Radical Personal Finance
1,310 episodes - English - Latest episode: 26 days ago - ★★★★ - 1.8K ratingsJoshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
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Episodes
559-Radical Housing Ideas (2 of 5): Tax-Free Wealth By Fixing Up Your Own Home
July 13, 2018 19:46 - 13 minutes - 12 MBPart 2 of our 5-part series on radical housing. Joshua
559-Radical Housing Ideas (1 of 5): Learn the Skills and Build Your Own House
July 12, 2018 21:15 - 17 minutes - 15.7 MBToday, we begin part 1 of a 5-part series on housing ideas. Enjoy! Joshua
558-Friday Q&A: a Financial Independence Checkup, Investing in Private Businesses, How to Do Productive Work While Traveling
July 06, 2018 22:20 - 1 hour - 61.2 MBIt's Friday! That means live Q&A! Today we cover: A Financial Independence Checkup Investing in Private Businesses How to Do Productive Work While Traveling If you'd like to join us on next week's Q&A, join here: www.radicalpersonalfinance.com/patron Joshua
Celebrate Independence Day by Refusing to Lie: "Live Not By Lies" by Alexander Solzhenitsyn
July 04, 2018 06:00 - 13 minutes - 12.5 MBToday is July 4, Independence Day, in the United States. Let's celebrate by actually behaving independently and rejecting the practice of lying. Enjoy this essay by Alexander Solzhenitsyn, entitled "Live Not By Lies." Joshua Written version: http://www.orthodoxytoday.org/articles/SolhenitsynLies.php
557-You Have the Right to be Financially Independent. Act Like It!
July 02, 2018 18:16 - 33 minutes - 31.7 MBYou already have an unalienable right to liberty. Now act like it and stop selling yourself back into slavery. Please! Joshua
556-Friday Q&A: Careers in Financial Advice, Should I Convert My IRA to a Roth, What Should I Save Money For?
June 29, 2018 20:18 - 1 hour - 76.7 MBIt's Friday! And Q&A is back! (From the road, no less.) Today, we discuss: Careers in Financial Advice Should I Convert My IRA to a Roth What Should I Save Money For? Enjoy! Joshua Join us on next week's call! www.radicalpersonalfinance.com/patron
555-Good, Cheap, and Fast! (A Travel Story)
June 26, 2018 15:24 - 35 minutes - 32.7 MBI'm very happy to be podcasting to you today from the road! We have officially hit the road and are on our trip. The last two weeks have been a tiring blur. Our tow vehicle was stolen 5 days before we were scheduled to leave on our full-time RV trip! In today's show, I share a bit of the story with you as well as my own philosophy on how to negotiate the Good/Cheap/Fast triangle. Enjoy! Joshua
554-How to Maintain Financial Peace in the Midst of Turmoil
June 12, 2018 20:00 - 39 minutes - 36 MBMy life has been quite unique and frothy in the last week or so. Here are some tools I use to maintain financial peace in the midst of the turmoil. Joshua
553-Consider the ROI You're Getting On Your Children's Education
June 07, 2018 02:17 - 1 hour - 66.9 MBI encourage you to carefully consider the ROI you're getting on the money and time you and your children are investing into their education. Is it paying off? Are you getting a good deal? Joshua p.s., I recorded this in April. It's an episode that I spiked and chose not to release (this isn't uncommon). But I changed my mind and decided to let you decide if you're interested or not. :)
552-How to Achieve Your Adventure Faster Than You Ever Thought Possible
June 04, 2018 15:03 - 38 minutes - 34.9 MBYou probably have an adventure goal locked up inside of you. Most people do. And you probably have put it off because you see no way to accomplish it. Today, let me give you some ideas about how you can accomplish it faster than you ever thought possible. Joshua Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron
551-Friday Q&A: Am I Financially Independent, Should I Switch Life Insurance Agents, Should I Engage in Tax-Gain Harvesting
June 01, 2018 18:12 - 42 minutes - 39.3 MBIt's Friday! That means Q&A. Today, we cover: Am I Financially Independent? Should I Switch Life Insurance Agents? Should I Sell Investments and Trigger a Taxable Gain? Joshua To join next week's call, please sign up on Patreon: www.radicalpersonalfinance.com/patron
550-How Much Does It Cost You To Live Today?
