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

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT


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


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 MDT

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 MDT

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 MDT

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


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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

“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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

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 MDT

Today:

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

Joshua

Direct download: RPF0510-Biggest_Expenses.mp3
Category:podcast -- posted at: 9:19am MDT

You need to know.

Joshua

Direct download: RPF0509-Daily_Expenses.mp3
Category:podcast -- posted at: 3:10pm MDT

Today we cover the three basic methods to save money:

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

Any one of these strategies is useful. But the real power comes when you implement all three of them.

Listen to the show to understand why!

Joshua

Direct download: RPF0508-Three_Ways_to_Save_Money.mp3
Category:podcast -- posted at: 12:26pm MDT

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

Direct download: RPF0507-Friday_QA.mp3
Category:podcast -- posted at: 12:41pm MDT

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

Direct download: RPF0506-End_of_Year.mp3
Category:podcast -- posted at: 4:11pm MDT

(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?

Direct download: 2017-12-19-Joshua_on_Complete_Privacy_and_Security_Podcast_.mp3
Category:podcast -- posted at: 7:28am MDT

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

Direct download: RPF0505-50_Podcasting_Lessons.mp3
Category:podcast -- posted at: 1:18pm MDT

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

Joshua

Direct download: RPF0504-Stretch_IRAs.mp3
Category:podcast -- posted at: 1:47pm MDT

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/

Direct download: RPF0121-Last_Minute_Tax_Planning-re-release-12-08-17.mp3
Category:podcast -- posted at: 2:46pm MDT

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

Direct download: RPF0503-Tools_for_Fighting_With_Creditors.mp3
Category:podcast -- posted at: 11:29am MDT

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

Direct download: E323_money.mp3
Category:podcast -- posted at: 5:49am MDT

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

Direct download: RPF0502-FI_in_10_Years-RV_Mechanic.mp3
Category:podcast -- posted at: 2:41pm MDT

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

Direct download: RPF0501-Protect_From_Sexual_Scandal.mp3
Category:podcast -- posted at: 3:42pm MDT

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/

Direct download: PTM037_Joshua_Sheats.mp3
Category:podcast -- posted at: 9:12am MDT

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

Direct download: RPF0500-A_Community_Celebration.mp3
Category:podcast -- posted at: 10:27am MDT

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

Direct download: RPF0499-Living_in_Your_Car_and_Loving_It.mp3
Category:podcast -- posted at: 8:34am MDT

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
Direct download: RPF0498-How_to_Eat_Super_Cheap.mp3
Category:podcast -- posted at: 12:35pm MDT

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

Direct download: RPF0497-Prioritize_Life_Not_Money.mp3
Category:podcast -- posted at: 1:56pm MDT

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

Details in the show.

Joshua

Direct download: RPF0496-The_Risk_of_Paying_Off_Debt_Too_Fast.mp3
Category:podcast -- posted at: 2:55pm MDT

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