Radical Personal Finance

I've really got a great show for you today. It's one that brings together so many things that I love talking about! Travel with Family, Entrepreneurship, Marketing, Financial Independence, and more! My guest is Anthony Amos. He's an Australian entrepreneur who started out with a tiny little backyard dog-washing business. He grew it, franchised it across Australia, and then sold it and decided he was rich enough to go into property development. His timing was not so great (right before the real estate crash) but he suffered through. Later, he wound up buying the company back and he's in the process of expanding across the United States! At the moment, he and his family are in the middle of a 50+-state RV trip all across the USA with a goal of raising $1,000,000 for dog rescue. Along the way, they're enjoying an incredible family adventure and publicizing their dog washing business! This one is well worth your time! Joshua Anthony's website: https://bathetosave.com/ Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

It's tax-time! That means that you face a problem: how should you do your taxes? Should you print off the 1040 form from the internet and fill it in by hand? Should you use tax software? Should you hire an accountant? Here are my thoughts on the matter! Joshua Great records will make doing your taxes an absolute breeze. Why not try YNAB for your budgeting and recordkeeping? Get a free 34-day trial at www.radicalpersonalfinance.com/YNAB Please support RPF on Patreon. Currently 267 people of the ~18,000 daily listeners support the show on Patreon for a total of $1,659 per month. I'd be thrilled if you'd join them! www.radicalpersonalfinance.com/patron

It's Friday! That means it's time for a live Q&A show. Today we handle two questions: How Can a 13-Year-Old Young Man Get His Start as a Financial Advisor? How Can an Early Retiree Calculate If He Has Enough Money Enjoy the show! Sign up as a Patron to be invited to future Friday call-in shows. www.radicalpersonalfinance.com/patron Joshua

Today's show is dedicated to marketing. I focus on answering a specific question about podcast marketing, but I do share a number of tips that are applicable on a broader basis. Here's the question: Hi Joshua, I was inspired to start my own podcast six months ago when I listened to your episode 300 entitled "30 podcasting lessons learned from 300 episodes". Your words of encouragement were invaluable for me and really made me believe I could do this. Your suggestion to focus on content and not the technical aspect of podcasting was the most significant takeaway for me. The podcast is only 30 episodes in and we consistently publish an episode every single week but wondered if you could provide some suggestions on how to grow your audience. Background information: Candian based personal finance podcast, host/co-host format, with the occasional guest Thanks so much, Trevor Simple Money Solutions podcast Go listen to Trevor's show! http://livelifesimple.ca/ Please use the coupon code "Radical" to get your first month of podcast hosting for free at www.libsyn.com Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron

I wasn't quite sure how I should approach today's book review of Tony Robbins new money book, so I asked the Radical Personal Finance Facebook group. I wrote: "I'm about to record my review of Tony Robbins' new book, Unshakeable. Should I do it in my current mood as ticked-off, angry Joshua and rip it to shreds or should I do it in my calm, collected and intellectually neutral voice, carefully presenting the good, the bad, and the ugly? Whadya want?" Well, most people seemed to want option A, so I turned the mic on and let it rip. Enjoy my review of Tony Robbins' latest book: Unshakeable: Your Financial Freedom Playbook: Creating Peace of Mind in a World of Volatility. Joshua p.s., If you missed it, here's my 3-hour review and critique of his first personal finance book, Money: Master the Game: 7 Simple Steps to Financial Freedom. Get a free 34-day trial of the personal budgeting software that I use every day: www.radicalpersonalfinance.com/YNAB Please support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/Patron

