof Yourself book: http://amzn.to/2ph7Xos Don't Talk to the Police video: https://youtu.be/d-7o9xYp7eE You Have the Right to Remain Innocent video: https://youtu.be/gpkc2FZFR5k BUSTED: The Citizen's Guide to Surviving Police Encounters: https://youtu.be/yqMjMPlXzdA  

My guest today is Dr. Marilyn Brodeur, founder of the Infant Dental Center in Corpus Christi, Texas. Marilyn reached out to me after hearing my response to a caller in Episode 417 who was struggling with a decision of whether to pursue her career aspirations or to focus her attention on her children. So, I invited her on the store to share her story about how she has built a successful business that allows her a great deal of flexibility and capitalizes on her skills and ability. Enjoy! Joshua Marilyn's practice: http://www.infantdentalcenter.com/

I don't have a new, original show for you today. But, I do have this interview that I gave last year on Everything Financial Radio! My segment of the show begins at 22:20. Enjoy! This is the original episode link: http://www.everythingfinancialradio.com/2016/04/joshua-sheats-and-tom-aspray-join-host-dennis-tubbergen/

It's Friday! That means Q&A: Where Should a 48-Year-Old Focus Financially for Retirement? Should I Sell a Stock that Makes Up 25% of My Net Worth? Should I Move Across the Country So My Children Can Be Near Their Grandparents? How Strong Is the California Pension System? Should I Contribute More to Retirement So I Can Pay Less on My Student Loans?

Today we tackle the Rule of 72 with a quick explanation of what it is and why it's useful to you.

The Millionaire Next Door Wealth Index: "Multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten. This, less any inherited wealth, is what your net worth should be."

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

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

We do a live Q&A show on Fridays. Today we cover: How Do You Help Young People Engage in Goalsetting? How Much Debt Is Too Much on Rental Properties? How Do You Help Your Brother-In-Law Learn About Money? Last-Minute Health Savings Account Contributions? Enjoy the show! Joshua Please support the show on Patreon! www.radicalpersonalfinance.com/patron Sign up for a free 34-day trial of YNAB: www.radicalpersonalfinance.com/YNAB Try out the Personal Capital dashboard: www.radicalpersonalfinance.com/personalcapital

I've often made comments like, "Your 401(k) won't make you rich." Or, "People Don't Get Rich Because they Invested in Their 401(k)." A listener recently asked for clarification on that statement. I thought it was so important that I dedicated an entire show to it. In today's show, I give my defense of my statements and argue my case. My thesis is simple: high 401(k) balances are correlated to people who are rich, but they are not a causative factor of wealth. Enjoy! Joshua Please support my show on Patreon! www.radicalpersonalfinance.com/patron

A little while back I gave this interview for Joe Fairless on his show, "Best Real Estate Advice Ever." We focused on the intersection between personal finance and professional financial advice. Enjoy! Joshua http://joefairless.com/best-financial-advice-achieving-maintaining-financial-freedom/

Today, please enjoy this recording of my appearance on Episode 107 of the Sound Retirement Planning Podcast with Jason Parker! This show was recorded in Q4 of 2016. http://soundretirementplanning.com/107-radical-retirement-planning-joshua-sheats-radical-personal-finance/

I see lots and lots of people talking about the idea of "passive income." Everywhere I look, I hear people talking about passive income and why it's so great! But, I've heard very few people define the concept and explain what a true passive income opportunity is. And the vast majority of opportunities I hear of don't qualify as passive income in my book. So, let's bust this "passive income" myth today! Joshua Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron 

