Radical Personal Finance
The Financial Advisor Who Can't Retire: Interview with Paul Merriman RPF0128

My guest today is Paul Merriman. I was introduced to Paul by a couple of listeners who requested I bring him on the show. I'm glad they did!

Paul is an experienced financial advisor. But, he did that as a retirement hobby rather than as a wealth-building strategy.

To build his wealth, Paul took over, built, and then sold a manufacturing company. After retiring in 1982, he proceeded to build Merriman, a Seattle-based investment advisory firm. 

He grew the firm from nothing to $1.6B of assets under management and then sold it and retired to run his financial education site: www.paulmerriman.com.

Topics on this interview include:

  • The role of goals and affirmations on Paul's journey
  • What it was like to build an advisory firm in the 1980s
  • What Paul's retirement schedule looks like

Enjoy the show!

Joshua

Links:

 

Direct download: RPF0128-Paul_Merriman_Interview.mp3
Category:podcast -- posted at: 5:51am MST

Money Advice For Teens: Interview with Eva From Teens Got Cents RPF0127

Today, I bring you an interview with a dynamo: Eva from TeensGotCents.com.

I met Eva in New Orleans at the FinCon conference. She was attending with her mother and I was incredibly impressed with her.

Eva writes about about personal finance for a teen audience. She began at the age of 15 and she shares her own journey and also gives advice for other young people.

In the interview, we weave two themes:

  1. Eva's advice for teens
  2. Eva's own experience/example as a financial blogger

Both of these themes are valuable. Frankly, I'm a bit jealous of Eva's early start in writing about the topics of personal finance. I wish I'd had the foresight to begin at her age.

Listen carefully to the story of her site and consider how you can help your children--or yourself--to start something similar. It's a really neat story.

Other topics include:

  • Budgeting basics for teens
  • The envelope system
  • The value of attending professional conferences--especially for young people
  • How to teach teens to get jobs

Enjoy!

Joshua

Links:

Direct download: RPF0127-Eva_Teens_Got_Cents.mp3
Category:podcast -- posted at: 4:59am MST

Personal finance touches every aspect of life by definition. Every aspect of our life involves finance in some way.

As we make the decisions of life, we're constantly faced with cost and opportunity cost:

  • Is it wise of me to allocate this $100 to a memorable evening's entertainment with my family or to set it aside toward a larger vacation fund?
  • Should I use some extra money to upgrade the look and style of my wardrobe or purchase some extra books or classes to advance my knowledge?
  • Am I better served by investing my money into ownership of publicly traded securities through my 401(k) account or will I get a higher return on my investment by improving the insulation of my house and upgrading my windows to an energy efficient version.

These are ultimately the decisions we face. Culturally, we usually separate these areas of life into different decisions. But we shouldn't. Each of them (and many thousands of additional options) impacts the other. 

We're far better off if we view our life as a web of integrated decisions and we should be able to flow seamlessly among our different options.

My guest today does just that.

Jeff and his wife are raising a young family and are working toward financial independence together. Their personal interest in sustainability and green living has naturaly integrated with their financial planning. DIY activities and home improvement have had benefits in both areas.

Enjoy today's show! 

Joshua

Links:

 

 

Direct download: RPF0126-Jeff_Sustainable_Life_Interview.mp3
Category:podcast -- posted at: 5:59am MST

Establishing Rites of Passage to Ease the Transition to Adulthood: Interview with Dr. Vern Poythress RPF0125

My guest today is Dr. Vern Poythress. Dr. Poythress is a mathematician and a theologian. Most important for this discussion, he and his wife, Diane, are parents to two children, both boys.

Dr. Poythress authored an article entitled "How I Helped My Boys to Become Christian Men," in which he outlined his family's approach to establishing a formal rite of passage for his sons to become men at 12 or 13 years old.

His formal test and qualifications for them included religious training, knowledge, and behavior, specific acts of service to others, and specific areas of wisdom needed in an adult life.

Much of this conversation is built on the Judeo-Christian tradition and Dr. Poythress outlines much of his curriculum from a religious perspective.

It's key to recognize, however, that most cultures have a rite of passage for young men and women; these ceremonies vary and many are cultural, not religious. For example, toward the end of the interview we discuss the tradition of the debutante ball, a "coming-out" party for young women.

If this concept interests you, consider designing your own curriculum based on your family's vision and values. Certainly, anything you intentionally design will be better than the negative rites of passage we currently promulgate in our culture.

