Radical Personal Finance

Today I've invited real estate investor Joe Fairless on the show. And yes, we chat about real estate. But, I don't have him on to speak about real estate exclusively. Rather, I want you to pay careful attention to how he got into real estate in the first step. Pay attention to the arc of his overall career. And then model him. Joshua Joe's website: www.joefairless.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

Today, I share my thoughts on the Trump/Clinton election and connect it with a discussion of why I'm philosophically and morally opposed to Obamacare. (Hint: it's not because I hate sick people.) Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me! www.radicalpersonalfinance.com/phonecall

In case you haven't heard, this Presidential election is the most important one in your lifetime. And, it will retain that title until November 9 when the 2020 election will take over as reigning champ. Not only is this the most important election of your lifetime, but if the wrong person is elected, we literally face the end of the world as we know it! So, what are you to do? Well, today's show contains my thoughts and advice around presidential politics as well as 10 things you can do that will actually make a difference after you've cast your vote for President of the United States. Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Today we embark on our journey through the wild and woolly world of health insurance. This topic is utterly frustrating to navigate and incredibly divisive in philosophy. Obviously, it's a perfect topic for Radical Personal Finance! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

If you look at all of your expenditures and methodically add up all of the money you've spent in the last year on taxes (of all types), you will likely find that taxes are one of your largest spending categories. So, in our constant quest to lower expenses, what can we do about that problem? Well, you can engage in good, proactive tax planning and tax avoidance. And, we've talked about that extensively here at #RadicalPersonalFinance. But, have you ever thought about getting involved at the root of the problem? In working to roll back the taxes levied upon you at the seat of government? Most of us haven't. And the reason we haven't is that we are trained to automatically revert to fighting about national politics. I'm convinced that national politics is utterly hopeless--at least for now. You have no voice, no power, and your involvement and even your vote are essentially meaningless. But, take courage. That doesn't mean that all is lost. You can make a huge difference if you get involved in local politics. Your voice and your work and your vote can make a huge difference at the local level. My guest today is Paul Dorr. He is a former bank owner but he's now a political consultant. He specializes in helping ordinary people organize themselves politically in order to defeat local tax increases. And he's very good at his job! He's here today to share with us some of his tips and techniques as well as his personal story. I think you'll find today's show inspiring and helpful if you care about the cause of liberty. And it might even help you lower your tax bill. Enjoy! Joshua Paul's website: www.RollBackLocalGov.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

My guest today is Craig Cody, CPA, co-author of the book "Secrets of a Tax-Free Life: Surprising Write-Off Strategies Most Business Owners Miss." We discuss: Paying your paying your kids in your business Renting your house out to your business Cost-segregation studies And more! Enjoy! Joshua Craig is offering a free copy of "Secrets of a Tax Free Life" to all listeners here: www.craigcodyandcompany.com/rpf Craig's company phone number is 516-869-4051 Support RPF on Patreon: www.radicalpersonalfinance.com/patron Schedule a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

Have you ever thought about engineering your layoff from your job as a means to advancement to your next opportunity? After all, if you get laid off instead of quitting, there are a whole host of benefits to you. (severance, health insurance, etc.) But, how do you do it? And, is there a way to do it ethically? My guest today has written the book on the subject. His name is Sam and he is the writer behind the popular personal finance blog www.FinancialSamurai.com and his book is entitled "How to Engineer Your Layoff: Negotiate a Severance and Be Free!" Enjoy the show. Joshua Buy Sam's book "How to Engineer Your Layoff: Negotiate a Severance and Be Free!" here: www.radicalpersonalfinance.com/layoff Sam's website: www.RadicalPersonalFinance.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

There are two phrases that we commonly use that are very destructive to your personal empowerment. I recommend that you identify them and remove them from your vocabulary. Try it! You'll thank me later. Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a phone call with me: www.radicalpersonalfinance.com/phonecall

The title says it all. Joshua p.s., Sorry about the double show on the last episode. I am presently without a working computer, but I'll fix it ASAP.