I recently completed a brief demographic survey of the Radical Personal Finance audience. I learned a ton about who you are! I thought it would be fun for me to share it with you and share how it impacted me. Enjoy! Joshua Do you need a website? Reach out to my own personal web team at www.sillygrasshopper.com and see if they can help you! Radical Personal Finance Audience Demographics Gender Male 78.9% Female 21.1% Age 13-17 0.2% 18-20 0.6% 21-24 6.9% 25-34 48.5% 35-44 29.8% 45-54 9.9% 55+ 4.2% Marital Status Single 27.4% Married 70.1% Divorced 2.4% Widowed 0.1% Race Asian 4.5% Black 3.9% Caucasian 82.1% Hispanic 4.5% Native American 0.1% Pacific Islander 0.7% Other 4.2% Education Less than high school graduate 0.4% Graduated high school / GED 1.7% Trade / Technical school - no degree 1.5% Attended college but did not graduate 5.4% Two year college degree 5.3% Four-year college degree 50.1% Masters degree 26.6% Doctoral degree 9% Income 25k-49k 7.6% 50k-74k 14.7% 75k-99k 16.5% 100k-199k 40.8% 200k+ 17.6%

On episode 425 of the podcast I interviewed Mr. Money Mustache. That episode was not intended to be an introduction to his teaching or his philosophy; rather, it was a human interest discussion with the man himself. Today, I introduce you to the philosophy and teaching: the message. What is mustachianism? What is the plan for financial independence espoused by Mr. Money Mustache? Enjoy! Joshua Start your search for a great financial advisor here: www.radicalpersonalfinance.com/patron Please support the show directly as a Patron: www.radicalpersonalfinance.com/patron

Hey Radicals! We're quickly coming up on Episode 500 of the show. To celebrate, I'd like to do a special show, exclusively featuring your stories. 1. Will you please record a quick 2- or 3-minute audio message telling us about the changes you've made in your life and how you've made financial progress in your life? I think hearing your story will be so encouraging to all of us. Also, 2. Will you please send me a picture of you and/or your family for me to post on my screensaver? I'd like to create a picture gallery of who my listeners are so that I can picture you and record better information for you! Email those two things to: [email protected] Thank you! Joshua

I'm traveling today and unable to record. Enjoy my recent interview on the Richer Soul podcast! http://richersoul.com/2017/03/07/ep-0010-richer-soul-joshua-sheats-radical-personal-finance/ Joshua

I learned about business and money during my six years working as a financial advisor than at any other time period in my life. Today I'm kicking off a series sharing some of the lessons that have most deeply impacted me. I'll share both the lessons I learned from business as well as the lessons that I learned from working with hundreds and hundreds of clients. Lesson Number 1 is simple: Don't wait for business to come to you; go find it! Joshua Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

It's Friday. Pay attention. That means the weekend is here. Have you planned and scripted it out for maximum results? Do it. Love you, Talk next week... Joshua

My guest today is a lady named Ruby. We met at Camp Mustache SE 2017 a couple of months back and I got to hear her immigrant story! She and her husband are both recent immigrants to the United States and they are aggressively pursing financial independence. Enjoy her story! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

I've been thinking about computer and data security this weekend and I decided to run with that theme for today's show. I've compiled a simple list of 18 tips for you to enhance your financial security and financial privacy. These range from the simple (#1 is for you to cover your PIN code with your hand) to the contentious (#10 is my advice as to whether you get greater security from using a credit card or a debit card). But, they're all useful and free (or at least nearly free). Enjoy! Joshua Looking for a new financial advisor? Start your search here: www.radicalpersonalfinance.com/patron This is the Access Denied RFID blocking wallet that I have. http://amzn.to/2mZcZCJ Here's a ladies version of the Access Denied wallet. http://amzn.to/2md0a7K RFID blocking sleeves for your credit cards: http://amzn.to/2lPCcOm This is the MobileSec Cell Phone Blocker bag I mentioned: http://www.mobilesecsolutions.com/cell-phone-blocker I own this Amazon Basics paper shredder. It works really well http://amzn.to/2mPwiBy