It's Friday! On today's Live Q&A show we cover: Should I sell the house we just moved out of? How Do I Figure Out If I Should Fire My Financial Advisor or Not? How Can I Organize a Really Cool Networking Event for Celebrities that I Admire? How Can Divorced Men Creatively Avoid Paying Higher Child Support? What Competitive Advantage Does Dimensional Fund Advisors Have Over Vanguard? How Has Joshua Changed His Financial Plan Over the Last Three Years? Enjoy! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today, we cover this question: Joshua, My husband and I love your show and would LOVE IT if you could help us answer a question from your point-of-view. Facts: We're completely debt-free except for our house. We make around $130,000 per year. We're currently investing 10% for retirement. We are dead-set on paying off the house in the next 2.5 to 3 years. The DILEMMA: Dave Ramsey suggests saving 15% for retirement for someone in our position. We can do this..but that'll slow down our house payment goal quite substantially (or, in my mind it's substantial, as I want this house paid off TOMORROW!) The goal after the house repayment is to throw everything we can spare towards investing in retirement funds. THE QUESTION: Should we stay strong on our course to pay off the house in 3 years tops only saving about 10% for retirement or do we bump up retirement savings? Ultimately how do I figure out the opportunity cost in each scenario? Thanks so much! Taliah -- Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron This is the debt-payoff calculator that I use constantly! https://www.vertex42.com/Calculators/debt-reduction-calculator.html

Today's show comes by inspiration of this listener question: "Joshua, will you please send me a link to the best show on your website for a woman wanting to convince her husband that they can make it financially if she stays home?" Well, I didn't have such a show. But now I do. Here it is! Joshua Don't have good data on your income and expenses? Start tracking it with YNAB! Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB DATA:    Working (Conservative)   Staying at Home   Difference          Husband   $60,000  $60,000   Wife  $60,000  $-     Total  $120,000  $60,000  $60,000         Employment Taxes (7.65% -- 6.2% SS + 1.45% Medicare)  $9,180  $4,590  $4,590 Income Taxes (Turbo Tax Estimate, 30 years old - 2 kids, no deductions)  $12,849  $1,756  $11,093    $22,029  $6,346  $15,683         Income, net of tax  $97,971  $53,654  $44,317         Cost of Childcare ($7k x 2)  $14,000  $-    $14,000 Income, net of childcare  $83,971  $53,654  $30,317         Commuting Costs Saved ($200/mo)  $2,400  $-     Work Lunches Saved (100 lunches @ $15)  $1,500  $-     Work Clothing Saved ($50/mo x 12)  $600  $-     Dinners Out Saved ($60 x 50)  $3,000  $-     Household Savings due to frugality ($200/mo x 12)  $2,400        $9,900  $-    $9,900         Income, net of working costs  $74,071  $53,654  $20,417

I've really got a great show for you today. It's one that brings together so many things that I love talking about! Travel with Family, Entrepreneurship, Marketing, Financial Independence, and more! My guest is Anthony Amos. He's an Australian entrepreneur who started out with a tiny little backyard dog-washing business. He grew it, franchised it across Australia, and then sold it and decided he was rich enough to go into property development. His timing was not so great (right before the real estate crash) but he suffered through. Later, he wound up buying the company back and he's in the process of expanding across the United States! At the moment, he and his family are in the middle of a 50+-state RV trip all across the USA with a goal of raising $1,000,000 for dog rescue. Along the way, they're enjoying an incredible family adventure and publicizing their dog washing business! This one is well worth your time! Joshua Anthony's website: https://bathetosave.com/ Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

It's tax-time! That means that you face a problem: how should you do your taxes? Should you print off the 1040 form from the internet and fill it in by hand? Should you use tax software? Should you hire an accountant? Here are my thoughts on the matter! Joshua Great records will make doing your taxes an absolute breeze. Why not try YNAB for your budgeting and recordkeeping? Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB Please support RPF on Patreon. Currently 267 people of the ~18,000 daily listeners support the show on Patreon for a total of $1,659 per month. I'd be thrilled if you'd join them! www.radicalpersonalfinance.com/patron

It's Friday! That means it's time for a live Q&A show. Today we handle two questions: How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor? How Can an Early Retiree Calculate If He Has Enough Money Enjoy the show! Sign up as a Patron to be invited to future Friday call-in shows. www.radicalpersonalfinance.com/patron Joshua