May 31, 2018 20:58 - 17 minutes - 15.8 MBCalculate your daily cost of living. Then analyze it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron
549-It's Always Cheaper to Feed the Meter than to Pay the Ticket
May 29, 2018 19:14 - 13 minutes - 12.5 MBIn life, you'll always find that it's cheaper to feed the meter than to pay the ticket. Be proactive. Joshua Please support RPF on Patreon. http://radicalpersonalfinance.com/patron
548-Christian Economics: An Interview with Dr. Gary North
May 18, 2018 17:32 - 2 hours - 157 MBDr. Gary North has dedicated 10 hours per week for the last 40+ years to the task of investigating what the Bible has to say about economics. In the process, he has written a verse-by-verse commentary of the entirety of the Old Testament and the New Testament (totaling 8,550 pages). He is now in the process of publishing his capstone works titled: Christian Economics. He has published the Student's Edition and Teacher's Edition (free at link below) and is working on the Scholar's Edition...
547-How to Increase Your Income When You've Lost Your Health
May 15, 2018 20:49 - 50 minutes - 45.9 MBI have a listener who wrote to me and asked me how they can increase their income when it's been decimated by a cancer diagnosis. I do my best to help. Joshua Please sign up for the #IncreaseIncome course today! Price goes up $100 tomorrow. http://www.radicalpersonalfinance.com/increaseincome
546-Q&A: How to Increase Profit from a Consulting Business, How to Build an Advice Business, How to Maximize Revenue from a Construction Company, How to Transition Careers
May 14, 2018 20:36 - 1 hour - 64.9 MBToday we do live Q&A on career-related questions. Listen to the show and, if you think I give decent advice, sign up for my new Career & Income course here: http://www.radicalpersonalfinance.com/increaseincome Buy now if you want the best deal! (Price goes up by $100 on Wednesday, May 16!) Topics include: How to Increase Profit from a Consulting Business How to Build an Advice Business How to Maximize Revenue from a Construction Company How to Transition Careers Joshua http://www....
545-How to Protect the Experience of Your Rich Life with Good Digital Fences
May 11, 2018 20:49 - 52 minutes - 48.4 MBToday, a few quick announcements and a discussion of how I went from confident and focused to frazzled and weak in about 3 hours...because I logged on to Facebook. Announcements: If you're a Patron and are missing your coupon code to sign up for the #IncreaseIncome course, email me. I'm hosting a live Q&A call for you (as long as you have a question related to your career and income) on Monday, May 14 at 3pm Eastern. Call in number is 561-440-7362. Email me if you have questions about...
544-How Much Money Do You Need to Earn To Live the Good Life?
May 10, 2018 18:54 - 40 minutes - 37 MBOn today's show, I talk to you about your income goals. Specifically, I lay out some sample budgets given various incomes and discuss with you the specific amount of income I believe you should target. Enjoy! Joshua Please sign up for my course! Price goes up this Tuesday, May 15, so sign up now for the best deal! www.radicalpersonalfinance.com/increaseincome
543-How to Save More Money Without Hurting Your Lifestyle
May 09, 2018 17:48 - 38 minutes - 35 MBMany people think that saving more money is going to mean they have to live like a pauper. But it doesn't have to be like that. There is another way...a way to save more money and live a fancier lifestyle at the same time! Joshua Please buy my #IncreaseIncome Course! Price goes up on May 15, so buy now for the best deal. (30-day money-back guarantee) www.radicalpersonalfinance.com/increaseincome
542-Should You Choose Work You Love or Work That Makes the Most Money?
May 07, 2018 22:30 - 18 minutes - 17.3 MBI'm back! More soon, Joshua
541-How to Protect Your Family From Your Death When You Can't Qualify For Life Insurance
April 19, 2018 20:52 - 1 hour - 72.7 MBI recently worked with a consulting client who had this problem: because of a previous (serious) cancer diagnosis, he is unable to qualify for life insurance. How can he protect his family in case he dies soon? I thought it a really interesting challenge. And since I've thought a lot about this particular problem, I thought I'd go ahead and share my thoughts with you. Enjoy! Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron Episode 204: High Risk Life Insu...
