Radical Personal Finance

By Joshua Sheats

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Subscribers: 1291
Reviews: 8
Episodes: 1023

 Feb 28, 2020
deep technical financial expertise paired with novel and interesting perspectives.

 Feb 17, 2020
Great show. Joshua likes to dive deep into topics and gives actionable tips. Shows can be radical, hence the name, and the different view point helps you widen your view.

 Feb 14, 2020
Favorite finance podcast. Joshua always has advice you can work with no matter your current financial situation.

 Aug 16, 2019
This is my favorite personal finance podcast. If you are interested in personal finance of a radical and responsible nature, give this one a listen.

 Feb 13, 2019


Joshua 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.

Episode Date
951: Friday Q&A: Working in Dubai, Learning French, Early Retirement, Die with Zero, Argentina Hyperinflation, etc.

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

  • 00:48 I just moved to Dubai for work. What should I do first?
  • 16:29 Should I have my 7-year-old learn French by reading?
  • 30:53 I'm ready to retire early...or am I?
  • 47:27 Do I agree with the concepts in Die With Zero by Bill Perkins?
  • 1:01:52 Can I get a great deal on property in Argentina or Venezuela due to the hyperinflation there?
  • 1:10:40 Should I consider moving abroad with my young children?
  • 1:19:09 If we're not going to start non-profits, what should we do?
  • 1:40:00 How does Joshua do consulting calls?



Jun 02, 2023
950: Friday Q&A: Reduce Taxes in Retirement, Transfer Money Abroad, Alternatives to USA, Rip-offs, etc!

On today's Friday Q&A show we discuss:

  • 00:47 How do I reduce my taxes in retirement?
  • 19:08 How do I transfer my money abroad when I move abroad?
  • 34:20 What country should I go to where things are better than the USA?
  • 1:15:31 How do I set up an archive of all of my personal information products?
  • 1:32:02 How do I work with my siblings to provide proper care for mom and dad?
  • 2:07:12 I got ripped off! Now what can I do?


May 26, 2023
949: How to Invest in Your Children at a Very Young Age, Addendum: Invest in the Social Climate and Environment of your Children.
May 25, 2023
948: Complementary Redundancy
May 24, 2023
947: How to Buy Inexpensive Airplane Tickets So You Can Travel the World
May 23, 2023
946: The Camel Trader of Babylon
May 03, 2023
945: May Your Aspirations and Ambitions be Higher Than Mere Wealth

Text from Theodore Roosevelt's speech "Citizen in a Republic" (known popularly as "Man in the Arena"), delivered at the Sorbonne, in Paris, on April 23, 1910.

May 01, 2023
944: Listen to This When You've Reached Your Limit and Can't Go On
May 01, 2023
943: Friday Q&A: How to Teach Your Children a Language You Don't Speak, How to Evaluate a Move to a New State

On today's Q&A we discuss:

  • 00:45 How do I teach my children a language that I don't speak?
  • 20:15 How do I evaulate moving to a new state?
Apr 28, 2023
942: Don't Start or Donate to a Not-For-Profit Organization (until you consider this...)
Apr 27, 2023
941: The Walls of Babylon
Apr 26, 2023
940: How Much Land Does a Man Need? by Leo Tolstoy
Apr 26, 2023
939: The Gold Lender of Babylon
Apr 26, 2023
938: The Tragic End of Billionaire Tony Hsieh
Apr 25, 2023
937: Friday Q&A: Robo Advisors, Umbrella Liability Insurance, Career Planning

On today's Q&A show we discuss:

  • 00:45 Should I switch from a robo advisor to something else?
  • 12:27 Should I buy umbrella liability insurance?
  • 21:40 Where do I turn for career advice?

To join next week's show, go here! https://patreon.com/RadicalPersonalFinance 


Apr 24, 2023
936: How to Invest in Your Children at a Very Young Age, FINALE: How Cornelius Vanderbilt Invested Into His Children

Book a consulting call with me today: https://radicalpersonalfinance.com/consult 

Apr 22, 2023
935: How to Invest in Your Children at a Very Young Age, Part 16: How Joshua Incorporates These Ideas Into His Daily Schedule

Only a few consultation slots left! https://radicalpersonalfinance.com/consult 

Apr 20, 2023
934: How to Invest in Your Children at a Very Young Age, Part 15: Invest Into the Emotional Stability and Sense of Significance of Your Children
Apr 19, 2023
933: How to Invest in Your Children at a Very Young Age, Part 14: Invest Into Developing a Philosophy and Spirit of Success
Apr 19, 2023
932: Scott Galloway and Chris Williamson on TikTok, Propaganda, and Divisiveness

This is clipped audio from a really interesting interview between Scott Galloway and Chris Williamson. It's a fascinating discussion on several levels. Enjoy! 

Original: https://youtu.be/Xw9_IMQ8TLY 

Apr 17, 2023
931: Friday Q&A: DNA Privacy, Low Mortgage Rates, Family Travel, Deep Work, IUL, etc.

On today's Q&A we discuss:

  • 1:00 The privacy of your DNA
  • 12:45 Should I sell my house with a low mortage rate?
  • 18:40 How should I travel as a family?
  • 31:46 How can I do more "Deep Work" as a financial advisor?
  • 41:18 I just bought an Indexed Universal Life Insurance policy...now what?
Apr 14, 2023
930: The 21st Century Superpower That Will Radically Increase Your Earnings and Impact
Apr 13, 2023
929: How to Invest in Your Children at a Very Young Age, Part 13: Teach Logic and Philosophy(So They Can Use Their Smart Brains Better)

If you're going to do all the hard work of helping your children develop strong bodies and powerful, capable brains, you also owe it to them to install a decent operating system. Make sure you teach them logic and philsophy as a good starting point.

Apr 12, 2023
928: How to Invest in Your Children at a Very Young Age, Part 12: Require Your Children to Memorize (and Teach Them How!)
Apr 11, 2023
927: How to Get a College Degree Cheap and Fast!
Apr 06, 2023
926: Is the US Dollar Losing Its Reserve Currency Status?

Global Currency: The US Dollar Ain't Going Nowhere https://youtu.be/LiR54FPQiCs 

Apr 05, 2023
925: How to Invest in Your Children at a Very Young Age, Part 11: Develop Artistic Ability and Appreciation (Cont.)

Book a consulting call with Joshua: https://radicalpersonalfinance.com/consult 

How to do Music Study: https://youtu.be/wzoJfxhhBzo 

Apr 04, 2023
924: Friday Q&A: Practical Financial Planning Scenario, Sabbaticals, Homeschool Co-ops, Advice for Newlyweds

On today's Q&A show we cover:

  • 00:45 How do I solve a retiree's financial planning problems?
  • 29:00 How do I productively use a 4-month break?
  • 47:20 What's the benefit of a homeschool co-op?
  • 1:24:10 Advice for a newlywed?


Join me on next week's Q&A: https://patreon.com/radicalpersonalfinance

Hire me for a consulting call: https://radicalpersonalfinance.com/consult 

Mar 31, 2023
923: How to Invest in Your Children at a Very Young Age, Part 10: Develop Artistic Ability and Appreciation

Consulting is open during April: https://radicalpersonalfinance.com/consult

How to do Picture Study: https://youtu.be/mbtOryB6fc8 

Mar 30, 2023
Consulting Calls Now Open (With a Spring Sale Discount)

I've re-opened private consulting calls during April. Book now: https://radicalpersonalfinance.com/consult 

20% discount available for calls booked during April. (Only 100 available.)


Mar 27, 2023
922: Friday Q&A: Impact of AI, Retiring from the Military, Daycare Housing, Choosing Jobs, Working with Spouse, Etc.

On today's Q&A show we discuss:

  • 00:45 The impact of AI on the future of the world
  • 14:30 What should I do now that I'm retiring from the military?
  • 28:00 Should I buy a house to use as a daycare center?
  • 42:57 How do I choose between two potential jobs?
  • 1:14:25 Should I build a business with my romantic partner?
  • 1:54:00 How can I move to a new house without losing my low-interest-rate mortgage?

Enjoy the show! Join me next week: www.patreon.com/radicalpersonalfinance 


Mar 24, 2023
921: How to Invest in Your Children at a Very Young Age, Part 9: Develop Great Writers
Mar 22, 2023
920: The Current Challenges and What's Next...
Mar 21, 2023
919: How to Invest in Your Children at a Very Young Age, Part 8: Develop Multilingualism
Mar 15, 2023
918: The Five Laws of Gold

Chapter 5 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926



Mar 10, 2023
917: Friday Q&A: Birth Tourism, Choosing Books for Children, Saving Too Much Money, Develop Business to Full-Time

On today's Q&A show we cover:

  • 1:25 Advice for doing birth tourism in Mexico
  • 40:22 How do I choose books for my children that are at their proper grade level?
  • 51:36 Am I saving too much money?
  • 1:19:26 How do I develop my side business into a full-time business?
Mar 06, 2023
916: How to Invest in Your Children at a Very Young Age, Part 7: Don't Let Your Children Study Math Formally until Age 10

The article that I am using as a resource comes from the appendix of this excellent book by Harvey and Laure Bluedorn called "Teaching the Trivium: Christian Homeschooling in a Classical Style."

Feb 28, 2023
915: How to Invest in Your Children at a Very Young Age, Part 6: Catalyze Numeracy in Your Children
Feb 27, 2023
914: What Will Happen with Social Security and Medicare, and How Can You Prepare?
Feb 23, 2023
913: How to Invest in Your Children at a Very Young Age, Part 5: Help Your Children to Become Accomplished, Fluent Readers

If your children are accomplished, skilled, and experienced readers, they will be in the top ranks of their class and, more importantly, will be equipped to teach themselves everything that matters in their lives.



Feb 22, 2023
912: Friday Q&A: Increasing Reading, Investing Extra Money, Real Estate Seminars, Living in South Florida, Etc.

On today's Q&A we cover:

  • 1:08 What specific advice can we give to increase reading?
  • 8:13 How should I invest my extra money?
  • 17:44 What real estate seminar did Joshua avoid as a youngster?
  • 40:00 Where in South Florida should I live?
  • 53:44 When does it make sense to pay down extra on a mortgage?
  • 1:02:55 What can I do on vacation in Malta?

Enjoy! To join me next week: https://patreon.com/RadicalPersonalFinance


Feb 17, 2023
911: How to Invest in Your Children at a Very Young Age, Part 4: Give Your Children Words and Background Knowledge

If you want to develop the minds of your children, you need to give them words. Lots and lots of words.


Feb 10, 2023
910: How to Invest in Your Children at a Very Young Age, Part 3: Invest into Strong, Healthy, Athletic Bodies

As we continue our "How to Invest in Children" series, we move past those things that are in the past (mate selection, child gestation, and birth) and into those things that are applicable for all children: investing in our children's bodies, minds, and spirits. 

In today's episode we discuss how to invest into your children's bodies in real, meaningful ways.



Feb 07, 2023
909: How to Invest in Your Children at a Very Young Age, Part 2: Conception, Pregnancy, Childbirth

In today's episode we continue our discussion of how to invest in your children while young for the best chance of long-term success, with a primary focus on conceiving the healthiest baby and nurturing his best possible outcomes in utero and at birth.


Feb 03, 2023
908: How to Invest in Your Children at a Very Young Age, Part 1: Choose Great Parents!

I've long promoted investing in your children at an early age, believing that money spent on them while young returns far higher than money spent at a later age. In this series I will tell you how to actually do that.



Sign up for my newest class today, before the live event: http://hackproofcourse.com 

Feb 02, 2023
907: Friday Q&A: Why Hire a Financial Pro, Real Estate Education, Best e-Reader, Demographics and Real Estate, Etc.

On today's Friday Q&A we cover:

  • 1:55 Why should I hire a financial professional if I can do it myself?
  • 11:29 How do I educate myself about real estate?
  • 13:42 What's the best ereader to use?
  • 33:22 How do I plan a rental portfolio for demographic changes.
  • 44:40 Should I live close to extended family?
  • 1:13:51 What's great about the book Stolen Focus?
  • 1:20:41 How do I read to my children in Spanish?
  • 1:24:14 Where in Latin America should I buy a $50,000 condo?
Jan 27, 2023
906: Five Intelligent Financial Goals for You to Set in 2023!

Sign up before the price increase: http://HackProofCourse.com 

Jan 25, 2023
HACKPROOF: How to Beat Fraudsters, Prevent Identity Theft, and Say Goodbye to Cybercrime

My newest course is live. Sign up now! http://HackProofCourse.com 

Jan 09, 2023
905: Friday Q&A: Blue Collar Biz, Home Education, Books to Read, Motorcycle Riding, and More!

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

  • 2:38 How to start a blue collar landscaping business on the side.
  • 16:15 How do I decide my priorities when thinking about home education?
  • 1:17:59 What new books should I read this year? www.radicalbooklist.com
  • 1:56:00 How do I build a recession-proof job?
  • 2:17:24 How do I decide if riding a motorcycle is too dangerous for me?

Enjoy the show! To join me next week, go to https://patreon.com/RadicalPersonalFinance 


Jan 06, 2023
904: Encouragement for You as You Set Your New Year's Resolutions and Goals

I hate it when people make fun of New Year's Resolutions. Setting annual goals and making personal resolutions is a marvelous practice. Go for it!

In today's episode I want to share some lessons I've learned and encourage you how to do it in a way that make sense for you.



Dec 28, 2022
REPLAY: 838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

Today, let's discuss how you can enjoy a truly rich Christmas—nay, a truly rich life.


Originally released December 23, 2021

If you'd like to follow along with my reading, you can find the text here: https://www.gutenberg.org/files/19337/19337-h/19337-h.htm

Dec 14, 2022
903: Friday Q&A: New Job, Productivity Tools, Outsourcing to a VA, Bitcoin, Etc.

On today's Q&A we cover:

  • How do I go browse for a new job?
  • 17:47 What productivity tools does Joshua use?
  • 29:51 How do I outsource to a VA?
  • 37:43 What are Joshua's current thoughts on the state of Bitcoin?
  • 57:12 How do I help my 2-year old play alone?



Dec 09, 2022
902: How to Buy a Car, Part 5: The Single Best Technique to Source a Quality Used Car
Dec 08, 2022
901: Friday Q&A: Why You Should Maximize Tax-Deferred Plans, UTMA Accounts, Dividends on Whole Life, Asset Allocation, Business, Etc.