From time to time we get buying opportunities that emerge from a wrinkle in the marketplace. I think I see an opportunity right now for those of you who are in the market for a new car with the 2017 Chevy Volt. Details in the show! Joshua

I shudder and cringe when I hear someone who's thinking about upgrading their car because the new one gets better gas mileage. I don't often yell, but please indulge me for a moment. YOU SHOULD NOT UPGRADE YOUR CAR IN ORDER TO GET BETTER GAS MILEAGE! And, I'll prove it to you. Listen to this show. And then, download the free calculator I built years ago and plug in your own numbers to see whether you should upgrade or not. I think you'll be glad you did. Joshua Here's the link to my calculator. It's a simple Excel file I built many years ago: http://traffic.libsyn.com/radicalpersonalfinance/Joshuas_Fuel_Mileage_Savings_Calculator.xls Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

This is an audio file containing Steven Harris's free Family Emergency Preparedness Class. This class contains very useful and practical information regarding emergency preparedness. Some of the material is becoming dated. For all of Steven's current work, visit his website www.Steven1234.com and follow the appropriate links. Joshua

This is an audio-only version of Wendy DeWitt's "Sensible Food Storage" seminar. This is the most practical, complete seminar on home food storage I've ever been able to find. You can view the original video version of this file here: https://youtu.be/GY5kiCzaeYc You can also download the PDF handouts of this seminar here with these links. This handout contains the instructions for how to do Wendy's system: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Under_the_Sun_by_Wendy_DeWitt.pdf This handout contains Wendy's sample meals with recipes and amounts calculated out for you: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Made_Simple_by_Wendy_DeWitt.pdf

If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at the end? Today, we tackle the question of food insurance with a discussion of practical steps to take to build your own reserves. I think it's very wise for you to make sure that you always have enough food in your house to feed your family for at least a few weeks, even better a few months, and perhaps even a year or more. Since you can fit a year's supply of food under a twin bed, there's little reason not to plan ahead and store up some food. But, it's tough to know how to do this. I've divided this topic into two parts. The first show (#384) had a bit of the philosophy behind food storage and reasons for you to store up food. Today's show (#385) has the practical advice for how to actually do it. Enjoy! Joshua Wendy DeWitt's Sensible Food Storage Seminar: Video: https://youtu.be/GY5kiCzaeYc Audio: http://traffic.libsyn.com/radicalpersonalfinance/Sensible_Food_Storage_Seminar_by_Wendy_DeWitt.mp3 PDFs of Wendy's handouts: These are the notes from Wendy's seminar: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Under_the_Sun_by_Wendy_DeWitt.pdf These are Wendy's personal recipes for her own food storage: http://traffic.libsyn.com/radicalpersonalfinance/Everything_Made_Simple_by_Wendy_DeWitt.pdf Support me on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

If you were unable to buy food for your family for the next couple of weeks, would you and your family be well-fed or would you be quite hungry at the end? Today, we tackle the question of food insurance. In short, I think it's very wise for you to make sure that you always have enough food in your house to feed your family for at least a few weeks, even better a few months, and perhaps even a year or more. Since you can fit a year's supply of food under a twin bed, there's little reason not to plan ahead and store up some food. I've divided this topic into two parts. This show (#384) has a bit of the philosophy behind food storage and reasons for you to store up food. The next show (#385) has the practical advice for how to actually do it. Enjoy! Joshua Support me on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

When I make a significant purchase, I always try to pay attention to the process of that purchase. I analyze my psychology and desire for the item, I consider carefully the decision process, and I consider the usefulness I get from the item and how much I enjoy and utilize it. One major lesson I've learned is to always make sure to budget for the accessories to enhance the usefulness of an item. Many times, the accessories you purchase for an item will make a dramatic difference in your ability to enjoy and use the item. Detailed discussion of this concept in today's show! Joshua Support me on Patreon! www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

I recently read an article from the New York Times called, "It's Official: The Boomerang Kids Won't Leave." The story is a familiar one: adult children fall on hard times after college and need to move home in order to make ends meet. This is an experience that many parents have had. The challenge is this: how do you get the kids to leave? What can and should you be doing in order to get them to a place of autonomy? In today's show we tackle this subject. We also cover some ideas for younger parents to implement in order to help your children avoid the boomerang effect in the first place. Joshua Support RPF on Patreon. www.radicalpersonalfinance.com/patron Would you like to book a consulting call with me? Book here: www.radicalpersonalfinance.com/phonecall