My guest today is Gwen, writer at www.FieryMillenials.com She is a hardcore saver who is working her tail off to reach financial independence and to teach others through her story. This is an ideal follow-up to yesterday's advice to my 22-year-old listener. Enjoy! Joshua Please Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today I answer this listener question: Hi Joshua, I am a 22 year old recent college graduate. I have since landed a job and have been working for about 4 months now. Prior to graduating college, I was much less educated on money matters and hardly mindful about my personal finances. Upon graduating, I realized that I knew next to nothing about budgeting, saving, investing, and growing wealth. Additionally, many technical terms and aspects of finance confused me. Since I was going to be getting a "real job" soon and making more money than I ever have before, I decided to self-educate and rid myself of financial ignorance. I began reading books, blogs, watching YouTube videos, and listening to podcasts. I now find myself in a much better position to make sound monetary decisions. Here is my current situation: I live at home with my parents rent free. I am extremely fortunate to have no debt from college. I have no debt. I work a full time job and save virtually all of that money. I work a part time job and use that money as my "spending money." Essentially, I am blessed to have a blank slate coming out of college. The downside of my equation is that my full time job does not pay particularly well ~$31,000 a year and I live in an area with a high cost of living (northern VA). Do you have any advice for someone like me who is just getting started in the real world and wants to begin a path to financial independence? I do realize that a huge step would be to find a better paying job – I am working on that. However what would you suggest that I do in the meantime to add additional income and begin my journey to FI? My goal is not to make this all about making more money, but rather to position myself in such a way that I can live life the way that I want. ALSO I want to be in a position where I can easily provide advice and assistance to those who are less well off than I am. Thank you in advance for any advice that you can provide! Enjoy! Joshua Please support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

Today, I answer this question from a listener: Joshua- Fan of the show and a Naval Officer. I have some questions on overall investing strategy. I have close to 17 years in the Navy and will likely retire at 20 with a full pension (about $55k/year before taxes), currently have $440k in retirement savings for my wife and I split between Roths and TSP, have over $140k in college savings for my 2 kids (8 and 10 year old, plan on also transferring my GI Bill which will essentially pay for one of their college educations), and have about $30k in taxable accounts. We are selling our house in Norfolk, VA this year-- been a rental for 5 years but we are moving from Tampa to Jacksonville where I will take Command of a Destroyer there. So- my question-- I am looking at getting into real estate investing and slowing down retirement savings over the next 5 years (from about $25k/yr to $12k-- maxing out Roths and minimum to TSP). Curious to hear your take on my overall situation and real estate investing writ large. Ideally we'd put about $40-50k into things this year-- either buy and hold type rental properties or a flip- and then snowball any earnings plus about $30k annually over the next 4 years until I retire to setup passive income sources. Thanks! Please support RPF on Patreon! www.radicalpersonalfinance.com/patron

Listener Allyn writes in with this question: "What are your thoughts on using whole life insurance as a college savings plan? If you don't like it, why?" My thoughts are in the show! Joshua Thank you for supporting the show on Patreon! www.radicalpersonalfinance.com/patron

Do you feel richer today than you did yesterday? If not, why not? Joshua Daily by Seth Godin How to Get Richer Every Day by Mark Morgan Ford

Different people learn in different ways. For that reason, we need many new approaches to helping people learn about financial independence. I'm glad to bring my new friends Jonathan and Brad on the show to talk about their project ChooseFI.com. Operating under the banner "Experiments in Financial Independence," they're seeking to create a new approach to learning and teaching about financial independence. Enjoy the interview! Joshua www.ChooseFI.Com www.TravelMiles101.com Find a great financial advisor! www.radicalpersonalfinance.com/paladin Use the same budget software I use! www.radicalpersonalfinance.com/YNAB Support RPF on Patreon: www.radicalpersonalfinance.com/patron

It's Friday! That means a live Q&A show. Today we tackle: Should I Get Rid of my 3rd Car? What is a Modified Endowment Contract and How Does it Work? What Should We Do With All This Extra Money our Church Just Received? If you'd like to join a show like this and ask your question, sign up to become a Patron! www.radicalpersonalfinance.com/patron Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Connect with us on the Facebook page https://www.facebook.com/RadicalPersonalFinance or in the Facebook Community Group! https://www.facebook.com/groups/RadicalPersonalFinance/