Today's show is dedicated to marketing. I focus on answering a specific question about podcast marketing, but I do share a number of tips that are applicable on a broader basis. Here's the question: Hi Joshua, I was inspired to start my own podcast six months ago when I listened to your episode 300 entitled "30 podcasting lessons learned from 300 episodes". Your words of encouragement were invaluable for me and really made me believe I could do this. Your suggestion to focus on content and not the technical aspect of podcasting was the most significant takeaway for me. The podcast is only 30 episodes in and we consistently publish an episode every single week but wondered if you could provide some suggestions on how to grow your audience. Background information: Candian based personal finance podcast, host/co-host format, with the occasional guest Thanks so much, Trevor Simple Money Solutions podcast Go listen to Trevor's show! http://livelifesimple.ca/ Please use the coupon code "Radical" to get your first month of podcast hosting for free at www.libsyn.com Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron

I wasn't quite sure how I should approach today's book review of Tony Robbins new money book, so I asked the Radical Personal Finance Facebook group. I wrote: "I'm about to record my review of Tony Robbins' new book, Unshakeable. Should I do it in my current mood as ticked-off, angry Joshua and rip it to shreds or should I do it in my calm, collected and intellectually neutral voice, carefully presenting the good, the bad, and the ugly? Whadya want?" Well, most people seemed to want option A, so I turned the mic on and let it rip. Enjoy my review of Tony Robbins' latest book: Unshakeable: Your Financial Freedom Playbook: Creating Peace of Mind in a World of Volatility. Joshua p.s., If you missed it, here's my 3-hour review and critique of his first personal finance book, Money: Master the Game: 7 Simple Steps to Financial Freedom. Get a free 34-day trial of the personal budgeting software that I use every day: www.radicalpersonalfinance.com/YNAB Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/Patron    

I recently completed a brief demographic survey of the Radical Personal Finance audience. I learned a ton about who you are! I thought it would be fun for me to share it with you and share how it impacted me. Enjoy! Joshua     Do you need a website? Reach out to my own personal web team at www.sillygrasshopper.com and see if they can help you! Radical Personal Finance Audience Demographics          Gender     Male    78.9% Female    21.1%      Age     13-17    0.2% 18-20    0.6% 21-24    6.9% 25-34    48.5% 35-44    29.8% 45-54    9.9% 55+    4.2%      Marital Status     Single    27.4% Married    70.1% Divorced    2.4% Widowed    0.1%      Race     Asian    4.5% Black    3.9% Caucasian    82.1% Hispanic    4.5% Native American    0.1% Pacific Islander    0.7% Other    4.2%      Education     Less than high school graduate    0.4% Graduated high school / GED    1.7% Trade / Technical school - no degree    1.5% Attended college but did not graduate    5.4% Two year college degree    5.3% Four-year college degree    50.1% Masters degree    26.6% Doctoral degree    9%      Income     25k-49k    7.6% 50k-74k    14.7% 75k-99k    16.5% 100k-199k    40.8% 200k+    17.6%

On episode 425 of the podcast I interviewed Mr. Money Mustache. That episode was not intended to be an introduction to his teaching or his philosophy; rather, it was a human interest discussion with the man himself. Today, I introduce you to the philosophy and teaching: the message. What is mustachianism? What is the plan for financial independence espoused by Mr. Money Mustache? Enjoy! Joshua Start your search for a great financial advisor here: www.radicalpersonalfinance.com/patron Please support the show directly as a Patron: www.radicalpersonalfinance.com/patron

Hey Radicals! We're quickly coming up on Episode 500 of the show. To celebrate, I'd like to do a special show, exclusively featuring your stories. 1. Will you please record a quick 2- or 3-minute audio message telling us about the changes you've made in your life and how you've made financial progress in your life? I think hearing your story will be so encouraging to all of us. Also, 2. Will you please send me a picture of you and/or your family for me to post on my screensaver? I'd like to create a picture gallery of who my listeners are so that I can picture you and record better information for you! Email those two things to: joshua@radicalpersonalfinance.com Thank you! Joshua