On today's Friday Q&A show we cover: 

  • Should I really maximize my investments into tax-deferred plans?
  • 15:38 What do I need to do with the UTMA account I have for my children?
  • 25:25 Why did my dividend disappear from my whole life policy?
  • 46:02 How do I learn about asset allocation?
  • 1:02:24 How do I size and structure my children's life insurance policies?
  • 1:21:15 Should I start a business while having young children?
  • 1:35:00 How can I teach my non-reading children a foreign language?
  • 1:54:20 How do I figure out if entrepreneurship is right for me?
Dec 05, 2022
900: Meet the Goddess of Good Luck

Chapter 4 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926



Dec 01, 2022
50% off digital courses (Black Friday Sale)

I'm running a huge Black Friday sale on all of my products. Save 50% with coupon code "blackfriday" at:

www.InternationalEscapePlan.com code "blackfriday"

www.BitcoinPrivacyCourse.com code "blackfriday"

www.RadicalPersonalFinance.com/consult (no code needed, book while available!)

Nov 25, 2022
Huge Black Friday Sale on Consulting (and why you should hire good consultants!)

Go here now and book a call. (Only 50 slots available!) www.radicalpersonalfinance.com/consult 

Nov 22, 2022
899: The Gods of the Copybook Headings with Terror and Slaughter Return!
Nov 16, 2022
898: What to Do If You've Just Lost All Your Money

A lot of my listeners are hurting due to the recent collapse of FTX. Here's what I would tell you face-to-face if you've just lost all of your money, regardless of the specific reason why.


Nov 11, 2022
897: Important Financial Lessons from the FTX Collapse
Nov 10, 2022
896: Friday Q&A: Citizenship by Investment, Marketing an RIA, Medicaid or Not, Learning Spanish, Wills & Trusts

On today's Q&A we discuss:

  • 3:00 Should I do a Citizenship by Investment or a Residency program to get a second passport?
  • 20:01 I'm starting a new Registered Investment Advisory firm. How should I market myself?
  • 33:56 Should I adjust my income low enough to get on Medicaid?
  • 42:06 What kind of wills and trusts do I need to protect my children?
  • 59:00 I'm moving to Mexico. How should I learn Spanish?
  • 1:24:17 Should I quit my job to start a business or just get a better-paying job?
Nov 04, 2022
895: Seven Cures for a Lean Purse

Chapter 3 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926



Nov 03, 2022
894: Friday Q&A: Houses & Down Payments, New Child, Famine, Farming, Etc.

On today's Q&A we cover: 

  • 1:15 Should I buy a house?
  • 22:38 Should I sell investments or drain my bank accounts for a house down payment?
  • 31:46 What do I need to do financially for my new child?
  • 50:00 Update on the famine discussion?
  • 1:00:00 How do I build a portfolio of ethical, diverse, sustainable farms?

To join me next week, go here: https://patreon.com/RadicalPersonalFinance 



Oct 28, 2022
893: The Richest Man in Babylon

Chapter 2 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926



Oct 25, 2022
892: Friday Q&A: Financial Coaching, Canada, Tax Planning, Franchise Business, Car Leasing

On today's Q&A we cover:

  • 1:30 How can I build a successful financial coaching business?
  • 38:56 How can Canada serve me in my internationalized life?
  • 52:00 What are my tax planning opportunities with a variable income?
  • 58:00 Should I buy a franchise business for my father?
  • 1:17:02 Should I lease a car?

To join me next week, go to https://patreon.com/RadicalPersonalFinance 



Oct 21, 2022
891: The Man Who Desired Gold

Chapter 1 of "The Richest Man in Babylon" by George Samuel Clason, published in 1926



Oct 20, 2022
Bitcoin Markets/Privacy Update (October)

Go to www.bitcoinprivacycourse.com and use promo code OCTOBER to save $50 (valid only in October).

Oct 13, 2022
890: Friday Q&A: Upgrade My House, Where to Move After Graduation, Future of the Stock Market, etc.

On today's Q&A we cover:

  • 1:37 Should I renovate my current house or sell and upgrade?
  • 17:24 I'm graduating with my master's degree in Germany...where should I go now?
  • 38:17 Why should I believe in the future of the stock market?
  • 1:08:31 How do I figure out what stuff to get rid of?
  • 1:24:57 Should I sign up my young son as an authorized user on my credit card?

Enjoy! Join me next week here: https://patreon.com/RadicalPersonalFinance 



Sep 23, 2022
889: How to Buy a Car, Part 4: Decide on a New Car vs. Used Car
Sep 20, 2022
888: Friday Q&A: Dual-Income to Single-Income, Cloth Diapers, Predicting the Future

On today's Friday Q&A show we discuss:

  • 1:00 We're going from a 2-income family to a single-income family. What should we do before that happens?
  • 5:13 Cloth diapers versus disposable.
  • 11:05 How to account for a new offshore property.
  • 15:28 Can we accurately predict the future?



Sep 15, 2022
887: The Joys and Trials of International Living-Interview with Mikkel Thorup

Mikkel Thorup was born and raised in Canada, but fled the country as a teenager. Since then, he has circumnavigated the globe over 400 times visiting more than 100 countries, and has called nine different countries home in his 20+ years of non-stop continual travel around the world.

On today's podcast we discuss the ups and downs, trials and triumphs of a hardcore expat lifestyle.




Sep 12, 2022
886: How to Buy a Car, Part 3: Decide How Much to Spend
Sep 07, 2022
885: Famine is Coming (This Episode Explains Why): Interview with Steven Harris

In today's podcast, Steven Harris and I discuss the STRONG likelihood of global famine over the coming years and carefully analyze the underlying causes of this concern.

I am deeply concerned about global food supplies over the next few years, due primarily to low fertilizer availability and high fertilizer cost. And, the disruptions in the energy markets (which you can see with the wild price hikes and shortages in so many places) are making everything massively worse.

I want you to understand what is happening so you can prepare appropriately both defensively and offensively.


  • Steven's website: www.Harris1234.com Use code RPF20 to save 20% on all Steven's products. Use code MONEY7 to get his "3 Methods of Wealth Creation" class for only $7.


Aug 29, 2022
884: Friday Q&A: Deductible Car Expenses, Vacation Homes, Cash on Hand, Gold Coins Fraud, Etc.

On today's Friday Q&A we cover:

  • 1:30 Should I register my car in a business name so I can take my tax deductions?
  • 14:38 Should I buy and build a vacation home?
  • 19:11 How much cash should I have on hand before I resign my job?
  • 27:57 How do I reduce my taxable income in order to qualify for an EV credit?
  • 45:00 How much can I afford for a second house?
  • 1:31 How do I protect myself against fraud in the gold coin marketplace?
  • 1:38 Should I buy out my leased vehicle in order to sell it?
Aug 26, 2022
883: President Biden's Student Loan Debt Cancellation: Facts, Planning Opportunities, and Commentary
Aug 25, 2022
882: Reflections on 3.5 Years of Ex-Pat-tery (or, My Current Opinion on Leaving the USA in 2022)

My family and I have been away from the United States for 3.5 years now, setting up our Plan B. That's given me enough time to have a more balanced perspective on life in the USA.

In today's show, I share with you my thoughts, opinions, and advice on whether you also should leave the USA or stay put.



If you're interested in your own Plan B, buy my course at www.InternationalEscapePlan.com 

Aug 17, 2022
881: Friday Q&A: Estate Properties, Individual Stock Investing, Getting Over Past Financial Mistakes, How to Handle Donations for a Serious Medical Issue

On today's Q&A show we cover:

  • 1:56 - How can houses and retreats play a role in the vision of a family life?
  • 29:44 - How can I know if individual stock investing is right for me?
  • 41:30 - Can you help this Ukranian immigrant currently in North Carolina?
  • 47:14 - How can I get over my past financial mistakes?
  • 1:09:50 - How do I handle donations for a serious medical issue?


Aug 05, 2022
880-How to Buy a Car, Part 2: Decide What You Want and Need in a Car
Aug 03, 2022
879-How to Buy a Car, Part 1: Don't Buy a Car If You Can Avoid It
Jul 27, 2022
878-Friday Q&A: International Banking and Residency, To Leave or Not to Leave (a Job), Target Date Retirement Funds, Asset Allocation

On today's Q&A we cover:

  • 1:56 How do I get money to and from my international bank account?
  • 8:20 Should I do my residency processes myself or retain an attorney?
  • 17:50 Should my wife leave her job to be a stay-at-home mom, in light of a pending economic crisis?
  • 44:13 Why shouldn't I do a Target-Date Retirement fund?
  • 1:03:55 How should I figure out how to arrange my own asset location and allocation plan?

If you'd like to join me next week, go here: https://patreon.com/radicalpersonalfinance 

Jul 15, 2022
877-My Thoughts on the World Today (Inflation, Recession, Global Uncertainty, Famine)

I'm back from vacation and boy, do I have a lot to say! Here are my thoughts on the various circumstances we face today!


Jul 14, 2022
876-What is a Liberal Education?
Jun 22, 2022
875-Why Pursue a Classical Education?
Jun 15, 2022
874-Friday Q&A: Disability Insurance and Unemployment, Worldschooling, Business Privacy

It's Friday! That means live Q&A!

  • 1:45 Do I have to tell my disability insurance company that I'm unemployed?
  • 11:19 How much is a Mexican residency going to cost me?
  • 26:15 Should I take my struggling 13-year-old out of school and go worldschooling instead?
  • 1:00:21 How can I start a private business?
Jun 10, 2022
873-Out & About: Watchman Privacy Podcast (Bitcoin, Financial Privacy, Etc.)

I recently appeared on the Watchman Privacy Podcast with Gabriel Custodiet, where we talked in detail about various privacy-related topics. Enjoy!


Jun 08, 2022
872-Who Should Go to College to Get a B.A.?
May 31, 2022
871-Inside Ukraine: On-the-Ground Lessons Learned

Today, I bring you a report from a humanitarian relief worker on lessons learned from inside Ukraine.


May 30, 2022
870-Friday Q&A: 60-day Rollovers, Digital Nomading, Childcare, Cash-Out Refi, Etc.

On today's Q&A we cover:

  • 1:38 Can I borrow my retirement money by doing a 60-day rollover?
  • 16:15 How do I become a digital nomad in Europe? (*I mistakenly said "Greece" in this answer when I meant "Cyprus.")
  • 40:01 How can we provide awesome childcare at home when we both have full-time jobs?
  • 58:23 Should I do a cash-out refi or take a home equity loan?
  • 1:03:49 How should I do a career change into financial services?
  • 1:17:15 Should I join a startup, especially given that I have to put in my own money?

To join me on next week's Q&A go here: https://patreon.com/radicalpersonalfinance 



May 26, 2022
869-A Bad Day for Grendel

Ten Ways to Destroy the Imagination of Your Child by Anthony Esolen https://www.amazon.com/Ways-Destroy-Imagination-Your-Child/dp/1610170792 


May 24, 2022
868-Joshua's Advice: How to Begin Your Home Education Journey

The Well-Trained Mind: A Guide to Classical Education at Home by Susan Wise Bauer https://www.amazon.com/Well-Trained-Mind-Classical-Education-Fourth/dp/0393253627 

May 20, 2022
867-An Inspirational Education Story
May 19, 2022
866-Friday Q&A: Target Date Fund Debacle, Making Summer Productive, Medicaid Trust, Etc.

On today's live Q&A we cover:

  • 1:05 Should I avoid Target Date Retirement Funds due to the recent Vanguard debacle?
  • 18:37 How can I make my children's summer vacation more productive?
  • 53:38 Should I buy the house I'm living in?
  • 1:00:35 Should I do a 1031 on my commercial property or simply sell it and pay the tax?
  • 1:07:58 Should I have my mom set up a Medicaid Trust?
  • 1:19:54 Can I move my business to Wyoming to save on California taxes?
  • 1:32:03 Help me pick which government school to enroll my children in.
  • 1:49:00 How will I know when I'm legitimately Coast FI?
  • 2:03:15 How can I negotiate a better deal with my boss?

Join me on next week's Q&A at https://patreon.com/radicalpersonalfinance 


May 13, 2022
865-From $14K Per Year to $100M in 7 Years: The Taylor Welch Story
May 12, 2022
864-How to Respond to Turbulent Markets
May 09, 2022
863-How to Avoid Jail/Court for Domestic Disturbance and Underage Relationships (Inspired by the Johnny Depp and Amber Heard Trial)
Apr 27, 2022
862-Friday Q&A: 5 Months Abroad, What to Invest In, Moving from Real Estate to Index Funds, Etc.

On today's Q&A show we cover:

  • 1:16 Should we go abroad for 5 months and have an adventure?
  • 14:04 What should I invest in?
  • 33:25 When would it make sense to move from real estate to index funds?
  • 47:17 Should I leave the job I just got?
  • 1:00:23 What do I need to know to know about traveling with a baby?
  • 1:16:34 Should I invest my old 401k in Bitcoin?
Apr 22, 2022
861-Friday Q&A: Malta, Insurance after Weight Loss, Choose between Jobs, Giving Stock to Charity, Should I Quit My Job
On today's Q&A show we discuss:
  • 1:30 What to do when in Malta?
  • 9:47 How do I get a better life insurance policy after losing weight?
  • 21:56 How do I choose between my current job and a new job offer?
  • 29:50 How to save extra tax money by giving appreciated stock to your church/charity
  • 36:45 I was going to quit my job and take a sabbatical until I saw how bad the economy might get. Should I still quit?
Apr 15, 2022
860-My Hero, Bill Gaither...and the Career and Life Lessons We Can All Learn from Him

Bill Gaither is a hero of mine, primarily for his career. He has been singing, performing, and writing songs for nearly 70 years. And he is still at the top of his game. Let him inspire you too.

Wintley Phipps, Amazing Grace https://youtu.be/qNuQbJst4Lk 

Gaither "Easter" Music Playlist https://youtube.com/playlist?list=PLgubmqMAVkRapOBksWczdAN2RxIW97OY4 

Apr 14, 2022
859-The Future of Bitcoin: Lessons Learned from the Bitcoin 2022 Conference
Apr 11, 2022
858-Financial Lessons Learned from the USA (3 of 3)
Apr 04, 2022
857-Financial Lessons Learned from Russia (2 of 3)
Mar 23, 2022
856-Friday Q&A: Career Change, Whole Life Insurance, Rentals, House Money

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

  • 1:45 How can I do a fast career change and pay off my credit card debt quickly?
  • 23:07 Help me understand my life insurance options for my children.
  • 1:09:21 Should I buy a non-cash-flowing rental property?
  • 1:17:19 How can I invest my house savings money?