Today, I bring you an interview with the #1 most requested guest! Mr. Money Mustache himself. I connected with him while up in Gainesville for Camp Mustache a couple of weeks ago. This interview isn't about the nuts and bolts of Mustachian philosophy or on how to become financially independent in a few short years; those topics have been well covered elsewhere. This interview is about his current life, current projects, and things he's excited about at the moment. Enjoy! Joshua Try Hello Fresh! Get $35 off your first order at www.HelloFresh.com with promo code RPF. Support RPF on Patreon! www.radicalpersonalfinance.com/patron

Every day I mention that little slogan, "financial freedom in 10 years or less" in my intro. It's an aggressive, spicy little slogan. But I probably don't do a good enough job of highlighting what that phrase actually means and how many different ways it can be achieved. Today I have a really fun profile of someone who has successfully achieved financial freedom in less than 10 years by capitalizing on AirBnB. And doing it with properties that she didn't even own! Enjoy hearing Zeona McIntyre's story of financial freedom! Joshua Zeona's website: https://www.zeonamcintyre.com/ Start your search for a financial advisor here: www.radicalpersonalfinance.com/paladin Try a free 34-day trial of the YNAB budgeting software! www.radicalpersonalfinance.com/YNAB Support me directly on Patreon! www.radicalpersonalfinance.com/patron

Perhaps you've noticed that the topic of refugees has been in the news. The recent news sparked this question in the Radical Personal Finance Facebook group. If I were unexpectedly detained/deported while I was traveling, with the uncertainty of my job or my possessions (or even my bank accounts) being accessible to me or even available to me if I were to somehow return, what would I do, and how would I manage? How might I create a plan to restart my life from scratch if I had to begin again in a different country? I think it's a fantastic question! Today I answer this question in 3 parts: What can you do to prepare for detainment by foreign border guards? What should you do if you're caught up in the mess created by the detainment of other people? What can you do to set yourself up to start a new life in another country if you have to flee in the middle of the night? Enjoy! Joshua Support Radical Personal Finance as a Patron! www.radicalpersonalfinance.com/patron Ideas from the survivalist world on what you can carry with you in an airport carry-on. Witness.org has some great resources on filming protest and human rights violations.

I'm traveling today (appropriately enough), so I'm not able to serve you with a Q&A show today. Instead, enjoy this recording of my appearance on the Nomad Together Podcast! This show originally appeared on September 8, 2016 right here: https://nomadtogether.com/financial/ Joshua

I have a special treat for you today. If you had the chance to sit down with the former President and CEO of Lehman Brothers and talk about his career and money, would you take that chance? Well, I did. And today I share it with you! I sat down with my friend Andy Sage here at his home in Palm Beach with the microphones fired up for a discussion about his career in the business world, retirement, banking, and much more. Enjoy! Joshua Find a great financial advisor with Paladin: www.radicalpersonalfinance.com/paladin Get a free 34-day trial of the awesome YNAB budgeting software: www.radicalpersonalfinance.com/YNAB Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

I love to learn from people who have experienced great success in their lives. But sometimes, you can learn more from failure than success! Today, I've invited a new friend of mine on the show to learn what she learned from her massive failures in the past! She and her husband were on the fast track toward wealth and financial freedom; they owned a ton of real estate and a thriving business. And then they lost it all. Listen to the episode for the gripping account of what that was really like! Joshua Support RPF on Patreon! www.RadicalPersonalFinance.com/patron Build Your Budget Right with YNAB! www.radicalpersonalfinance.com/YNAB Use Personal Capital as your financial dashboard! www.radicalpersonalfinance.com/PersonalCapital

My guests today are Joel and Alexis. I met them while hanging out at Camp Mustache SE in Gainesville and was intrigued by their story! They went from being a fairly typical young couple with a small savings rate to being radical Mustachians, on track to retire in the next few years! Enjoy learning how they worked through the problems and challenges to make this change! Joshua Find a great financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans with SoFi and save on the interest! www.radicalpersonalfinance.com/sofi Please support me on Patreon! www.radicalpersonalfinance.com/patron PLEASE TAKE MY QUICK SURVEY! www.radicalpersonalfinance.com/SURVEY Joel and Alexis's brand new website! http://fi180.com/

