Radical Personal Finance

Billionaire Churck Feeney has recently finished giving away his entire $8 billion fortune.

In today's show, we'll talk about whether you should copy him and how you could do it.

Joshua

Direct download: 2020-09-21_How_to_Die_Broke_Like_Billionaire_Chuck_Feeney_Will.mp3
Category:podcast -- posted at: 1:18pm MDT

It's Friday! Today we cover:

  • 00:48 How to get a raise at your job.

  • 11:55 Should I classify a 2nd house as an investment property or a second home?

  • 25:30 Do I get a better deal on my mortgage by classifying a house as a second home?

  • 31:15 How do I solve the tension between Saving money and Giving money?

Enjoy!

Joshua

Direct download: 2020-09-18_Friday_QA.mp3
Category:podcast -- posted at: 1:03pm MDT

Direct download: 2020-09-15_Install_a_Success_Operating_System_in_Your_Children.mp3
Category:podcast -- posted at: 4:24pm MDT

Friday Q&A show! Today we discuss:

  • 00:30 Contractor status or employee status?
  • 31:00 What happens with our money when interest rates go negative?
  • 43:21 Is it really a good idea to have lots of cash on hand?
  • 1:03:30 How should I set up an emergency escape vehicle to get out of California wildfires?
  • 1:17:31 I used a life insurance loan as a down payment for my house; what do I do now?
Direct download: 2020-09-11_Friday_QA.mp3
Category:podcast -- posted at: 3:07pm MDT

In March, things looked really bleak. But the stock market recovered in a spectacular 5 month period.

Did we get it wrong? Do we regret anything we did?

Joshua


All of the news these days on coronavirus is positive. Is this a glimmer of the beginning of the end?

Although we certainly expect many more people to get sick with COVID-19 and some to die, I think it is.

I'll tell you why.

Joshua

Direct download: Great-Coronavirus-News-All-Around.mp3
Category:podcast -- posted at: 12:20pm MDT

All of the news these days on coronavirus is positive. Is this a glimmer of the beginning of the end?

Although we certainly expect many more people to get sick with COVID-19 and some to die, I think it is.

I'll tell you why.

Joshua

Direct download: Great-Coronavirus-News-All-Around.mp3
Category:podcast -- posted at: 12:20pm MDT

What are your goals for your children? What skills and abilities do you want them to have when they leave your home?

My guest, Jonathan Harris, is the father of nine children. His four eldest children have all established themselves as independent adults, building careers on the foundation of their personal talents and passions.

In today's show, we discuss the strategies and tactics that have been helpful for him.

Joshua

www.ParentTheirPassion.com  
www.10ktotalent.com  

Direct download: 2020-08-27_Jonathan_Harris_interview.mp3
Category:podcast -- posted at: 6:19am MDT

Live Friday Q&A today!

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

Enjoy!

Joshua

Direct download: 2020-08-21_Friday_QA.mp3
Category:podcast -- posted at: 2:10pm MDT

It's Friday! Today, we cover:

  • 9:00 How to socialize children when stuck at home?
  • 22:27 How are IRAs Taxed for US citizens who renounce their citizenship?
  • 38:18 How should we set up foreign corporations for US citizens moving abroad?
  • 50:00 How should I go about looking for a financial advisor?
  • 59:09 How can I run a business with total privacy?
  • 1:22:51 Where does media production go from here?
  • 1:35:00 How can a retirement-age couple with $130,000 decide where to put their money?
  • 1:47:21 Should I put my new house into a trust?
  • 1:53:47 Which home security system should I install in my new house?
Direct download: 2020-08-14_Friday_QA.mp3
Category:podcast -- posted at: 1:48pm MDT

It's Friday! Today, we cover:

  • 9:00 How to socialize children when stuck at home?
  • 22:27 How are IRAs Taxed for US citizens who renounce their citizenship?
  • 38:18 How should we set up foreign corporations for US citizens moving abroad?
  • 50:00 How should I go about looking for a financial advisor?
  • 59:09 How can I run a business with total privacy?
  • 1:22:51 Where does media production go from here?
  • 1:35:00 How can a retirement-age couple with $130,000 decide where to put their money?
  • 1:47:21 Should I put my new house into a trust?
  • 1:53:47 Which home security system should I install in my new house?
Direct download: 2020-08-14_Friday_QA.mp3
Category:podcast -- posted at: 1:43pm MDT

Millions of students are sitting at home wasting their time watching online courses for measly high school credit. That's dumb.