Enjoy!

Joshua

Links:

Direct download: RPF0125-Vern_Poythress_Interview.mp3
Category:podcast -- posted at: 5:31am MST

Designing Human Habitats for an Abundant Lifestyle: Interview With Ben Falk, Permaculture Designer and Founder of Whole Systems Design RPF0124

My guest today is Ben Falk. Ben is a really incredible permaculture designer with a comprehensive focus.

Ben runs a planning firm called Whole Systems Design. Through this firm, he "identifies, designs, and develops human habitats - landscape and infrastructure systems - that yield perennial abundance and enduring value. These are adaptive, resilient and secure places in a future of peak oil, climate instability, and deepening economic insolvency."

They also "plan, develop, and manage land-based wealth preservation and security projects for those with the forethought to invest an abundance of present day resources to reduce their familly's vulnerability to future food, energy and other supply-chain disturbances, as well as peak-oil, climatic, economic and other events."

The interview covers a variety of topics, including:

  • Ben's path from architecture to comprehensive design.
  • How to approach personal lifestyle design from a systems mindset.
  • How to prioritize needs and investment.
  • How he heats his house, heats his water, cooks his food, and dries his clothes in Vermont with a very small amount of wood.
  • How he grows 80 to 90% of his food intake.

My favorite quote from the interview: "Don't fight something that's wrong. Make a new system that makes the old system obsolete."

Enjoy!

Joshua

Links:

Direct download: RPF0124-Ben_Falk_Interview.mp3
Category:podcast -- posted at: 4:54am MST

On Fridays, I answer your questions! I decided I didn't want to handle any of the in-depth, math-related questions today so I chose these three questions to handle.

  • 1:41 - What can I do to prepare for being the executor of someone's estate?
  • 16:49 - How can I reconcile the idea of being a specialist in my field with the advantages of being a generalist?
  • 48:09 - What can I do to ensure a smoothe transition to a single-income household?

I hope you enjoy the show!

Joshua

Links:

Direct download: RPF0123-Friday_QandA.mp3
Category:podcast -- posted at: 12:55pm MST

Today, we welcome Jim Rawles, Founder and Editor of SurvivalBlog.com back on the show to discuss improving your lifestyle and personal resilience by moving.

We talk about optimizing your lifestyle within the United States by carefully selecting your location as well as the pros and cons of international expatriation.

Topics include:

  • Ideas for playing the "State Line Jumping Game" (living in a no-income-tax state and shopping next door in no-sales-tax state).
  • Brief mention of the "Five Flags Theory." In essence, the idea is that you can arrange your affairs over five different countries:
    • Flag 1: Business Base-These are places where you make your money. They must be different from your personal fiscal domicile, the place where you legally reside.
    • Flag 2: Passport & Citizenship-These should be from a country unconcerned about offshore citizens and what they do outside its borders.
    • Flag 3: Domicile-This should be a tax haven with good communications. A place where wealthy, productive people can be creative, live, relax, prosper and enjoy themselves. Such a place should not be threatened by war or revolution and preferably should enjoy good levels of banking secrecy.
    • Flag 4: Asset Repository-This should be a place from which assets, securities and business affairs can be managed anonymously by proxy.
    • Flag 5: Playgrounds-These are places where you would actually physically spend your time.
  • Jim's idea for "The American Redoubt"
  • The Free State Project and Free State Wyoming
  • Estimate your own tax savings with SaveTaxesByMoving.com
  • Considerations for international expatriation:
    • taxation, language skills, friendly to foreigners, strength of the economy, crime rate, climate and lifestyle, gun laws, homeschooling laws. etc/
  • Discussion of Finland, the Philippines, Swizerland, New Zealand, Belize, Costa Rica, Panama, Chile, Argentina, Paraguay, Uraguay
  • For more information check out the Sovereign Society and International Living
  • For a Second Passport opportunity, consider St. Kitts and Nevitts
  • Check out Jim's novel: Expatriates

Enjoy!

Joshua

Direct download: RPF0122-Rawles_on_GeoArbitrage.mp3
Category:podcast -- posted at: 1:57pm MST

Today on the show, I've got some last-minute tax planning ideas for you. These are all ideas and tactics that you can use in the last two weeks of 2014 to lower your income tax bill.