Mar 18, 2022
855-Financial Lessons Learned from Ukraine (1 of 3)
Mar 10, 2022
My New Bitcoin Privacy Course
Mar 04, 2022
854-Your Right to Transact Financially with Others is a Human Right...And It's In Danger

You have a fundamental human right as a free man or woman, to financially transact with others. And today, that right is in danger.


Mar 04, 2022
853-BONUS EPISODE: Strategic Background on the Conflict with Russia, Ukraine, and the West

Today's episode is a bit off topic from the mission of Radical Personal Finance. It's the kind of episode I've frequently deleted in the past, but that I have heard from my audience that some may enjoy.

In today's episode I spend some time digging into the strategic history of Russia/Ukraine position in order to understand where things are and where they may go.


More personal finance content soon!


Mar 03, 2022
852-Fifty Years Ago It Was Illegal for Americans to Own Gold Coins or Bullion (Yes, Really)

Fifty years ago it was illegal for Americans to own more than 5 ounces of gold coins or gold bullion. Yes, really.

Today, I want to explain this little-known history and talk about whether it may repeat in the future.


Mar 02, 2022
851-A Sobering Discussion of How Things Could Get Much Worse for You and Me in Days to Come

In light of the Russian invasion of Ukraine, I've been considering how you and I (not being in Ukraine or Russia) could be affected in days to come.

Here's a rather sobering discussion from me covering some of the possibilities.

Feb 24, 2022
Protect Yourself and Your Family by Believing That Bad Things Happen

In light of the Russia/Ukraine conflict, we need to pay careful to the lessons we can learn from the pain that our fellow humans are experiencing.

Today's lesson: believe that bad things can happen. To you.


Feb 24, 2022
849-Friday Q&A: Remote Work, Giving Ad Hoc vs. Systematically, Investing Virtuously, Off-Shore Bank Accounts, Etc.

It's Friday! Today we discuss:

  • 1:33 How do I establish myself in a new remote-only work environment?
  • 10:03 How can I become a teacher for a new career?
  • 18:28 How should I balance on-going support vs ad hoc donations?
  • 23:45 How can I invest my money in a righteous way?
  • 44:10 Should I save money for mystery special needs children?
  • 51:08 How should I use ereaders in my homeschool?
  • 1:12:34 Where should I go to get an offshore bank account?
  • 1:23:43 How much of my cash should I move into commodities?

Enjoy! Join me next week: https://patreon.com/RadicalPersonalFinance 


Feb 18, 2022
848-How I Taught My Children French in One Year by Reading

One year ago my family spoke no French. Today, one year later, my 8-year-old son is reading at his grade level in French.

In today's podcast I'll explain the tools and techniques I used to accomplish this, in hopes of inspiring you and helping with your similar projects.


Feb 17, 2022
847-How to Protect Your Money from the Government (Lessons from Canada)
The Canadian government has made some shocking changes this week. They provide some very important lessons for you and me.
Feb 16, 2022
846-Friday Q&A: 3 Corrections, Whole Life, High Interest CC Debt, Living Library, Disability Insurance, Foreign Language, Etc.

On today's live Q&A show we cover:

  • 1:00 Three separate corrections from previous shows
  • 13:04 How much whole life insurance should I buy for my emergency fund?
  • 20:54 Should I put my savings against my high interest-rate credit card debt?
  • 30:10 Should we start a living library?
  • 35:00 How should I go about buying gold?
  • 53:06 How do I move from a blue collar job to a white collar job?
  • 1:08:18 Should I buy disability insurance for my homemaker wife?
  • 1:21:00 How can I help my children learn a foreign language?
  • 1:49:15 How can you get more good things done in your daily schedule?
  • 2:06:45 How do I structure my disability insurance if I'm likely to change jobs frequently?
  • 2:11:52 Why is living in your car such an interesting strategy?
  • 2:27:00 Should a non-resident in the USA build a credit profile in the USA?

To join me on next week's Q&A show, go here: https://patreon.com/RadicalPersonalFinance  



Jan 29, 2022
845-Friday Q&A: Refinancing to Invest in Stock Market, Health Insurance for Travelers, Getting Started Reading the Bible, Selling House to a Friend, Etc.

It's Friday! Today we cover:

  • 1:44 Should I refinance my house to invest in the stock market?
  • 13:44 How do I get health insurance for my parents who are fleeing Ukraine?
  • 33:14 How should I begin reading the Bible?
  • 1:03:00 I'm selling a house to my friend; how do we structure the deal?
  • 1:10:10 How do I do goal planning with my children?
  • 1:20:50 How can I profitably invest an extra $5k to $10k per year?
  • How do I calculate the Real Internal Rate of Return on a life insurance policy?
Jan 21, 2022
844-Military Listener Disagrees with My Advice on Joining the Military: Here's His Side
Jan 20, 2022
843-Global Collapsing Birth Rates Will Radically Affect Our Future
Jan 19, 2022
842-Moving Around Is Not Conducive to Your Wealth (A Report from 6 Months of Digital Nomadism)
Jan 17, 2022
841-Friday Q&A: DIY Projects, Roth Conversions, Vacation Home in El Salvador, French Inheritance Taxes, Preparing for a Baby, Joining the Military for VA Benefits

It's Friday! On today's Q&A call we discuss:

  • 2:00 Should I do my own DIY projects?
  • 15:36 Should my in-laws sell their rental house?
  • 25:00 Should my father do a Roth conversion of his $1,000,000 IRA?
  • 36:30 Should we buy a vacation home in El Salvador?
  • 59:11 How can a French citizen reduce inheritance taxes?
  • 1:09:01 What kind of financial preps can I do to prepare for a baby?
  • 1:33:00 Should I join the reserves in order to get the VA benefits?

Enjoy! Join me next week here: https://www.patreon.com/RadicalPersonalFinance 


Jan 14, 2022
840-Who Do You Want to Live With? Spend Your Money to Make That Happen
Jan 12, 2022
839-Friday Q&A: Job Loss, Getting out of the Matrix, Taxes on Crypto, Finding a Good Accountant, Should I Contribute to a Retirement Account

Welcome to our first Friday Q&A of 2022!

  • 2:55 How do I prepare for an imminent job loss due to my refusal to take the jab?
  • 14:30 How do I get out of the modern monetary matrix?
  • 21:59 How do I calculate the taxes on my crypto portfolio?
  • 32:57 How do I find a good accountant?
  • 46:45 Should I contribute to a retirement account?
  • 1:02:33 How should I save for a second house?
  • 1:20:00 I have a child who is slow to speak; how should I handle this?

To gain access to next week's Q&A show, join here: https://patreon.com/RadicalPersonalFinance


Jan 07, 2022
838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

Today, let's discuss how you can enjoy a truly rich Christmas—nay, a truly rich life.


Dec 21, 2021
837-The Watchman Guide to Privacy: Reclaim Your Digital, Financial, and Lifestyle Freedom - Interview with Gabriel Custodiet

I'm often asked where to start with regard to privacy. For the last few months I have been publicly and privately recommending Gabriel Custodiet's book "The Watchman Guide to Privacy: Reclaim Your Digital, Financial, and Lifestyle Freedom."

It's perhaps the best single book that I've read that discusses privacy in a comprehensive, yet accessible way.

Today, I'm thrilled to welcome Gabriel himself to the podcast.




Dec 20, 2021
836-The Valuable Lifestyle Benefits of a Second Home
Dec 10, 2021
835-Why a Vacation Home Might Very Well Be Your Best Investment Ever
Dec 09, 2021
834-Friday Q&A: Baseball Cards, VideoGame YouTube, Inheritances, Borrowing Against Assets, Etc.

It's Friday! And today we cover:

  • 2:01 What should I do with my old baseball cards?
  • 6:31 Should I help my 6 & 8 year old's build a YouTube channel about video games?
  • 45:33 I've just received an inheritance from my grandfather. What do I do with it?
  • 53:01 What books should I read to my new baby?
  • 1:12:12 How do you actually borrow against assets so as not to pay taxes?
Dec 03, 2021
833-Why Reading Aloud to Children is So Effective in Improving Academic Outcomes

There is one simple thing you can do that will almost assuredly ensure phenomenal academic outcomes for your child: read aloud. Lots.

In today's episode, I explain in great detail why this works and how the process works, pulling from the phenomenal book by Jim Trelease called "The Read Aloud Handbook."


Dec 03, 2021
832-The Best Way to Invest in Your Children's Education (It's Absurdly Simple and Cheap)
Dec 02, 2021
831-"An Old-Fashioned Thanksgiving" by Louisa May Alcott

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving."

The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year.

But this story is filled with financial lessons for those with ears to hear.

As you listen to a life of long ago (circa 1830), I'd encourage you to reflect on the life that you and I now live in comparison.

For me, this reflection fills me with Thanksgiving, which is the starting point of living a rich life now.

You are rich. I am rich. Let's realize it and act appropriately.


Here are a few poem and prayers of Thanksgiving you may enjoy as well:

O Lord, that lends me life,
Lend me a heart replete with thankfulness!
~~William Shakespeare 1564-1616

May all who share these gifts today
Be blessed by Thee, we humbly pray.
What God gives and what we take
'Tis a gift for Christ his sake;

Be the meal of beans or peas,
God be thanked for those and these;
Have we flesh or have we fish,
All are fragments from His dish.
~~Robert Herrick 1591-1674

Lord, behold our family here assembled. We thank thee for this place in which we dwell, for the love that unites us, for the peace accorded to us this day, for the health, for the food, and the bright skies that make our lives delightful, for our friends in all parts of the earth.

Give us courage, gaiety, and the quiet mind. Spare to us our friends, soften us to our enemies. Bless us, if may be, in all our innocent endeavours. If may not, give us the strength to encounter that which is to come. May we be brave in peril, constant in tribulation, temperate in wrath, and in all changes of fortune loyal and loving to one another.

As the clay to the potter, as the windmill to the wind, as the children of their sire, we beseech of Thee this help and mercy for Christ's sake. Amen.
~~Robert Louis Stevenson

Nov 24, 2021
830-When the TSA Steals Your Cash...Sue Them!
Nov 20, 2021
829-Friday Q&A: Life Insurance, Live Rittenhouse Verdict, House Money, GILTI Tax, Etc.

On today's Q&A:

  • 1:30 Should I buy life insurance if I want to build generational wealth?
  • Live reaction to the Kyle Rittenhouse verdict
  • 28:23 My parents have sold their house and they have $200,000 cash. What should they do?
  • 36:00 Can I escape GILTI tax on my offshore earnings?
  • 41:56 How can I make a living as an economist?


Nov 19, 2021
828-Mrs. RPF is Back! Homeschooling, Worldschooling, and Full-Time Travel with Little Kids
Nov 17, 2021
827-How Quickly Will Social Security Run Out of Money?
Nov 15, 2021
826-Supply Chain Disruptions: Where Do We Go From Here? Interview with Steven Harris

We are living in a significant supply chain crisis. In today's show I've invited Steven Harris back on the show to discuss the current events as we seek to prognosticate a bit about where things could go from here and how we can be prepared for the impending changes.



Nov 11, 2021
825-Friday Q&A: Moving Cash Safely, Massive House Values, Moving Abroad with Bitcoin, Etc.

On today's Friday Q&A we cover:

  • 1:30 - How can I grow my new blog?
  • 17:10 - We bought a house that has massively increased in value. What do we do now?
  • 29:06 - I need to move >$100,000 of currency across the country. How do I do this safely?
  • 1:05:00 - I'm moving abroad while waiting for my Bitcoin to appreciate. What do I need to think about?
  • 1:40:29 - How do I know when I'm ready to hire a financial advisor?

Join us next week! https://www.patreon.com/RadicalPersonalFinance 

Hire me personally! https://radicalpersonalfinance.com/consult 

Nov 04, 2021
824-Is it Cheaper to Live in Mexico or the USA?
Oct 21, 2021
823-Don’t Take My Advice. First Ask Yourself If It Actually Applies to Me Right Now.
Oct 19, 2021
822-DELETED EPISODE - Mental Models to Deal with Controversial Topics

I recorded this episode of the show to deal with a recent minor controversy from a passing comment I made. Then I decided it was too far out of the scope of what I want discussed on RPF, so I canned it, choosing not to release it.

Well, the controversy continued, and after I shared this "deleted episode" with a few listeners privately who found it helpful, I decided to let you choose for yourself, rather than my censoring it.

It's all explained in the intro!


Oct 18, 2021
821-Friday Q&A: Business, Student Loans, Bankruptcy, Babies, Annual Fees, Houses, Etc.

On today's Friday Q&A show:

  • 1:30 Difficulties on 1031 exchanges
  • 6:45 Should I start a business on the side or full-time?
  • 11:45 Can I deduct my student loans as a business expense?
  • 12:15 We are expecting a baby. How should I use my paternity leave?
  • 22:30 How do I get rid of a credit card with an annual fee?
  • 30:15 Should I maintain multiple bank accounts and multiple brokers?
  • 39:30 Should I buy a house?
  • 44:00 How can we help children develop entrepreneurship?
  • 52:00 How do I communicate with my wife about a radical lifestyle?
  • 1:06:30 My mom is headed deep into debt as a result of medical bills, possible into bankruptcy. How do we protect her?
Oct 15, 2021
820-Is Freedom in the USA Doomed Due to Forced V Mandates?

In today's podcast, I share with you:

  1. Why I think the USA is a good place to be right now with regard to personal freedom, even with various rules and mandates.
  2. What I think will happen in coming months.
  3. How to prepare if the USA turns into a not-so-good place to be.



Oct 12, 2021
819-My Recent Experiences Teaching My Children French

I recently traveled with my family to France, with a primary goal of buying French books to read to my children! Today, I'll share a progress update on this project.


Oct 11, 2021
818-How to Protect Yourself from Civil Asset Forfeiture

Recently, US government agents raided 800 safe-deposit boxes and stole $86,000,000 of cash plus other valuables from the box holders. The government is trying to keep the money under the Civil Asset Forfeiture rules in the USA.

Today, I explain the details of the case to you as well as how to protect your money and stuff from similar thefts.