As I release today's show, Hurricane Matthew is threatening the east coast of Florida and the Carolinas. (Today's show is not specific to Hurricane Matthew. The content is useful in any natural disaster or hurricane. But I wanted to get this information to you in a timely manner so that those of you in the warning cone have an opportunity to prepare.) Today's show is very practical. I cover: The most important need to address in advance of the storm: the ability to keep your phone and communications working without electricity. How to think about and plan for an evacuation plan. Simple and cheap ways to handle water and food when you have no power. How to use your car as a generator. And more! Enjoy the show! Joshua RESOURCES: You need to keep your phone functional and charged at all times. The easiest, simplest way to do this is by using an external backup battery. There are varying sizes available: I own the Kmashi 15000mAH External Battery Power Bank. It's the cheapest I've found ($14 on Amazon for the black version) and should give you 5+ charges for your phone. It has a 4-star rating on Amazon with about 7,700 reviews. I've had no problem with it. http://rpf.link/2dO4v0Y I also own the RAVPower 13000 mAH External Battery Power Pack. It works perfectly fine and is smaller and lighter than the Kmashi above. (This is the one that I prefer to carry in my pocket while traveling. The Kmashi above is too big to be comfortable in my pocket.) It should get you about 4 charges. But, at $27 on Amazon, it doesn't give you as much bang for the buck. http://rpf.link/2dP9SJF Steven Harris has more information on keeping your cell phone charged at his excellent site: www.cellphone1234.com I chose to buy different batteries than he recommended because they were cheaper (but still highly rated) when I was shopping. The Berkey water filter system that we own and use is this one: http://www.directive21.com/products/royal-berkey-system/ (This is where we bought it from--Directive 21 did a fine job with service.) There are other sizes available. For information on how to power your house from your car, listen to Steven Harris's free class here at http://www.solar1234.com/ The Eneloop rechargeable batteries that I use in all of my flashlights, kids toys, etc. are these on Amazon: http://rpf.link/2dbuiLA I use this 8-cell Powerex charger to keep them all topped up. http://rpf.link/2dXXdHc The car battery charger that I recommended is from CTEK. http://www.ctek.com/ For more great, simple, practical emergency preparedness tips, check out all of Steven Harris's websites here: http://www.steven1234.com/

Are you an employee? Want to make more money? Want to have a tremendous career? Listen to this show. Joshua Patronize me: www.radicalpersonalfinance.com/patron Talk to me: www.radicalpersonalfinance.com/phonecall

On today's show I cover four of the major perils of success. Both failure and success have danger points. You might think a lot about the dangers of failure. But are you aware of the perils of success? Have you thought about what might happen to you as you continue to achieve success? In today's show, I share with you four dangers of success...and I've fallen prey to all four of them. Then, after that discussion, I share with you how--and why--I'm removing some of the filters that I've kept on the content of RPF. Not a lot is changing with regard to what I actually produce on RPF. But my own mental decisions are changing and I am intentionally giving myself more freedom to tackle difficult subjects. Details in the show! Joshua As mentioned in the show. Please: Write me an email with "product question" in the subject line and ask me any question that you have. Or, just tell me the subject/topic/question you'd like me to do more content on. Will you please review the show on whatever podcasting platform you use? iTunes, Stitcher, App Store--all are fine. One or two sentences is perfect and you can do it right on your phone. Please support the show on Patreon. This is the best way to maintain a free and independent voice. www.radicalpersonalfinance.com/patron Do you have a specific question you'd like my advice on? Book a consulting call here: www.radicalpersonalfinance.com/phonecall

My guest today is Jason Vitug. Jason has a very interesting story of beginning at the bottom of the work-world, advancing quickly to company leadership, and then walking away to pursue travel and personal business projects that seem to integrate more with his life vision. Oh, and he wrote a book and just finished a 54-city speaking tour. Enjoy the interview! Joshua Jason's book: "You Only Live Once: the Roadmap to Financial Wellness and a Purposeful Life" http://rpf.link/2d7tsSN Jason's websites: www.JasonVitug.com and www.Phroogal.com and www.RoadToFinancialWellness.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