Car leasing is the most expensive way to operate a vehicle. Car leasing is the cheapest way to operate a new vehicle. Both of those statements are true. In today's show I explain why! And I explain how to get out of a lease if you have one. Joshua Time stamps (courtesy of a listener): 0:00 Intro 1:50 Sponsors 4:55 Auto leasing is the cheapest AND most expensive 7:42 "Depreciation" explained 13:38 How does leasing a car work? 16:58 The major problem with leasing, and who leasing is great for 24:26 How to get out of a lease Book a consulting call with me: www.radicalpersonalfinance.com/phonecall Support me on Patreon: www.radicalpersonalfinance.com/patron https://www.edmunds.com/car-buying/how-fast-does-my-new-car-lose-value-infographic.html http://www.clark.com/new-car-leasing-101 http://www.swapalease.com/ http://www.leasetrader.com/

Quick on-the-road show today to share listeners' suggestions, additional information, feedback, and questions. Joshua Timestamps: (thanks to the hard work of a listener!) 0:00 Intro 6:00 Joe recommends a "relationships" budget category, separate from "giving". (Episode 408) 12:08 Rio asks how to separate personal and business budgets. (Episode 408) 14:36 Guy asks about budgeting for taxes. Should one start the budget using gross or net income? (Episode 408) 18:13 Artem comments about donating a body to science as being different from organ donation. (Episode 409) 20:03 Ross comments that funerals should also be considered a means of closure for the living. (Episode 409) 21:34 Hannah offers insight into the credit score that CreditKarma.com utilizes in its calculations. (Episode 411) 24:35 Guy asks if freezing you credit negates the need for ID protection/insurance services. (Episode 411) 26:38 Kevin offers up a tip of the day. (Episode 411) 27:13 James has concerns about the Personal Capital sponsorship. (Episode 413) 44:24 Advice to podcasters regarding ads, specifically CPA (cost-per-aquisition) vs. CPM (cost-per-thousand).

On Fridays I host a live Q&A show! This show is open for Patrons to call in and talk with me about anything they want to. If you'd like to participate in this call, become a Patron! www.radicalpersonalfinance.com/patron Today we tackle two questions: Should I Follow Dave Ramsey's Baby Steps and Pay off My House Early? I Had an Unexpected Child...Should I Finish Graduate School or Drop Out to Be a Mom? Enjoy! Joshua Start your year off right with a budget with YNAB: www.radicalpersonalfinance.com/YNAB Monitor all your investment accounts for free with Personal Capital! www.radicalpersonalfinance.com/PersonalCapital

My guest today is a man named Bill. We met at Camp Mustache SE this past weekend. As soon as I heard a little bit of Bill's story, I knew I needed to get him on the show for you! Bill is a really neat guy. He enjoyed a very fun and adventurous career wherein he primarily worked for himself. And then he retired early. He's a man filled with wisdom. You'll really enjoy this interview. Joshua Support Radical Personal Finance on Patreon: www.radicalpersonalfinance.com/patron Find a new financial advisor here: www.radicalpersonalfinance.com/paladin Refinance your loans at SoFi! www.radicalpersonalfinance.com/sofi

Today I have a simple--but profoundly important--concept for you to consider and embrace: your personal safety. There are small safety decisions that you can make that have a huge potential impact for you, both monetary impact and personal impact. Enjoy! Joshua Radical Personal Finance is supported directly by you! www.radicalpersonalfinance.com/patron Try a free 34-day trial of the awesome YNAB budgeting software: www.radicalpersonalfinance.com/YNAB Please take my quick demographic survey! www.radicalpersonalfinance.com/survey