BOOK A CONSULTING CALL WITH JOSHUA: www.radicalpersonalfinance.com/consult 

Oct 06, 2021
817-My Biggest Financial Mistakes - Pursuing a Lifestyle of Leisure
Sep 25, 2021
816-Global Supply Chains are in Disarray; Buy the Physical Items You Need and Want Now
Sep 25, 2021
815-Major Tax Changes Coming...Just Like Always!
Sep 15, 2021
814-Will Your Bank Automatically Send All Your Info to the IRS?
Sep 14, 2021
813-A Truth About Personal Freedom I Desperately Wish Weren't True
Sep 10, 2021
812-My Biggest Financial Mistakes: Not Selling Aggressively
Sep 09, 2021
811-Friday Q&A: Houses, S-Corp and Taxes, Traveling, Internationalizing, Diversification, How Much to Invest, Increasing Income

Today we discuss:

  • 1:30 My landlord has Stage 4 cancer and wants me to buy his house. Should I do it?
  • 15:30 Should I start an S-Corp to save on taxes?
  • 24:39 How can I learn to be a lighter traveler?
  • 33:33 How can I enhance my international diversification?
  • 46:43 How much net worth should you invest into a single project?
  • 1:04:30 How can I increase my income?

Join next week's call at https://patreon.com/RadicalPersonalFinance 

Sep 03, 2021
810-My Biggest Financial Mistakes: Conservatism
Aug 30, 2021
809-Friday Q&A: Education, Crypto Lending, Low Income Opportunities, Spending Money on Prepping, House Hacking, etc.

2:06 How should I save for my children's education?
31:00 How should I view crypto lending accounts?
38:00 My income is going to be super low this next year. What are my opportunities?
46:30 How much money should I spend on prepping?
1:03:30 I'm a new early retiree. Should I pay cash for a house or finance it?
1:22:30 I'm young and getting into house hacking. How should I start?
1:31:15 What are Joshua's real estate investment plans?

Aug 27, 2021
808-How to Lower the Stress of Travel
Aug 26, 2021
807-Friday Q&A: Where to Start as 21-Year-Old, Liability on Rural Property, Saving for Retirement vs. House, etc.

It's Friday! On today's Q&A call we discuss:

  • 1:20 I'm 21 years old and just bought a house. Should I do the Alpha Strategy?
  • 24:50 I bought a rural property. How can I control my liability?
  • 36:35 Should I prioritize retirement savings or a house down payment?
Aug 20, 2021
805-How to Buy a Quality Used Car Fast
Aug 13, 2021
804-Family Travel by Car is Vastly Superior to All Other Options
Aug 12, 2021
803-Friday Q&A: More Flag Theory, Debt Management, Etc.
Aug 05, 2021
802-The Beauty and Excellence of a Conventional Life
Aug 04, 2021
801-Practical Tools to Travel the World Cheaply
Jul 30, 2021
800-Why I Defend Billionaires
Jul 21, 2021
799-When You Have to Run Because…War
Jul 16, 2021
798-Family Travel Tips from a Full-Time Nomad Family
Jul 12, 2021
797-Analyzing Peter Thiel's $5 Billion Roth IRA
Jun 28, 2021
796-This is Why You Shouldn't Leave Your Home Country and Go Elsewhere
Jun 23, 2021
795-Friday Q&A: Michael Burry's Crypto Predictions, How Much Life Insurance, Florida

It's Friday! Today we discuss:

  • 2:21 What do we do with Michael Burry's predictions of a crypto crash?
  • 18:35 How do I figure out how much life insurance I need
  • 35:45 Is Florida the best state in the USA?

Enjoy! To join me next week, sign up here: https://patreon.com/RadicalPersonalFinance


Jun 18, 2021
794-Commentary on ProPublica Article: "The Secret IRS Files: Trove of Never-Before-Seen Records Reveal How the Wealthiest Avoid Income Tax"

ProPublica made a splash this week with their reporting on the wealthiest 25 Americans' tax returns. Let's discuss!



Jun 11, 2021
793-How This Man Built a Massive Business in a Frontier Market: Interview with Steve Aronson, Founder of Cafe Britt
Jun 09, 2021
792-Friday Q&A: DIY, Business in Mexico, CPA Business, Buying Houses, Liberland, AirBnB Living

On today's Friday Q&A we discuss:

  • 1:30 Should I spend money on home projects when I'm capable of DIY?
  • 17:20 What's involved with my opening a business in Mexico?
  • 26:30 Is there any danger to my real estate strategy of doing owner-financing to Mexican immigrants?
  • 35:30 How can a young CPA grow his business and career intelligently?
  • 43:30 Should I buy a house?
  • 1:01:00 What is the likely future of Liberland?
  • 1:24:15 Is it crazy for us to AirBnB for 6 months while we find a new place to live?

If you'd like to be on next weeks Q&A show, sign up here: https://patreon.com/RadicalPersonalFinance 



Jun 04, 2021
791-Joshua's WhatsApp Metaphor and How It Will Apply to the Changing Financial World
Jun 03, 2021
790-Starting a New Country Dedicated to the Principles of Liberty: Interview with Liberland President Vít Jedlička
Jun 02, 2021
789-Friday Q&A: Saving on Taxes, Learning a New Language, Getting into Camping, Inflation, etc.

On today's Friday Q&A is show we cover:

  • 1:10 I have a new 109-acre property. How can I use it intelligently to offset the costs and taxes?
  • 18:32 Should I pay off debt if I expect future inflation?
  • 27:15 What tools should I use to learn a language from scratch?
  • 41:45 How far can I go in deducting the expenses of my vacation rental and how far should I go to get tax deductions?
  • 1:03:00 I'm getting my family into camping for the first time. Where should I start?
  • 1:22:00 Should I invest into life settlement contracts?




May 28, 2021
788-Why I Got Bitcoin Wrong: An Apology

In 2013, Bitcoin traded for $85 per coin. Today, it's at $40,000 per coin. I never once told you to buy Bitcoin. In today's show I'll explain why and I will apologize for that oversight.


May 20, 2021
787-The Freedom of Full-Time Family Travel

As a family, we've just finished the first two weeks of our most-recent nomad adventure in Mexico! In today's show, I want to share with you how and why we live in a golden age of travel and how you can access it if you want to!


May 19, 2021
786-Is it Safe to Go to Mexico? Or Anywhere?
May 13, 2021
785-How to Move to Mexico (and Why You Should Establish Residency Now, Not Later)

I firmly believe that any North American who is interested in a Plan B should consider Mexico as an option before almost any other country.

In today's podcast I've invited attorney Enrique Ramírez Corona on the show to discuss how Mexico's immigration program works.



May 10, 2021
784-I Make Dreams Come True
May 05, 2021
783-Friday Q&A: Downsides to Second Citizenship, Crypto Wages, Cash Out Pension, Etc.

It's Friday! Today we do Q&A!

  • 1:30 Is there a downside to a second citizenship?
  • 20:04 Should I invest for early retirement or buy a house?
  • 47:37 How are my crypto wages taxed as I earn them and they grow?
  • 1:06:00 Should I cash out my teacher's pension or keep it?
  • 1:16:48 I make 3x money as I did 6 months ago. Am I spending too much?
  • 1:24:27 I have $1,000,000 in the stock market. Should I sell?
  • 1:38:20 How can I plant some flags as a farmer?
  • 1:52:31 How can I pay my parents to work for my business?
  • 2:01:00 What's wrong with Universal Life Insurance?

To join next week's show, go to https://patreon.com/RadicalPersonalFinance

May 01, 2021
782-What to Do When Nothing Is Working and You Feel Like the Darkness is Closing In
Apr 28, 2021
781-Disaster is NOT a Strategy

Disaster is NOT a strategy. But you can build a strategy for virtually any disaster.


Apr 22, 2021
780-How Should You Prioritize Tax Costs in Your Decisions?
Apr 14, 2021
779-Friday Q&A: Made a Bunch of Money; Now What? How Does Joshua Create a Podcast?

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?


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

Apr 09, 2021
778-How to Live Income Tax-Free in the USA (2 of 2) ...and Make Money!

Text me your comments and questions: 561-468-3158


Apr 08, 2021
Announcement: Big, Big Travel Plans This Year!

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


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

Apr 05, 2021
777-How to Live Income Tax-Free in the USA (1 of 2)

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!


Mar 22, 2021
776-Should You Cheat on Your Taxes to Save Money?

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

Mar 16, 2021
775-Friday Q&A: Health Insurance or Health Sharing, Convert Group Life to Personal, Sell My Rental Property, etc.

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)?


Mar 12, 2021
774-The Shocking Truth of How Just a Tiny Bit of Tax Destroys the Compounding of Your Wealth (RE-DO TO CORRECT A SERIOUS MATH ERROR)

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​ 


Mar 11, 2021
773-How an Early Retirement Extreme Lifestyle Protects You From Catastrophic - Interview with Jacob Lund Fisker

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

Mar 10, 2021
772-Friday Q&A: Investment Wins, Vacation Property, Offshore Liability, Disability Insurance

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.



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!

Mar 05, 2021
771-What Will They Say About Your Life When You Die?

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

Mar 04, 2021
770-Friday Q&A: HELOC for Stock Investing, Dental Tourism, CFP Career Prospects, Equity as Comp

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?



Feb 26, 2021
769-The Power of Beta
Feb 23, 2021
768-The Psychological Freedom of Ratios
Feb 16, 2021
767-Friday Q&A: Government Job or Private-Sector, Getting Back Into Tax Compliance, Protecting Cash from Inflation, Camper or Hotel, Traveling While on Maternity Leave, Etc.

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?

Feb 12, 2021
766-Count the Costs and Your Goals May be Far More Achievable
Feb 10, 2021
RPF Meetup Invitation: Thursday, February 11 in Bogotá, Colombia

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.


Feb 08, 2021
765-The Freedom of Frugality
Jan 28, 2021
764-Money is the Ultimate Renewable Resource; Time is the Ultimate Non-Renewable Resource
Jan 25, 2021
763-Friday Q&A: Retirement Accounts for Americans Abroad, Whole Life Insurance, Rental Property Furnishings, Giving Appreciated Assets to Charity, Etc.

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 


Jan 15, 2021
762-My 2021 Commitment: To Live Richly, Not Frugally

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

Here's why!


Jan 14, 2021
761-How to End a Year and Plan a Better One, Part 3: Plan
Dec 15, 2020
760-How to End a Year and Plan a Better One, Part 2: Dream
Dec 09, 2020
759-Friday Q&A: Scaling Biz, 401(k) Rollovers, $600k Inheritance, Leaving a Corporate Job Faster, Moving Money Offshore

Friday Q&A today:

  • 2:10 - Free resource for end-of-the-year planning: www.yearcompass.com

  • 3:00 - How aggressive should I be in scaling up my real estate company?

  • 22:15 - Should I rollover my 401(k) and 403(b) to an IRA

  • 35:30 - Should I put my child into kindergarten at an early age?

  • 43:44 - Should I deduct my early stage business expenses now or later?

  • 47:14 - What should I do with a $600,000 inheritance

  • 1:06:00 - Should I participate in my 457(b) plan?

  • 1:06:41 - I want to leave my $225k corporate job to be a full-time trader. How can I do it faster?

  • 1:20:45 - Should we keep our old house as a rental?

  • 1:34:38 - Should I participate in my company’s mega-backdoor-Roth?

  • 1:45:20 - Should I move my $1M brokerage account offshore?

To join me on next week's Q&A show, support the show on Patreon: https://patreon.com/RadicalPersonalFinance

Dec 04, 2020
758-How to End a Year and Plan a Better One, Part 1: Reflect
Dec 02, 2020
Black Friday Sale...and Thanks!

Short message today to announce my Black Friday sale and to say thank you. 

Nov 25, 2020
757-Friday Q&A: Cryptocurrency, Guaranteed Income for Early Retirement, Tax for Nomads, Investing in Children, Biblically Responsible Investing, Welfare, Etc.

Live Friday Q&A today!

  • 1:45 The future of cryptocurrency and associated tax questions

  • 24:48 Should an early retiree set up a guaranteed income stream?

  • 37:18 Will I owe tax if I’m moving around working as a digital nomad?

  • 45:52 How can I invest in my children without messing up my simple cashflow system?

  • 56:58 Should I invest in a Biblically Responsible mutual fund

  • 1:12:38 Where can I put my real estate down payment money to get a bit more interest?

  • 1:21:15 Joshua’s current advice for existing podcasters

  • 1:37:16 Should I set up a corporation for my business or keep running it as a sole proprietorship?

  • 1:46:45 If it’s ok to take welfare, why not make a class teaching people how to get it?


Nov 13, 2020
756-How to Leave a Bad Government When Your Guy Loses the Election

Whenever we get into the throes of a hotly contested election, people threaten to leave if their preferred candidate loses. Most don't ever leave, of course. But should they?

I'm not sure they should leave. Leaving is a drastic step and response. But I'm sure that most people should prepare to leave. Or make a plan to leave. And today I'll share with you the argument and the methods!

Nov 09, 2020
394-On Voting, Elections, & Presidential Politics: 10 Things You Can Do That Will Actually Make a Difference in Your Life and Community (aka, Joshua's Antidote to Your Election Fever)

Note: This show was originally released on November 7, 2016. It's every bit as relevant today, November 2, 2020 as it was on that date. Listen to it afresh today with four years of hindsight. 


In case you haven't heard, this presidential election is the most important one in your lifetime. 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.


Nov 02, 2020
Out & About: Emergency Fund Planning, Credit Cards, and Disability Insurance | Joshua's Appearance on the "Life Meets Money" Podcast

Today I share with you a recent interview I gave for the Life Meets Money podcast with Matt Miner.

Matt Miner has been on Radical Personal Finance several times and this was a fantastic interview!

We discussed lifestyle design, risk and emergency planning, insurance, prepping, etc. in great detail. 



This show was originally posted on the Life Meets Money podcast here: https://lifemeetsmoney.com/joshuasheats 

Oct 27, 2020
755-Friday Q&A: Inherited Real Estate Taxes, Placeholder Annuities, Teaching Children about Money, Etc.

It's Friday! Today we tackle:

  • 1:30 Tax issues on inherited real estate + a healthy retirement

  • 19:40 Should I buy a placeholder annuity so I get today’s mortality rates?

  • 33:27 What opinions on teaching children about money has Joshua changed over the years?

  • 47:00 Should I build a business in financial coaching?

  • 1:16:45 I want to get into financial planning; what should I do?

  • 1:39:42 I got denied for a credit card offer; what do I do next?

