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:

• catastrophic protection
• deductibility
• HSA compliance
• pre-existing conditions

We also discuss:

• Self-Insurance
• Direct Primary Care/Concierge Care
• Catastrophic Coverage
• Dread Disease/Critical Illness Insurance
• Doctors on Call

Enjoy!

Joshua

• Start your new year off right by mastering your budgeting. www.radicalpersonalfinance.com/YNAB
• Support RPF on Patreon! www.radicalpersonalfinance.com/patron
• Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

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.

Perhaps the Health Care Sharing Ministries shouldn't be in this series because they are not actually health insurance.

But, if you're a participant in an approved organization, you qualify for an exemption to the Obamacare tax penalty (for not having health insurance).

Personally, I love the concept of these organizations and I have nothing but good things to say about my experience with Samaritan Ministries (which is the one that my family participates in).

In today's show I give you a background of these companies and my own experience and opinion of them.

There are 5 major options for you:
1. Samaritan Ministries http://samaritanministries.org/ 
2. Christian Healthcare Ministries http://www.chministries.org/ 
3. Medishare – Christian Care Ministry https://mychristiancare.org/medi-share/ 
4. Liberty Health Share http://www.libertyhealthshare.org/ 
5. Altrua Health Share http://altruahealthshare.org/ 

Enjoy the show!

Joshua

p.s., if you join Samaritan Ministries, please remember to tell them that “Joshua Sheats” sent you so that I can get a small discount!

• Start your search for a financial advisor here: www.radicalpersonalfinance.com/paladin
• Listen to the Jack Waymire interview here: www.radicalpersonalfinance.com/284
• Join our RPF Facebook community! https://www.facebook.com/groups/RadicalPersonalFinance/
• Please leave an iTunes review for me! https://itunes.apple.com/podcast/radical-personal-finance/id896153632?mt=2&ls=1
• Please support me financially on Patreon. www.radicalpersonalfinance.com/patron
• Book a consulting call with me here: www.radicalpersonalfinance.com/phonecall
  
  

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:

• How to calculate the tax penalty
• What happens if you don't pay the penalty
• All of the exemptions that you can qualify for

Enjoy!

Joshua

• Book a consulting call with me here: www.radicalpersonalfinance.com/phonecall
• Support RPF on Patreon! www.radicalpersonalfinance.com/patron
• Please leave a review for my show on iTunes! https://itunes.apple.com/podcast/radical-personal-finance/id896153632?mt=2&ls=1

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

• Get Nathan's Book on Amazon: "Equity Crowdfunding: The Complete Guide for Startups and Growing Companies"
• Or get a free sample chapter from his website: http://assembleadvisory.com/book/
• Please support me on Patreon! www.radicalpersonalfinance.com/patron

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

• Join the RPF Facebook group! (It's free now!) https://www.facebook.com/groups/RadicalPersonalFinance/
• If you'd like to calculate your hourly wage, try this quick little calculator I made: https://docs.google.com/spreadsheets/d/1de4hvloZAoAXJCOsE9DZuRAAeNdO2skAIIxhR6lxGYU/edit?usp=sharing
• Please support me on Patreon! www.radicalpersonalfinance.com/patron

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

• Last-minute tax planning ideas for you: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/
• Take Michael Hyatt's awesome Life Score Assessment to help give you clarity on your success in 10 areas of your life: http://bestyearever.me/a18455/2017assessment