Radical Personal Finance (general)
Direct download: 2021-04-14_How_Should_You_Prioritize_Tax_Costs_in_Your_Decisions.mp3
Category:general -- posted at: 4:54pm MDT

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

  • I made a bunch of money on a real estate deal. What do I do with the money now?
  • 29:35 How does Joshua go about making a podcast?

Joshua

p.s., join me on Patreon to join us next week! https://patreon.com/RadicalPersonalFinance 

Direct download: 2021-04-09_Friday_QA.mp3
Category:general -- posted at: 12:36pm MDT

In today's show, I'll share the exciting Sheats' Family travel plans for the rest of this year!

Joshua

p.s., Brand new! Text me a question or comment at 561-468-3158!

Direct download: 2021-04-05_Major_Travel_in_2021.mp3
Category:general -- posted at: 5:02pm MDT

https://radicalpersonalfinance.com/store use code CHANGINGPLATFORMS

Direct download: 50-Off-Sale-Ends-Tomorrow.mp3
Category:general -- posted at: 8:12pm MDT

It's exceedingly difficult to live income-tax free in the USA. (At least if we assume you're going to make some significant money.) But it's not impossible. At least not conceptually. You just have to avoid that pesky thing called "income." Let's talk about how!

Joshua

50% off sale ends March 31. Use Coupon Code CHANGINGPLATFORMS at https://radicalpersonalfinance.com/store now!

Direct download: 2021-03-22_How_to_Live_Income-Tax_Free_in_the_USA.mp3
Category:general -- posted at: 5:21pm MDT

Save 50 percent on all of my courses until March 31 with coupon code CHANGINGPLATFORMS at https://radicalpersonalfinance.com/store 

Direct download: 2021-03-16_Should_You_Cheat_on_Your_Taxes_to_Save_Money.mp3
Category:general -- posted at: 7:53am MDT

Save 50% on all of my courses until March 31 using coupon code CHANGINGPLATFORMS at https://radicalpersonalfinance.com/store

  • 2:30 Should I buy a health insurance policy on the public exchange or join a Christian Healthcare Ministry?
  • 9:30 Can I open an HSA account if I’m on my parents’ policy?
  • 13:00  How long should I keep my personal banking records?
  • 17:10 Should I convert my group life insurance to a personal policy?
  • 26:30 Should I sell my rental property to invest in something else?
  • 35:10 Should I take my money out of my 401(k) using the Coronavirus penalty relief?
  • 40:45 Should I trust the government’s tax promises about my 401(k)?

Joshua

Direct download: 2021-03-12_Friday_QA.mp3
Category:general -- posted at: 10:22am MDT

The Magic Penny is the best-performing investment asset any of us could dream of having. Today I'll show you how just a little bit of tax totally decimates its results!

Save 50% with code CHANGINGPLATFORMS only until March 31. https://radicalpersonalfinance.com/store​ 

 


I invited Jacob Lund Fisker back to Radical Personal Finance to discuss the Early Retirement Extreme lifestyle, investing, and how to protect yourself from catastrophic risk.

https://radicalpersonalfinance.com/store Save 50% with CHANGINGPLATFORMS until March 31

Direct download: 2021-03-10_Jacob_Lund_Fisker_Interview.mp3
Category:general -- posted at: 4:27pm MDT

It's Friday and that means live Q&A! But remember that I'm doing a limited-time sale:

On to today's topics:

  • 2:40 What can I learn from my recent investment wins?
  • 11:06 I've decided not to FIRE as soon as I though; should I buy a vacation property?
  • 25:41 Can going offshore lower my personal liability exposure?
  • 40:52 My wife and I are retiring young. Now what?
  • 54:36 Understanding the options on disability insurance.

Enjoy!

Joshua

p.s., remember to save 50% at https://radicalpersonalfinance.com/store with coupon code CHANGINGPLATFORMS and to book an consulting call with me at https://radicalpersonalfinance.com/consult before they disappear!

Direct download: 2021-03-05_Friday_QA.mp3
Category:general -- posted at: 3:53pm MDT

On March 31 I am removing my current courses from the marketplace so that I can re-shoot the video with fancier visual effects and release them at a higher price point.

I'm also no longer going to provide personal phone consulting services after March 31.

Both of these offers end on March 31, 2021, so act quickly.


Today, I'm going to share with you my thoughts about a friend's life and share with you some lessons from his life.

Direct download: 2021-03-04_What_Will_They_Say_About_Your_Life_When_You_Die_.mp3
Category:general -- posted at: 11:38am MDT

It's Friday! Today we cover:

  • 2:08 - Should I take out a HELOC on my house to invest in stocks?

  • 20:48 - Can I save money on my taxes by starting a dental tourism company?

  • 25:15 - Is the career of a CFP a good career?

  • 39:20 - Should I sell my $600,000 crypto portfolio?

  • 59:28 - How can I find new and interesting ideas for my life?

  • 1:09:28 - How can I build a framework for my children’s education?

  • 1:17:08 - Should I take a job that promises me equity as compensation?

Enjoy!

Joshua

Direct download: 2021-02-26_Friday_QA.mp3
Category:general -- posted at: 11:16am MDT

Direct download: 2021-02-23_The_Power_of_Beta.mp3
Category:general -- posted at: 4:10pm MDT

Direct download: 2021-02-16_The_Psychological_Freedom_of_Ratios.mp3
Category:general -- posted at: 11:15am MDT

In today's show we do live Q&A:

  • 3:00 Should I take a government job with good benefits or a private sector job with other benefits?

  • 16:42 How do I get myself back into tax compliance for a US citizen?

  • 25:52 How should I protect my cash savings from inflation

  • 35:30 Should I stay in hotels or buy a camper for my cross-country road trip?

  • 56:30 Should I merge my HSA with my wife’s?

  • 1:02:05 We are going to have a baby soon. Should we go travel with our maternity leave?

  • 1:10:18 How can I quickly build my credit?

Direct download: 2021-02-12_Friday_QA.mp3
Category:general -- posted at: 9:23am MDT

Direct download: 2021-02-10-Count_the_Costs_and_Your_Goals_May_be_Far_More_Achievable.mp3
Category:general -- posted at: 7:57am MDT

Hey Radicals!

I'm hosting a public meetup this Thursday, February 11, 2021 in Bogotá, Colombia.

If you'd like to join me, please email me: Joshua at Radical Personal Finance dot com.

Joshua

Direct download: 0208_145109-auphonic.mp3
Category:general -- posted at: 1:48pm MDT

Direct download: 2021-01-28_The_Freedom_of_Frugality.mp3
Category:general -- posted at: 3:19pm MDT

Direct download: 2021-01-25-Money_is_the_Ultimate_Renewable_Resource.mp3
Category:general -- posted at: 2:16pm MDT

It's Friday! Live Q&A today:

  • 2:00 Questions on retirement account contribution for US Americans living abroad

  • 19:48 Should I dump my whole life insurance policy?

  • 35:21 What are the rules on the disposition of stuff for my rental property?

  • 45:21 Should I make big year-end contributions to my retirement accounts?

  • 51:00 I just got laid off. What do I need to do now?

  • 1:08:00 Should I enhance my charitable giving by giving appreciated assets?

  • 1:14:44 How do I figure out the tax rules on my cryptocurrency?

  • 1:21:15 Should I keep my home base in the USA or dump it and move?

Enjoy! To join next weeks Q&A show, go here: https://patreon.com/RadicalPersonalFinance 

 

Direct download: 2021-01-15_Friday_QA.mp3
Category:general -- posted at: 11:48am MDT

In 2021, I resolve to spend more money and not to engage in extreme savings.

Here's why!

Joshua

Direct download: 2021-01-14_In_2021_Im_Going_to_Live_Richly_Not_Frugally.mp3
Category:general -- posted at: 3:06pm MDT

Direct download: 2020-12-15_How_to_End_a_Year_and_Plan_a_Better_One_Part_3-Plan.mp3
Category:general -- posted at: 11:01am MDT

Direct download: 2020-12-09_How_to_End_a_Year_and_Plan_a_Better_One_Part_2-Dream.mp3
Category:general -- posted at: 2:01pm MDT

Direct download: 2020-12-02_Reflect_on_the_Year_that_Was.mp3
Category:general -- posted at: 4:03pm MDT

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

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

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


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

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


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

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

In order to build wealth over your lifetime you need to #InvestWisely. But, how? How do you do it? What should you invest in?

Today, we discuss that question with an active hedge fund manager named John Medford. He and his team manage a large fund with an impressive record.

And, in this episode, we discuss why you probably shouldn't bother to try competing with him.

Joshua

Direct download: RPF0651-Can_You_Invest_Better_Than_a_Hedge_Fund_Manager.mp3
Category:general -- posted at: 12:08pm MDT

I think a pop up tent camper is an ideal compromise for family vacation travel.

In this show, I tell you why.

Joshua

Direct download: RPF0650-The_Case_for_Pop-Up_Campers.mp3
Category:general -- posted at: 9:11pm MDT

A listener has a car with a blown transmission and is trying to decide whether to repair it or replace it. Here's my advice!

Joshua

Direct download: RPF0643-Should_I_Fix_My_Broken_Car_or_Replace_It.mp3
Category:general -- posted at: 3:40pm MDT


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

 

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

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

There are people who should never, ever, have a credit card. And of course they shouldn't buy my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards."

But, everyone else should buy it. Go here: www.radicalpersonalfinance.com/creditcardcourse

Save $10 with promo code: CREDITCARDTEN

Joshua

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

In Part 1 of this interview (Episode 566), you met Scott & Susan, a couple who accidentally retired in their 30s and has spent the last two decades traveling the world in a sailboat and the US in a motorhome.

In today's episode, we discuss Scott's small business, Techie 4 Hire. If you have any interest in developing a location-independent business, pay attention to Scott's story of his own business. Also pay attention to some of the other types of businesses mentioned in this interview.

Finally, we discuss a bit of the technology of mobile internet connectivity. For many of us, our ability to reliably connect to the internet from the road can open up a location-independent lifestyle.

Enjoy!

Joshua


Part 2 of our 5-part series on radical housing.

Joshua


It's Friday! Today we cover:

  • AirBnB Business Deductions
  • Deductibility of Losses on a Personal Rental
  • How to Get Great Podcast Guests

If you'd like to join next week's Q&A call, do so here: www.radicalpersonalfinance.com/patron

Joshua

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

It's Friday! That means Q&A time. Today we cover:

  • Should I Use my 401(k) Money to Invest in Real Estate with a Self-Directed IRA
  • What Questions Could a Client Ask their Financial Advisor for a More Productive Relationship
  • Do I Risk the Wrath of the IRS by Moving From Sole Proprietor to S-Corp
  • When Is the Right Time to Hire a Tax Accountant Instead of Doing it Myself?

If you'd like to join for a future Q&A show, sign up here: www.RadicalPersonalFinance.com/patron

Joshua

Direct download: RPF0511-Friday_QA.mp3
Category:general -- posted at: 12:43pm MDT

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.

 

 

Direct download: RPF0439-Unshakeable_Book_Review.mp3
Category:general -- posted at: 3:00am MDT

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%

Direct download: RPF0438-Audience_Demographics.mp3
Category:general -- posted at: 3:00am MDT

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

Direct download: RPF0437-Mustachianism_101.mp3
Category:general -- posted at: 3:00am MDT

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

Direct download: Episode_500_Request.mp3
Category:general -- posted at: 10:00am MDT

From time to time we get buying opportunities that emerge from a wrinkle in the marketplace. I think I see an opportunity right now for those of you who are in the market for a new car with the 2017 Chevy Volt. Details in the show! Joshua
Direct download: RPF0387-Chevy_Volt_Show.mp3
Category:general -- posted at: 3:12pm MDT

On Fridays I do a Q&A show for Patrons of Radical Personal Finance. If you'd like me to answer a question for you, go here for information: www.radicalpersonalfinance.com/patron 

Today I answer:

  • Should I Stay At A Job to Get Student Loan Forgiveness?
  • When is the Ideal Age to Buy a Single Premium Immediate Annuity?

Enjoy!

Joshua

Direct download: RPF0316-Friday_QA.mp3
Category:general -- posted at: 3:00am MDT

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