Why not just go ahead and get an online bachelor's degree instead?

In today's show, I'll tell you how.

Joshua

 

Direct download: 2020-07-27_Why_Not_Skip_High_School_and_Take_College_Classes_Instead.mp3
Category:podcast -- posted at: 3:54pm MDT

In today's Q&A we discuss:

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

Direct download: Tax_Planning_Advice_for_an_American_Couple_Moving_Abroad_to_Teach.mp3
Category:general -- posted at: 3:01pm MDT

Direct download: Always_Look_for_the_Most_Direct_and_Effective_Path_To_Your_Goals.mp3
Category:podcast -- posted at: 3:00pm MDT

Moving is an extremely effective—albeit disruptive—way to improve certain aspects of your life, both financially and personally.

All over the world there are millions of people who understand very clearly that if they can simply move to a country with a healthier, more robust economy.

But what country do you choose?

For hundreds of thousands of people, Canada is an obvious solution.

Today I've invited Brandon Miller, owner of Maple Immigration on to the show to discuss immigration into Canada.

We speak about immigration broadly and then specifically with regard to Canada.

Enjoy!

Joshua

Direct download: 2020-07-08_How_to_Move_to_Canada.mp3
Category:podcast -- posted at: 12:12pm MDT

Friday Q&A:

  • 1:30 What steps can I take to protect my privacy and assets as I get into real estate investing?
  • 17:22 Should I take an early $100,000 IRA distribution due to the CARES Act?
  • 24:30 WWJD if his global trip were cut short and he were trying to build an online business?
  • 44:00 How can I build a sideline bee business that my children can help me with?
  • 1:02:00 How can we reconcile the value of being a modern nomad with the value of local community?

To join next week's show, support the show on Patreon: https://patron.com/radicalpersonalfinance 

Direct download: 2020-07-03_Friday_QA.mp3
Category:podcast -- posted at: 2:59pm MDT

Live Friday Q&A:

  • 2:00 Do I stick out my job and current career because it's profitable and comfortable or do I pivot to something new while I'm young?
  • 16:20 Should I do Infinite Banking as part of my retirement plan?
  • 38:40 Should I go to college?
  • 59:10 My 79-year-old father needs income. What should he invest in?

Join next week's show here: https://patreon.com/radicalpersonalfinance

Listen to 227-The Five Benefits of College and Radical Ways to Exploit Them

Direct download: Friday_QA-Career_Retirement_College_Retirement_Income.mp3
Category:podcast -- posted at: 3:20pm MDT

Direct download: Revolution-Reformation--Wealth.mp3
Category:general -- posted at: 3:27pm MDT

Direct download: How_to_Choose_Which_Foreign_Language_To_Learn_to_Increase_Your_Income.mp3
Category:podcast -- posted at: 3:23pm MDT

Increasing your language skills can help your brain, your social life, and your wallet. In today's show, I give you some tools I have found to be useful in my own foreign language studies.

Joshua

Direct download: Language_Learning_Tips.mp3
Category:podcast -- posted at: 2:01pm MDT

This episode was first published in May 1, 2017. It's important. Please listen.

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If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye.

You need insurance against that eventuality.

Today, I'm going to teach you why it's vitally important that you arrest-proof yourself and how to do it.

Joshua

Direct download: Replay-RPF0456-Arrest_Proof_Yourself.mp3
Category:podcast -- posted at: 1:53pm MDT

Direct download: Where-Are-We-Right-Now-.mp3
Category: -- posted at: 5:36pm MDT

Time for live Q&A today!

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

Enjoy!

Joshua

Direct download: Live-Friday-QA-Call-In-Show-5285.mp3
Category:podcast -- posted at: 12:53pm MDT

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

Direct download: How-to-Lower-The-Emotional-Risk-of-a-New-Venture-4310.mp3
Category:podcast -- posted at: 3:59pm MDT

It's Friday! Today we cover:

  • 1:30 - What does Joshua think about the long-term future of the USA?
  • 25:08 - Is Bank on Yourself / Infinite Banking a good idea?
  • 56:13 - Should I get a Master's Degree right now or a job?
  • 1:13:00 - How can I start a forum to meet smart people?

Joshua

p.s., to join me on next week's Q&A show, join me on Patreon: https://patreon.com/radicalpersonalfinance 

Direct download: RPF0723-Friday_QA.mp3
Category:podcast -- posted at: 2:43pm MDT

You have an incredible opportunity available to you right now. Don’t miss it!