I've recently begun offering financial consulting again. You can book an appointment here: https://radicalpersonalfinance.com/consult

If you'd like to join me on next week's Q&A call, join me at https://patreon.com/RadicalPersonalFinance 

Oct 23, 2020
754-How to Invest in Commodities in a Radical Way (Metals, Tools, Food, Alcohol, etc.) | Interview with Steven Harris

In today's show I'm welcoming Steven Harris back to the show to discuss investing in commodities. When most people think of investing in commodities, they immediately think of gold and silver. Gold and silver have a place and can be useful, but they are not the only pathway to investing in commodities. In today's show Steven and I discuss how you can invest in commodities like food, metal, tools, etc. 



  • Go to www.RPF1234.com to buy Steven's preparedness education courses. They're awesome! (I own—and paid for—all of them myself.)
Oct 19, 2020
753-Friday Q&A: Financial Privacy, Disability Insurance, Dealing with Insurance Agents, Land Contracts

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

  • 1:50 Buying disability insurance and maintaining financial privacy while dealing with insurance agents
  • 40:30 Buying a house with a land contract



Oct 16, 2020
752-Friday Q&A: What to Do after Graduation, Speculating in Stocks, Concealed Carry Insurance, Asset Protection for Real Estate

On today's Q&A call we cover:

  • 00:45 I graduate with a nursing degree in 6 months. What should I do next?

  • 20:20 Should I have speculated in the recent stock market downturn with my down payment money?

  • 38:30 I have 3 properties. Do I need an LLC for asset protection?

  • 57:30 Should I buy concealed carry insurance?

To join next week's call, go to https://patreon.com/RadicalPersonalFinance 




Oct 09, 2020
751-How I Taught My Children to Speak Fluent Spanish in One Year With No Teachers, No Classes, and No Playmates or Spanish-Speaking Friends

One year ago my wife and I decided to teach our children Spanish. At the time, they spoke zero Spanish. We succeeded in the project even though:

  • They don't go to a Spanish-speaking school
  • They don't have any Spanish-speaking friends
  • They've not taken any Spanish classes
  • They don't have anybody speaking Spanish to them full-time

In this episode, I'll teach you how I did it.


P.S.  Stay tuned to the end to hear my eldest speaking in Spanish so you can assess his level of Spanish for yourself.

Oct 08, 2020
750-Friday Q&A: Lifestyle Biz for Efficient Taxation, Sales Jobs, Asset Protection, Buying a More Expensive House, Etc.

On today's Friday Q&A call we discuss:

  • 00:45 I’m inspired by Trump’s taxes. How can I start a lifestyle business for myself?

  • 32:10 What kind of sales job should I get?

  • 49:00 How can I protect my assets in Montana?

  • 1:00:42 Should I buy a more expensive house?

  • 1:22:42 Reasons to refinance your mortgage now

  • 1:26:20 I still don’t understand Trump’s tax returns. Help!



Join my Patreon to gain access to next week's call: https://www.patreon.com/RadicalPersonalFinance 

Oct 02, 2020
749-Analyzing The NY Times Trump Tax Return Story (In Depth)

The New York Times recently published a story on the analysis of President Trump's tax returns. 

Allegedly, Trump has not paid any income taxes in 10 out of the last 15 years.

In today's podcast I analyze the financial planning behind the details in the article and teach you how you can use the same techniques Trump uses to shelter his income from taxes.


Sep 28, 2020
748-Friday Q&A: Better College Jobs, Online Privacy, Investment Income in Early Retirement, Moving to Central America, Etc.

On today's Friday Q&A show:

  • 1:03 I have a low-paying job while in college. How can I get a better job?
  • 18:22 What name should I use for my online activities?
  • 32:06 How do I actually take income from an investment portfolio in retirement?
  • 49:23 I'm leaving California for Central America; where should I go?
  • 1:11:50 I'm moving to Florida; what kind of hurricane planning do I need to do?
  • 1:17:50 I'm worried about my exposure to USD. How can I hedge my bets?
  • 1:22:54 I'm moving from California to Texas. What should I consider in the process?
  • 1:35:27 I'm starting a new business that might fail; how can I protect my assets?
  • 1:51:21 Should I pay off my mortgage?

To join me next week, go to https://patreon.com/RadicalPersonalFinance 

Sep 25, 2020
747-How to Die Broke Like Billionaire Chuck Feeney Will

Billionaire Churck Feeney has recently finished giving away his entire $8 billion fortune.

In today's show, we'll talk about whether you should copy him and how you could do it.


Sep 21, 2020
746-Friday Q&A: How to Get a Raise, Second Home vs. Investment Property, Saving vs. Giving

It's Friday! Today we cover:

  • 00:48 How to get a raise at your job

  • 11:55 Should I classify a 2nd house as an investment property or a second home?

  • 25:30 Do I get a better deal on my mortgage by classifying a house as a second home?

  • 31:15 How do I solve the tension between saving money and giving money?



Sep 18, 2020
745-Install a Success Operating System in Your Children
Sep 15, 2020
744-Friday Q&A: Contractor vs. Employee, Negative Interest Rates, Cash, Emergency Escape from Wildfires, How to Pay Down a Life Insurance Loan

Friday Q&A show! Today we discuss:

  • 00:30 Contractor status or employee status?
  • 31:00 What happens with our money when interest rates go negative?
  • 43:21 Is it really a good idea to have lots of cash on hand?
  • 1:03:30 How should I set up an emergency escape vehicle to get out of California wildfires?
  • 1:17:31 I used a life insurance loan as a down payment for my house; what do I do now?
Sep 11, 2020
743-Did We Get It Wrong? Reflecting on the Unexpected (?) Recovery of the Stock Market

In March, things looked really bleak. But the stock market recovered in a spectacular 5-month period.

Did we get it wrong? Do we regret anything we did?


Sep 09, 2020
742-Great Coronavirus News All Around

All of the news these days on coronavirus is positive. Is this a glimmer of the beginning of the end?

Although we certainly expect many more people to get sick with COVID-19 and some to die, I think it is.

I'll tell you why.


Sep 02, 2020
741-How to Help Your Children Discover, Develop, and Profit From Their Passions and Talents: Interview with Jonathan Harris

What are your goals for your children? What skills and abilities do you want them to have when they leave your home?

My guest, Jonathan Harris, is the father of nine children. His four eldest children have all established themselves as independent adults, building careers on the foundation of their personal talents and passions.

In today's show, we discuss the strategies and tactics that have been helpful for him.


Aug 29, 2020
740-Friday Q&A: Practical Prepping, Medicaid for Early Retirees, New Tow Rig, HOA Woes, Etc.

Live Friday Q&A today!

  • 00:50 I just bought a new house. What practical prepper stuff should I do?
  • 32:00 Can I & should I use Medicaid to cover my health insurance needs in early retirement?
  • 51:01 I need a new Tow Rig; what truck should I buy?
  • 1:10:21 Should I refinance my mortgage?
  • 1:15:06 How can I become more relaxed with conflict in my life?
  • 1:29:00 My HOA is underfunded; should I be worried?



Aug 21, 2020
739-Friday Q&A: Socializing Children, IRA Taxation for Ex-US Citizens, Foreign Corps, Private Businesses, Etc.

It's Friday! Today, we cover:

  • 9:00 How to socialize children when stuck at home?
  • 22:27 How are IRAs Taxed for US citizens who renounce their citizenship?
  • 38:18 How should we set up foreign corporations for US citizens moving abroad?
  • 50:00 How should I go about looking for a financial advisor?
  • 59:09 How can I run a business with total privacy?
  • 1:22:51 Where does media production go from here?
  • 1:35:00 How can a retirement-age couple with $130,000 decide where to put their money?
  • 1:47:21 Should I put my new house into a trust?
  • 1:53:47 Which home security system should I install in my new house?
Aug 14, 2020
738-Why Not Skip High School Virtual Classes and Take College Courses Instead?

Millions of students are sitting at home wasting their time watching online courses for measly high school credit. That's dumb.

Why not just go ahead and get an online bachelor's degree instead?

In today's show, I'll tell you how.



Jul 27, 2020
737-Friday Q&A: Equity Stripping a House in Divorce, Buy Whole Life Insurance in a Sabbatical, Affirmations in Personal Development, Etc.

In today's Q&A we discuss:

  • 1:30 How can we equity strip a house in preparation for divorce?
  • 13:17 Should I buy more whole life insurance if I'm planning to take a sabbatical in 6-8 years?
  • 49:21 Are affirmations useful for personal development?
  • 1:15:00 Should I be worried about leaving my home place in the current emergency?
Jul 20, 2020
736-Tax Planning Advice for an American Couple Moving Abroad to Teach
Jul 17, 2020
735-Always Look for the Most Direct and Effective Path to Your Goals
Jul 16, 2020
734-How to Move to Canada - and Get a Second Passport!

Moving is an extremely effective—albeit disruptive—way to improve certain aspects of your life, both financially and personally.

All over the world there are millions of people who understand very clearly that if they can simply move to a country with a healthier, more robust economy.

But what country do you choose?

For hundreds of thousands of people, Canada is an obvious solution.

Today I've invited Brandon Miller, owner of Maple Immigration on to the show to discuss immigration into Canada.

We speak about immigration broadly and then specifically with regard to Canada.



Jul 08, 2020
733-Friday Q&A: Privacy, Asset Protection, CARES Act Distributions, WWJD, Nomadism vs. Community

Friday Q&A:

  • 1:30 What steps can I take to protect my privacy and assets as I get into real estate investing?
  • 17:22 Should I take an early $100,000 IRA distribution due to the CARES Act?
  • 24:30 WWJD if his global trip were cut short and he were trying to build an online business?
  • 44:00 How can I build a sideline bee business that my children can help me with?
  • 1:02:00 How can we reconcile the value of being a modern nomad with the value of local community?

To join next week's show, support the show on Patreon: https://patron.com/radicalpersonalfinance 

Jul 03, 2020
732-Friday Q&A: Proper Planning for Young People, Infinite Banking, Retirement Income, Etc.

Live Friday Q&A:

  • 2:00 Do I stick out my job and current career because it's profitable and comfortable or do I pivot to something new while I'm young?
  • 16:20 Should I do Infinite Banking as part of my retirement plan?
  • 38:40 Should I go to college?
  • 59:10 My 79-year-old father needs income. What should he invest in?

Join next week's show here: https://patreon.com/radicalpersonalfinance

Listen to 227-The Five Benefits of College and Radical Ways to Exploit Them

Jun 26, 2020
731-Revolution, Reformation, and Wealth
Jun 25, 2020
730-How to Choose Which Foreign Language to Learn to Increase Your Income


Jun 22, 2020
729-Modern Tools to Help You Learn a Foreign Language Faster

Increasing your language skills can help your brain, your social life, and your wallet. In today's show, I give you some tools I have found to be useful in my own foreign language studies.


Jun 10, 2020
REPLAY 456-Protect Your Money by Arrest-Proofing Yourself and Your Children

This episode was first published in May 1, 2017. It's important. Please listen.


If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye.

You need insurance against that eventuality.

Today, I'm going to teach you why it's vitally important that you arrest-proof yourself and how to do it.


Jun 05, 2020
728-Where Are We Right Now?
Jun 04, 2020
727-Friday Q&A: Credit Score, Helping Parents, Life Insurance on Children, Etc.

Time for live Q&A today!

  • 3:15 Does changing my credit mix improve my credit score?
  • 8:50 How can I find a good real estate deal?
  • 14:48 My parents are in their early 50s and not saving money. How can I help them?
  • 32:37 Should I buy life insurance on the lives of my children?
  • 46:37 Should I buy a rental house first or my forever house?
  • 50:46 How do I prioritize my financial goals?
  • 55:15 We're having a baby! What should I know?
  • 1:18:24 Where should I keep my emergency fund?



May 22, 2020
726-How to Lower the Emotional Risk of a New Venture

Watch this episode on YouTube: https://youtu.be/BQtrLx0EELw

May 18, 2020
725-Friday Q&A: Future of the USA, Bank on Yourself, Master's Degree, How to Meet Smart People

It's Friday! Today we cover:

  • 1:30 - What does Joshua think about the long-term future of the USA?
  • 25:08 - Is Bank on Yourself / Infinite Banking a good idea?
  • 56:13 - Should I get a Master's Degree right now or a job?
  • 1:13:00 - How can I start a forum to meet smart people?


P.S.  To join me on next week's Q&A show, join me on Patreon: https://patreon.com/radicalpersonalfinance 

May 15, 2020
724-The Biggest Lifestyle Improvement Opportunity Available to You Right Now!

You have an incredible opportunity available to you right now. Don’t miss it!

Watch this episode on YouTube: https://youtu.be/cvFLUsmlMWI

May 11, 2020
723-Seven Rings of Liberty: What Do You Do When You're Free?

Watch this episode on YouTube: https://youtu.be/xBThQszqk4E

May 06, 2020
722-Why I Don't Miss Investing in the Stock Market

Watch this episode on YouTube: https://youtu.be/3KiE5BOwM9E

May 04, 2020
721-Friday Q&A: Stock Market Volatility, For-Profit Schools, Personal Self-Confidence, HELOCs, Etc.

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?
May 01, 2020
720-Commit to Growth, Exercise Courage, Develop Capability, Find Confidence
May 01, 2020
719-How to Have a Low-Cost Adventure in the Midst of a Financial Depression

Think you can't have a traveling adventure simply because you don't have any money? Well, if you think you can or you think you can't, you're right. If you'll adjust your mindset a bit, you can head out on a traveling adventure right now.

Apr 21, 2020
718-Friday Q&A: Credit Card Annual Fees, Like-Kind Exchanges, What to Do Next After Debt, Side Businesses, etc.

It's Friday! On today's live Q&A show we discuss:

  • 1:10 Should I keep a credit card with an annual fee because it helps my credit score?
  • 5:22 Should I pay off my mortgage right now or wait so I can invest in rental real estate?
  • 10:59 Will the rental market be in demand again in the future?
  • 12:22 Should I refinance my 15-year mortgage to a 30-year in order to have more cashflow?
  • 15:20 What should a Radical Personal Finance live event look like?
  • 23:47 Should I do a like-kind exchange right now or sell the property, pay the tax, and wait for the market to decline?
  • 41:43 I'm 28 and just got out of debt. What should I do next?
  • 59:26 How should I start a side business while simultaneously working a high-profit day job?
Apr 17, 2020
717-Friday Q&A: HELOCs, Deferring Mortgage, Investing for 18-Year-Olds, Moving to the Country, Voluntary Furloughs, Etc.