I'm traveling today and unable to record. Enjoy my recent interview on the Richer Soul podcast! http://richersoul.com/2017/03/07/ep-0010-richer-soul-joshua-sheats-radical-personal-finance/ Joshua

I learned about business and money during my six years working as a financial advisor than at any other time period in my life. Today I'm kicking off a series sharing some of the lessons that have most deeply impacted me. I'll share both the lessons I learned from business as well as the lessons that I learned from working with hundreds and hundreds of clients. Lesson Number 1 is simple: Don't wait for business to come to you; go find it! Joshua Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

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

My guest today is a lady named Ruby. We met at Camp Mustache SE 2017 a couple of months back and I got to hear her immigrant story! She and her husband are both recent immigrants to the United States and they are aggressively pursing financial independence. Enjoy her story! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

I've been thinking about computer and data security this weekend and I decided to run with that theme for today's show. I've compiled a simple list of 18 tips for you to enhance your financial security and financial privacy. These range from the simple (#1 is for you to cover your PIN code with your hand) to the contentious (#10 is my advice as to whether you get greater security from using a credit card or a debit card). But, they're all useful and free (or at least nearly free). Enjoy! Joshua Looking for a new financial advisor? Start your search here: www.radicalpersonalfinance.com/patron This is the Access Denied RFID blocking wallet that I have. http://amzn.to/2mZcZCJ Here's a ladies version of the Access Denied wallet. http://amzn.to/2md0a7K RFID blocking sleeves for your credit cards: http://amzn.to/2lPCcOm This is the MobileSec Cell Phone Blocker bag I mentioned: http://www.mobilesecsolutions.com/cell-phone-blocker I own this Amazon Basics paper shredder. It works really well http://amzn.to/2mPwiBy

My guest today is Gwen, writer at www.FieryMillenials.com She is a hardcore saver who is working her tail off to reach financial independence and to teach others through her story. This is an ideal follow-up to yesterday's advice to my 22-year-old listener. Enjoy! Joshua Please Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today I answer this listener question: Hi Joshua, I am a 22 year old recent college graduate. I have since landed a job and have been working for about 4 months now. Prior to graduating college, I was much less educated on money matters and hardly mindful about my personal finances. Upon graduating, I realized that I knew next to nothing about budgeting, saving, investing, and growing wealth. Additionally, many technical terms and aspects of finance confused me. Since I was going to be getting a “real job” soon and making more money than I ever have before, I decided to self-educate and rid myself of financial ignorance. I began reading books, blogs, watching YouTube videos, and listening to podcasts. I now find myself in a much better position to make sound monetary decisions. Here is my current situation: I live at home with my parents rent free. I am extremely fortunate to have no debt from college. I have no debt. I work a full time job and save virtually all of that money. I work a part time job and use that money as my “spending money.” Essentially, I am blessed to have a blank slate coming out of college. The downside of my equation is that my full time job does not pay particularly well ~$31,000 a year and I live in an area with a high cost of living (northern VA). Do you have any advice for someone like me who is just getting started in the real world and wants to begin a path to financial independence? I do realize that a huge step would be to find a better paying job – I am working on that. However what would you suggest that I do in the meantime to add additional income and begin my journey to FI? My goal is not to make this all about making more money, but rather to position myself in such a way that I can live life the way that I want. ALSO I want to be in a position where I can easily provide advice and assistance to those who are less well off than I am. Thank you in advance for any advice that you can provide! Enjoy! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today, I answer this question from a listener: Joshua- Fan of the show and a Naval Officer. I have some questions on overall investing strategy.  I have close to 17 years in the Navy and will likely retire at 20 with a full pension (about $55k/year before taxes), currently have $440k in retirement savings for my wife and I split between Roths and TSP, have over $140k in college savings for my 2 kids (8 and 10 year old, plan on also transferring my GI Bill which will essentially pay for one of their college educations), and have about $30k in taxable accounts.  We are selling our house in Norfolk, VA this year-- been a rental for 5 years but we are moving from Tampa to Jacksonville where I will take Command of a Destroyer there. So- my question-- I am looking at getting into real estate investing and slowing down retirement savings over the next 5 years (from about $25k/yr to $12k-- maxing out Roths and minimum to TSP).  Curious to hear your take on my overall situation and real estate investing writ large.  Ideally we'd put about $40-50k into things this year-- either buy and hold type rental properties or a flip- and then snowball any earnings plus about $30k annually over the next 4 years until I retire to setup passive income sources.  Thanks! Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