I recently appeared on Paula Pant's Afford Anything podcast for an in-depth discussion of the stages of financial independence. The interview was one of the favorite interviews I've done in a while and I think you'll really enjoy it. Enjoy! Joshua The original post: http://podcast.affordanything.com/stages-financial-independence-joshua-sheats/

Hey Radicals! I'm heading to California today for #FinCon16. I'd love to connect with as many of you as possible while I'm there! I'll be available on Thursday, Friday, and Saturday (9/22 to 9/24). Reach out to me on Twitter and let's schedule a time to connect! https://twitter.com/JoshuaSheats Joshua

We know that it's worthwhile to increase income in order to reach our financial goals more quickly. But how can we do that? One proven way is to get advanced education by attending graduate school. My guest today is Matt Miner. He followed the time-worn path of attending graduate business school as a way of significantly increasing his earnings and he's learned from that experience. He's also studied the issue extensively, so he brings both personal experience and study to this question. In this show we discuss: Matt's personal path to improved finances His advice on how to answer the question of, "Should I go to graduate school?" Various options and ways to get the thing done! Enjoy the show! Joshua Matt's website: http://www.designindependence.com/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron Sign up for a consulting call with me: www.radicalpersonalfinance.com/phonecall

I received the note below from a listener of my show and today I answer it! Enjoy, Joshua ----- Hi Mr. Sheats! I'm a home educated 13-year-old fan of your podcast. I love how in-depth, interesting, and out-of-the-box it is. I used to listen to the Dave Ramsey Show a lot, but that got really bland, so my dad suggested your show. I love it! I've been listening pretty much daily since January of this year, and you've inspired me to become financially independent before age 30. Right now, I'm saving 70% of my income from working at my parents' dental office and trying to develop skills that will get me closer to that goal (such as math, coding, and finance, all things I love learning about and think have the best potential to help me become financially independent). Do you have any advice for a thirteen-year-old listener like me? As for a specific question, I was wondering whether you would recommend I continue doing high school at home or attending our local public school. I'm really interested in taking CLEP classes since those could help me finish college faster. As far as I can tell, the pros of public school are: I'm pretty extroverted, so being able to hang out with friends every day sounds fun (although I'm sure high school isn't just hanging out!). The high school in our district is ranked 10/10, so it's supposed to be a good school academically. It might be a good way to get a feel for going to a "normal" school and make getting used to staying at the teacher's pace, and other skills I might need for college easier. The transcript is automatic, but in home education, you have to detail everything yourself and make sure it fits with requirements. Cons: I love being home educated! I'm an independent learner, and I can learn faster just reading something and taking a test than sitting in class for an hour. I'd probably have less time in a public school as opposed to home education. Other than hanging out with friends, writing my fantasy novel, and playing music, I want to spend my free time as a homeschooler learning skills, experimenting with starting a business, and studying CLEP. I'd have to stick with the class, but with home education, everything's based on your pace, so you can go faster. I love how we can take vacations or days off sporadically, but in public school, with such long summer breaks, etc, you can't miss a day comfortably. I'd have to wake up early (; Thanks for all your time! Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting phone call with me: www.radicalpersonalfinance.com/phonecall

My guest today is Lauren Greutman. Lauren has been on RPF before (with her husband Mark) way back at Episode 108. But today she's back today as part of the book launch tour for her brand-new book: The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life. In today's episode, we cover: Lauren's personal story and her highs and lows Lauren's systematic, step-by-step advice for how to overcome a spending addiction And more! Enjoy the interview! Joshua Lauren's book on Amazon: The Recovering Spender: How to Live a Happy, Fulfilled, Debt-Free Life http://rpf.link/2cqaNj8 Lauren's website: www.IAmThatLady.com Support RPF on Patreon: www.radicalpersonalfinance.com/patron Want to schedule a consulting call with me? Book here: www.radicalpersonalfinance.com/phonecall

On Fridays, we do Q&A. Today we cover: How Should I Structure My Purchase of an iPhone? What Should I Think About When Buying a House? How Many Credit Cards Should I Have For Optimal Living? How Should I Value My Defined-Benefit Pension Plan If you'd like to join for a future Q&A call, join here: www.radicalpersonalfinance.com/patron Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Get a personal consulting call with me: www.radicalpersonalfinance.com/phonecall

You want to start a business...so, you have to decide what type of business entity to use, right? Well, yes and no. Yes in the sense that it is an important decision. But no in the sense that you should first focus on how you're going to build the business...and you should probably just start the business and see if it will work. But, it is an important decision. And there is a lot of confusion over all these entities. Today we cover these entities in an introductory capacity: Sole Proprietorship Partnership C Corporation S Corporation Limited Liability Company (LLC) Limited Liability Partnership (LLP) My intention is not to give you all the details but simply an overview so you will feel more confident soliciting the professional advice that you need for your specific situation. Joshua Need a financial advisor? Start your search here: www.radicalpersonalfinance.com/paladin Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

Whatever begins to exist has a cause. This fundamental truth governs much of your thinking. And yet, have you stopped to consider its application and how you can adjust this to your benefit? The law of cause and effect is operational in your daily life. And yet, many people focus on the things they want (the effect) without every once stopping to think about how to get there! They don't think about the causes that are necessary to achieve a certain effect! In today's show, I give you a series of very practical lines of inquiry into financial causes and effects. These ideas will help you to look at your own situation with a fresh vision and to create a customized plan that will help you go from where you are to where you want to be. Joshua You Need A Budget! Try this system free for 30 days: www.radicalpersonalfinance.com/ynab Support RPF on Patreon: www.radicalpersonalfinance.com/patron Want to have a consulting phone call with me? www.radicalpersonalfinance.com/phonecall

Hey Radicals! Tough week this week and I'm behind on shows. My apologies! I thought you might enjoy this recent interview I gave on Everything Financial Radio in Grand Rapids, Michigan. The first part of the show is with Gerald Celente. My interview starts at 19:15. Back soon, Joshua The original file is found here: http://www.everythingfinancialradio.com/2016/07/gerald-celente-and-joshua-sheats-join-host-dennis-tubbergen/

Today's show is dedicated to the idea of mobile home investing. John Fedro stumbled into the mobile home investment business and has since made it his unique area of specialty. Mobile homes have some unique characteristics that might make them an attractive investment class for you to consider. (After all, you can often buy an entire house for less than a new car!) But they also carry some significant potential downsides. Enjoy the education, Joshua John's website: http://www.mobilehomeinvesting.net/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron

On Fridays, I host a live Q&A call! Today we cover: Should I Take a State Defined-Benefit Pension Plan or Choose a Defined-Contribution Option? Why Do So Few People Grasp How Simple It Is to Become Wealthy? What Are the Next Steps I Should Take in Establishing My New Consulting Business If you'd like to join on a future call, become a Patron of the show at www.radicalpersonalfinance.com/patron Enjoy! Joshua

Ever since I sat down and designed my "Seven Stages of Financial Independence," I've been a bit bothered by Stage 7: Financial Abundance. I inserted it at the end of the list because I think that's where it belongs. But I don't think you have to wait until you get through the stages to be able to enjoy a lifestyle of Financial Abundance. And I definitely don't think you should wait for later to start planning for Abundance. So, what do you do? Well, in today's show I do my best to lay out some ideas to point you in the right direction. Enjoy! Intro to the Stages of Financial Independence: https://radicalpersonalfinance.com/174-the-stages-of-financial-independence-a-useful-roadmap-to-help-you-navigate-from-from-broke-to-financial-freedom/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