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


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

Direct download: 720-Seven-Rings-of-Liberty-What-Do-You-Do-When-Youre-Free-9357.mp3
Category:podcast -- posted at: 12:36pm MDT

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

Direct download: 719-Why-I-Dont-Miss-Investing-in-the-Stock-Market-2826.mp3
Category:podcast -- posted at: 3:36pm MDT

Watch this episode on YouTube: https://youtu.be/36fIApfStZM

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

Direct download: RPF0717-Commit_to_Growth_Exercise_Courage_Develop_Capability_Find_Confidence.mp3
Category: -- posted at: 11:25am MDT

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


It's Friday! On today's live Q&A show we discuss:

  • 1:10 Should I keep a credit card with an annual fee because it helps my credit score?
  • 5:22 Should I pay off my mortgage right now or wait so I can invest in rental real estate?
  • 10:59 Will the rental market be in demand again in the future?
  • 12:22 Should I refinance my 15-year mortgage to a 30-year in order to have more cashflow?
  • 15:20 What should a Radical Personal Finance live event look like?
  • 23:47 Should I do a like-kind exchange right now or sell the property, pay the tax, and wait for the market to decline?
  • 41:43 I'm 28 and just got out of debt. What should I do next?
  • 59:26 How should I start a side business while simultaneously working a high-profit day job?
Direct download: RPF0715-Friday_QA.mp3
Category:podcast -- posted at: 4:57pm MDT

It’s Friday! On today’s Q&A we cover:

  • 1:23 - Should I take the HELOC money out and put it into my bank account?
  • 4:57 - Should I defer my mortgage payments if possible?
  • 6:30 - How does this economic crisis affect my FIRE plans?
  • 16:52 - What should an 18-year-old do with $56,000 in his bank?
  • 32:49 - Should we leave our high-income job to fulfill our dream of moving to the country?
  • 48:24 - How should I give away $40,000 to $50,000 per year effectively?
  • 1:19:20 - Should I take a voluntary furlough from my job?
  • 1:24:12 - How should I set up my new business structure?
  • 1:40:45 - How do I choose between two good job offers?
Direct download: RPF0714-Friday_QA.mp3
Category:podcast -- posted at: 4:17pm MDT

We're in a recession. It hasn't been "officially" acknowledged yet, but it certainly will be.

So let's talk about how you can profit from this situation.

With the right attitude and the right decisions, you can come out of this difficult time positioned for greater and greater success.

Let's talk about how,

Joshua

Direct download: RPF0713-How_to_Profit_From_a_Recession.mp3
Category:general -- posted at: 5:13pm MDT

Direct download: RPF0712-How_to_Respond_to_An_Emergency_Loss_of_Income.mp3
Category:podcast -- posted at: 10:41am MDT

It's Friday! In today's Q&A show we cover:

  • 1:00 Joshua's predictions on COVID-19
  • 17:32 How to be positive during COVID-19
  • 27:00 How to walk away from a working class mentality and adopt a rich mentality
  • 52:12 Is it ethical for me to take unemployment insurance?
  • 1:03:13 Is this a good time to go into the market?

Enjoy!


Quick update:

  • I'm available for private consulting. Hourly rate is discounted from $400 to $250 until the end of March with code MARCHMADNESS Email me: joshua@radicalpersonalfinance.com
  • Courses are 20% off with code "CORONAVIRUS" at www.radicalpersonalfinance.com/store and at www.radicalpreparedness.com


“To be truly challenging, a voyage, like a life, must rest on a firm foundation of financial unrest. Otherwise, you are doomed to a routine traverse, the kind known to yachtsmen who play with their boats at sea… “cruising” it is called. Voyaging belongs to seamen, and to the wanderers of the world who cannot, or will not, fit in. If you are contemplating a voyage and you have the means, abandon the venture until your fortunes change. Only then will you know what the sea is all about.

“I’ve always wanted to sail to the south seas, but I can’t afford it.” What these men can’t afford is not to go. They are enmeshed in the cancerous discipline of “security.” And in the worship of security we fling our lives beneath the wheels of routine – and before we know it our lives are gone.

What does a man need – really need? A few pounds of food each day, heat and shelter, six feet to lie down in – and some form of working activity that will yield a sense of accomplishment. That’s all – in the material sense, and we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention for the sheer idiocy of the charade.

