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

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

 

Direct download: RPF0603-Friday_QA.mp3
Category:podcast -- posted at: 3:17pm MST

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

Direct download: RPF0602-The_Morality_and_Legality_of_Asset_Protection.mp3
Category:podcast -- posted at: 12:45pm MST

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

 

Direct download: 601-Asset_Protection_Planning_for_Mere_Mortals_-_Part_1.mp3
Category:podcast -- posted at: 1:26pm MST

Here's the complete answer that you need to know if you should pay off debt or invest.

Direct download: RPF0600-A_Complete_Answer_to_Whether_You_Should_Pay_off_Debt_or_Invest.mp3
Category:podcast -- posted at: 2:24pm MST

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

Direct download: Underground_History_Lesson_With_John_Taylor_Gatto_2of2.mp3
Category:podcast -- posted at: 12:00pm MST

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

 

Direct download: Underground_History_Lesson_With_John_Taylor_Gatto_1of2.mp3
Category:general -- posted at: 12:00pm MST

Direct download: A_Short_Angry_History_of_Modern_Schooling_by_John_Taylor_Gatto.mp3
Category:general -- posted at: 2:46pm MST

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.

Direct download: RPF0598-I_Quit_I_Think_by_John_Taylor_Gatto.mp3
Category:podcast -- posted at: 2:19pm MST

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:

  1. 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.
  2. How a personal finance aficionado can make a move towards working as a financial advisor without sacrificing their integrity.

Enjoy!

Joshua


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

Direct download: 596-Building_a_Life_Well_Lived-Observations_on_Turning_82.mp3
Category:podcast -- posted at: 11:26am MST

I missed several of my students' questions on the previous credit card Q&A show. So today, I wrap them up. Enjoy!

Joshua


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
Direct download: 594-Friday_QA.mp3
Category:podcast -- posted at: 1:26pm MST

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

Direct download: 593-Lifestyles_of_the_Frugal_and_Obscure.mp3
Category:podcast -- posted at: 12:41pm MST

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

Direct download: RPF0592-Widowed_With_12_Children_and_No_Life_Insurance.mp3
Category:podcast -- posted at: 2:20pm MST

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

Direct download: 591-Friday_QA-Credit_Card_Edition.mp3
Category:podcast -- posted at: 2:32pm MST

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

Direct download: 590-Who_Should_Never_Have_a_Credit_Card.mp3
Category:general -- posted at: 10:00am MST

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

Direct download: 589-How_to_Manage_Cash_While_You_Pay_Off_Your_Credit_Cards.mp3
Category:podcast -- posted at: 10:00am MST

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

 

Direct download: 587-Credit_Card_Debt_Is_A_Very_Safe_Form_of_Debt.mp3
Category:podcast -- posted at: 11:24am MST

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?
Direct download: 586-Credit_Card_Friday_QA.mp3
Category:podcast -- posted at: 2:23pm MST

Direct download: 585-Credit_Cards_Are_An_Incredible_Tool.mp3
Category:podcast -- posted at: 2:15pm MST

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

Direct download: RPF0584-When_Hurrican_Katrina_Came_Through_Town.mp3
Category:podcast -- posted at: 4:16pm MST

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?
Direct download: RPF0583-Mega_Friday_QA.mp3
Category:podcast -- posted at: 12:03pm MST

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
Direct download: 582-Friday_QA.mp3
Category:podcast -- posted at: 6:43pm MST

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


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


Articles referenced:

Direct download: RPF0579-Why_and_How_to_Protect_Your_Garbage_from_Snoopers_and_Thieves.mp3
Category:podcast -- posted at: 5:42pm MST


Direct download: RPF0577-An_Honest_Analysis_of_the_Good_and_Bad_of_Working_From_Home.mp3
Category:podcast -- posted at: 2:59pm MST


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

Direct download: RPF0574-Trading_Your_Way_Through_a_Vacation.mp3
Category:podcast -- posted at: 12:00pm MST