Listener Allyn writes in with this question: "What are your thoughts on using whole life insurance as a college savings plan? If you don't like it, why?" My thoughts are in the show! Joshua Thank you for supporting the show on Patreon! www.radicalpersonalfinance.com/patron

Do you feel richer today than you did yesterday? If not, why not? Joshua Daily by Seth Godin How to Get Richer Every Day by Mark Morgan Ford

Different people learn in different ways. For that reason, we need many new approaches to helping people learn about financial independence. I'm glad to bring my new friends Jonathan and Brad on the show to talk about their project ChooseFI.com. Operating under the banner "Experiments in Financial Independence," they're seeking to create a new approach to learning and teaching about financial independence. Enjoy the interview! Joshua www.ChooseFI.Com www.TravelMiles101.com Find a great financial advisor! www.radicalpersonalfinance.com/paladin Use the same budget software I use! www.radicalpersonalfinance.com/YNAB Support RPF on Patreon: www.radicalpersonalfinance.com/patron

It's Friday! That means a live Q&A show. Today we tackle: Should I Get Rid of my 3rd Car? What is a Modified Endowment Contract and How Does it Work? What Should We Do With All This Extra Money our Church Just Received? If you'd like to join a show like this and ask your question, sign up to become a Patron! www.radicalpersonalfinance.com/patron Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Connect with us on the Facebook page https://www.facebook.com/RadicalPersonalFinance or in the Facebook Community Group! https://www.facebook.com/groups/RadicalPersonalFinance/

Today, I bring you an interview with the #1 most requested guest! Mr. Money Mustache himself. I connected with him while up in Gainesville for Camp Mustache a couple of weeks ago. This interview isn't about the nuts and bolts of Mustachian philosophy or on how to become financially independent in a few short years; those topics have been well covered elsewhere. This interview is about his current life, current projects, and things he's excited about at the moment. Enjoy! Joshua Try Hello Fresh! Get $35 off your first order at www.HelloFresh.com with promo code RPF. Support RPF on Patreon! www.radicalpersonalfinance.com/patron

Every day I mention that little slogan, "financial freedom in 10 years or less" in my intro. It's an aggressive, spicy little slogan. But I probably don't do a good enough job of highlighting what that phrase actually means and how many different ways it can be achieved. Today I have a really fun profile of someone who has successfully achieved financial freedom in less than 10 years by capitalizing on AirBnB. And doing it with properties that she didn't even own! Enjoy hearing Zeona McIntyre's story of financial freedom! Joshua Zeona's website: https://www.zeonamcintyre.com/ Start your search for a financial advisor here: www.radicalpersonalfinance.com/paladin Try a free 34-day trial of the YNAB budgeting software! www.radicalpersonalfinance.com/YNAB Support me directly on Patreon! www.radicalpersonalfinance.com/patron

Perhaps you've noticed that the topic of refugees has been in the news. The recent news sparked this question in the Radical Personal Finance Facebook group. If I were unexpectedly detained/deported while I was traveling, with the uncertainty of my job or my possessions (or even my bank accounts) being accessible to me or even available to me if I were to somehow return, what would I do, and how would I manage? How might I create a plan to restart my life from scratch if I had to begin again in a different country? I think it's a fantastic question! Today I answer this question in 3 parts: What can you do to prepare for detainment by foreign border guards? What should you do if you're caught up in the mess created by the detainment of other people? What can you do to set yourself up to start a new life in another country if you have to flee in the middle of the night? Enjoy! Joshua Support Radical Personal Finance as a Patron! www.radicalpersonalfinance.com/patron Ideas from the survivalist world on what you can carry with you in an airport carry-on. Witness.org has some great resources on filming protest and human rights violations.  