I hope you don't defer your tax planning to the end of December. The end of the year is far too late to start talking about the really good stuff. Good tax planning should begin before January 1.

But, these types of ideas can still be useful for you. It's possible that you've simply been too busy to do effective planning.

It's also possible you had an unexpected windfall and you need to wipe out some tax liability.

I'm here to help! :)

Let's start with the easy ones and move to the harder ones:

  • Last-minute retirement account contributions.
    • 401(k)s and 403(b)s are tough becausec you have to have made your contributions as you go. Consider talking to HR about diverting a bonus check into the account if you can.
    • IRAs are simple. You can contribute any time until you file your return. You can contribute up to $5,500 in 2014. Don't forget about the $1,000 catch up if you're older than 50.
    • Almost everyone I've ever worked with is confused by the contribution limits. Read them for Roth IRAs and Traditional IRAs.
    • Little tricks for IRAs: You can make a separate payment for custodian fees, brokerage commissions, etc. in excess of the contribution limit. That will allow you to get the maximum value from the account.
    • Consider establishing a an HR10/Keogh Plan or a SEP IRA.
      • Keogh plans were very popular for self-employed people prior to 2001. There was a tax law change in 2001 and now they're largely replaced by SEP IRAs.
      • They have the same contribution limits but the SEP paperwork is much simpler.
      • A Keogh plan has to be established by the end of the year but it can be funded prior to filing your return.
      • A SEP IRA can be established after the end of the year and funded after the end of the year. 
      • The maximum contribution is the lesser of 20 percent of earned income, less your deduction for half your self-employed payroll tax, before the deduction, or $52,000. (This winds up being 25% of net earned income after the deduction.)
      • Remember that you can have one of these plans in addition to a 401(k) and an IRA.
    • Don't forget about the HSA. If you're covered by a HDHP, you can make your HSA contributions any time up till you file your return. Your contribution limits are $3,300 for an individual and $6,550 for a family. Remember also that there's a $1,000 catch-up contribution for 55+. This won't save you on your employment taxes but it will save you on your income taxes.
    • One final little trick on IRAs. Look to see if you'll be eligible for a saver's credit. If you're at a low income level, this might help you...even if you can't afford to save for retirement. If you need to and you want to be aggressive, you can contribute to your Roth in December, take the savers credit on your return, and then take the distribution in January. (You'll owe tax on any gain but not on the contributions/basis.)
  • Consider deferring your income in other ways.
    • You can enter into a binding agreement until January to defer the grant of a bonus that you would otherwise receive in December. You need to enter into the agreement before the bonus is "constructively received."
    • The easy way to defer your income is if you are in business for yourself is to simply delay billing your clients until late December. You won't receive payment until the following year. Thus, no taxes in this year.
    • Remember that this only works if you are a cash basis tax payer. If you are an accrual basis taxpayer in your business, you have to report the income when it is earned, not when it is received.
    • If you have income from the sale of property, consider using an installment sale to defer income to a different tax year.
    • Consider accelerating your expenses to lower your net income.
    • In business, you can think through any end-of-year transactions you need to pay: accounts payable, conference fees, insurance premiums, marketing and advertising expenses, etc.
    • Remember that you have to follow the 12-month rule.
    • Consider buying equipment. In general, equipment will primarily be depreciated rather than expensed. But remember that you can make a Section 179 elect to expense up to $500,000 and then take your depreciation after that.
    • Consider bunching certain expenses such as medical expenses. If you've had a lot of medical expenses this year, consider going ahead and getting your dental expenses and eye expenses taken care of and pay forward the annual premium on your LTC insurance. That may result in enough deductions to take advantage of the medical expense deduction.
    • Consider accelerating your tax payments: real estate taxes, personal property taxes, and state and local income taxes. Pay them now to take the deduction. (Be careful of AMT.)
    • Consider making your charitable contributions and make sure to bunch them in years that you can fully use them.
    • If you're making charitable contributions, be smart about how you do it, especially with regard to your taxes. Don't only think in terms of cash.
      • If you have appreciated property that you've held over 12 months, contribute it to the charity and take a deduction for the FMV. (Avoids the tax on the gain.)
      • If you have loss property, sell it, take the tax loss and give the cash.
    • You can take deductions for items paid by check in the current year even if you mail the check on New Year's Eve, as long as there is no reason why the check can't be cashed in January.
    • Credit card charges can be taken this year even if you don't pay the bill until next year.
  • Think through the tax ramifications of your relationships.
    • If you're planning an end of the year or New Year's day wedding, calculate your taxes and see when you should actually schedule the marriage. Doesn't have to be the same day necessarily as the wedding itself.
    • In general, marriage will only cut your taxes if one spouse works or earns almost all the income. Marriage will actually boost your taxes if both spouses work and earn good income.
    • Dependents: Most people think purely about kids. There might be a planning scenario involving them. For example, if you're having a planned C-section and the safe zone covers new years, have it on 12/31. Or, if you're adopting, try to get it finalized before the end of the year.
    • But, the major benefit for some of you might be if you're caring for parents. There are a bunch of detailed rules. The one I want you to focus on is if you're providing more than half of a dependent's support. Doesn't mean income...it means support. Might be worth it to bunch some of your support here at the end of the year so that you can claim them as a dependent.
  • Make sure you harvest your tax losses but also that you harvest some gains. Ratcheting up your basis in your investment portfolio over time can really save money in the long run.
Direct download: RPF0121-Last_Minute_Tax_Planning.mp3
Category:podcast -- posted at: 3:33pm MST