I always keep my eyes out for interesting and unusual lifestyle stories. Last week when I was researching cheap coffin plans, I came across the $5 DIY coffin plans at PiedmontPineCoffins.com. Upon further reading I became aware that Don and his family live entirely off-grid and that he creates his coffins entirely by hand! Sounded like a fun story so I invited him on! Enjoy, Joshua Find an awesome financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans (or get a new one) at www.radicalpersonalfinance.com/SoFi Sign up to support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

This past weekend I had the privilege of addressing the very fun crowd of hardcore Mustachians gathered in Gainesville, FL for Camp Mustache SE 2017. (Mustachian = acolyte of the Mr. Money Mustache blog and personal lifestyle and financial philosophy.) I was invited to give a presentation and I chose for my topic, "Why Wait Until You're F.I. to Live Like You're F.I.?" This addresses a theme I often see among the hardcore early retirement crowd. The idea is this: "My life stinks right now but it'll all be great after F.I." But, is that the best way to approach it? Why not recognize that life can be great now and after F.I.? Enjoy! Joshua Please take my 20-second demographic survey! www.radicalpersonalfinance.com/survey Refinance your loans with SoFi and save money! www.radicalpersonalfinance.com/sofi Personal Capital is the world's best financial dashboard. And it's free! www.radicalpersonalfinance.com/personalcapital Support RPF on Patreon! www.radicalpersonalfinance.com/patreon

On Fridays we do a live Q&A show! If you'd like to join me on the next one, sign up to support the show as a patron! www.radicalpersonalfinance.com/patron Today we cover: How Can I Gain Enough Experience to Use my CFP Designation? Can I Unwind My Parents Reverse Mortgage? How Do I Engage In A Meaningful Goal-Setting Process After a Layoff? Enjoy! Joshua Take my 20-second demographic survey at www.radicalpersonalfinance.com/survey Find a great financial advisor at www.radicalpersonalfinance.com/paladin Refinance your loans at an awesome great rate at www.radicalpersonalfinance.com/sofi

The health of your credit score is an important subject. It's important that you keep your credit report squeaky clean and your credit score high. Today, I'm going to give you some simple, free tools to do so. How to check your credit reports for free How (and why) to freeze your credit reports How to monitor your credit scores for free Joshua Please take my 20-second demographic survey! www.radicalpersonalfinance.com/survey Find an awesome financial advisor near you! www.radicalpersonalfinance.com/paladin Get a free, 34-day trial of the YNAB budgeting software I use. www.radicalpersonalfinance.com/YNAB Check your credit reports once each year, for free: www.annualcreditreport.com Clark Howard's credit freeze guide: http://www.clark.com/credit-freeze-and-thaw-guide Monitor your credit score for free: www.creditkarma.com

The Dow Jones Industrial Average has been steadily flirting with an all-time record of 20,000 points. I certainly expect it to cross that threshold any day. But, so what? Today I tackle these three questions: What does a 20,000 point DJIA mean? What does it mean to you? What should you do about it? Enjoy! Joshua Please take my super-quick demographic survey. You can do it right on your phone! www.radicalpersonalfinance.com/survey Set up your Personal Capital dashboard for FREE! www.radicalpersonalfinance.com/personalcapital Find a great financial advisor at Paladin Registry! www.radicalpersonalfinance.com/paladin

Ain't it strange how so many of the universal human experiences cost so much? Childbirth. Marriage. Getting Old. Death. All of them can cost a bunch of money. But does it have to be that way? Are there alternatives? Yes. Guess what: kicking the bucket doesn't necessarily have to break the bank! There are ways to do it cheaper. If you want to. Today I tackle funeral expenses. You might not be able to benefit from the savings, but at least your family can have a little more cash left over to celebrate your life! Enjoy, Joshua $5 buys you a set of plans to build a coffin for http://piedmontpinecoffins.com/diy-coffin-plans/ Or, you can buy a simple wood coffin for $431, delivered. http://kentcasket.com/ You can do a home funeral and even home burial in almost all the states. Here are the problem states: http://homefuneralalliance.org/the-law/problem-states/ Start 2017 off right by finding a great new financial advisor! www.radicalpersonalfinance.com/paladin Set up all your accounts in Personal Capital for free! www.radicalpersonalfinance.com/personalcapital