The years thunder by. The dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it, the tomb is sealed.

Where, then, lies the answer?

In choice. Which shall it be – bankruptcy of purse or bankruptcy of life?”

Direct download: RPF0Short_Update-Courses_Consulting_and_What_a_Man_Really_Needs.mp3
Category:podcast -- posted at: 8:34am MDT

It's Friday! We have a Q&A show today. But please listen. My economic concern continues to grow and I want you to be prepared for what could happen economically in the future. It's very serious.

  • 1:15 I have a family member stuck in Costa Rica. How do they get home?
  • 4:10 I'm about to get a tax refund. What should I do with the money?
  • 33:05 Should I be working in California or Spain at the moment? How can I profit from the current crisis?
  • 52:25 Why should I have thousands and thousands of dollars of physical currency available to me right now?
  • 1:16:15 How can I properly integrate a Dave Ramsey portfolio into my life?

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

Joshua

Direct download: RPF0709-Dont_Fight_the_Seas_Simply_Change_Your_Goals_Instead.mp3
Category:podcast -- posted at: 5:19pm MDT

Direct download: RPF0708-Understanding_the_Rough_Economic_Fiscal__Monetary_Waters_Ahead.mp3
Category:podcast -- posted at: 4:10pm MDT

Perhaps, like me, you're having a hard time getting your brain to accept what you're seeing around you and on the news and you're trying to figure out what's going on.

In working through this problem, I decided to chart out my Best-Case Scenario and my Worst-Case Scenario for both the medical problem of the COVID-19 pandemic and the economic outlook.

I figured I might as well turn the microphone on and let you listen in.

I hope it's useful.

Joshua

Direct download: RPF0707-Where_Do_We_Go_From_Here_COVID19.mp3
Category:podcast -- posted at: 6:59pm MDT

It's Friday! Time for Q&A. In today's show we cover:

  • 1:30 - How should I prepare for buying rental real estate in 2 years?
  • 10:40 - Should I contribute to retirement savings while saving a down payment?
  • 13:15 - Should I use a Roth IRA to accumulate a down payment?
  • 18:00 - If I refinance my mortgage to get lower rates, what should I do with the money?
  • 26:15 - How can I make the transition from a lucrative career to a side hustle?
  • 45:45 - Should I quit my job right now, given the recent changes in the economy?
  • 51:15 - Can I do tax loss harvesting with two index funds?
  • 54:05 - My wife is a French citizen. Should I also pursue French citizenship?
  • 1:01:00 - How do I know when it is time to buy a stock?
  • 1:03:10 - Should I take a 401(k) loan to set aside for potential opportunities?
  • 1:14:30 - How can I become freer and richer by setting up a nomad lifestyle?
  • 1:47:20 - How can I prep and build food storage while maintaining a Ketogenic diet?

Enjoy!

Joshua


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

Joshua

Direct download: Warning-Dont_Let_My_Optimism_Lead_To_Your_Inaction_Coronavirus.mp3
Category:podcast -- posted at: 8:37am MDT

Quick interim show to share a few of my thoughts on the emerging COVID-19 events.

Fascinating study in human psychology going on now. Pay attention!

Direct download: 2020-03-11_-_Thoughts_on_Coronavirus_Events.mp3
Category:podcast -- posted at: 9:50pm MDT

Current events show today. Let's discuss:

  • COVID-19
  • Economic prognostication
  • Stocks
  • Risk Management

Enjoy!

Joshua

Direct download: RPF0705-Current_Events-Coronavirus_etc.mp3
Category:podcast -- posted at: 1:34pm MDT

I'm hosting a public meetup for RPF listeners in Louisville, KY on Tuesday, March 10 (evening).

If you'd like to come, email me for details: joshua@radicalpersonalfinance.com

Joshua

Direct download: Louisville_Meetup.mp3
Category:podcast -- posted at: 1:05pm MDT

Friday Q&A show:

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

It's Friday! Today we do live Q&A:

  • 2:00 How should I support my girlfriend's desire to get a Master's degree in international development?
  • 10:29 How should we make an investment plan for lowering our household income due to changing family circumstances?
  • 16:55 Should I cancel my daughter's whole life insurance policy and do something else with the money?
  • 38:40 Should I keep my mortgage and plan to pay it off with my stock market investments so I can retire early?
Direct download: RPF0703-Friday_QA.mp3
Category:podcast -- posted at: 1:02pm MDT

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

Joshua


It's been a month since I first spoke to you about the Coronavirus, now called COVID19. In today's episode, I double-down and share with you my concern and how I think you should prepare for the potential economic ramifications of global pandemic.

