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

• Should I sell the house we just moved out of?
• How Do I Figure Out If I Should Fire My Financial Advisor or Not?
• How Can I Organize a Really Cool Networking Event for Celebrities that I Admire?
• How Can Divorced Men Creatively Avoid Paying Higher Child Support?
• What Competitive Advantage Does Dimensional Fund Advisors Have Over Vanguard?
• How Has Joshua Changed His Financial Plan Over the Last Three Years?

Enjoy!

Joshua

• Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today, we cover this question:

Joshua,

My husband and I love your show and would LOVE IT if you could help us answer a question from your point-of-view.

Facts:

1. We're completely debt-free except for our house.
2. We make around $130,000 per year.
3. We're currently investing 10% for retirement.
4. We are dead-set on paying off the house in the next 2.5 to 3 years.

The DILEMMA:

Dave Ramsey suggests saving 15% for retirement for someone in our position. We can do this..but that'll slow down our house payment goal quite substantially (or, in my mind it's substantial, as I want this house paid off TOMORROW!)

The goal after the house repayment is to throw everything we can spare towards investing in retirement funds.

THE QUESTION:

Should we stay strong on our course to pay off the house in 3 years tops only saving about 10% for retirement or do we bump up retirement savings? Ultimately how do I figure out the opportunity cost in each scenario?

Thanks so much!

Taliah

--

• Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron
• This is the debt-payoff calculator that I use constantly! https://www.vertex42.com/Calculators/debt-reduction-calculator.html

Today's show comes by inspiration of this listener question: "Joshua, will you please send me a link to the best show on your website for a woman wanting to convince her husband that they can make it financially if she stays home?"

Well, I didn't have such a show. But now I do.

Here it is!

Joshua

• Don't have good data on your income and expenses? Start tracking it with YNAB! Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB

DATA:

I've really got a great show for you today. It's one that brings together so many things that I love talking about! Travel with Family, Entrepreneurship, Marketing, Financial Independence, and more!

My guest is Anthony Amos.

He's an Australian entrepreneur who started out with a tiny little backyard dog-washing business. He grew it, franchised it across Australia, and then sold it and decided he was rich enough to go into property development.

His timing was not so great (right before the real estate crash) but he suffered through.

Later, he wound up buying the company back and he's in the process of expanding across the United States!

At the moment, he and his family are in the middle of a 50+-state RV trip all across the USA with a goal of raising $1,000,000 for dog rescue. Along the way, they're enjoying an incredible family adventure and publicizing their dog washing business!

This one is well worth your time!

Joshua

• Anthony's website: https://bathetosave.com/
• Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

It's tax-time! That means that you face a problem: how should you do your taxes? Should you print off the 1040 form from the internet and fill it in by hand? Should you use tax software? Should you hire an accountant?

Here are my thoughts on the matter!

Joshua

• Great records will make doing your taxes an absolute breeze. Why not try YNAB for your budgeting and recordkeeping? Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB
• Please support RPF on Patreon. Currently 267 people of the ~18,000 daily listeners support the show on Patreon for a total of $1,659 per month. I'd be thrilled if you'd join them! www.radicalpersonalfinance.com/patron

It's Friday! That means it's time for a live Q&A show.

Today we handle two questions:

• How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor?
• How Can an Early Retiree Calculate If He Has Enough Money

Enjoy the show!

Sign up as a Patron to be invited to future Friday call-in shows. www.radicalpersonalfinance.com/patron

Joshua

Today's show is dedicated to marketing. I focus on answering a specific question about podcast marketing, but I do share a number of tips that are applicable on a broader basis.

Here's the question:

Hi Joshua,

I was inspired to start my own podcast six months ago when I listened to your episode 300 entitled "30 podcasting lessons learned from 300 episodes".

Your words of encouragement were invaluable for me and really made me believe I could do this. Your suggestion to focus on content and not the technical aspect of podcasting was the most significant takeaway for me.

The podcast is only 30 episodes in and we consistently publish an episode every single week but wondered if you could provide some suggestions on how to grow your audience.

Background information:
Candian based personal finance podcast, host/co-host format, with the occasional guest

Thanks so much,
Trevor
Simple Money Solutions podcast

• Go listen to Trevor's show! http://livelifesimple.ca/
• Please use the coupon code "Radical" to get your first month of podcast hosting for free at www.libsyn.com
• Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron

I wasn't quite sure how I should approach today's book review of Tony Robbins new money book, so I asked the Radical Personal Finance Facebook group.

I wrote: "I'm about to record my review of Tony Robbins' new book, Unshakeable. Should I do it in my current mood as ticked-off, angry Joshua and rip it to shreds or should I do it in my calm, collected and intellectually neutral voice, carefully presenting the good, the bad, and the ugly? Whadya want?"

Well, most people seemed to want option A, so I turned the mic on and let it rip.

Enjoy my review of Tony Robbins' latest book: Unshakeable: Your Financial Freedom Playbook: Creating Peace of Mind in a World of Volatility.