Your personal credit and credit rating are an important component of your financial life. But did you know that you can also establish, build, and utilize an entirely separate credit file on your business? My guest today, Ty Crandall, is an expert on both business credit and personal credit and he's here with me today to share with you some actionable strategies you can understand and implement to begin building your own personal business credit. Enjoy! Joshua Ty's website (and free guide): www.creditsuite.com/ein Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Today we tackle Social Security with Devin Carroll from www.SocialSecurityIntelligence.com Devin is a financial planner who has taken a special interest in consulting on the topic of social security. In this show we cover some general background and advice for those who are trying to figure out how to approach their social security strategy as well as some interesting background on the social security program. (If you listen closely, you might even find an argument or two contained herein!) Enjoy! Joshua Devin's website: http://socialsecurityintelligence.com/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron

My guest today has been from the lowest of lows to great heights of success. And then he repeated the cycle at least a time or two. Rod Khleif has owned over 2,000 houses and apartments. He has made millions. And, he lost millions during the 2008 housing crash. Today, he's come on the show to share the good and the bad from his experience. We cover technical details of real estate as well as many very important life lessons. Enjoy! Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron Rod's podcast website: http://lifetimecashflowpodcast.com/

Do you wish to set out and travel but feel like you lack the money? Well, what if you did it anyway and just adjusted your style of travel to fit a more modest budget? My guest today is long-time listener of the show, Philip Frey. A few years ago he did exactly that. He set out across Europe with a schoolmate and they managed to cobble together a very fun trip on a very modest budget! In today's show we discuss Philip's experiences and advice for how to replicate a trip like his. I also share some of my tips and ideas for how I would approach a trip like this for myself. Enjoy the show! Joshua Philip's website: http://www.valiantgrowth.com/ A stand-alone episode that Philip did on his podcast "Extreme Travel: My Story of Hitchhiking Through Europe on Under $40 a Week" http://www.valiantgrowth.com/e32/ Also, "How to Spend $2/day on Food" http://www.valiantgrowth.com/e14/ Steven Harris's website on "How to Keep Your Phone Charged All the Time Anywhere in the World That You Go" http://www.cellphone1234.com/ Hitchwiki: The Hitchhiker's Guide to Hitchhiking the World http://hitchwiki.org Support RPF on Patreon! www.radicalpersonalfinance.com/patron

My guest today is Daniel Crosby. Daniel is a behavioral economist and he has applied his expertise to the question of investing. One of the greatest challenges investors face is managing their own behavior. Daniel has studied this problem extensively and has formulated specific recommendations to help investors manage their psychology and manage their behavior. Enjoy! Joshua You're Not That Great! http://rpf.link/2aIuwry The Laws of Wealth: Psychology and the Secret to Investing Success http://rpf.link/2aJLUiT Support RPF on Patreon: www.radicalpersonalfinance.com/patron

I tried as hard as I could to ship a financial planning show today, but it just didn't get done. Oh well. I don't always promise to release audio to you every day, but I didn't want to leave you hanging without something to listen to. So enjoy 20 minutes of pure Jim Rohn gold. Joshua

My guest today is Kathy Fettke. Kathy has a very interesting story of learning to invest in real estate during a time of personal crisis. She has since leveraged her experience to build a business related to real estate in addition to managing her own investments. Enjoy! Joshua Kathy's website: http://www.realwealthnetwork.com/ Support RPF on Patreon: www.radicalpersonalfinance.com/patron

I'm fascinated with stories of immigrants to the United States. If you mentally put yourself in the shoes of an immigrant and then ask how you could become wealthy, even if you started with nothing, you have the opportunity to clarify the actions you can take which lead to wealth. A listener to the show, Manhar Patel, emailed me and asked me if I was interested in his story. After a bit of back and forth, I invited him on the show to tell his story. Manhar is an Indian immigrant to the United States who is working to build his fortune. Enjoy his story and take what you can learn from his tips and tricks and apply them to your life. Joshua Support RPF on Patreon. www.radicalpersonalfinance.com/patron