Joshua

Join my prepping class tonight! www.RadicalPreparedness.com

Understanding Just-In-Time inventory systems: Episode 581

How to Prepare for Recession: Episode 666

CDC: "Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019 (COVID-19), February 2020"

Direct download: RPF0701-Why_You_Should_Take_the_Coronavirus_Seriously_and_Prepare.mp3
Category:podcast -- posted at: 2:10pm MDT

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

Joshua

www.RadicalPreparedness.com

Direct download: RPF0700-Seven_Rings_of_Liberty-Financial_Liberty.mp3
Category:podcast -- posted at: 11:40am MDT

It's Friday! That means a live call-in show for Patrons. Sign up here: http://patreon.com/radicalpersonalfinance

Today, we cover:

  • I just left my job. Should I break my lease and live in my Prius?

Enjoy!

Joshua

Direct download: RPF0699-Friday_QA-Should_I_Break_My_Lease_and_Live_in_My_Prius.mp3
Category:podcast -- posted at: 9:24am MDT

How do you live freely in a world of increasing government oppression? Is it possible to escape onerous government involvement in your life?

Here's my answer!

Joshua

Direct download: RPF0698-Seven_Rings_of_Freedom-State_Liberty.mp3
Category:podcast -- posted at: 3:24pm MDT

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

Here's why.

Joshua

Direct download: RPF0697-Seven_Rings_of_Freedom-Business_Liberty.mp3
Category:podcast -- posted at: 3:54pm MDT

In this episode, part 2 of our "Spending Liberty" focus, we discuss the value of savings and how relatively small amounts of savings can buy you personal freedom!

Joshua

Direct download: RPF0696-Seven_Rings_of_Freedom-Spending_Liberty_pt_2_of_2.mp3
Category:podcast -- posted at: 2:44pm MDT

Today we talk about the incredible liberty that you can enjoy in your life when you make the commitment to get and stay debt free!

Enjoy,

Joshua

Direct download: RPF0695-Seven_Rings_of_Freedom-Spending_Liberty_pt_1_of_2.mp3
Category:podcast -- posted at: 12:12pm MDT

Join me for a live set of classes on Practical Preparedness.

Classes begin February 3. Sign up here: http://radicalpreparedness.com

More details in the show,

Joshua

Direct download: Live_Practical_Preparedness_Class_Starting_February_3.mp3
Category:podcast -- posted at: 12:51pm MDT

I'm fascinated by the reports and videos coming out of Wuhan, China. I've never before seen a city of 11 million people shut down for a quarantine. I don't think it's every been done before! But it's amazing to watch.

Today, I want you to think about what would happen to you and your family if you were quarantined for an extended time.

If I sent you home and said you and your family had to stay there for the next 30 days, could you do it? Would you survive? Would you be comfortable?

If not, you're behaving irresponsibly. And you need to prepare for such a thing.

To start, you probably need to buy some food. In this show I give you some practical foods to start with.

Enjoy,

Joshua

p.s., Sign up for my live webinar series on Practical Family Preparedness: www.RadicalPreparedness.com

Direct download: RPF0694-How_to_Prepare_for_a_FluCoronavirus_Quarantine.mp3
Category:podcast -- posted at: 2:11pm MDT

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

Joshua


In today's show I share with you some fat loss and money lessons learned from my 70 pounds of weight loss over the last 6 months.

I hope you'll find some nuggets to help you get skinny and rich as well.

Joshua

Direct download: RPF0692-Fat_Loss__Money-70_Pounds_and_Counting.mp3
Category:podcast -- posted at: 2:36pm MDT

I want you to live as a free man. So in this series, I'm working to give you some ideas as to how you can achieve a very high level of freedom while you're on your way to financial independence.

Today, I'm going to share with you the dramatic impact that home education can make on your family's personal liberty.

Joshua

Direct download: RPF0691-Seven_Rings_of_Freedom-Family_Liberty.mp3
Category:podcast -- posted at: 2:37pm MDT

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

Joshua

Direct download: RPF0691-Financial_Goals_for_You_To_Set-Get_a_Better_Job.mp3
Category:podcast -- posted at: 2:03pm MDT

In this series, I aim to give you some ideas that have helped me to develop an extremely free lifestyle, even though I'm not yet financially independent.

