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

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.


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?



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!


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.



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


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


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

You need to know.


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!


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


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,


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/



Motherboard Guide to Not Getting Hacked

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!

No Offense/Defense this week.

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