Is education something that we buy or something that we work for? Ever thought about that?

My guest today is Scott Young. I first heard of Scott when I watched his TEDx talk on "How to Get an MIT education for $2,000."

This interview is filled with tidbits that will be useful to you whether you're designing your own education or whether you're helping someone else with their educational plan.

Enjoy!

Joshua

Links:

Direct download: RPF0120-Scott_Young_Interview.mp3
Category:podcast -- posted at: 6:44pm MST

I love real estate investing. I think it's one of the most accessible, realistic ways for people to grow their long-term wealth at an excellent rate of return.

Today, I'm thrilled to bring you an interview with John Schaub. John is widely renowned as one of the good guys.

John has been investing in real estate for decades. He's also been teaching the subject for decades.

He has a wealth of ideas and knowledge to share with us today.

Enjoy!

Joshua

Links:

Direct download: RPF0119-Schaub_Interview.mp3
Category:podcast -- posted at: 8:10pm MST

Today, we have a really fun Q&A for you! I hope you enjoy!

Here are the questions I answer:

  • 2:25 If I have the cash, should I pay cash for a house or invest it?
  • 17:13 Should I use my Coverdell ESA to speculate on early-stage biotech stocks?
  • 28:05 Should a physician try to continue a private practice with a partial ownership interest or take a full-time hospital job?
  • 40:38 How can I account for the business deductions in my side business?
  • 49:40 Is multi-family, multi-generational living a good idea?
  • 1:03:40 What do I need to know about disability income insurance?
  • 1:26:03 Which college expenses can I pay for out of my 529 account?
  • 1:33:27 Why do I use different inflation rates on calculations?
  • 1:39:26 What kind of account can I use to gift money to my nephew?

Enjoy!

Joshua

Links:

Direct download: RPF0118-Friday_QandA.mp3
Category:podcast -- posted at: 5:34pm MST

Today, I have a really great interview on finance from a Canadian Perspective. But make sure to listen whether you're Canadian or not.

My guest is Dan Bortolotti, founder of the Canadian Couch Potato website. He has a really great story where he began as a personal finance writer and blogger and later moved into the space of being a professional financial advisor.

We chat about:

  • The value of a paying fees to a financial advisor
  • The fit between PF writer and advisor
  • Canadian tax law and retirement accounts
  • Indexing from a Canadian perspective and similarities to the US market
  • Home country bias
  • And more!

Enjoy!

Joshua

Links:

Direct download: RPF0117-Canadian_Couch_Potato.mp3
Category:podcast -- posted at: 2:23pm MST

The new year is fast upon us. Even though we're in the midst of the busy holiday season, this is a convenient time to consider the success and failures of this year and look forward to plans for next year.

Even though the articles you're now seeing in your feeds on "10 End-Of-The-Year Planning Ideas" can be useful, they just don't get it done because they're not focused on the core need.

The fundamental key of financial planning is to understand the process. Building wealth is a process. Achieving goals is a process. It's simple and can be readily replicated if you understand it.

It starts with a clear desired outcome. A.K.A. a goal. Or objective.

Then, it's a matter of laying out a strategy that is likely to work. And that strategy is connected with specific action steps.

And then you simply repeat the cycle over and over and over again.

Enjoy the show. I hope that it's useful for you!