Joshua

p.s., If you missed it, here's my 3-hour review and critique of his first personal finance book, Money: Master the Game: 7 Simple Steps to Financial Freedom.

• Get a free 34-day trial of the personal budgeting software that I use every day: www.radicalpersonalfinance.com/YNAB
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I recently completed a brief demographic survey of the Radical Personal Finance audience. I learned a ton about who you are!

I thought it would be fun for me to share it with you and share how it impacted me.

Enjoy!

Joshua

    Do you need a website? Reach out to my own personal web team at www.sillygrasshopper.com and see if they can help you!

Radical Personal Finance Audience Demographics    
    
Gender    
Male    78.9%
Female    21.1%
    
Age    
13-17    0.2%
18-20    0.6%
21-24    6.9%
25-34    48.5%
35-44    29.8%
45-54    9.9%
55+    4.2%
    
Marital Status    
Single    27.4%
Married    70.1%
Divorced    2.4%
Widowed    0.1%
    
Race    
Asian    4.5%
Black    3.9%
Caucasian    82.1%
Hispanic    4.5%
Native American    0.1%
Pacific Islander    0.7%
Other    4.2%
    
Education    
Less than high school graduate    0.4%
Graduated high school / GED    1.7%
Trade / Technical school - no degree    1.5%
Attended college but did not graduate    5.4%
Two year college degree    5.3%
Four-year college degree    50.1%
Masters degree    26.6%
Doctoral degree    9%
    
Income    
<25k    2.8%
25k-49k    7.6%
50k-74k    14.7%
75k-99k    16.5%
100k-199k    40.8%
200k+    17.6%

On episode 425 of the podcast I interviewed Mr. Money Mustache. That episode was not intended to be an introduction to his teaching or his philosophy; rather, it was a human interest discussion with the man himself.

Today, I introduce you to the philosophy and teaching: the message.

What is mustachianism? What is the plan for financial independence espoused by Mr. Money Mustache?

Enjoy!

Joshua

• Start your search for a great financial advisor here: www.radicalpersonalfinance.com/patron
• Please support the show directly as a Patron: www.radicalpersonalfinance.com/patron

Hey Radicals!

We're quickly coming up on Episode 500 of the show. To celebrate, I'd like to do a special show, exclusively featuring your stories.

1. Will you please record a quick 2- or 3-minute audio message telling us about the changes you've made in your life and how you've made financial progress in your life?

I think hearing your story will be so encouraging to all of us.

Also,

2. Will you please send me a picture of you and/or your family for me to post on my screensaver?

I'd like to create a picture gallery of who my listeners are so that I can picture you and record better information for you!

Email those two things to: joshua@radicalpersonalfinance.com

Thank you!

Joshua

I'm traveling today and unable to record.

Enjoy my recent interview on the Richer Soul podcast!

http://richersoul.com/2017/03/07/ep-0010-richer-soul-joshua-sheats-radical-personal-finance/

Joshua

I learned about business and money during my six years working as a financial advisor than at any other time period in my life.

Today I'm kicking off a series sharing some of the lessons that have most deeply impacted me. I'll share both the lessons I learned from business as well as the lessons that I learned from working with hundreds and hundreds of clients.

Lesson Number 1 is simple: Don't wait for business to come to you; go find it!

Joshua

• Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin
• Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

It's Friday. Pay attention. That means the weekend is here. Have you planned and scripted it out for maximum results?

Do it.

Love you,

Talk next week...

Joshua

My guest today is a lady named Ruby. We met at Camp Mustache SE 2017 a couple of months back and I got to hear her immigrant story! She and her husband are both recent immigrants to the United States and they are aggressively pursing financial independence.

Enjoy her story!

Joshua

• Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

I've been thinking about computer and data security this weekend and I decided to run with that theme for today's show.

I've compiled a simple list of 18 tips for you to enhance your financial security and financial privacy.

These range from the simple (#1 is for you to cover your PIN code with your hand) to the contentious (#10 is my advice as to whether you get greater security from using a credit card or a debit card).

But, they're all useful and free (or at least nearly free).

Enjoy!

Joshua

• Looking for a new financial advisor? Start your search here: www.radicalpersonalfinance.com/patron
• This is the Access Denied RFID blocking wallet that I have. http://amzn.to/2mZcZCJ
• Here's a ladies version of the Access Denied wallet. http://amzn.to/2md0a7K
• RFID blocking sleeves for your credit cards: http://amzn.to/2lPCcOm
• This is the MobileSec Cell Phone Blocker bag I mentioned: http://www.mobilesecsolutions.com/cell-phone-blocker
• I own this Amazon Basics paper shredder. It works really well http://amzn.to/2mPwiBy

My guest today is Gwen, writer at www.FieryMillenials.com

She is a hardcore saver who is working her tail off to reach financial independence and to teach others through her story.

This is an ideal follow-up to yesterday's advice to my 22-year-old listener.

Enjoy!

Joshua

• Please Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron