Fri, 13 January 2017
On Fridays we do a live Q&A show! If you'd like to join me on the next one, sign up to support the show as a patron! www.radicalpersonalfinance.com/patron Today we cover:
Enjoy! Joshua
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Thu, 12 January 2017
The health of your credit score is an important subject. It's important that you keep your credit report squeaky clean and your credit score high. Today, I'm going to give you some simple, free tools to do so.
Joshua
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Wed, 11 January 2017
The Dow Jones Industrial Average has been steadily flirting with an all-time record of 20,000 points. I certainly expect it to cross that threshold any day. But, so what? Today I tackle these three questions:
Enjoy! Joshua
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Tue, 10 January 2017
Ain't it strange how so many of the universal human experiences cost so much? Childbirth. Marriage. Getting Old. Death. All of them can cost a bunch of money. But does it have to be that way? Are there alternatives? Yes. Guess what: kicking the bucket doesn't necessarily have to break the bank! There are ways to do it cheaper. If you want to. Today I tackle funeral expenses. You might not be able to benefit from the savings, but at least your family can have a little more cash left over to celebrate your life! Enjoy, Joshua
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Mon, 9 January 2017
What's the point of budgeting? Isn't it supposedly supposed to help you get richer? Well, one way to make budgeting matter is if your budget categories actually help you to understand what's happening with your money. Today, I walk you through some of my personal budget categories and explain how they impact my spending decisions. I don't think you'll find these budget categories in any pre-existing software. But I do think they'll be really useful to you! Joshua
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Fri, 6 January 2017
I think RVs are awesome. In fact, my family just got back from a very fun 2-week RV trip last week! But, RVs can also be a major money drain. Much like boats, it's easy to overestimate the pleasure you will get from it and underestimate the hassle. In today's show, I share with you some of my ideas and thoughts on RVs:
Enjoy the show! Joshua
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Tue, 3 January 2017
Hey Radicals! Happy new year! I was planning to come into 2017 with a bang, but a stomach bug turned the bang into a fizzle for me. Oh well! You'll be hearing some changes to RPF in coming days. I want you to know about those in advance, so tune in for a quick chat today! Joshua |
Thu, 15 December 2016
I missed a couple of important points on the previous show on Health Care Sharing Ministries (HCSMs). Today we wrap those points up with a quick discussion of:
We also discuss:
Enjoy! Joshua
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Mon, 12 December 2016
Today I tell you why we don't have health insurance in my family and what we do instead! We continue our health insurance series today with a discussion of Christian Health Care Sharing Ministries.
Direct download: RPF0404-Health_Care_Sharing_Ministries.mp3
Category:podcast -- posted at: 3:03pm MDT |
Tue, 6 December 2016
One of the major burdens that the passage of the Affordable Care Act placed upon us is that we are required by law to maintain health insurance coverage. Or, if we don't, we have to pay a tax penalty. But, as with most taxes, the Obamacare tax penalty is, in some ways, optional. In today's show I teach you all of the ways that I know to escape it! We cover:
Enjoy! Joshua
Direct download: RPF0403-How_to_Avoid_the_Obamacare_Tax_Penalty.mp3
Category:podcast -- posted at: 1:13pm MDT |
Mon, 5 December 2016
If you're building a business, you may reach a point in time at which you need more money to expand your operation than you're currently receiving from your revenues. Traditionally, this is where you would either go out and solicit more investors to back you or perhaps go and borrow money from a bank. But, thanks to major changes in the law, there's another option now available to you: equity crowdfunding. Equity Crowdfunding is a way for companies to solicit investments from individuals similar to how product crowdfunding sites like Kickstarter, et al, solicit sales from individuals. There are tremendous possibilities here for you as a business owner. But, don't skip this show if you simply don't own a business. You may be interested in this topic from the perspective of a business owner! You can participate as an investor with these companies yourself! Enjoy the show, Joshua
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Fri, 2 December 2016
So, you set a goal for your income next year. Great! Good job! That's a nice place to start. But it does nothing for you if you don't translate it into an hourly income goal. Listen to the show to find out why and how. Joshua
Direct download: RPF0401-Set_an_Hourly_Income_Goal_and_Plan.mp3
Category:podcast -- posted at: 3:00am MDT |
Thu, 1 December 2016
I learned the hard way not to wait until the end of December to think about how my past year went and how I wanted my next year to go. Don't wait. The first two weeks of December are your golden time for your year-end review process. Details in the show! Joshua
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Wed, 23 November 2016
Happy Thanksgiving Day, Radicals! Joshua |
Thu, 17 November 2016
One of the thorny research projects which I'm personally undertaking is to study the most effective ways to invest my money and my life into my local community without passing through the financial services intermediaries. Friends, it ain't easy. Our entire world is wired to go through the mainstream banking/investment/etc. industry. And it's not easy to break free. But, I'm convinced that it is possible. So, I'm working on it. And today, I've invited a new friend of mine on the show to explain how he does it. Tim Yarbrough is an entrepreneur and investor from Alabama who has been in business for over 40 years. He has personally invested in dozens of companies there in his community. Today, he shares his wisdom from 40 years of experience with you and with me. Enjoy! Joshua
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Wed, 16 November 2016
Today we continue our health insurance series with a discussion of the Premium Tax Credit. The Premium Tax Credit is available for those whose income is between 100% and 400% of the Federal Poverty Level who purchase their health insurance through a government-run marketplace. The dollar amounts involved can be substantial if you're in that range. Pay attention, Joshua
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Mon, 14 November 2016
Today I've invited real estate investor Joe Fairless on the show. And yes, we chat about real estate. But, I don't have him on to speak about real estate exclusively. Rather, I want you to pay careful attention to how he got into real estate in the first step. Pay attention to the arc of his overall career. And then model him. Joshua
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Wed, 9 November 2016
Today, I share my thoughts on the Trump/Clinton election and connect it with a discussion of why I'm philosophically and morally opposed to Obamacare. (Hint: it's not because I hate sick people.) Joshua
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Mon, 7 November 2016
In case you haven't heard, this Presidential election is the most important one in your lifetime. And, it will retain that title until November 9 when the 2020 election will take over as reigning champ. Not only is this the most important election of your lifetime, but if the wrong person is elected, we literally face the end of the world as we know it! So, what are you to do? Well, today's show contains my thoughts and advice around presidential politics as well as 10 things you can do that will actually make a difference after you've cast your vote for President of the United States. Joshua
Direct download: RPF0394-On_Voting_Elections_and_Presidential_Politics.mp3
Category:podcast -- posted at: 1:52pm MDT |
Thu, 3 November 2016
Today we embark on our journey through the wild and woolly world of health insurance. This topic is utterly frustrating to navigate and incredibly divisive in philosophy. Obviously, it's a perfect topic for Radical Personal Finance! Joshua
Direct download: RPF0393-Health_Insurance_Series_Part_1.mp3
Category:podcast -- posted at: 1:35pm MDT |
Fri, 28 October 2016
If you look at all of your expenditures and methodically add up all of the money you've spent in the last year on taxes (of all types), you will likely find that taxes are one of your largest spending categories. So, in our constant quest to lower expenses, what can we do about that problem? Well, you can engage in good, proactive tax planning and tax avoidance. And, we've talked about that extensively here at #RadicalPersonalFinance. But, have you ever thought about getting involved at the root of the problem? In working to roll back the taxes levied upon you at the seat of government? Most of us haven't. And the reason we haven't is that we are trained to automatically revert to fighting about national politics. I'm convinced that national politics is utterly hopeless--at least for now. You have no voice, no power, and your involvement and even your vote are essentially meaningless. But, take courage. That doesn't mean that all is lost. You can make a huge difference if you get involved in local politics. Your voice and your work and your vote can make a huge difference at the local level. My guest today is Paul Dorr. He is a former bank owner but he's now a political consultant. He specializes in helping ordinary people organize themselves politically in order to defeat local tax increases. And he's very good at his job! He's here today to share with us some of his tips and techniques as well as his personal story. I think you'll find today's show inspiring and helpful if you care about the cause of liberty. And it might even help you lower your tax bill. Enjoy! Joshua
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Thu, 27 October 2016
My guest today is Craig Cody, CPA, co-author of the book "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss." We discuss:
Enjoy! Joshua
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Wed, 26 October 2016
Have you ever thought about engineering your layoff from your job as a means to advancement to your next opportunity? After all, if you get laid off instead of quitting, there are a whole host of benefits to you. (severance, health insurance, etc.) But, how do you do it? And, is there a way to do it ethically? My guest today has written the book on the subject. His name is Sam and he is the writer behind the popular personal finance blog www.FinancialSamurai.com and his book is entitled "How to Engineer Your Layoff: Negotiate a Severance and Be Free!" Enjoy the show. Joshua
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Tue, 25 October 2016
There are two phrases that we commonly use that are very destructive to your personal empowerment. I recommend that you identify them and remove them from your vocabulary. Try it! You'll thank me later. Joshua
Direct download: RPF0389-Banish_These_Two_Phrases_From_Your_Vocabulary.mp3
Category:podcast -- posted at: 2:50pm MDT |
Fri, 21 October 2016
The title says it all. Joshua p.s., Sorry about the double show on the last episode. I am presently without a working computer, but I'll fix it ASAP.
Direct download: Drunkenness-Will-Destroy-Your-Wealth.-Dont-Participate-.mp3
Category:podcast -- posted at: 3:17pm MDT |
Tue, 18 October 2016
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
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Mon, 17 October 2016
I shudder and cringe when I hear someone who's thinking about upgrading their car because the new one gets better gas mileage. I don't often yell, but please indulge me for a moment. YOU SHOULD NOT UPGRADE YOUR CAR IN ORDER TO GET BETTER GAS MILEAGE! And, I'll prove it to you. Listen to this show. And then, download the free calculator I built years ago and plug in your own numbers to see whether you should upgrade or not. I think you'll be glad you did. Joshua
Direct download: 386-You_Should_Not_Upgrade_Your_Car_for_Gas_Mileage.mp3
Category:podcast -- posted at: 3:36pm MDT |
Fri, 14 October 2016
This is an audio file containing Steven Harris's free Family Emergency Preparedness Class. This class contains very useful and practical information regarding emergency preparedness. Some of the material is becoming dated. For all of Steven's current work, visit his website www.Steven1234.com and follow the appropriate links. Joshua
Direct download: Steven_Harris_Family_Emergency_Preparedness_Class.mp3
Category:podcast -- posted at: 1:08pm MDT |
Fri, 14 October 2016
This is an audio-only version of Wendy DeWitt's "Sensible Food Storage" seminar. This is the most practical, complete seminar on home food storage I've ever been able to find. You can view the original video version of this file here: https://youtu.be/GY5kiCzaeYc You can also download the PDF handouts of this seminar here with these links. This handout contains the instructions for how to do Wendy's system: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Under_the_Sun_by_Wendy_DeWitt.pdf This handout contains Wendy's sample meals with recipes and amounts calculated out for you: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Made_Simple_by_Wendy_DeWitt.pdf
Direct download: Sensible_Food_Storage_Seminar_by_Wendy_DeWitt.mp3
Category:podcast -- posted at: 12:52pm MDT |
Fri, 14 October 2016
If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at the end? Today, we tackle the question of food insurance with a discussion of practical steps to take to build your own reserves. I think it's very wise for you to make sure that you always have enough food in your house to feed your family for at least a few weeks, even better a few months, and perhaps even a year or more. Since you can fit a year's supply of food under a twin bed, there's little reason not to plan ahead and store up some food. But, it's tough to know how to do this. I've divided this topic into two parts. The first show (#384) had a bit of the philosophy behind food storage and reasons for you to store up food. Today's show (#385) has the practical advice for how to actually do it. Enjoy! Joshua
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Fri, 14 October 2016
If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at the end? Today, we tackle the question of food insurance. In short, I think it's very wise for you to make sure that you always have enough food in your house to feed your family for at least a few weeks, even better a few months, and perhaps even a year or more. Since you can fit a year's supply of food under a twin bed, there's little reason not to plan ahead and store up some food. I've divided this topic into two parts. This show (#384) has a bit of the philosophy behind food storage and reasons for you to store up food. The next show (#385) has the practical advice for how to actually do it. Enjoy! Joshua
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Wed, 12 October 2016
When I make a significant purchase, I always try to pay attention to the process of that purchase. I analyze my psychology and desire for the item, I consider carefully the decision process, and I consider the usefulness I get from the item and how much I enjoy and utilize it. One major lesson I've learned is to always make sure to budget for the accessories to enhance the usefulness of an item. Many times, the accessories you purchase for an item will make a dramatic difference in your ability to enjoy and use the item. Detailed discussion of this concept in today's show! Joshua
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Wed, 5 October 2016
I recently read an article from the New York Times called, "It's Official: The Boomerang Kids Won't Leave." The story is a familiar one: adult children fall on hard times after college and need to move home in order to make ends meet. This is an experience that many parents have had. The challenge is this: how do you get the kids to leave? What can and should you be doing in order to get them to a place of autonomy? In today's show we tackle this subject. We also cover some ideas for younger parents to implement in order to help your children avoid the boomerang effect in the first place. Joshua
Direct download: RPF0382-Remove_Your_Boomerang_Kids_from_Your_Financial_Teat.mp3
Category:podcast -- posted at: 1:24pm MDT |
Tue, 4 October 2016
As I release today's show, Hurricane Matthew is threatening the east coast of Florida and the Carolinas. (Today's show is not specific to Hurricane Matthew. The content is useful in any natural disaster or hurricane. But I wanted to get this information to you in a timely manner so that those of you in the warning cone have an opportunity to prepare.) Today's show is very practical. I cover:
Enjoy the show! Joshua RESOURCES:
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Fri, 30 September 2016
Are you an employee? Want to make more money? Want to have a tremendous career? Listen to this show. Joshua
Direct download: RPF0380-Practical_Advice_for_Employees.mp3
Category:podcast -- posted at: 12:34pm MDT |
Thu, 29 September 2016
On today's show I cover four of the major perils of success. Both failure and success have danger points. You might think a lot about the dangers of failure. But are you aware of the perils of success? Have you thought about what might happen to you as you continue to achieve success? In today's show, I share with you four dangers of success...and I've fallen prey to all four of them. Then, after that discussion, I share with you how--and why--I'm removing some of the filters that I've kept on the content of RPF. Not a lot is changing with regard to what I actually produce on RPF. But my own mental decisions are changing and I am intentionally giving myself more freedom to tackle difficult subjects. Details in the show! Joshua As mentioned in the show. Please:
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Tue, 27 September 2016
My guest today is Jason Vitug. Jason has a very interesting story of beginning at the bottom of the work-world, advancing quickly to company leadership, and then walking away to pursue travel and personal business projects that seem to integrate more with his life vision. Oh, and he wrote a book and just finished a 54-city speaking tour. Enjoy the interview! Joshua
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Mon, 26 September 2016
I recently appeared on Paula Pant's Afford Anything podcast for an in-depth discussion of the stages of financial independence. The interview was one of the favorite interviews I've done in a while and I think you'll really enjoy it. Enjoy! Joshua |
Wed, 21 September 2016
Hey Radicals! I'm heading to California today for #FinCon16. I'd love to connect with as many of you as possible while I'm there! I'll be available on Thursday, Friday, and Saturday (9/22 to 9/24). Reach out to me on Twitter and let's schedule a time to connect! https://twitter.com/JoshuaSheats Joshua |
Wed, 21 September 2016
We know that it's worthwhile to increase income in order to reach our financial goals more quickly. But how can we do that? One proven way is to get advanced education by attending graduate school. My guest today is Matt Miner. He followed the time-worn path of attending graduate business school as a way of significantly increasing his earnings and he's learned from that experience. He's also studied the issue extensively, so he brings both personal experience and study to this question. In this show we discuss:
Enjoy the show! Joshua
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Fri, 16 September 2016
I received the note below from a listener of my show and today I answer it! Enjoy, Joshua -----
Thanks for all your time!
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Tue, 13 September 2016
My guest today is Lauren Greutman. Lauren has been on RPF before (with her husband Mark) way back at Episode 108. But today she's back today as part of the book launch tour for her brand-new book: The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life. In today's episode, we cover:
Enjoy the interview! Joshua
Direct download: RPF0375-Recovering_Spender_with_Lauren_Greutman.mp3
Category:podcast -- posted at: 2:51pm MDT |
Fri, 9 September 2016
On Fridays, we do Q&A. Today we cover:
If you'd like to join for a future Q&A call, join here: www.radicalpersonalfinance.com/patron Joshua
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Thu, 8 September 2016
You want to start a business...so, you have to decide what type of business entity to use, right? Well, yes and no. Yes in the sense that it is an important decision. But no in the sense that you should first focus on how you're going to build the business...and you should probably just start the business and see if it will work. But, it is an important decision. And there is a lot of confusion over all these entities. Today we cover these entities in an introductory capacity:
My intention is not to give you all the details but simply an overview so you will feel more confident soliciting the professional advice that you need for your specific situation. Joshua
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Tue, 6 September 2016
Whatever begins to exist has a cause. This fundamental truth governs much of your thinking. And yet, have you stopped to consider its application and how you can adjust this to your benefit? The law of cause and effect is operational in your daily life. And yet, many people focus on the things they want (the effect) without every once stopping to think about how to get there! They don't think about the causes that are necessary to achieve a certain effect! In today's show, I give you a series of very practical lines of inquiry into financial causes and effects. These ideas will help you to look at your own situation with a fresh vision and to create a customized plan that will help you go from where you are to where you want to be. Joshua
Direct download: RPF0372-The_Power_of_Cause_and_Effect.mp3
Category:podcast -- posted at: 12:25pm MDT |
Thu, 1 September 2016
Hey Radicals! Tough week this week and I'm behind on shows. My apologies! I thought you might enjoy this recent interview I gave on Everything Financial Radio in Grand Rapids, Michigan. The first part of the show is with Gerald Celente. My interview starts at 19:15. Back soon, Joshua
Direct download: Joshua_Sheats_on_Everything_Financial_Radio_interview_With_Dennis_Tubbergen.mp3
Category:podcast -- posted at: 3:08pm MDT |
Tue, 30 August 2016
Today's show is dedicated to the idea of mobile home investing. John Fedro stumbled into the mobile home investment business and has since made it his unique area of specialty. Mobile homes have some unique characteristics that might make them an attractive investment class for you to consider. (After all, you can often buy an entire house for less than a new car!) But they also carry some significant potential downsides. Enjoy the education, Joshua
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Fri, 26 August 2016
On Fridays, I host a live Q&A call! Today we cover:
If you'd like to join on a future call, become a Patron of the show at www.radicalpersonalfinance.com/patron Enjoy! Joshua |
Thu, 25 August 2016
Ever since I sat down and designed my "Seven Stages of Financial Independence," I've been a bit bothered by Stage 7: Financial Abundance. I inserted it at the end of the list because I think that's where it belongs. But I don't think you have to wait until you get through the stages to be able to enjoy a lifestyle of Financial Abundance. And I definitely don't think you should wait for later to start planning for Abundance. So, what do you do? Well, in today's show I do my best to lay out some ideas to point you in the right direction. Enjoy!
Direct download: RPF0369-Dont_Wait_for_Financial_Abundance.mp3
Category:podcast -- posted at: 2:40pm MDT |
Tue, 23 August 2016
Your personal credit and credit rating are an important component of your financial life. But did you know that you can also establish, build, and utilize an entirely separate credit file on your business? My guest today, Ty Crandall, is an expert on both business credit and personal credit and he's here with me today to share with you some actionable strategies you can understand and implement to begin building your own personal business credit. Enjoy! Joshua
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Tue, 16 August 2016
Today we tackle Social Security with Devin Carroll from www.SocialSecurityIntelligence.com Devin is a financial planner who has taken a special interest in consulting on the topic of social security. In this show we cover some general background and advice for those who are trying to figure out how to approach their social security strategy as well as some interesting background on the social security program. (If you listen closely, you might even find an argument or two contained herein!) Enjoy! Joshua
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Fri, 12 August 2016
My guest today has been from the lowest of lows to great heights of success. And then he repeated the cycle at least a time or two. Rod Khleif has owned over 2,000 houses and apartments. He has made millions. And, he lost millions during the 2008 housing crash. Today, he's come on the show to share the good and the bad from his experience. We cover technical details of real estate as well as many very important life lessons. Enjoy! Joshua
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Thu, 11 August 2016
Do you wish to set out and travel but feel like you lack the money? Well, what if you did it anyway and just adjusted your style of travel to fit a more modest budget? My guest today is long-time listener of the show, Philip Frey. A few years ago he did exactly that. He set out across Europe with a schoolmate and they managed to cobble together a very fun trip on a very modest budget! In today's show we discuss Philip's experiences and advice for how to replicate a trip like his. I also share some of my tips and ideas for how I would approach a trip like this for myself. Enjoy the show! Joshua
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Tue, 9 August 2016
My guest today is Daniel Crosby. Daniel is a behavioral economist and he has applied his expertise to the question of investing. One of the greatest challenges investors face is managing their own behavior. Daniel has studied this problem extensively and has formulated specific recommendations to help investors manage their psychology and manage their behavior. Enjoy! Joshua |
Thu, 4 August 2016
I tried as hard as I could to ship a financial planning show today, but it just didn't get done. Oh well. I don't always promise to release audio to you every day, but I didn't want to leave you hanging without something to listen to. So enjoy 20 minutes of pure Jim Rohn gold. Joshua
Direct download: Jim_Rohn_-_The_Power_of_Your_Philosophy.mp3
Category:podcast -- posted at: 8:00pm MDT |
Wed, 3 August 2016
My guest today is Kathy Fettke. Kathy has a very interesting story of learning to invest in real estate during a time of personal crisis. She has since leveraged her experience to build a business related to real estate in addition to managing her own investments. Enjoy! Joshua
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Tue, 2 August 2016
I'm fascinated with stories of immigrants to the United States. If you mentally put yourself in the shoes of an immigrant and then ask how you could become wealthy, even if you started with nothing, you have the opportunity to clarify the actions you can take which lead to wealth. A listener to the show, Manhar Patel, emailed me and asked me if I was interested in his story. After a bit of back and forth, I invited him on the show to tell his story. Manhar is an Indian immigrant to the United States who is working to build his fortune. Enjoy his story and take what you can learn from his tips and tricks and apply them to your life. Joshua
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Mon, 1 August 2016
The past few weeks have been a bit depressing for me due to the absurdity of national politics here in the United States. I broke my personal rules of not getting involved with national politics and the results weren't pretty. I was thoroughly annoyed and saddened. Until Sunday afternoon. Which is when a young man in my neighborhood cheered me up by showing how it's possible for someone who wants something to get it, no matter what stands in the way. On today's show, I share with you some thoughts on the power of choice which we all have. We have the power to choose what we do and when and how. Ultimately, the politicians don't have the power over our lives. We have the power over our lives based on our choices. I cover some ways for you to build more freedom and independence (especially in the area of taxes) by understanding the laws that you're subject to and then simply avoiding the conditions of being subject to them! Enjoy, Joshua
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Fri, 29 July 2016
On Fridays we do Q&A!
If you'd like to get on a call like this, join as a patron! www.radicalpersonalfinance.com/patron Joshua |
Thu, 28 July 2016
How much money do you spend eating out? How much money could you save simply by learning to cook for yourself? My guest today is Ketura from www.FreeToCook.com and she's here to share her personal experiences in learning to cook from home to improve her family's budget. Enjoy! Joshua
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Wed, 27 July 2016
Today we round out the 4-part disability series with:
Enjoy! Joshua
Direct download: RPF0358-DI_Taxation_and_Types_of_Policies.mp3
Category:podcast -- posted at: 2:52pm MDT |
Tue, 26 July 2016
College and all of its associated costs can make a big difference in your financial situation. Today, I've invited Brad Baldridge on the show to discuss the college planning process and the background to many of the financial decisions. I think you'll enjoy the interview. Be sure to stay tuned for the second half where we pull apart some strategies for making the student aid forms work to your favor. Enjoy! Joshua
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Mon, 25 July 2016
Minivans get a bad rap in our modern culture. They're the brunt of endless jokes and I want to see that change. For some reason people think that minivans are suitable only for parents with kids. They certainly are great for that--far, far better than an SUV--but that's not all. I think a minivan is pretty much the perfect vehicle for everyone at every stage of life. Yes, that's a big claim. But I really, really do think they're great. Today, I do my best to convince you to join me in the land of the enlightened. :) Joshua
Direct download: RPF0356-Your_Next_Car_Should_Be_a_Minivan.mp3
Category:podcast -- posted at: 11:06am MDT |
Fri, 1 July 2016
The tagline I created for Radical Personal Finance is this: "...the show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now while building a plan for financial freedom in 10 years or less." Little by little I've been breaking this down for you and today we tackle the "financial freedom in 10 years or less" part. I believe that, no matter where you're starting from or what your current financial condition, you can build a plan to achieve financial freedom in 10 years or less. And, in today's show, I defend that statement to you. Enjoy, Joshua
Direct download: RPF0355-Financial_Freedom_in_10_Years_or_Less.mp3
Category:podcast -- posted at: 1:42pm MDT |
Thu, 30 June 2016
Today we continue our disability insurance series with a discussion of:
Enjoy! Joshua
Direct download: RPF0354-Disability_Insurance_Policy_Provisions.mp3
Category:podcast -- posted at: 4:20pm MDT |
Tue, 28 June 2016
Often very large financial goals can be achieved in a relatively short period of time if you focus enough on the goal and execute a plan with intense action. Today, I bring you the story and experience of a couple who did just that. Ben and Deb Martinek decided to become over-the-road truck drivers so that they could pay off their student loans in a very short period of time. They succeeded in paying off about $100,000 in debt in 2.5 years by driving a truck. And they had a great time doing it! Today we hear their story and ideas on how you can do something similar for yourself. Joshua
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Fri, 24 June 2016
On Fridays we do a live Q&A show here at Radical Personal Finance. If you'd like access to these calls, join here: www.RadicalPersonalFinance.com/patron Today we cover:
Enjoy the show! Joshua |
Thu, 23 June 2016
Today, we continue our series on "Living a Rich Life Now" by discussing material riches and how you can appreciate the ones you already have and enjoy more more material riches now, without waiting. Most people equate riches with things they have yet to buy. Largely, this is due to an effective marketing campaign by somebody with something to sell. But, many of us easily forget about all of the material riches we already enjoy. And, we neglect the easy ways we can live a rich life--perhaps even the lifestyle of a multi-millionaire--without the need to actually become a multi-millionaire. This show contains some of my ideas which will, I hope, provoke you to clarify your own definition of a rich life and start living it as quickly as possible! Joshua
Direct download: RPF0351-How_to_Live_a_Materially_Rich_Life_Now.mp3
Category:podcast -- posted at: 2:57pm MDT |
Tue, 21 June 2016
Radical Personal Finance is "a show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now while building a plan for financial freedom in 10 years or less." But, although I've been using this slogan for a while, I've never actually explained each of the statements in that slogan. And they're all important. Today, I tackle the first part: What does it mean to live a rich life now? There are immaterial aspects to a rich life and there are also material aspects to riches. Today we tackle the immaterial. Enjoy! Joshua
Direct download: RPF0350-Immaterial_Aspects_of_a_Rich_Life_Now.mp3
Category:podcast -- posted at: 2:14pm MDT |
Fri, 17 June 2016
I've previously stated that I don't understand why anyone would go into the field of medicine as a way of getting rich. I understand why people would want to do it because it fits their goals and personality and sense of calling, but I've always felt that it's a bad move financially. Even though you can earn a high income, there are a lot of disadvantages to the career! Well, my guest on today's show disagrees with me! He's a practicing physician and he thinks I'm dramatically misrepresenting the financial potential and payoff of medicine. I think you'll enjoy our debate! Joshua
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Tue, 14 June 2016
A lot of us face difficult situations. And it's tough to maintain a positive attitude. But, have you considered what some other people face? What would you do if you were facing a >70% unemployment rate in your town? What would you do if you were working a job that hadn't paid you in >6 months? What would you do if you had electricity for only 2 hours per day? After listening to today's show, I promise you'll look at the opportunities around you with a fresh appreciation. Enjoy! Joshua Bola's Fiverr profile: https://www.fiverr.com/ipriest Bola's publishing company: http://www.cryoutpublishing.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron |
Mon, 13 June 2016
June 1 is the start of hurricane season here in South Florida. June is always when I review my own hurricane preparedness plan and assess it for any weaknesses. I've also kept a close eye on the Fort McMurray wildfires and the economic crisis currently underway in Venezuela. Given these stark and vivid disasters, I've wanted to draw your attention to them as a way for you to consider how you're prepared to handle them. Today I focus on the importance of money--specifically having some available to you in times of crisis. Enjoy, Joshua
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Thu, 9 June 2016
Today I've invited Jules Haas on the show to talk real estate entity selection and estate planning. Jules has an especially interesting perspective given where he lives and practices law: downtown New York City. We discuss:
Enjoy! Joshua
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Wed, 8 June 2016
Today on Radical Personal Finance we veer into an interesting niche in the real estate market. Do you have an appreciated rental property with a lot of equity in it? Would you like to know how to transition out of that personally managed property into a professionally managed portfolio without paying capital gains taxes on the transfer? That's what today's interview is about. My guest is Leslie Pappas. She's an expert at using 1031 Exchanges and Delaware Statutory Trusts in a very specialized segment of the real estate industry. Enjoy learning about this niche! Joshua |
Mon, 6 June 2016
My guest on today's show is Mr. Groovy, writer at the eponymous website www.FreedomIsGroovy.com He reached out to me and pitched me for some exposure for his idea of a Junior IRA. I accepted his request and invited him on the show. I also thoroughly enjoyed hearing his story of getting free financially with a simple geographic move. There's a lesson in there for many of you. Enjoy the show! Joshua
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Fri, 3 June 2016
On Fridays, I do a live Q&A call for patrons of the show. Today we cover:
If you'd like to join a Q&A call, become a Patron of the show at www.radicalpersonalfinance.com/patron Joshua |
Wed, 1 June 2016
I'm always keeping my ears out for interesting ways to earn a living--or a side income. And today, I've got exactly that for you. My guest today is Brad DeGraw. Brad is an expert at selling stuff through Amazon. He claims to have started with $100 and a WiFi connection and to have turned it into over $1,000,000 in sales to date. Enjoy the interview! Joshua
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Tue, 31 May 2016
My guest today is Matt Hall. Matt is a financial advisor who learned the hard way what works and what doesn't in the world of financial advice. One of the missions of Radical Personal Finance is to pull back the curtain from the world of financial advice. I do my best to ask direct questions of financial advisors and give them an opportunity to share their perspective. Enjoy! Joshua
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Fri, 27 May 2016
On Fridays, we do a live Q&A show! Today, we cover:
Enjoy! Joshua
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Thu, 26 May 2016
Today we continue our disability insurance series. We cover:
Enjoy! Joshua
Direct download: RPF0339-LTD_vs_STD_Benefit_Elimination_Periods_etc..mp3
Category:podcast -- posted at: 1:12pm MDT |
Wed, 25 May 2016
Today we speak with Jeff, the Happy Philosopher. Jeff is a doctor who was finding himself increasingly dissatisfied with his job. Knowing that if he didn't make a change, he would find himself totally burned out, he managed to re-negotiate his work agreements in order to build a better lifestyle. This is an option that many of you should consider. Enjoy! Joshua
Direct download: RPF0338-Jeff_The_Happy_Philosopher_Interview.mp3
Category:podcast -- posted at: 2:29pm MDT |
Tue, 24 May 2016
If you could only choose one type of insurance coverage to have, I believe you should buy disability insurance. In today's show, I seek to persuade you to agree with me. In short, this is my sales pitch for disability income insurance. Enjoy! Joshua
Direct download: RPF0337-Why_You_Should_Buy_Disability_Insurance.mp3
Category:podcast -- posted at: 2:42pm MDT |
Fri, 20 May 2016
On Fridays, we have Q&A! And today, I have some fun questions for you.
If you'd like to participate in a Friday call, join the show as a Patron! www.radicalpersonalfinance.com/patron Joshua |
Fri, 20 May 2016
I've decided--after many, many requests--to offer paid phone consulting to you, the audience. If you would like to consult with me on any topic of your choice, I'm now available to you! (Just use this link: https://radicalpersonalfinance.com/phonecall ) I think you'll be interested in the backstory of why I've gone back and forth on offering this service. A new technology offering is what has made the difference. Listen to the show for details. Oh, and by the way...I want you to copy me! For some of you, this might be a sweet little business idea for you! Joshua
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Wed, 18 May 2016
334-How & Why to Go Independent as a Financial Advisor: Interview with Financial Advisor Sean Kernan
Ever wondered what the actual practice models are for financial advisors? Today, I've invited Sean Kernan on the show to talk about the inside business of financial advice. Sean is a financial advisor who started his career at the large wirehouses and later transitioned to be independent. Since then, he's started a website and podcast to help other advisors called "How to Go Independent." If you'd like to listen in on two financial advisors discussing what the industry is actually like on the inside, enjoy this show! Joshua
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Mon, 16 May 2016
Today on RPF, I answer your questions:
Enjoy the show! Joshua
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Wed, 11 May 2016
Today on RPF, I answer your questions!
Enjoy the show! Joshua
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Tue, 10 May 2016
My guest today is Chad Carson. Chad is a real estate investor and financial freedom pursuer. I've invited him on today's show to share his story of how he began investing in real estate with no money and how he's built his empire to a place of financial freedom today. Enjoy!
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Thu, 5 May 2016
Today on Radical Personal Finance we dig into the topics of living cheap and well! My guest is quite the radical guy and he's here to share with us what he's learned regarding:
Enjoy the show! Joshua
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Mon, 2 May 2016
Marketplace lending (a.k.a. peer-to-peer lending) is steadilyadvancing in impact and popularity. Although it's certainly not yeta dominant form of cashflow for borrowers nor is it a dominantinvestment choice for investors, it is on the steady growth and itsimpact is being felt. My guest today is a front-seat commentator and active investorin this marketplace. Peter Renton is the founder of LendAcademy.com and the LendItconference. He's here today to bring us up to speed on the peer-to-peermarketplace! Enjoy! Joshua
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Fri, 29 April 2016
On Fridays, we do a live Q&A call. If you'd like to join the call, sign up here: www.radicalpersonalfinance.com/patron Today we discuss:
Enjoy! Joshua |
Wed, 27 April 2016
Medical expenses represent a large percentage of our lifetime expenditures. But do they need to? My guest today is a practicing physician and he's here to share with us where we can rationally cut back and scrimp and save when it comes to medical expenses. This area of thought is one of the most taboo areas when it comes to frugality. Many people who are otherwise quite frugal have an immediate, visceral reaction of condemnation when someone announces they're making different medical decisions in order to save money. But is this the correct reaction? Or can someone rationally think for themselves and pick and choose the medical care that's right for them? You be the judge of that! Joshua
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Tue, 26 April 2016
Immigrants to the United States are much more likely to become millionaires than are natural-born citizens. And although my guest today lives in Canada, the parallel is clear. Dan Lok had a challenging beginning to his career, not the least of which was that he had to begin with learning and improving his English language skills! His foray into the world of employment came as a 16-year-old earning minimum wage. He quickly realized that he needed to go into business for himself and he hasn't looked back. Today, he is a multi-millionaire and owner of multiple, highly profitable businesses. I've invited Dan on to today's show to learn from his experiences and insights. Enjoy this unique look into an entrepreneur's story and lessons learned! Joshua
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Mon, 25 April 2016
I love to explore interesting financial markets which are accessible to the common person who demonstrates a little bit of interest. Today we dig into one such market: guns. I've invited James Wesley, Rawles onto the show today to discuss how you can intelligently invest in guns as a means to wealth. We cover:
Enjoy the show! Joshua
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Fri, 22 April 2016
On Fridays, we do Q&A! Today we cover:
If you'd like to participate in these Friday calls, become a patron of the show at www.radicalpersonalfinance.com/patron Enjoy! Joshua |
Thu, 21 April 2016
One of our primary charges as parents is to raise our children from dependency to maturity and independence. One major component of this task is to teach them to be economically self-sufficient. How do we do this? Where does it start? Well, I believe we need to tackle this at a very young age. The earlier the better. In today's show, I'll tell you my ideas on the topic. Enjoy! Joshua
Direct download: RPF0323-Teach_Your_8-Year-Old_to_Earn.mp3
Category:podcast -- posted at: 1:37pm MDT |
Wed, 20 April 2016
My guest today is Nicole Bryan. Nicole began her career as a schoolteacher with a pile of student loans. Today, she is on track to be financially independent by her 40th birthday. Her story will be incredibly valuable for you as it will demonstrate the feasability of achieving financial freedom for almost all of us! Listen and enjoy! Joshua
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Mon, 18 April 2016
My guest today is Michael Melissinos. Michael is a trend-following investment manager who has systematically built his own firm over the past few years. Michael's story presents both a case study of entrepreneurship (how to go from jobs that are poorly suited to you to an entrepreneurial venture) as well as insight into various aspects of trading from a trend-following perspective. Enjoy the show! Joshua
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Fri, 15 April 2016
RPF is on Spring Break this week so I'm posting some different content than my normal show. This is a speech that I gave to a local podcasting meetup group here in South Florida called "Breaking all the Rules of Podcasting." It contains my advice to a roomful of new and aspiring podcasters. The speech was delivered on 09/12/2015.
Direct download: RPF0320-Speech_to_South_Florida_Podcast_Group_on_9-21-15.mp3
Category:podcast -- posted at: 4:00am MDT |
Thu, 14 April 2016
(RPF is on Spring Break this week, so I'm sharing some interviews with you where I've been featured on other shows. Enjoy! -Joshua) “I don’t think failure is a mark of shame. Failure and mistakes are inevitable.” Things Joshua talks about in this episode:
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