Joshua

p.s., this might be a great show to share with others. Let me know if it's helpful.

Potential Journaling Prompts:

Simple Goals:
What are 10 goals you'd like to accomplish during 2015?
 
What I Want list
Make a list of 30 things you want to do, 30 things you want to have, and 30 things you want to be before you die.
 
Ideal Day
Think through what a perfect day would look like for you. Describe it (in writing) with as much detail as possible. Where are you, what does it look like, who are you with, what do you do, etc.
 
Strategic Coach Questions
1. If we were meeting three years from today, what has to have happened during that three-year period for you to feel happy about your progress? (Personally, Professionally, Financially and any other category you want to think about.)
 
2. What are the biggest dangers you'll have to face and deal with in order to achieve that progress?
 
3. What are the biggest opportunities that you have that you would need to focus on and capture to achieve those things?
 
4. What strengths will you need to reinforce and maximize, and what skills and resources will you need to develop that you don't currently have in order to capture those opportunities?
 
Visioning Exercise (excerpted from Jack Canfield's "Success Principles" book
This is an exercise that is designed to help you clarify your vision. Although you could do this as a strictly mental exercise by just thinking about the answers and writing them down, I want to encourage you to go deeper than that. If you do, you'll get deeper answers that serve you better.
 
Start by putting on some relaxing music and sitting quietly in a comfortable environment where you won't be disturbed. Then, close our eyes and ask your subconscious mind to give you images of what your ideal life would look like if you could have it exactly the way you want it, in each of the following categories.
 
1. First, focus on the financial area of your life. What is your annual income? What does your cash flow look like? How much money do you have in savings and investments? What is your total net worth?
 
Next...what does your home look like? Where is it located? Does it have a view? What kind of yard and landscaping does it have? Is there a pool or a stable for horses? What color are the walls? What does the furniture look like? Are there paintings hanging in the rooms? What do they look like? Walk through your perfect house, filling in all of the details.
 
At this point, don't worry about how you'll get that house. Don't sabotage yourself by saying, "I can't live in Malibu because I don't make enough money." Once you give your mind’s eye the picture, your mind will solve the “not enough money” challenge.  
 
Next visualize what kind of car you are driving and any other important possessions your finances have provided.
 
2. Next, visualize your ideal job or career.  Where are you working?  What are you doing? With whom are you working? What kind of clients or customers do you have? What is your compensation like?  Is it your own business?
 
3. Then, focus on your free time, your recreation time.  What are you doing with your family and friends in the free time you’ve created for yourself?  What hobbies are you pursuing?  What kinds of vacations do you take?  What do you do for fun?
 
4. Next, what is your ideal vision of your body and your physical health?  Are you free of all disease?  How long do you live to?  Are you open, relaxed, in an ecstatic state of bliss all day long?  Are you full of vitality?  Are you flexible as well as strong?  Do you exercise, eat good food, and drink lots of water?
 
5. Then move on to your ideal vision of your relationships with your friends and family.  What is your relationship with your family like?  Who are your friends? What is the quality of your relationships with your friends?  What do those friendships feel like?  Are they loving, supportive, empowering?  What kinds of things do you do together?
 
6. What about the personal arena of your life?  Do you see yourself going back to school, getting training, attending workshops, seeking therapy for a past hurt, or growing spiritually?  Do you meditate or go on spiritual retreats with your church?  Do you want to learn to play and instrument or write your autobiography?  Do you want to run a marathon or take an art class?  Do you want to travel to other countries?
 
7. Finally, focus on the community you live in, the community you’ve chosen.  What does it look like when it is operating perfectly?  What kinds of community activities take place there?  What about your charitable work?  What do you do to help others and make a difference?  How often do you participate in these activities?  Who are you helping?
 
You can write down your answers as you go, or you can do the whole exercise first and then open your eyes and write them down. In either case, make sure you capture everything in writing as soon as you complete the exercise.
Direct download: RPF0116-Achieving_2015_Goals.mp3
Category:podcast -- posted at: 10:29am MST

Financial Planning is--and should be--fully integrated with every aspect of life. Often, there are non-financial ways of hitting financial goals that are more efficient than just simply "buying the solution."

Helping your children develop their talent is one such area of focus. If you can launch a young man or woman with real, useful skills that have an economic value in the marketplace and which are aligned with their individual personality and interests, they will be far ahead of many of their peers.