The Law by Frédéric Bastiat (i.e., my 2018 Tax Day celebration)
April 17, 2018 21:36 - 2 hours - 115 MBToday on Radical Personal Finance, we celebrate Tax Day in the United States (April 17, 2018). As we all reflect on the actions of the government we US Americans have just supported with our tax money, I thought it would be a good day to read to you a very helpful essay called, The Law. The Law was written in 1850 by Frédéric Bastiat, a French economist. If you haven't previously read this essay, be fo rewarned that the first third is fast-moving and the last third is fast-moving, but...
540-Is US Government Bankruptcy a Sure Thing? A Friendly Debate with David Stein, Host of Money for the Rest of Us
April 12, 2018 19:53 - 53 minutes - 48.9 MBOn Episode 466 of Radical Personal Finance, I discussed the idea of the US Government's certain default on its stated obligations and commitments by referencing Professor Lawrence Kotlikoff's Congressional testimony on this subject. After that show, my friend David Stein (host of Money for the Rest of Us) emailed me to tell me that I was wrong. :) So, I invited him on the show to debate it with me. Enjoy! Joshua Here's the previous show on Kotlikoff's work: https://radicalpersonalf...
539-Friday Q&A: Should I Use an HSA Account to Pay for Medical Expenses, What Tools Will Help Me Find a New Career, Should I Participate in My Company's Non-Qualified Deferred Compensation Program?
April 06, 2018 21:13 - 50 minutes - 46.2 MBIt's Friday! Today we discuss: Should I use an HSA account to pay for my medical expenses? What tools can I use to figure out a new career after unexpectedly coming back from foreign missions? Should I participate in my companies Non-Qualified Deferred Compensation program? Enjoy the show! Joshua This is the David Watson book I referenced.
Money vs. Meaning-"The Drum Major Instinct" by Dr. Martin Luther King, Jr.
April 04, 2018 16:22 - 29 minutes - 27.1 MBIn honor of the 50th anniversary of Dr. Martin Luther King's death on April 4, 1968, I thought you might enjoy hearing some of the audio from his last public sermon. This talk is entitled "The Drum Major Instinct." This sermon was preached in the pulpit of Ebenezer Baptist Church, about two months before King's death. The sermon was an adaptation of the 1952 homily ‘‘Drum-Major Instincts’’ by J. Wallace Hamilton, a well-known, liberal, white Methodist preacher. NOTE: I have clipped off...
538-Making Sense of the New Car/Used Car Dilemma
April 03, 2018 20:27 - 39 minutes - 36.6 MBToday, a prelude to a discussion of how to lease a car. In this show we discuss a rational analysis of new car vs. used cars. Enjoy, Joshua Please support RPF on Patreon! www.radicalpersonalfinance.com.patron
537-Friday Q&A: Transitioning from PC to Mac, Enhancing a Personal Website By Helping Others, Financial Advice for an 18-Year-Old Rockstar, Major Financial Influences on Joshua
March 30, 2018 17:15 - 1 hour - 82.8 MBIt's Friday and it's time for a live Q&A show! If you'd like to call in next week, please sign up here: www.radicalpersonalfinance.com/patron Today, we discuss: Transitioning from PC to Mac Enhancing a Personal Website By Helping Others Financial Advice for an 18-Year-Old Rockstar Major Financial Influences on Joshua Enjoy! Joshua p.s., remember...I'd love to talk to you next week! www.radicalpersonalfinance.com/joshua
536-The Way to Wealth by Benjamin Franklin
March 26, 2018 12:50 - 28 minutes - 26.5 MBOn today's show we go back 250 years to see what lessons for wealth we can learn from Benjamin Franklin. This show is an audio recording of Franklin's essay, "The Way to Wealth." Enjoy! Joshua Here's a text version of Franklin's essay: https://liberalarts.utexas.edu/coretexts/_files/resources/texts/1758%20Franklin%20Wealth.pdf Please support RPF on Patreon: www.radicalpersonalfinance.com/patron
535-Responding to Listener Comments on An Error in Real Estate Basis Calculations, Radical Financial Plans vs Traditional Plans, What Happened to SudoPay, and More!