It’s Friday! On today’s Q&A we cover:

  • 1:23 - Should I take the HELOC money out and put it into my bank account?
  • 4:57 - Should I defer my mortgage payments if possible?
  • 6:30 - How does this economic crisis affect my FIRE plans?
  • 16:52 - What should an 18-year-old do with $56,000 in his bank?
  • 32:49 - Should we leave our high-income job to fulfill our dream of moving to the country?
  • 48:24 - How should I give away $40,000 to $50,000 per year effectively?
  • 1:19:20 - Should I take a voluntary furlough from my job?
  • 1:24:12 - How should I set up my new business structure?
  • 1:40:45 - How do I choose between two good job offers?
Apr 10, 2020
716-How to Profit From a Recession

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.


Apr 07, 2020
715-How to Respond to An Emergency Loss of Income
Mar 31, 2020
714-Friday Q&A: COVID-19 Update, Positive Thinking, Working Class Mentality vs. Rich Mentality, Ethical Problems, Market Participation, etc.

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

  • 1:00 Joshua's predictions on COVID-19
  • 17:32 How to be positive during COVID-19
  • 27:00 How to walk away from a working class mentality and adopt a rich mentality
  • 52:12 Is it ethical for me to take unemployment insurance?
  • 1:03:13 Is this a good time to go into the market?


Mar 27, 2020
Short Update: Courses, Consulting, and What a Man Really Needs

Quick update:

  • I'm available for private consulting. Hourly rate is discounted from $400 to $250 until the end of March with code MARCHMADNESS Email me: joshua@radicalpersonalfinance.com
  • Courses are 20% off with code "CORONAVIRUS" at www.radicalpersonalfinance.com/store and at www.radicalpreparedness.com

“To be truly challenging, a voyage, like a life, must rest on a firm foundation of financial unrest. Otherwise, you are doomed to a routine traverse, the kind known to yachtsmen who play with their boats at sea… “cruising” it is called. Voyaging belongs to seamen, and to the wanderers of the world who cannot, or will not, fit in. If you are contemplating a voyage and you have the means, abandon the venture until your fortunes change. Only then will you know what the sea is all about.

“I’ve always wanted to sail to the south seas, but I can’t afford it.” What these men can’t afford is not to go. They are enmeshed in the cancerous discipline of “security.” And in the worship of security we fling our lives beneath the wheels of routine – and before we know it our lives are gone.

What does a man need – really need? A few pounds of food each day, heat and shelter, six feet to lie down in – and some form of working activity that will yield a sense of accomplishment. That’s all – in the material sense, and we know it. But we are brainwashed by our economic system until we end up in a tomb beneath a pyramid of time payments, mortgages, preposterous gadgetry, playthings that divert our attention for the sheer idiocy of the charade.

The years thunder by. The dreams of youth grow dim where they lie caked in dust on the shelves of patience. Before we know it, the tomb is sealed.

Where, then, lies the answer?

In choice. Which shall it be – bankruptcy of purse or bankruptcy of life?”

Mar 25, 2020
713-Friday Q&A (Please Listen! SERIOUS Financial Concerns Discussed & Analyzed)

It's Friday! We have a Q&A show today. But please listen. My economic concern continues to grow and I want you to be prepared for what could happen economically in the future. It's very serious.

  • 1:15 I have a family member stuck in Costa Rica. How do they get home?
  • 4:10 I'm about to get a tax refund. What should I do with the money?
  • 33:05 Should I be working in California or Spain at the moment? How can I profit from the current crisis?
  • 52:25 Why should I have thousands and thousands of dollars of physical currency available to me right now?
  • 1:16:15 How can I properly integrate a Dave Ramsey portfolio into my life?
Mar 20, 2020
712-Don't Fight the Seas, Simply Change Your Goals Instead

Your goals can be changed in an instant; the seas cannot. It's easier to simply change your goals than the seas ahead.


Mar 19, 2020
711-Understanding the Rough Economic, Fiscal, & Monetary Waters Ahead
Mar 18, 2020
710-Where Do We Go From Here? (COVID19)

Perhaps, like me, you're having a hard time getting your brain to accept what you're seeing around you and on the news and you're trying to figure out what's going on.

In working through this problem, I decided to chart out my Best-Case Scenario and my Worst-Case Scenario for both the medical problem of the COVID-19 pandemic and the economic outlook.

I figured I might as well turn the microphone on and let you listen in.

I hope it's useful.


Mar 15, 2020
709-Friday Q&A: Rentals, Down Payments, Refinancing, Career Transition, Quitting Job Right Now, Tax Loss Harvesting, EU Citizenship, 401(k) Loans, Nomad Living, Prepping and Keto Diets, Etc.

It's Friday! Time for Q&A. In today's show we cover:

  • 1:30 - How should I prepare for buying rental real estate in 2 years?
  • 10:40 - Should I contribute to retirement savings while saving a down payment?
  • 13:15 - Should I use a Roth IRA to accumulate a down payment?
  • 18:00 - If I refinance my mortgage to get lower rates, what should I do with the money?
  • 26:15 - How can I make the transition from a lucrative career to a side hustle?
  • 45:45 - Should I quit my job right now, given the recent changes in the economy?
  • 51:15 - Can I do tax loss harvesting with two index funds?
  • 54:05 - My wife is a French citizen. Should I also pursue French citizenship?
  • 1:01:00 - How do I know when it is time to buy a stock?
  • 1:03:10 - Should I take a 401(k) loan to set aside for potential opportunities?
  • 1:14:30 - How can I become freer and richer by setting up a nomad lifestyle?
  • 1:47:20 - How can I prep and build food storage while maintaining a Ketogenic diet?



Mar 13, 2020
708-Warning: Don't Let My Optimism Lead to Your Inaction (Coronavirus)

I woke up this morning and felt like I've been overly optimistic in my tone recently. I genuinely feel optimistic, but that's not because I don't think the situation is very dire. It is. In today's show, I try to share with you why I feel optimistic but I seek to give you a stern warning not to let my optimism lead to your inaction.


Mar 12, 2020
707-Thoughts on COVID-19 Events du Jour

Quick interim show to share a few of my thoughts on the emerging COVID-19 events.

Fascinating study in human psychology going on now. Pay attention!

Mar 12, 2020
706-Current Events: Coronavirus, Recession, Stock Market, and Risk Management

Current events show today. Let's discuss:

  • COVID-19
  • Economic prognostication
  • Stocks
  • Risk Management



Mar 06, 2020
Louisville Meetup on Tuesday, March 10

I'm hosting a public meetup for RPF listeners in Louisville, KY on Tuesday, March 10 (evening).

If you'd like to come, email me for details: joshua@radicalpersonalfinance.com


Mar 06, 2020
705-Friday Q&A: Upgrading Lifestyle, Public Speaking Course, MPT, Antibiotics, 401(k)s, Multiple Citizenships, LTC Insurance, Asset Protection for Real Estate, ISOs

Friday Q&A show:

  • 1:35 I'm 25 years old and ready to upgrade my lifestyle. Can I and still get rich?
  • 14:30 Should I pay the big money for a Dale Carnegie course instead of Toastmasters?
  • 22:10 Is it possible to be a financial advisor when you don't like Modern Portfolio Theory?
  • 32:15 Should I stock up on fish antibiotics for an emergency?
  • 37:15 Should I stop investing in a 401(k) if I don't trust the government promises?
  • 53:11 My "dream job" is turning not to be so dreamy. Should I quit or stick with it?
  • 1:12:50 What citizenships should I establish for my children so they have a brighter economic future?
  • 1:44:41 Should I buy Long-Term Care insurance for myself at age 34?
  • 1:54:42 How should I do asset protection for my real estate portfolio?
  • 2:01:52 When should I exercise my Incentive Stock Options?
Mar 02, 2020
704-Friday Q&A: Master's Degree, Changing Income, Cancel Whole Life Insurance, Pay Off Mortgage Early, etc.

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

  • 2:00 How should I support my girlfriend's desire to get a Master's degree in international development?
  • 10:29 How should we make an investment plan for lowering our household income due to changing family circumstances?
  • 16:55 Should I cancel my daughter's whole life insurance policy and do something else with the money?
  • 38:40 Should I keep my mortgage and plan to pay it off with my stock market investments so I can retire early?
Feb 28, 2020
703-On-the-Ground Insights to Prepare for a Venezuela-Style Economic Collapse

The most important economic collapse ongoing in the world right now is Venezuela. Today, I bring you an interview with a friend of mine who is actively working inside Venezuela to bring relief. He's here to share with you his experiences of what things are actually like inside Venezuela.


Feb 26, 2020
702-Why You Should Take the Coronavirus Seriously and Prepare

It's been a month since I first spoke to you about the Coronavirus, now called COVID19. In today's episode, I double-down and share with you my concern and how I think you should prepare for the potential economic ramifications of global pandemic.


Join my prepping class tonight! www.RadicalPreparedness.com

Understanding Just-In-Time inventory systems: Episode 581

How to Prepare for Recession: Episode 666

CDC: "Interim Guidance for Businesses and Employers to Plan and Respond to Coronavirus Disease 2019 (COVID-19), February 2020"

Feb 24, 2020
701-Seven Rings of Liberty: Financial Liberty

Today, we reach the seventh, capstone Ring of Freedom: Financial Liberty. When you are Financially Independent (able to live your desired lifestyle on the income from your investments), you have reached a genuinely huge level of personal freedom.



Feb 21, 2020
700-Friday Q&A: Should I Break My Lease and Live in My Prius?

It's Friday! That means a live call-in show for Patrons. Sign up here: http://patreon.com/radicalpersonalfinance

Today, we cover:

  • I just left my job. Should I break my lease and live in my Prius?



Feb 14, 2020
699-Seven Rings of Freedom: State Liberty

How do you live freely in a world of increasing government oppression? Is it possible to escape onerous government involvement in your life?

Here's my answer!


Feb 12, 2020
698-Seven Rings of Freedom: Business Liberty

I'm convinced entrepreneurship provides you with a massive level of personal and lifestyle freedom.

Here's why.


Feb 10, 2020
697-Seven Rings of Freedom: Spending Liberty (Part 2 of 2)

In this episode, part 2 of our "Spending Liberty" focus, we discuss the value of savings and how relatively small amounts of savings can buy you personal freedom!


Feb 04, 2020
696-Seven Rings of Freedom: Spending Liberty (Part 1 of 2)

Today we talk about the incredible liberty that you can enjoy in your life when you make the commitment to get and stay debt-free!



Jan 31, 2020
Live Practical Preparedness Class Starting February 3

Join me for a live set of classes on Practical Preparedness.

Classes begin February 3. Sign up here: http://radicalpreparedness.com

More details in the show,


Jan 28, 2020
695-How to Prepare for a Flu/Coronavirus Quarantine

I'm fascinated by the reports and videos coming out of Wuhan, China. I've never before seen a city of 11 million people shut down for a quarantine. I don't think it's every been done before! But it's amazing to watch.

Today, I want you to think about what would happen to you and your family if you were quarantined for an extended time.

If I sent you home and said you and your family had to stay there for the next 30 days, could you do it? Would you survive? Would you be comfortable?

If not, you're behaving irresponsibly. And you need to prepare for such a thing.

To start, you probably need to buy some food. In this show I give you some practical foods to start with.



P.S. Sign up for my live webinar series on Practical Family Preparedness: www.RadicalPreparedness.com

Jan 27, 2020
694-Friday Q&A: Should We Quit Our High-Income Career to Be Home With The Kids?

To join next week's Q&A call, go to www.patreon.com/radicalpersonalfinance


Jan 24, 2020
693-Fat Loss & Money: 70 Pounds and Counting

In today's show I share with you some fat loss and money lessons learned from my 70 pounds of weight loss over the last 6 months.

I hope you'll find some nuggets to help you get skinny and rich as well.


Jan 16, 2020
692-Seven Rings of Freedom: Family Liberty

I want you to live as a free man. So in this series, I'm working to give you some ideas as to how you can achieve a very high level of freedom while you're on your way to financial independence.

Today, I'm going to share with you the dramatic impact that home education can make on your family's personal liberty.


Jan 14, 2020
691-Financial Goals for You To Set: Get a Better Job

You should set a goal of getting a better job. Here's why!


Jan 13, 2020
690-Seven Rings of Freedom: Spousal Liberty

In this series, I aim to give you some ideas that have helped me to develop an extremely free lifestyle, even though I'm not yet financially independent.

Today, I'm going to share with you one of the single greatest assets that I enjoy in my quest for personal freedom: a stay-at-home wife.

This lifestyle choice is one of the things that has most meaningfully contributed to the joy and freedom that my family experiences.

It's also helped us massively financially.

Consider it for yourself!


Jan 10, 2020
689-The Missionary Position

Today I have an interesting essay to share with you. Have you ever thought of The Missionary Position as a path to a life of global freedom?




Jan 09, 2020
688-Seven Rings of Freedom: Spiritual Liberty

I want you to experience a lifestyle of freedom and liberty, in every sense of the word. So today we begin a new series called "Seven Rings of Freedom."

Achieving financial independence will make you more free. But there are a bunch of things that you can do along the way that will greatly increase your freedom.

Today, we discuss Spiritual Liberty. If you are personally, spiritually free, you can enjoy peace and joy and contentment in your situation, no matter what the details of your situation are. You can be a human slave and be completely free, if you possess spiritual freedom.

For that reason, we begin our series with Spiritual Liberty and a discussion of why Christianity is the superior path to Spiritual Liberty.


Jan 07, 2020
687-The Decade Past; The Decade To Come

Today I reflect on some of the successes and failures of the decade past and share some of my ambitions for the decade to come.


Dec 31, 2019
686-How to Set Financial Goals, Part 4: Set Goals You Don't Know How to Achieve

Set goals that you don't know how to achieve.


  • www.RadicalBookList.com
Dec 19, 2019
685-Friday Q&A: Business Liability Insurance, Life Insurance for Fat People, Short-Term Savings, Dividend Investors

It's Friday! Time for Q&A:

  • 3:40 Do I need liability insurance for my business?
  • 35:45 How can I get good life insurance rates if I'm fat?
  • 1:20:25 What should I do for $300,000 of cash I'm saving for a business investment very shortly?
  • 1:22:30 Why are "high finance" people so dismissive of people who like dividend investing?


  • Join me for next week's call by supporting the show on Patreon. www.patreon.com/radicalpersonalfinance
Dec 13, 2019
684-How to Set Financial Goals, Part 3: Count the Cost

When you set a goal, you've got to count the cost; the financial cost and the opportunity cost.

Counting the cost may be enough to show you the path forward.


Dec 12, 2019
683-Friday Q&A: Career Skills, Buying a House, 401(k) Safety, Investing Locally, 1% Fees, etc.