This early start can launch the magical cycle of compounding earlier which can have a lifetime impact. 

Consider the impact of an early start:

  • If a 16-year-old can learn to earn and invest $100 per month through developing and marketing their talent, they could accumulate a nest egg at 66 of $1,746,876.07. (50 years of investing, $100/mo each month, 10% interest compounded monthly, starting with $0.)
  • If a 22-year-old begins when they graduate college, they will wind up with $955,649.56 at age 66. (44 years of investing, $100/mo each month, 10% interest compounded monthly, starting with $0) 

My guest is Jonathan Harris and he writes at the website www.10kToTalent.com. He is the father of 8 children and is a both a learner and an expert at developing talent in children.

Enjoy the interview!

Joshua

Links:

 

Direct download: RPF0115-Jonathan_Harris_Interview.mp3
Category:podcast -- posted at: 11:43am MST

Doug Nordman is a really neat guy who has made an incredible contribution to the Early Retirement (ER) community. Known affectionately in various forums as "Nords," he contributes a rational, learned perspective on financial topics.

He and his wife both retired from the US Navy. Doug was 41 and has somehow managed to stay retired for the last decade. ;)

Join us today for a really neat discussion of the history of the early retirement movement and some of the contributions from its early leaders.

(It's not all fun and games...we do get into some technical details on early retirement as well!)

Joshua

Links:

Direct download: RPF0114-Nords_Interview.mp3
Category:podcast -- posted at: 2:36pm MST

It's Friday! That means a Q&A show for you. Today, I answer all of these questions.

Here are the questions and the time stamp for where each can be found in the episode.

Enjoy!

Joshua

  1. 10:00 - Brandon: How do I convey our financial information to my executor if my wife and I die? Should I have my testamantery trust managed by a professional trustee?
  2. 29:43 - Kyle: How do I save money on taxes as a young, single physician resident?
  3. 54:01 - Daniel: Is it ok for a young person to have a 100% stock allocation?
  4. 1:02:44 - Greg: I have $2.5M, can I afford to retire?
  5. 1:10:44 - John: How do I find a good team of advisors?
  6. 1:28:00 - Tom: Could I take a loss on a house I transfer into an ESA and then get the gain out tax-free?

Links:

 

Direct download: RPF0113-FridayQandA.mp3
Category:podcast -- posted at: 4:24pm MST

In today's world, it's easy to find reasons for pessimism. And yet, we truly live in a time of greater abundance and quality of life than ever before.

Join me today as I share some reasons for being thankful and grateful to be alive today. It's a good time to be alive.

Joshua

Links:

 

Direct download: RPF0112-Reasons_for_Optimism.mp3
Category:podcast -- posted at: 2:40pm MST

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

Today we have a really fun interview with Steve Maxwell.

Steve is the father of eight and his three oldest sons have all purchased their houses debt-free, in their 20s, and before marriage! His younger two sons have the same vision and are on track for a similar result.

How cool is that?!

Steve is an electrical engineer by training. He left his engineering job however and now spends his time writing books and traveling the country speaking and encouraging others with his ministry organization, Titus 2.

Enjoy!

Joshua

Links:

Direct download: RPF0111-Steve_Maxwell_Interview.mp3
Category:podcast -- posted at: 3:08pm MST

Today, I have a really great show for you with Christopher DeLaney. Christopher and his wife have two little kids and they maintain a modern lifestyle without a car! Impressive!

Christopher is gentle, unassuming, knowledgeable, and very helpful!

Enjoy this interview!

Joshua

Links:

Direct download: RPF0110-Christopher_DeLaney.mp3
Category:podcast -- posted at: 12:52pm MST

Well, it took a few days longer than I planned because of the fact that its 600 incredibly dense pages, but today I share with you my review and critique of Tony Robbins' new book.

This was a very challenging project for me and frankly, it simply bogged me down in research.

It's really a great book. Highly recommened. But, it also has some things I'm not imporessed with and some minor and major flaws.

The show is long and in depth and my comments are organized around these themes:

  • Intro & Preamble
  • Summary of the general layout of the book (16:40)
  • Things this book does really well
  • Major Lessons I Learned (1:52:23)
  • Minor and Major Flaws in the book (2:02:00)

I hope you enjoy!

Joshua

Links:

Direct download: RPF0109-Robbins_Book.mp3
Category:podcast -- posted at: 8:27pm MST

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