March 23, 2018 21:04 - 1 hour - 58 MBIt's Friday! Today I'm interacting with your comments on recent episodes of the show. We discuss: Correcting an error on real estate basis Radical financial plans vs traditional plans What happened to SudoPay And more! Joshua Book a consulting call with me. (It's on sale!) www.radicalpersonalfinance.com/phonecall
534-Friendly Advice To Help You Buy Your First AR15 Rifle
March 21, 2018 01:38 - 58 minutes - 54 MBThis show rounds out some friendly advice to help any interested listener who wants to put together a well-equipped home armory to do so in a thoughtful and financially prudent way. Today, we tackle the AR15 rifle. The AR15 is a wonderful rifle. It's not the best at any one thing, but it is truly good at many things. I'd love for you to have one if you don't already. So I thought you might appreciate some advice on how to get a good deal on one. Enjoy! Joshua p.s., In the show I ...
533-Friday Q&A: AirBnB Business Deductions, Deductibility of Losses on a Personal Rental, How to Get Great Podcast Guests
March 16, 2018 19:34 - 39 minutes - 36.5 MBIt'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
532-Spending Money to Save Money
March 14, 2018 13:35 - 22 minutes - 20.7 MBToday, some ideas on how to save money by spending a little more than strictly necessary to insulate yourself from unnecessary temptation. Joshua Please support RPF on Patreon! www.radicalpersonalfinance.com/patron
531-Friday Q&A: How to Establish a Will & Trust While Living Internationally, How to Title Life Insurance Policies for Spousal Protection
March 09, 2018 18:37 - 59 minutes - 54.2 MBIt's Friday! That means Q&A! Today, we cover: How to establish a will and trust when you plan to be living internationally for an extended period of time. How to plan ahead to pay for kids' college when you anticipate that the college may lose its accreditation. How to properly title your life insurance policies in order to protect a vulnerable spouse.
530-How to Build a Useful Home Armory That Won't Lose Monetary Value and May Save Your Life
March 06, 2018 22:06 - 1 hour - 81.9 MBGuns are great investments. Well, perhaps I should say that it's possible for guns to be great investments...and at the worst, they are a decent store of value. If you've never owned a firearm, I'd like to share with you a thoughtful, reasonable path into gun ownership that will help you to make good decisions and get the most bang for your buck. In today's show I lay out for you a sensible approach to gun acquisition that will help you to construct a useful home armory that will allow...
529-Friday Q&A: How to Protect From Disability Without Disability Insurance, How to Cover Unknown Future Risk, How Should I Finance a Land Purchase, Will My Credit Score Be Messed Up By Mortgage Shopping, How to Adjust Content for Different Audiences
March 02, 2018 18:16 - 1 hour - 76 MBFriday Q&A today! We cover: How can I protect myself from the risk of disability without getting disability insurance? How can I make sure that future, unknown risks are adequately covered today? What financing option should I use to buy a piece of land? Will my credit score be messed up by shopping for a mortgage? How can I adjust content for different audiences? I'd love to have you call in next week! Details here: www.RadicalPersonalFinance.com/patron Joshua
A Nation of Cowards by Jeffrey Snyder (audio version)
March 01, 2018 21:08 - 36 minutes - 42.2 MBThis is the audio recording of an essay published in the Fall of 1993 in The Public Interest magazine. The essay is titled: "A Nation of Cowards" by Jeffrey Snyder. You can access a text version of this essay here: http://rkba.org/comment/cowards.html I'm publishing this essay for you as a thought-provoking defense of the morality of your being well-armed. In today's political climate where critics are drawing a moral equivalence between mass murderers and an average armed citizen, ...
528-Tools and Tactics for Self-Defense in a Non-Permissive Environment (like a school)
February 27, 2018 22:10 - 1 hour - 83.1 MBThe tagline of RPF is "...living a rich life now..." But it's hard to LIVE a rich life if you're dead. So I'd like to help you--and others--have a higher potential of staying alive. I have looked and looked for practical responses to the recent school shooting and have found very few. This is my best effort to help you with some practical solutions to the problem. I did my best in today's show to keep it free of politics and free of guns. (To be fair, I think it's best to say it's p...
527-How to Buy a Used Car
February 22, 2018 20:09 - 1 hour - 58 MBAs a--ahem--more practical follow-up to yesterday, here is my advice for a listener on how to buy a used car. Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron
526-You Bought a Pickup Truck? You Idiot!