It's a live Q&A show today! We cover:

1:30 - How can I build career confidence and skills when I don't have much time?

30:15 - I just got married; what is good advice for buying a house?

41:35 - How can I make sure that my 401(k) money is safe in case of recession?

54:15 - How can I invest into my local community?

1:12:45 - Should investors pay 1% to hire a financial advisor?

Dec 06, 2019
682-How to Set Financial Goals, Part 2: Why & How

Dig deep—really deep—into the "Why" behind your financial goals.


Dec 03, 2019
681-How To Set Financial Goals, Part 1: Dream and Count the Cost of Your Dreams

A new decade is dawning and my hope is that this decade be the best one yet!

But if you're going to tackle this decade proactively, you'll need to begin by dreaming a bit about what you'd like to accomplish this coming decade.

Let's get started,


Dec 02, 2019
680-Ketogenic Eating for Good Health and Rapid Fat Loss with Jack Spirko, Host of The Survival Podcast

On today's show we veer away from financial independence and into living well today with a discussion of the Ketogenic diet.

I've invited Jack Spirko, host of The Survival Podcast on today's show to discuss his recent weight loss journey.

He has lost a significant amount of body fat in a short period of time and together we share ideas, tips, and experiences to help you achieve fat loss as well.



Nov 30, 2019
679-Fifty Pounds and Counting: Encouragement For You From My Own Weight Loss Journey

Over the last 5 months or so I've lost over 50 pounds of fat. This fat loss has significantly improved the rich quality of my life.

I'd like to share a few words of experience and encouragement with you to help you on your own fat loss journey.


P.S. Remember, code "CYBER50" saves you 50% off all my courses through Monday at www.RadicalPersonalFinance.com/store

Nov 29, 2019
678-Live Rich Now By Cultivating Gratitude For Your Trials

Don't be so future-focused that you miss the lessons and joy of today's trials.


Nov 27, 2019
677-Don’t Just Stand There Researching...Try It!
Nov 21, 2019
676-Medical Tourism: Real-Life Experiences From Myles Wakeham of Be Unconstrained

Today's guest recently had extensive shoulder surgery done and he saved thousands by choosing to have the surgery in Mexico rather than the USA. We discuss the details of his experience as well as his personal financial independence success story.



Nov 07, 2019
675-Friday Q&A: Buying a Business, Minority Shareholder, Gifting a Rental, Refinancing Mortgage, Etc.

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?



Nov 01, 2019
674-Friday Q&A: Sabbaticals, Home-Schooling, Modern Portfolio Theory

On today's Friday Q&A, we cover:

  • 1:45 The value of a sabbatical
  • 17:45 Homeschooling vs. private schools
  • 46:30 Modern Portfolio Theory



Oct 25, 2019
REPLAY: 575-How & Why I Scanned My Entire Library So I Can Carry It With Me On The Road

In light of the previous show, I've received many questions about scanning all my books. Here's a replay of the show where I explain what I've done and why.


Oct 17, 2019
673-How To Read A Book

Reading can provide you with all of the knowledge you need to crush some very large goals in a very short time.

But you need to know how to read effectively.

Today, I teach you how.


Oct 09, 2019
672-Create The Reality You Will Live In

Listen to the show.


Oct 03, 2019
671-Ideas to Help You Build Social Capital and Political Influence

If you were discharged from the military for cocaine use, would you be able to seamlessly move into a $600,000/year job?

If not, you should consider building your influence a bit more!

In today's show I'll give you some ideas to help you develop this influence.


Sep 30, 2019
670-Building a Big Business With 7 Young Children in the House! Interview with Tim Schmoyer of VideoCreators

Can you imagine starting a business when you've been laid off from a job and you have many young children in the house? My guest today, Tim Schmoyer, has done just that. And he has prospered through the process.


Sep 25, 2019
669-Friday Q&A: Seminar, Healthcare Risk, Moving States, Parents' Retirement, Etc.

1:00 Would you like to come to a 3-day seminar with fellow listeners?
10:11 How can I prepare for healthcare risk?
24:50 How do I calculate the financial costs/benefits of moving states?
35:30 How do I help my parents who don’t have much money build a retirement plan?
53:05 How can I market my physical product?
1:06:45 Should I use whole life insurance as the cash component of my permanent portfolio?
1:30:10 Should I put my life insurance policies into a trust?
1:47:10 How do I balance prepping and minimalism?

Sep 21, 2019
668-An Immigrant Success Story: Broke to Financially Independent in 12 Years

My guest on today's show moved from India to the USA as a young man. Starting with no money, he became financially independent in about 12 years.

In today's interview we dig into the strategies and tactics that worked for him.



Sep 18, 2019
667-How To Build a Great Life When Everybody Hates You

In today's show, I have a special story for you of how my friend Anatole built a great life for himself, even though everyone hated him.



Sep 16, 2019
REPLAY 194-You Just Got Laid Off. Here's What To Do Next!

Today, we finish out the 3-part series on preparing for layoffs in the coming recession.

Today's show will be useful to you, even if you just got notice of your layoff and didn't do anything to prepare for it beforehand.

The major theme of today's show is that you need to take appropriate action with appropriate speed. If you're stuck with little savings and no preparation, that means take massive action, now! If you've planned a bit better in advance, it means be strategic and thoughtful.

We discuss:

  • The impact of self-confidence on your job hunt.
  • The importance of having work now and not being unemployed for a long time.
  • How to take massive action on your job hunt for quicker results.
  • What types of approaches are most successful for job hunters.
  • Some radical strategies you can plan for that will enable you to simply wait out and enjoy the recession instead of being stressed by it!



Sep 12, 2019
REPLAY 193-Make a Backup Plan In Case You Get Laid Off In The Coming Recession: Simple Action Steps For You To Consider

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.



Sep 10, 2019
REPLAY 192-Recession is Coming: How to Not Get Laid Off In the Next Recession

Originally released May 13, 2015. And just as important today.


For most of us, our jobs are the economic engine that drive every aspect of our financial plan. One of the worst things that can happen is to lose a job.

If the engine on your car dies, you're going to be stuck by the side of the road for a while. That's not pleasant for anyone, even if you're stuck in a safe area. But, if you're driving up a mountain (paying off debt and digging yourself out of a hole), having your engine die can be disastrous. And, if you have a destination in mind (financial independence), losing the engine in your car will at least delay you from reaching your destination.

So, the key is plan in advance to not lose the engine. Make sure you're doing the things you need to be doing now to avoid being laid off.

Obviously, you can't guarantee that you'll never be laid off, but you can do a lot to improve your possibilities!

On today's show, we cover:

  • The need to proactively improve your position within your company, your company's position within the industry, and your industry's overall prospects in advance.
  • Some ways to know if you've got a big target on your back or a small target on your back with the HR people are figuring out who to cut.
  • The importance of competing with your fellow employees and of collaborating and cooperating with them and why both are valuable.
  • Ways to stand out and produce up to 4x the output of your fellow employees.

Enjoy the show!




Sep 05, 2019
666-How to Prepare for the Coming Recession

It's official: the Yield Curve on US Debt is inverted. That's a pretty good indicator that recession is in our future.

So, today I want to tell you how to prepare for the coming recession.

Enjoy! And do.


Sep 03, 2019
665-Friday Q&A: YNAB, Privacy, Inheritances, & Prepping

1:30 How does Joshua use YNAB on a daily basis?
17:30 How has the pursuit of privacy cost you?
30:30 Should I have kept my inherited property as separate property instead of community property?
43:00 How can I get started prepping?

Aug 30, 2019
Meetup in Washington DC, September 3

I'd like to invite you to meet up with me on Tuesday, September 3 in Washington, DC, USA. If you'd like to connect, please email me and I'll give you all the details.

Email me: joshua at radical personal finance dot com.


Aug 29, 2019
664-Can You Become Financially Independent If You Have Children?

It seems like many of the prominent voices in the FIRE movement are single individuals or childless couples. But many of us have children or want to have children. Does that mean that we will fail in our attempts to become Financially Independent? Are you doomed to choose between FIRE or children?

Today, I'll give you my answers. (Spoiler: you can FIRE and have children too!)


Aug 28, 2019
663-Should Christians Participate in Tax Strikes and Tax Protest Movements?

We live in interesting times. It seems that most of us could list off several things that our government does with our tax money that we find offensive. But how should Christians deal with the morality of having their tax money used to support immoral activity? Should Christians participate in tax strikes and tax protests?


Aug 22, 2019
662-Why is Joshua So Anti-Tax?

A listener wrote in and essentially asked, "Why is Joshua so anti-tax?" So, I thought I'd give that question a crack for you.


Aug 20, 2019
661-Back to Basics: The Power of Cash

I want you to use more cash so you can get richer, faster.


Aug 14, 2019
660-Back to Basics: The Problem With Debt

I want you to understand the basic problem with debt so that you'll be prepared to avoid it.


Aug 12, 2019
659-How My Ideas and Philosophies on Education Have Changed Over the Years

I've talked a lot about education over the years...in this episode I'll tell you what we're doing with our children and talk about some philosophies that have been influential on me. And I'll tell you what I got wrong in the past.


Aug 07, 2019
658-The Natural Symbiosis Between Prepping and Financial Planning

There is a natural symbiosis between prepping and mainstream financial planning. Here's why.


Aug 05, 2019
657-Mental Money Games to Change Your Behavior for the Better

A key to life change is behavior modification. And mental money games can help you get there.


Jul 31, 2019
656-Twelve Interesting Ways to Invest In Your Children

Ask your average financial advisor how to invest for your children's future and he'll likely start pulling out brochures for a 529 plan.


Is there anything wrong with a 529 plan? No.

But is that really the most effective use of your money?

Only if you don't have any better ideas.

So let me give you some to ponder! Here are 12 Much More Interesting™️ Ways to Invest In Your Children!


P.S. Go here and buy something so I can do this stuff for my children! https://radicalpersonalfinance.com/store

Jul 29, 2019
655-Friday Q&A: Protecting a Non-Working Spouse, Cash Savings, Wealth Accumulation vs. Living, etc.

It's Friday! That means live Q&A.



Jul 20, 2019
654-A New, Legal Tax Scheme to Help You Save Capital Gains: Qualified Opportunity Zones

Today we discuss Qualified Opportunity Zones, a legitimately new way for you to potentially save on capital gains taxes.


Jul 17, 2019
653-How Tax Rule Changes Can Sink Your Financial Plan (Discussion of H.R. 1994: the SECURE act)

There is an important piece of legislation that has passed the House of Representatives and is being considered in the Senate. It's technically known as H.R. 1994 "Setting Every Community Up for Retirement Enhancement Act of 2019."

It has some changes that are potentially helpful to you; and some that may destroy the value of your qualified accounts.


Jul 15, 2019
652-Cost of Living vs. Quality of Life (with an international flair)

How do you balance the Costs of Living with your Quality of Life when you're thinking about moving out of your home country?

Let's discuss!


Jul 10, 2019
651-Can You Invest Better Than a Hedge Fund Manager?

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.


Jul 05, 2019
650-The Case for Pop-Up Campers

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

In this show, I tell you why.


Jul 02, 2019
649-Friday Q&A: Fiscal Future of the USA, Financial Coaching, International Living, Dividend Investing, Morality of Investing, Quitting my Job, etc.

1:30 What is the fiscal future of the USA in light of the Democratic candidates' debate this week?

19:12 How could I do financial coaching for the not-yet-wealthy?

35:20 What are the benefits of international living?

41:15 Should I be a dividend investor or index fund investor? And how can I simultaneously be a moral investor?

1:15:45 Should I quit my job because I can?

1:33:30 How could I invest differently than just real estate and mutual funds?

Jun 28, 2019
648-Friday Q&A: Sell Crypto to Pay Debt, Adjust Investments for Economic Uncertainty, Adjusting Finances for Divorce, Birth Tourism, Living Abroad, Etc.

Friday Q&A today!

  • 1:54 Should I sell my cryptocurrency to pay off my IRS debt?
  • 10:30 How should I readjust my investments to plan for future economic uncertainty?
  • 26:09 How should I think through my finances in the midst of possible divorce?
  • 59:46 What do I need to do with my US-based investments while I move to Spain?
  • 1:08:00 My wife and I are having a baby and are interested in birth tourism. How should we analyze the possibilities?



Jun 21, 2019
647-Asset Protection Planning for Mere Mortals - Part 12 - Intelligent Asset Titling

If you care about asset protection planning, there's hardly any reason for you to own an asset in your own name. So, you'll have to get used to titling asset in slightly different ways.

Today, I teach you why and how.


Jun 21, 2019
646-How to Travel the World On The Cheap

When I ask people about their goals, about 80% of people tell me they want to travel when they retire. And yet, very few people actually follow through and travel!


Of course there could be many reasons. But if the cost of traveling is keeping you at home, I want to help you.

In today's show, I'll share with you some ideas and strategies to travel the world on the cheap.



Jun 17, 2019
645-The Power of Choosing Not to Retire

In today's show, I'm going to teach you how an average guy can build a $165,000,000 estate by choosing not to retire. And I'll tell you a bunch of reasons why that would be great for you to plan for (even though you're simultaneously working towards financial independence in 10 years or less).



May 29, 2019
644-Who Do You Want to Remember You and What Do You Want to Be Remembered For?

This is one of the most important questions you can think about. And don't be scared to change your answers as you learn and grow.


May 27, 2019
643-Should I Fix My Broken Car or Replace It?

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!


May 20, 2019
642-Friday Q&A: How to Contribute to an IRA When You're Taking the Foreign Earned Income Exclusion, How Should You Think About FIREing Yourself From A Big-Money Job

It's Friday! Today, we discuss:

  • Taking the Foreign Earned Income Exclusion
  • How Should You Think About FIREing Yourself From A Big-Money Job


May 10, 2019
641-$1,500 a Month On Non-Essentials? Society Discusses

Here's the link: https://mobile.twitter.com/USATODAY/status/1125891810595954688

Read the conversation and form your own opinions.


May 08, 2019
640-The Accidental Millionaire (And What You Can Learn From His Example)

Today, I tell you the story of the Accidental Millionaire and a few lessons for both of us.



May 06, 2019
639-Friday Q&A: International Healthcare, Avoiding Wealth Taxes, Etc.

It's Friday! Today we discuss:

  • International healthcare options
  • Avoiding wealth taxes
  • Second passports for children
  • And more!