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

Joshua

Direct download: RPF0573-Can_You_Afford_to_Work_9_to_5.mp3
Category:podcast -- posted at: 7:28pm MST

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.
Direct download: RPF0572-Full-Time_RV_Living-A_Mid-Action_Review.mp3
Category:podcast -- posted at: 9:02pm MST

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


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

Direct download: RPF0566-Accidental_Early_Retiree_-_Scott_and_Susan.mp3
Category:podcast -- posted at: 1:01pm MST

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

Direct download: RPF0564-Friday_QA.mp3
Category:podcast -- posted at: 12:45pm MST

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


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

Direct download: RPF0560-Radical_Housing_Ideas_3_of_5-Pay_Attention_to_House-Hacking.mp3
Category:podcast -- posted at: 9:58am MST

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

Direct download: RPF0558-Friday_QA.mp3
Category:podcast -- posted at: 4:20pm MST

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

Direct download: Live_Not_By_Lies_by_Alexander_Solzhenitsyn.mp3
Category:podcast -- posted at: 12:00am MST

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

Joshua

Direct download: RPF0557-You_Have_the_Right_to_be_Financially_Independent-Act_Like_It.mp3
Category:podcast -- posted at: 12:16pm MST

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

Direct download: RPF0556-Friday_QA.mp3
Category:podcast -- posted at: 2:18pm MST

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

Direct download: RPF0555-Good_Cheap_and_Fast-A_Travel_Story.mp3
Category:podcast -- posted at: 9:24am MST

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

Direct download: RPF0554-How_to_Maintain_Financial_Peace_in_the_Midst_of_Turmoil.mp3
Category:podcast -- posted at: 2:00pm MST

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. :)

Direct download: RPF0553-Consider_the_ROI_Youre_Getting_On_Your_Childrens_Education.mp3
Category:podcast -- posted at: 8:17pm MST

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

Direct download: RPF0552-How_to_Achieve_Your_Adventure_Fast.mp3
Category:podcast -- posted at: 9:03am MST

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

Direct download: RPF0551-Friday_QA.mp3
Category:podcast -- posted at: 12:12pm MST

Calculate your daily cost of living. Then analyze it.

Joshua

Direct download: RPF0550-How_Much_Does_It_Cost_You_To_Live_Today.mp3
Category:podcast -- posted at: 2:58pm MST

In life, you'll always find that it's cheaper to feed the meter than to pay the ticket. Be proactive.

Joshua

Direct download: RPF0549-Its_Always_Cheaper_to_Feed_the_Meter_than_to_Pay_the_Ticket.mp3
Category:podcast -- posted at: 1:14pm MST

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

Direct download: RPF0548-Christian_Economics-Interview_with_Gary_North.mp3
Category:podcast -- posted at: 11:32am MST

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

Direct download: RPF0547-How_to_Increase_Your_Income_When_Youve_Lost_Your_Health.mp3
Category:podcast -- posted at: 2:49pm MST

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!)

Joshua

Direct download: RPF0546-QA_on_Careers__Income.mp3
Category:podcast -- posted at: 2:36pm MST

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:


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

Direct download: RPF0544-How_Much_Money_Do_You_Need_to_Earn_To_Live_the_Good_Life.mp3
Category:podcast -- posted at: 12:54pm MST

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

Direct download: RPF0543-How_to_Save_More_Money_Without_Hurting_Your_Lifestyle.mp3
Category:podcast -- posted at: 11:48am MST

I'm back!

More soon,

Joshua

Direct download: 0507_181614-work_you_love_vs_lots_of_income-auphonic.mp3
Category:podcast -- posted at: 4:30pm MST

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


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

Direct download: The_Law_by_Bastiat.mp3
Category:podcast -- posted at: 3:36pm MST

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

Direct download: RPF0540-Is_US_Government_Bankruptcy_a_Sure_Thing_with_David_Stein.mp3
Category:podcast -- posted at: 1:53pm MST

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

Direct download: RPF0539-Friday_QA.mp3
Category:podcast -- posted at: 3:13pm MST

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.