I'm traveling today (appropriately enough), so I'm not able to serve you with a Q&A show today. Instead, enjoy this recording of my appearance on the Nomad Together Podcast! This show originally appeared on September 8, 2016 right here: https://nomadtogether.com/financial/ Joshua

I have a special treat for you today. If you had the chance to sit down with the former President and CEO of Lehman Brothers and talk about his career and money, would you take that chance? Well, I did. And today I share it with you! I sat down with my friend Andy Sage here at his home in Palm Beach with the microphones fired up for a discussion about his career in the business world, retirement, banking, and much more. Enjoy! Joshua Find a great financial advisor with Paladin: www.radicalpersonalfinance.com/paladin Get a free 34-day trial of the awesome YNAB budgeting software: www.radicalpersonalfinance.com/YNAB Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

I love to learn from people who have experienced great success in their lives. But sometimes, you can learn more from failure than success! Today, I've invited a new friend of mine on the show to learn what she learned from her massive failures in the past! She and her husband were on the fast track toward wealth and financial freedom; they owned a ton of real estate and a thriving business. And then they lost it all. Listen to the episode for the gripping account of what that was really like! Joshua Support RPF on Patreon! www.RadicalPersonalFinance.com/patron Build Your Budget Right with YNAB! www.radicalpersonalfinance.com/YNAB Use Personal Capital as your financial dashboard! www.radicalpersonalfinance.com/PersonalCapital 

My guests today are Joel and Alexis. I met them while hanging out at Camp Mustache SE in Gainesville and was intrigued by their story! They went from being a fairly typical young couple with a small savings rate to being radical Mustachians, on track to retire in the next few years! Enjoy learning how they worked through the problems and challenges to make this change! Joshua Find a great financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans with SoFi and save on the interest! www.radicalpersonalfinance.com/sofi Please support me on Patreon! www.radicalpersonalfinance.com/patron PLEASE TAKE MY QUICK SURVEY! www.radicalpersonalfinance.com/SURVEY Joel and Alexis's brand new website! http://fi180.com/  

Car leasing is the most expensive way to operate a vehicle. Car leasing is the cheapest way to operate a new vehicle. Both of those statements are true. In today's show I explain why! And I explain how to get out of a lease if you have one. Joshua Time stamps (courtesy of a listener): 0:00 Intro 1:50 Sponsors 4:55 Auto leasing is the cheapest AND most expensive 7:42 “Depreciation” explained 13:38 How does leasing a car work? 16:58 The major problem with leasing, and who leasing is great for 24:26 How to get out of a lease Book a consulting call with me: www.radicalpersonalfinance.com/phonecall Support me on Patreon: www.radicalpersonalfinance.com/patron https://www.edmunds.com/car-buying/how-fast-does-my-new-car-lose-value-infographic.html http://www.clark.com/new-car-leasing-101 http://www.swapalease.com/ http://www.leasetrader.com/

Quick on-the-road show today to share listeners' suggestions, additional information, feedback, and questions. Joshua Timestamps: (thanks to the hard work of a listener!) 0:00 Intro 6:00 Joe recommends a “relationships” budget category, separate from “giving”. (Episode 408) 12:08 Rio asks how to separate personal and business budgets. (Episode 408) 14:36 Guy asks about budgeting for taxes. Should one start the budget using gross or net income? (Episode 408) 18:13 Artem comments about donating a body to science as being different from organ donation. (Episode 409) 20:03 Ross comments that funerals should also be considered a means of closure for the living. (Episode 409) 21:34 Hannah offers insight into the credit score that CreditKarma.com utilizes in its calculations. (Episode 411) 24:35 Guy asks if freezing you credit negates the need for ID protection/insurance services. (Episode 411) 26:38 Kevin offers up a tip of the day. (Episode 411) 27:13 James has concerns about the Personal Capital sponsorship. (Episode 413) 44:24 Advice to podcasters regarding ads, specifically CPA (cost-per-aquisition) vs. CPM (cost-per-thousand).