May 03, 2019
638-Asset Protection Planning for Mere Mortals - Part 11 - Wage Exemption Planning

Wages provide you with the financial fuel you need to build wealth. So it absolutely stinks when those wages are sucked up by your creditors in wage garnishments. So how can you protect your wages and keep them for yourself?

That's what we discuss today!


Apr 23, 2019
637-How to Find an Excellent Wife: The Decision

One of the most fundamental decisions you can make in life is to marry or not to marry. If you marry, your life, your budget, and your career will look dramatically different than a peer who remains unmarried.

Marriage can be one of the biggest blessings to your life, resulting in greater happiness, better health, a higher income, and more wealth.

Marriage can also be one of the greatest curses you can experience and it can devastate your emotional state, your physical health, your career, and your wealth.

So, you need to choose wisely.

In Part 1 of this series, I discussed various ways that you can prepare yourself to be attractive to an excellent wife.

In today's show, I do my best to give you an honest assessment of the risks involved so you can choose whether you desire to marry or to remain unmarried.

I hope it's thought-provoking.


Apr 19, 2019
636-The Case for Moving to Puerto Rico

If you're a US citizen who earns $500,000 or more, who is not willing to renounce your US citizenship, and who is involved in business and investing, you should seriously consider moving to Puerto Rico.


Apr 09, 2019
635-Friday Q&A: Moving From NY to FL to Cut Taxes, Life Insurance at Work, Investment Philosophy, 529 Plans

On Fridays we do Q&A! Today:

1:20 How can I effectively move from New York to Florida in order to end my tax residency?
17:20 What should I do with the life insurance I'm offered at work?
23:00 How do you advise someone to develop an overarching investment philosophy?
48:05 Should I put money into a 529 plan for my not-yet-conceived children?

If you'd like to join me next week, go here: www.patreon.com/radicalpersonalfinance


Apr 05, 2019
634-The Case for Moving Outside of the United States

Today, I'll teach you how a 25-year-old $100,000-earner could increase their estate by $90,000,000 by simply moving outside of the United States.




Apr 03, 2019
633-The Case for Moving to a No-Income-Tax State

One of the most effective things you can do when trying to figure out how to build wealth is to find ways to save big money. Fast. And since Americans collectively spend more on taxes than housing, food, and clothing—combined—you should start by trying to save money on taxes.

Today, I give you my case for why you should consider moving to a No-Income-Tax state.



Apr 01, 2019
632-Asset Protection Planning for Mere Mortals - Part 10 - Personal Property Exemption Planning

Today, we continue our Asset Protection Planning series with a deep look at the Personal Property Exemptions. I've never heard asset protection planners give much attention to the Personal Property Exemptions. But that's understandable to me.

When dealing with the mega-wealthy, it's hard to see how the Personal Property Exemptions make any difference in terms of financial planning.

But, for a "mere mortal," I think there's a really good argument that the personal property exemptions can be really important.

Tune in to the show to hear why!


Mar 25, 2019
631-Individual Solutions Can Lead to Success and Happiness; Collective Solutions Lead to Frustration and Misery

As I recently finished my course on "How to Survive and Thrive During the Coming Economic Crisis," I was struck with how simple and feasible the individual solutions are, while how utterly impossible and difficult the collective solutions are.

Choose success and happiness by focusing on the individual solutions you can put in place in your own life.


p.s., If you haven't yet, go check out my newest course!

Mar 21, 2019
630-Friday Q&A: Whole Life Insurance, Walmart for Do-Gooders-of-The-Year, Asset Allocation in Retirement, Paying off Mortgages & More!

1:20 Should I change my whole life insurance policy because my income is going down?
18:40 Why do you think Walmart has done more good for poor people than any non-profit organization?
30:00 How should I adjust my asset allocation now that I'm retiring?
42:40 Should I pay off my mortgage on my retirement house?
49:15 Where should I keep my medium-term savings?
52:00 How can I include real estate in my Permanent Portfolio?
58:00 How can I invest in the people in my community?
1:05:00 Can I use a private foundation for my wealth planning?

Mar 08, 2019
629-[In-Depth Version] Federal Debt: The Ticking Bomb that No One is Willing to Defuse

Yesterday, I released to you a discussion on the Federal Debt in the United States. That show should be your introduction to this problem.

But in thinking about it, I felt like it was incomplete. I wanted to present some useful materials, in audio format, for listeners who don't have a firm background in the fundamentals of the problem.

So I decided to go in-depth to try to lay out the problem very clearly.

This show is deep and difficult. It holds quite a bit of my reading to you--but also some interesting commentary.

If you're trying to understand the underlying, structural problems more clearly, listen to the show.

If you prefer reading, start with these two links:

Mar 07, 2019
628-Federal Debt: The Ticking Bomb that No One is Willing to Defuse

We face a massive problem in the United States right now. Put simply:

  • We are borrowing more money than ever before.
  • There's no plan for us to borrow less money in the future.
  • There's [almost] no mathematically sound plan that can be created to have us borrow less money in the future.
  • No major, national politician is loudly, consistently talking about how we can spend/borrow less money.
  • Rather, there are loud, vigorous, and strengthening forces moving in the direction of borrowing even more money.

The government has only three sources of funds:

  • Taxation (bad for you if you earn money or have wealth)
  • Borrowing (bad for you if you're a citizen, not an investor)
  • Inflation (bad for you if you're a saver)

There's enough evidence for honest, careful people to predict the strong probability of future crises.

The problem is, we can't know when these crises will occur.

But it's time to start preparing.


Mar 06, 2019
627-Asset Protection Planning for Mere Mortals - Part 9 - Health and Education Account Exemption Planning

Today, we continue the Asset Protection series with an in-depth look at health and education accounts. Specifically, we cover:

  • Health Savings Accounts / Medical Savings Accounts
  • Flexible Spending Accounts
  • Health Reimbursement Arrangements
  • Qualified Tuition Programs (529 Plans)
  • Coverdell Educational Savings Accounts
  • UTMA / UGMA accounts
Feb 18, 2019
626-Friday Q&A: Capitalism vs. Communism, Umbrella Liability Insurance, Buying a House While in Debt, etc.

1:45 - Is it moral to support the current capitalist system of economics?

32:20 - How can I figure out how much umbrella liability insurance to purchase?

39:00 - Does having a higher umbrella liability insurance policy make you the target of a lawsuit?

46:05 - I want to buy a house but I'm in the middle of paying off debt (on Dave Ramsey's Baby Steps plan). Should I pay off the debt first?

Feb 15, 2019
625-Friday Q&A: Maximizing Business Value for a Sale, Preparing for a Meeting with an Estate Attorney, and More!

1:00 - Should I roll my 401(k) over to my new job or into an IRA?

11:30 - How should I prepare for a meeting with an estate planning attorney?

17:55 - How should I decide to indulge myself with a luxury expense?

35:45 - Life insurance advice for a newlywed couple.

48:05 - How can I maximize the value of my business for sale?

Feb 08, 2019
624-The 5 Possible Future Scenarios (from Fantastic to Catastrophic) and How to Plan for Them

The future will be one of the following:
1. Same as now or better
2. Similar to a recession
3. Similar to a depression
4. Similar to mad max
5. Void of humans due to asteroid hitting earth or similar calamity

Feb 04, 2019
623-Friday Q&A: Life Insurance, Protecting Money in Brokerage Accounts, Optimizing Taxes while Living in Bermuda, etc.

2:00 - Life insurance advice for a recently married husband
6:15 - How can I make a back-door Roth contribution without being subject to the pro rata rule?
11:35 - How can I protect the money in my taxable brokerage accounts?
20:50 - How can I optimize my tax situation as an expat living in Bermuda?
47:20 - I live in China and am returning to the USA. What should I do with my money?
50:25 - How should I balance paying off debt with real estate investment?
1:03:05 - How can I invest for my 15-month old daughter?

Feb 01, 2019
622-Asset Protection Planning for Mere Mortals - Part 8 - Annuity Values and Annuity Payments Exemption Planning

In this episode of the Asset Protection Series, we do a deep-dive into annuities. Entry-level stuff at the beginning and some extra, hard-core bonuses at the end.


Jan 30, 2019
621-Friday Q&A: Investing in Distressed Mortgage Notes, CFA Credential, Roth 401(k) vs. Traditional, Privacy vs. Functionality

1:20 - How Can I Invest in Distressed Mortgage Notes Inside my Roth IRA?
8:05 - Should I Pursue a Chartered Financial Analyst Credential for My Own Investment Knowledge?
17:00 - Should I Contribute More Money to a Roth 401(k) than a Traditional 401(k)?
38:15 - How can I Balance Personal Privacy and Functionality in Building My Business?

For reference to any time-dated commentary, this show was recorded on 12/21/2018.

Jan 25, 2019
Out & About: Interview for "In The Rabbit Hole" Podcast

This is a recording of an interview I gave for "In The Rabbit Hole."

ITRH: E272: The Truth About Money and Preparedness

Originally published: November 12, 2018


Jan 22, 2019
620-Friday Q&A: Financial Planning for Newlyweds, 401(k)s Without a Match, 529 vs. Roth IRA for College Education

1:25 - I just got married. What financial planning should I do now?

39:35 - My employer offers a 401(k) with no match. Should I participate?

55:35 - How can I save for my child's college education with a 529 plan or with a Roth IRA?

For reference to any time-dated commentary, this show was recorded on 12/20/2018.

Jan 20, 2019
619-Empathy and Personal Responsibility When Living Paycheck-to-Paycheck: Interview with the Cheap Bohemian

In Episode 616, I argued the point that if missing one paycheck is a problem for you, you're behaving stupidly. My guest on today's show took umbrage with my commentary on Twitter. So invited her on to discuss!



Jan 17, 2019
618-Reflections on the State of the USA From Two Travelers

Chris Moody and I have both spent the last 6 months traveling the width and breadth of the United States with an eye toward understanding the current moment. In this podcast, we discuss our findings.

  • Life Opted Out www.instagram.com/lifeoptedout 
Jan 15, 2019
617-Friday Q&A: Giving Money to Poor People, Contributing My Salary to my Wife's 401(k), Protecting Investment Accounts, Buying Term Life Insurance while FI, etc!

1:45 - How can I give nice gift to people who are poorer than I am without creating a power imbalance?

15:20 - Can I contribute my salary into a 401(k) plan for my wife in order to maximize our retirement account contributions?

28:05 - How can I protect my non-qualified investment accounts that are exposed to the claims of creditors?

44:30 - I don't "need" term life insurance because I'm financially independent. Should I still buy some?

51:00 - I'm following Dave Ramsey's baby steps and am almost out of debt; should I store up my emergency fund in a Roth IRA?

56:00 - I want to buy an investment that will pay for my new car instead of just burning all my cash on the car. How do I do that?

(For the context of any time-relevant comments relating to current events, this Q&A was recorded on 12/19/2018.)

Jan 11, 2019
616-If Missing One Paycheck is a Problem For You, You're Behaving Stupidly

Stop behaving stupidly with your money.

Jan 09, 2019
615-How to Find an Excellent Wife: The Preparation

Today, I share my advice for young men on how they can find an excellent wife. In short, you must become an excellent man. That's the task. Here are some ideas on how.



Jan 08, 2019
614-End-of-The-Year Encouragement

Just a few thoughts to encourage you as we shut down for the Christmas break. May you have an opportunity to be encouraged and to encourage another person who is close to you.

Your voice matters.

Love you,


Dec 21, 2018
613-A Useful Question to Help You Get Better Advice from Experts
Dec 19, 2018
612-Q&A: Pay Off Debt or Invest, 529 Plan Optimization, Financial Planning Fees, Tax Issues, College Planning

2:00 - Should we pay off our mortgage or invest?

9:50 - Should I put more money into one of my child's 529 plans in order to help them on their financial aid calculations?

18:30 - Should a retiree in her 60s pay 1.7% as a financial planning fee?

47:20 - How should we unravel the tax situation for a house that I live in but don't own?

1:13:00 - What college financial planning organization should I choose?

Dec 18, 2018
611-Q&A on Dollar Cost Averaging, Roth IRAs for children, Bitcoin as an Asset Protection Tool, Getting into the Financial Planning Industry

1:30-Should I dollar cost average into my Roth IRA or wait for a market downturn?

6:00-How can I get money to my child so they can make a Roth IRA contribution?

21:30-Can I do good asset protection by transferring all my money into a secret Bitcoin wallet that's kept completely offline?

34:00-Can I become a financial planner without pursuing it full-time?

Dec 17, 2018
610-Friday Q&A: State Competition in Asset Protection Planning, Education, Financial Planning While Pregnant, Is Patreon a Good Funding Option, and More!

2:45 - If you move from one state to another, do you have to start all over with your asset protection plan?
15:30 - How frequently does a state change its laws that relate to asset protection planning?
21:30 - What is the interplay between Federal regulations and State regulations?
23:35 - Is a 403(b) protected the same as a 401(k)?
25:30 - How have Joshua’s views on education changed in the last four years?
36:30 - What specific inspirational resources would Joshua recommend on the topic of education?
43:20 - How do you set financial priorities when you’re expecting a baby?
51:15 - How do you plan when you have a highly fluctuating income?
1:00:15 - How do you balance having a stockpile of cash while looking at big personal lifestyle expenses?
1:04:35 - Is Patreon a good option to monetize your website?
1:24:00 - Should our company add a Health Savings Account or Christian Healthcare Sharing Ministry option to our health plan?

Dec 14, 2018
609-Asset Protection Planning for Mere Mortals - Part 7 - Life Insurance Exemption Planning
Dec 13, 2018
608-Asset Protection Planning for Mere Mortals - Part 6 - Retirement Account Exemption Planning
Dec 10, 2018
607-The Only 3 Legitimate Reasons to Buy an RV (that I can come up with)
Dec 06, 2018
606-Asset Protection Planning for Mere Mortals - Part 5 - Homestead Exemption Planning
Dec 03, 2018
605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

Nov 28, 2018
604-Asset Protection Planning for Mere Mortals - Part 3 - What Is The Problem We're Protecting Against?
Nov 20, 2018
603-Friday Q&A: Healthcare Sharing Ministries and Their Maximum Limits, Health Savings Accounts, and What To Do With An Inheritance When You're in Debt

It's Friday! That means live Q&A:

  • Healthcare Sharing Ministries and Their Maximum Limits
  • Health Savings Accounts and HCSMs
  • What To Do With An Inheritance When You're in Debt




Nov 16, 2018
602-Asset Protection Planning for Mere Mortals - Part 2 - The Morality and Legality of Asset Protection