Direct download: MLK-Drum_Major_Instinct_edited.mp3
Category:podcast -- posted at: 10:22am MST

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

Direct download: RPF0538-Making_Sense_of_the_New_CarUsed_Car_Dilemma.mp3
Category:podcast -- posted at: 2:27pm MST

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

Direct download: RPF0537-Friday_QA.mp3
Category:podcast -- posted at: 11:15am MST

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

Direct download: RPF0536-The_Way_to_Wealth_by_Benjamin_Franklin.mp3
Category:podcast -- posted at: 6:50am MST

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

Direct download: RPF0535-Responding_to_Recent_Comments.mp3
Category:podcast -- posted at: 3:04pm MST

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.

Direct download: RPF0534-Friendly_Advice_To_Help_You_Buy_Your_First_AR15_Rifle.mp3
Category:podcast -- posted at: 7:38pm MST

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

Direct download: RPF0533-Friday_QA.mp3
Category:general -- posted at: 1:34pm MST

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

Joshua

Direct download: RPF0532-Spending_Money_to_Save_Money.mp3
Category:podcast -- posted at: 7:35am MST

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.
Direct download: RPF0531-Friday_QA.mp3
Category:podcast -- posted at: 11:37am MST

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


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

Direct download: RPF0529-Friday_QA.mp3
Category:podcast -- posted at: 11:16am MST

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

Direct download: A_Nation_of_Cowards_by_Jeffrey_Snyder.mp3
Category:podcast -- posted at: 2:08pm MST

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


As a--ahem--more practical follow-up to yesterday, here is my advice for a listener on how to buy a used car.

Joshua

Direct download: RPF0527-How_to_Buy_a_Used_Car.mp3
Category:podcast -- posted at: 1:09pm MST

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

Joshua

Direct download: RPF0526-Stupid_Pickup_Truck.mp3
Category:podcast -- posted at: 9:09am MST

“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

Direct download: RPF0525-Living_on_Lentils.mp3
Category:podcast -- posted at: 10:12am MST

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


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

Direct download: RPF0523-Last_Weeks_Fiscal_Catastrophe_and_Your_Response.mp3
Category:podcast -- posted at: 1:56pm MST

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

Direct download: RPF0522-Give_it_Away.mp3
Category:podcast -- posted at: 12:33pm MST

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

Direct download: RPF0521-Our_Full-Timing_Rig.mp3
Category:podcast -- posted at: 11:13am MST

Mrs. RPF and I are excited to announce some of our plans for a nation-wide tour during 2018.

Details in the show!

Joshua

Direct download: RPF0520-2018_Plans.mp3
Category:podcast -- posted at: 1:29pm MST

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

Direct download: RPF0519-How_to_Get_More_Free_Stuff.mp3
Category:podcast -- posted at: 3:42pm MST

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

Direct download: RPF0517-Cooking_on_the_Road.mp3
Category:podcast -- posted at: 1:38pm MST

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

 

Direct download: RPF0517-Isaiahs_Job.mp3
Category:podcast -- posted at: 1:32pm MST

Money is important. But it's not #1.

Joshua

Direct download: RPF0516-Dont_Let_Your_Pursuit_of_Money_Ruin_Your_Life.mp3
Category:podcast -- posted at: 1:12pm MST

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

Direct download: RPF0515-Battling_Social_Sneetchery.mp3
Category:podcast -- posted at: 10:30am MST

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

Direct download: RPF0514-Friday_QA.mp3
Category:podcast -- posted at: 12:55pm MST

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

Direct download: RPF0513-What_Gets_Measured_Gets_Managed.mp3
Category:podcast -- posted at: 8:49am MST

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

Direct download: RPF0512-Price_Book.mp3
Category:podcast -- posted at: 12:13pm MST