February 21, 2018 16:09 - 26 minutes - 31.3 MBFlipping through my feed and I cannot believe what you just did. You idiot! Joshua Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron
525-Living on Lentils and Serving the King
February 20, 2018 17:12 - 4 minutes - 5.27 MB“The philosopher Diogenes was eating bread and lentils for supper. He was seen by the philosopher Aristippus, who lived comfortably by flattering the king. Said Aristippus, ‘If you would learn to be subservient to the king, you would not have to live on lentils.’ Said Diogenes, ‘Learn to live on lentils, and you will not have to be subservient to the king.’ ” – from “The Song of the Bird” by Anthony de Mello Please support RPF on Patreon: www.RadicalPersonalFinance.com/patron
524-Why You Shouldn't Use Your 401(k) Money To Pay off Credit Card Debt When You're Unemployed
February 19, 2018 17:13 - 32 minutes - 30.6 MBToday we answer this question: "I have accumulated $6,000 in credit card debt from a period of unemployment; should I use some of the $10,000 I have in my 401(k) to pay it off?" Enjoy, Joshua Please support the show: www.RadicalPersonalFinance.com/patron
523-Last Week's Fiscal Catastrophe and Your Response
February 14, 2018 20:56 - 1 hour - 73.3 MBIf you want happy-go-lucky, unicorns-and-balloons-in-the-sky Joshua, skip today's show. If you want angry Joshua to opine on his disgust with the US American politicians' lack of fiscal restraint and the long-term catastrophe that is the US American budget, then you'll enjoy today's show. Enjoy. Joshua David Stockman: The Night of Fiscal Infamy http://davidstockmanscontracorner.com/the-night-of-fiscal-infamy/ Mirror, Mirror on the Wall, Obama Definitely Was Not the Biggest Spender ...
522-Feeling Poor This Valentine's Day? Money Can Buy You More Love...if You Handle It Right
February 09, 2018 19:33 - 1 hour - 77.7 MBLove isn't primarily a feeling. Love is an action. Love does. You can show love with money in many ways, but a massively powerful way is by giving. Here are some ideas and thoughts to encourage you to build more love in your life by giving more. Joshua
521-How We Chose Our RV for Full-Time Living On The Cheap For a Family of Five
February 08, 2018 18:13 - 1 hour - 57.7 MBI thought you might be interested in some behind-the-scenes discussion of how we recently bought our rig for an intended full-timing RV trip around the USA this summer. We did some things well and made some big mistakes. I hope you learn from both! Joshua
520-Coming to See you in 2018!
February 07, 2018 20:29 - 58 minutes - 54 MBMrs. RPF and I are excited to announce some of our plans for a nation-wide tour during 2018. Details in the show! Joshua
519-How to Get More Free Stuff!
January 31, 2018 22:42 - 19 minutes - 19.4 MBIn today's show I'm going to teach you one simple technique that will help you get more stuff for free. Try it and see! Joshua Please support Radical Personal Finance on Patreon! www.RadicalPersonalFinance.com/patron
518-Tools, Tips, and Techniques for Cooking on the Road (So You Can Actually Afford to Travel with Children!)
January 25, 2018 20:38 - 1 hour - 70.7 MBFeeding yourself (and especially children!) on the road can utterly destroy your budget. Here are some tips and tricks I've learned that will be helpful to you. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron https://cheftessbakeresse.blogspot.com/
517-Isaiah's Job
January 24, 2018 20:32 - 38 minutes - 35.3 MBThis is an essay that has been deeply influential on my life. I hope you find it insightful and thought-provoking. "Isaiah's Job" by Albert Jay Nock was first published in The Atlantic Monthly in 1936. The written text of the document may be found here: http://traffic.libsyn.com/radicalpersonalfinance/Isaiahs_Job_by_Albert_Jay_Nock.pdf Joshua
516-Don't Let Your Pursuit of Money Ruin Your Life
January 23, 2018 20:12 - 24 minutes - 23.4 MBMoney is important. But it's not #1. Joshua On the Importance of Putting First Things First by JD Roth Support RPF on Patreon: www.radicalpersonalfinance.com/patron
515-Battling Social Sneetchery: 3 Strategies to Consider when Confronting Peer-Pressure Spending
January 22, 2018 17:30 - 51 minutes - 47.2 MBSocial Peer Pressure is significant. And it affects most of us with regard to our spending. Here are three strategies I think through when considering how to combat it. Joshua Please support RPF on Patreon: www.radicalpersonalfinance.com/patron