What's the point of budgeting? Isn't it supposedly supposed to help you get richer? Well, one way to make budgeting matter is if your budget categories actually help you to understand what's happening with your money. Today, I walk you through some of my personal budget categories and explain how they impact my spending decisions. I don't think you'll find these budget categories in any pre-existing software. But I do think they'll be really useful to you! Joshua 246-You Need a Budget and Here's the Best Way for You to Make One! Interview with Jesse Mecham, Founder of YNAB 273-Three Budgets You Should Establish for 2016: Time, Money, and Food Try YNAB free for 34 Days! www.RadicalPersonalFinance.com/YNAB Use Libsyn to host your very own podcast! www.libsyn.com Get first month free with coupon code "radical." Support RPF on Patreon! www.radicalpersonalfinance.com/patron

I think RVs are awesome. In fact, my family just got back from a very fun 2-week RV trip last week! But, RVs can also be a major money drain. Much like boats, it's easy to overestimate the pleasure you will get from it and underestimate the hassle. In today's show, I share with you some of my ideas and thoughts on RVs: Where they work and where they don't Things to consider and keep in mind before you buy Advantages and disadvantages of the various types Tips for buying smart Enjoy the show! Joshua Start your budget for 2017 today! www.radicalpersonalfinance.com/YNAB Follow through on your financial resolutions by finding a great financial advisor: www.radicalpersonalfinance.com/paladin Book a consulting call with me: www.radicalpersonalfinance.com/phonecall Support RPF on Patreon www.radicalpersonalfinance.com/patron

Hey Radicals! Happy new year! I was planning to come into 2017 with a bang, but a stomach bug turned the bang into a fizzle for me. Oh well! You'll be hearing some changes to RPF in coming days. I want you to know about those in advance, so tune in for a quick chat today! Joshua

I missed a couple of important points on the previous show on Health Care Sharing Ministries (HCSMs). Today we wrap those points up with a quick discussion of: catastrophic protection deductibility HSA compliance pre-existing conditions We also discuss: Self-Insurance Direct Primary Care/Concierge Care Catastrophic Coverage Dread Disease/Critical Illness Insurance Doctors on Call Enjoy! Joshua Start your new year off right by mastering your budgeting. www.radicalpersonalfinance.com/YNAB Support RPF on Patreon! www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

Today I tell you why we don't have health insurance in my family and what we do instead! We continue our health insurance series today with a discussion of Christian Health Care Sharing Ministries. Perhaps the Health Care Sharing Ministries shouldn't be in this series because they are not actually health insurance. But, if you're a participant in an approved organization, you qualify for an exemption to the Obamacare tax penalty (for not having health insurance). Personally, I love the concept of these organizations and I have nothing but good things to say about my experience with Samaritan Ministries (which is the one that my family participates in). In today's show I give you a background of these companies and my own experience and opinion of them. There are 5 major options for you: 1. Samaritan Ministries http://samaritanministries.org/ 2. Christian Healthcare Ministries http://www.chministries.org/ 3. Medishare – Christian Care Ministry https://mychristiancare.org/medi-share/ 4. Liberty Health Share http://www.libertyhealthshare.org/ 5. Altrua Health Share http://altruahealthshare.org/ Enjoy the show! Joshua p.s., if you join Samaritan Ministries, please remember to tell them that "Joshua Sheats" sent you so that I can get a small discount! Start your search for a financial advisor here: www.radicalpersonalfinance.com/paladin Listen to the Jack Waymire interview here: www.radicalpersonalfinance.com/284 Join our RPF Facebook community! https://www.facebook.com/groups/RadicalPersonalFinance/ Please leave an iTunes review for me! https://itunes.apple.com/podcast/radical-personal-finance/id896153632?mt=2&ls=1 Please support me financially on Patreon. www.radicalpersonalfinance.com/patron Book a consulting call with me here: www.radicalpersonalfinance.com/phonecall