The past few weeks have been a bit depressing for me due to the absurdity of national politics here in the United States. I broke my personal rules of not getting involved with national politics and the results weren't pretty. I was thoroughly annoyed and saddened. Until Sunday afternoon. Which is when a young man in my neighborhood cheered me up by showing how it's possible for someone who wants something to get it, no matter what stands in the way. On today's show, I share with you some thoughts on the power of choice which we all have. We have the power to choose what we do and when and how. Ultimately, the politicians don't have the power over our lives. We have the power over our lives based on our choices. I cover some ways for you to build more freedom and independence (especially in the area of taxes) by understanding the laws that you're subject to and then simply avoiding the conditions of being subject to them! Enjoy, Joshua Britain banishes plastic bags Laffer Curve Window tax Support RPF on Patreon www.radicalpersonalfinance.com/patron Book a consulting call with me www.radicalpersonalfinance.com/phonecall

On Fridays we do Q&A! Are Bonds Necessary for Good Asset Allocation Traditional 401(k) or Roth IRA How to Leverage Long-Term Travel for Career Advancement What Kind of Retirement Plan to Put In Place at a NonProfit How to Rebuild after Bankruptcy If you'd like to get on a call like this, join as a patron! www.radicalpersonalfinance.com/patron Joshua Paper: "Non-Profit Organizations Have Few Options for Deferred Compensation" from Journal of Retirement Planning

How much money do you spend eating out? How much money could you save simply by learning to cook for yourself? My guest today is Ketura from www.FreeToCook.com and she's here to share her personal experiences in learning to cook from home to improve her family's budget. Enjoy! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron

Today we round out the 4-part disability series with: A wrap-up of some key concepts Taxation of disability insurance premiums Various types of disability insurance policies Pregnancy and disability insurance Q&A from the audience Enjoy! Joshua Looking for a financial advisor? Start here: www.radicalpersonalfinance.com/paladin Support RPF on Patreon: www.radicalpersonalfinance.com/patron Want to book a consulting call with me? Book here: www.radicalpersonalfinance.com/phonecall

College and all of its associated costs can make a big difference in your financial situation. Today, I've invited Brad Baldridge on the show to discuss the college planning process and the background to many of the financial decisions. I think you'll enjoy the interview. Be sure to stay tuned for the second half where we pull apart some strategies for making the student aid forms work to your favor. Enjoy! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Want to consult with me on your specific situation? Book a call: www.radicalpersonalfinance.com/phonecall

Minivans get a bad rap in our modern culture. They're the brunt of endless jokes and I want to see that change. For some reason people think that minivans are suitable only for parents with kids. They certainly are great for that--far, far better than an SUV--but that's not all. I think a minivan is pretty much the perfect vehicle for everyone at every stage of life. Yes, that's a big claim. But I really, really do think they're great. Today, I do my best to convince you to join me in the land of the enlightened. :) Joshua

The tagline I created for Radical Personal Finance is this: "...the show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now while building a plan for financial freedom in 10 years or less." Little by little I've been breaking this down for you and today we tackle the "financial freedom in 10 years or less" part. I believe that, no matter where you're starting from or what your current financial condition, you can build a plan to achieve financial freedom in 10 years or less. And, in today's show, I defend that statement to you. Enjoy, Joshua Support RPF on Patreon: www.radicalpersonalfinance.com/patron

Today we continue our disability insurance series with a discussion of: How to determine the benefit amount of an individual disability insurance policy The interaction of group disability insurance and individual disability insurance The definition of disability (own occupation, modified own occupation, any occupation) How is disability determined (loss of time, duties, income) Total disability vs. partial disability vs. presumptive total disability. Enjoy! Joshua Support RPF on Patreon! www.radicalpersonalfinance.com/patron Want to consult with me? www.radicalpersonalfinance.com/phonecall

Often very large financial goals can be achieved in a relatively short period of time if you focus enough on the goal and execute a plan with intense action. Today, I bring you the story and experience of a couple who did just that. Ben and Deb Martinek decided to become over-the-road truck drivers so that they could pay off their student loans in a very short period of time. They succeeded in paying off about $100,000 in debt in 2.5 years by driving a truck. And they had a great time doing it! Today we hear their story and ideas on how you can do something similar for yourself. Joshua The blog that Ben and Deb kept while driving a truck: www.truckyoufortwo.blogspot.com Ben's financial planning business: www.bonafidefinance.com Support RPF on Patreon! www.radicalpersonalfinance.com/patron