Today, I'm going to share with you one of the single greatest assets that I enjoy in my quest for personal freedom: a stay-at-home wife.

This lifestyle choice is one of the things that has most meaningfully contributed to the joy and freedom that my family experiences.

It's also helped us massively financially.

Consider it for yourself!

Joshua

Direct download: RPF0690-Seven_Rings_of_Freedom-Spousal_Liberty.mp3
Category:podcast -- posted at: 12:19pm MDT

Today I have an interesting essay to share with you. Have you ever thought of The Missionary Position as a path to a life of global freedom?

:)

Enjoy,

Joshua

Direct download: RPF0689-The_Missionary_Position.mp3
Category:podcast -- posted at: 9:49am MDT

I want you to experience a lifestyle of freedom and liberty, in every sense of the word. So today we begin a new series called "Seven Rings of Freedom."

Achieving financial independence will make you more free. But there are a bunch of things that you can do along the way that will greatly increase your freedom.

Today, we discuss Spiritual Liberty. If you are personally, spiritually free, you can enjoy peace and joy and contentment in your situation, no matter what the details of your situation are. You can be a human slave and be completely free, if you possess spiritual freedom.

For that reason, we begin our series with Spiritual Liberty and a discussion of why Christianity is the superior path to Spiritual Liberty.

Joshua

Direct download: RPF0688-Seven_Rings_of_Freedom-Spiritual_Liberty.mp3
Category:podcast -- posted at: 1:20pm MDT

Today I reflect on some of the successes and failures of the decade past and share some of my ambitions for the decade to come.

Joshua

Direct download: RPF0687-The_Decade_Past-The_Decade_To_Come.mp3
Category:podcast -- posted at: 3:28pm MDT

Set goals that you don't know how to achieve.

Joshua

  • www.RadicalBookList.com

It's Friday! Time for Q&A:

  • 3:40 Do I need liability insurance for my business?
  • 35:45 How can I get good life insurance rates if I'm fat?
  • 1:20:25 What should I do for $300,000 of cash I'm saving for a business investment very shortly?
  • 1:22:30 Why are "high finance" people so dismissive of people who like dividend investing?

Joshua

  • Join me for next week's call by supporting the show on Patreon. www.patreon.com/radicalpersonalfinance

When you set a goal, you've got to count the cost; the financial cost and the opportunity cost.

Counting the cost may be enough to show you the path forward.

Joshua

Direct download: RPF0684-How_to_Set_Financial_Goals_Part_3_-_Count_the_Cost.mp3
Category:podcast -- posted at: 2:27pm MDT

It's a live Q&A show today! We cover:

1:30 - How can I build career confidence and skills when I don't have much time?

30:15 - I just got married; what is good advice for buying a house?

41:35 - How can I make sure that my 401(k) money is safe in case of recession?

54:15 - How can I invest into my local community?

1:12:45 - Should investors pay 1% to hire a financial advisor?

Direct download: RPF0683-Friday_QA.mp3
Category:podcast -- posted at: 4:38am MDT

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

Joshua

Direct download: RPF0682-How_to_Set_Financial_Goals_-_Part_2.mp3
Category:podcast -- posted at: 4:00am MDT

A new decade is dawning and my hope is that this decade be the best one yet!

But if you're going to tackle this decade proactively, you'll need to begin by dreaming a bit about what you'd like to accomplish this coming decade.

Let's get started,

Joshua

Direct download: RPF0681-How_To_Set_Financial_Goals_Part_1.mp3
Category:podcast -- posted at: 4:00am MDT

On today's show we veer away from financial independence and into living well today with a discussion of the Ketogenic diet.

I've invited Jack Spirko, host of The Survival Podcast on today's show to discuss his recent weight loss journey.

He has lost a significant amount of body fat in a short period of time and together we share ideas, tips, and experiences to help you achieve fat loss as well.

Enjoy!

Joshua

Direct download: Jack_Spirko_interview_MERGED_from_audacity-auphonic_1.mp3
Category:podcast -- posted at: 5:00am MDT

Over the last 5 months or so I've lost over 50 pounds of fat. This fat loss has significantly improved the rich quality of my life.

I'd like to share a few words of experience and encouragement with you to help you on your own fat loss journey.