One of the major burdens that the passage of the Affordable Care Act placed upon us is that we are required by law to maintain health insurance coverage. Or, if we don't, we have to pay a tax penalty. But, as with most taxes, the Obamacare tax penalty is, in some ways, optional. In today's show I teach you all of the ways that I know to escape it! We cover: How to calculate the tax penalty What happens if you don't pay the penalty All of the exemptions that you can qualify for Enjoy! Joshua Book a consulting call with me here: www.radicalpersonalfinance.com/phonecall Support RPF on Patreon! www.radicalpersonalfinance.com/patron Please leave a review for my show on iTunes! https://itunes.apple.com/podcast/radical-personal-finance/id896153632?mt=2&ls=1

If you're building a business, you may reach a point in time at which you need more money to expand your operation than you're currently receiving from your revenues. Traditionally, this is where you would either go out and solicit more investors to back you or perhaps go and borrow money from a bank. But, thanks to major changes in the law, there's another option now available to you: equity crowdfunding. Equity Crowdfunding is a way for companies to solicit investments from individuals similar to how product crowdfunding sites like Kickstarter, et al, solicit sales from individuals. There are tremendous possibilities here for you as a business owner. But, don't skip this show if you simply don't own a business. You may be interested in this topic from the perspective of a business owner! You can participate as an investor with these companies yourself! Enjoy the show, Joshua Get Nathan's Book on Amazon: "Equity Crowdfunding: The Complete Guide for Startups and Growing Companies" Or get a free sample chapter from his website: http://assembleadvisory.com/book/ Please support me on Patreon! www.radicalpersonalfinance.com/patron

So, you set a goal for your income next year. Great! Good job! That's a nice place to start. But it does nothing for you if you don't translate it into an hourly income goal. Listen to the show to find out why and how. Joshua Join the RPF Facebook group! (It's free now!) https://www.facebook.com/groups/RadicalPersonalFinance/ If you'd like to calculate your hourly wage, try this quick little calculator I made: https://docs.google.com/spreadsheets/d/1de4hvloZAoAXJCOsE9DZuRAAeNdO2skAIIxhR6lxGYU/edit?usp=sharing Please support me on Patreon! www.radicalpersonalfinance.com/patron

I learned the hard way not to wait until the end of December to think about how my past year went and how I wanted my next year to go. Don't wait. The first two weeks of December are your golden time for your year-end review process. Details in the show! Joshua Last-minute tax planning ideas for you: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/ Take Michael Hyatt's awesome Life Score Assessment to help give you clarity on your success in 10 areas of your life: http://bestyearever.me/a18455/2017assessment

Happy Thanksgiving Day, Radicals! Joshua

One of the thorny research projects which I'm personally undertaking is to study the most effective ways to invest my money and my life into my local community without passing through the financial services intermediaries. Friends, it ain't easy. Our entire world is wired to go through the mainstream banking/investment/etc. industry. And it's not easy to break free. But, I'm convinced that it is possible. So, I'm working on it. And today, I've invited a new friend of mine on the show to explain how he does it. Tim Yarbrough is an entrepreneur and investor from Alabama who has been in business for over 40 years. He has personally invested in dozens of companies there in his community. Today, he shares his wisdom from 40 years of experience with you and with me. Enjoy! Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

Today we continue our health insurance series with a discussion of the Premium Tax Credit. The Premium Tax Credit is available for those whose income is between 100% and 400% of the Federal Poverty Level who purchase their health insurance through a government-run marketplace. The dollar amounts involved can be substantial if you're in that range. Pay attention, Joshua IRS Publication 974: Premium Tax Credit Michael Kitces article on the Premium Tax Credit Support RPF on Patreon: www.RadicalPersonalFinance.com/patron Book a consulting phone call with me: www.RadicalPersonalFinance.com/phonecall