On Fridays I host a live Q&A show! This show is open for Patrons to call in and talk with me about anything they want to. If you'd like to participate in this call, become a Patron! www.radicalpersonalfinance.com/patron Today we tackle two questions: Should I Follow Dave Ramsey's Baby Steps and Pay off My House Early? I Had an Unexpected Child...Should I Finish Graduate School or Drop Out to Be a Mom? Enjoy! Joshua Start your year off right with a budget with YNAB: www.radicalpersonalfinance.com/YNAB Monitor all your investment accounts for free with Personal Capital! www.radicalpersonalfinance.com/PersonalCapital

My guest today is a man named Bill. We met at Camp Mustache SE this past weekend. As soon as I heard a little bit of Bill's story, I knew I needed to get him on the show for you! Bill is a really neat guy. He enjoyed a very fun and adventurous career wherein he primarily worked for himself. And then he retired early. He's a man filled with wisdom. You'll really enjoy this interview. Joshua Support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron Find a new financial advisor here: www.radicalpersonalfinance.com/paladin Refinance your loans at SoFi! www.radicalpersonalfinance.com/sofi

Today I have a simple--but profoundly important--concept for you to consider and embrace: your personal safety. There are small safety decisions that you can make that have a huge potential impact for you, both monetary impact and personal impact. Enjoy! Joshua Radical Personal Finance is supported directly by you! www.radicalpersonalfinance.com/patron Try a free 34-day trial of the awesome YNAB budgeting software: www.radicalpersonalfinance.com/YNAB Please take my quick demographic survey! www.radicalpersonalfinance.com/survey

I always keep my eyes out for interesting and unusual lifestyle stories. Last week when I was researching cheap coffin plans, I came across the $5 DIY coffin plans at PiedmontPineCoffins.com. Upon further reading I became aware that Don and his family live entirely off-grid and that he creates his coffins entirely by hand! Sounded like a fun story so I invited him on! Enjoy, Joshua Find an awesome financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans (or get a new one) at www.radicalpersonalfinance.com/SoFi Sign up to support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

This past weekend I had the privilege of addressing the very fun crowd of hardcore Mustachians gathered in Gainesville, FL for Camp Mustache SE 2017. (Mustachian = acolyte of the Mr. Money Mustache blog and personal lifestyle and financial philosophy.) I was invited to give a presentation and I chose for my topic, "Why Wait Until You're F.I. to Live Like You're F.I.?" This addresses a theme I often see among the hardcore early retirement crowd. The idea is this: "My life stinks right now but it'll all be great after F.I." But, is that the best way to approach it? Why not recognize that life can be great now and after F.I.? Enjoy! Joshua Please take my 20-second demographic survey! www.radicalpersonalfinance.com/survey Refinance your loans with SoFi and save money! www.radicalpersonalfinance.com/sofi Personal Capital is the world's best financial dashboard. And it's free! www.radicalpersonalfinance.com/personalcapital Support RPF on Patreon! www.radicalpersonalfinance.com/patreon  

On Fridays we do a live Q&A show! If you'd like to join me on the next one, sign up to support the show as a patron! www.radicalpersonalfinance.com/patron Today we cover: How Can I Gain Enough Experience to Use my CFP Designation? Can I Unwind My Parents Reverse Mortgage? How Do I Engage In A Meaningful Goal-Setting Process After a Layoff? Enjoy! Joshua Take my 20-second demographic survey at www.radicalpersonalfinance.com/survey Find a great financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans at an awesome great rate at www.radicalpersonalfinance.com/sofi