Joshua

P.S. Remember, code "CYBER50" saves you 50% off all my courses through Monday at www.RadicalPersonalFinance.com/store

Direct download: RPF0679-Fifty_Pounds_and_Counting.mp3
Category:podcast -- posted at: 12:48pm MDT

I'm hosting a 50% off sale on all my courses this weekend only. Use coupon code "CYBER50" at www.RadicalPersonalFinance.com/store before midnight Monday.

I'm also offering a 30% discount on private consulting work booked by Monday. Email me at Joshua@RadicalPersonalFinance.com before midnight Monday to book a consulting call.

Enjoy the savings!

Joshua

Direct download: 50_percent_off_sale_on_courses_and_consulting_this_weekend_only.mp3
Category:podcast -- posted at: 10:28am MDT

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

Joshua

Direct download: RPF0678-Live_Rich_Now_By_Cultivating_Gratitude_For_Your_Trials.mp3
Category:podcast -- posted at: 1:04pm MDT

Direct download: 677-Dont-Just-Stand-There-Researching...Try-It.mp3
Category:general -- posted at: 2:29pm MDT

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

Enjoy!

Joshua


Today, we do Friday Q&A:

  • 00:00 Should I quit my job while I look for a business to buy or wait until I find one?
  • 13:00 How should I go about becoming a minority partner in a business?
  • 26:28 What is the best way for my dad to give me a rental property he doesn't want anymore?
  • 41:00 Should I refinance from a 15-year mortgage to a 30-year mortgage? (And how can I progress in my career?)
  • 1:00:17 Should I sell my stocks in anticipation of a market decline?

Enjoy!

Joshua


On today's Friday Q&A, we cover:

  • 1:45 The value of a sabbatical
  • 17:45 Homeschooling vs. private schools
  • 46:30 Modern Portfolio Theory

Enjoy!

Joshua

Direct download: RPF0674-Friday_QA-Sabbaticals_Home-Schooling_Modern_Portfolio_Theory.mp3
Category:podcast -- posted at: 12:24pm MDT

In light of the previous show, I've received many questions about scanning all my books. Here's a replay of the show where I explain what I've done and why.

Joshua


Reading can provide you with all of the knowledge you need to crush some very large goals in a very short time.

But you need to know how to read effectively.

Today, I teach you how.

Joshua

Direct download: RPF0673-How_To_Read_A_Book.mp3
Category:podcast -- posted at: 5:11pm MDT

Listen to the show.

Joshua

Direct download: RPF0672-Create_The_Reality_You_Will_Live_In.mp3
Category:podcast -- posted at: 5:29pm MDT

If you were discharged from the military for cocaine use, would you be able to seamlessly move into a $600,000/year job?

If not, you should consider building your influence a bit more!

In today's show I'll give you some ideas to help you develop this influence.

Joshua

Direct download: RPF0671-Ideas_to_Help_You_Build_Social_Capital_and_Political_Influence.mp3
Category:podcast -- posted at: 11:51am MDT

Can you imagine starting a business when you've been laid off from a job and you have many young children in the house? My guest today, Tim Schmoyer, has done just that. And he has prospered through the process.

Joshua


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

Direct download: RPF0669-Friday_QA.mp3
Category:podcast -- posted at: 8:59pm MDT

My guest on today's show moved from India to the USA as a young man. Starting with no money, he became financially independent in about 12 years.

In today's interview we dig into the strategies and tactics that worked for him.

Enjoy!

Joshua

Direct download: RPF0668-An_Immigrant_Success_Story-Broke_to_FI_in_10_Years.mp3
Category:podcast -- posted at: 5:00am MDT

In today's show, I have a special story for you of how my friend Anatole built a great life for himself, even though everyone hated him.

Enjoy!

Joshua

Direct download: RPF0667-How_To_Build_a_Great_Life_When_Everybody_Hates_You.mp3
Category:podcast -- posted at: 5:00am MDT

Today, we finish out the 3-part series on preparing for layoffs in the coming recession.

Today's show will be useful to you, even if you just got notice of your layoff and didn't do anything to prepare for it beforehand.

The major theme of today's show is that you need to take appropriate action with appropriate speed. If you're stuck with little savings and no preparation, that means take massive action, now! If you've planned a bit better in advance, it means be strategic and thoughtful.

We discuss:

  • The impact of self-confidence on your job hunt.
  • The importance of having work now and not being unemployed for a long time.
  • How to take massive action on your job hunt for quicker results.
  • What types of approaches are most successful for job hunters.
  • Some radical strategies you can plan for that will enable you to simply wait out and enjoy the recession instead of being stressed by it!

Enjoy!

Joshua

Direct download: REPLAY_RPF0194-You_Just_Got_Laid_Off.mp3
Category:podcast -- posted at: 5:00am MDT

Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might result in your being laid off, even though you've done everything "right."

So, you need a backup plan.

Don't wait and wonder what you'll do. Make a simple plan now for what you'll do.

Think about some different scenarios and play some mental games with yourself. That way, you'll be able to better respond to events instead of being shell-shocked by them.

Today's show covers:

  • The importance of planning to avoid emotional stress when you get laid off.
  • The direct impact of losing your income and how to plan for it.
  • The impact that losing your group benefits can have on your financial life.
  • Why you should consider establishing lines of credit before you need them.
  • How you can stockpile both money and the simple necessities of life.
  • The simple things you can do that will make it much easier to get your next job.
  • The importance of proactively building and maintaining a network.
  • How thinking like a consultant will help you now and help you later.

Enjoy!

Joshua

Direct download: REPLAY_RPF0193-Backup_Plan_For_Layoffs.mp3
Category:general -- posted at: 5:00am MDT

Originally released May 13, 2015. And just as important today.

-------------------------------------------

For most of us, our jobs are the economic engine that drive every aspect of our financial plan. One of the worst things that can happen is to lose a job.

If the engine on your car dies, you're going to be stuck by the side of the road for a while. That's not pleasant for anyone, even if you're stuck in a safe area. But, if you're driving up a mountain (paying off debt and digging yourself out of a hole), having your engine die can be disastrous. And, if you have a destination in mind (financial independence), losing the engine in your car will at least delay you from reaching your destination.

So, the key is plan in advance to not lose the engine. Make sure you're doing the things you need to be doing now to avoid being laid off.

Obviously, you can't guarantee that you'll never be laid off, but you can do a lot to improve your possibilities!

On today's show, we cover:

  • The need to proactively improve your position within your company, your company's position within the industry, and your industry's overall prospects in advance.
  • Some ways to know if you've got a big target on your back or a small target on your back with the HR people are figuring out who to cut.
  • The importance of competing with your fellow employees and of collaborating and cooperating with them and why both are valuable.
  • Ways to stand out and produce up to 4x the output of your fellow employees.

Enjoy the show!

Joshua

 

 

Direct download: REPLAY_RPF0192-Dont_Lose_Your_Job.mp3
Category:podcast -- posted at: 5:00am MDT

It's official: the Yield Curve on US Debt is inverted. That's a pretty good indicator that recession is in our future.

So, today I want to tell you how to prepare for the coming recession.

Enjoy! And do.

Joshua

Direct download: RPF0666-How_to_Prepare_for_the_Coming_Recession.mp3
Category:podcast -- posted at: 5:00am MDT

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

Direct download: RPF0665-Friday_QA.mp3
Category:podcast -- posted at: 4:17pm MDT

I'd like to invite you to meet up with me on Tuesday, September 3 in Washington, DC, USA. If you'd like to connect, please email me and I'll give you all the details.

Email me: joshua at radical personal finance dot com.

Joshua

Direct download: Meetup_in_Washington_DC_September_3.mp3
Category:podcast -- posted at: 5:00am MDT

It seems like many of the prominent voices in the FIRE movement are single individuals or childless couples. But many of us have children or want to have children. Does that mean that we will fail in our attempts to become Financially Independent? Are you doomed to choose between FIRE or children?

Today, I'll give you my answers. (Spoiler: you can FIRE and have children too!)

Joshua

Direct download: RPF0664-Can_You_Become_Financially_Independent_If_You_Have_Children.mp3
Category:podcast -- posted at: 3:04pm MDT

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

Joshua


A listener wrote in and essentially asked, "Why is Joshua so anti-tax?" So, I thought I'd give that question a crack for you.

Joshua

Direct download: RPF0662-Why_is_Joshua_So_Anti-Tax.mp3
Category:podcast -- posted at: 12:53pm MDT

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

Joshua

Direct download: RPF0661-Back_to_Basics-The_Power_of_Cash.mp3
Category:podcast -- posted at: 5:00am MDT

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

Joshua

Direct download: RPF0660-Back_to_Basics-The_Problem_With_Debt.mp3
Category:general -- posted at: 5:38pm MDT

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