Radical Personal Finance

Wouldn't it be cool if you could work really hard for a few years, save aggressively, and then quit your job and travel the world? Today's guest has done just that. Today I have Brandon, the Mad Fientist, and his wife Jill on the show! Brandon recently hit his Financial Independence number and he and Jill hit the road for some long-term travel. Enjoy this interview where we dig into what's great about financial independence and what ain't so great. Enjoy! Joshua Brandon's website: http://www.madfientist.com/ Sponsor: do you have student loan? Call Jay Fleischman. Listen to his first and second interview on the show and then go here: www.studentloanshow.com/radical Have you ever thought of writing a book? You should at least consider it! Talk to publishing coach, Patrick Snow. www.thepublishingdoctor.com For a complimentary 30-60 minute consultation text Patrick at 206-310-1200. Do you love Radical Personal Finance? Please support the show on Patreon! www.radicalpersonalfinance.com/patron

I'm thrilled to bring Jay Fleischman back on the show. Jay was a guest on Episode 214 of the show and it was a popular show and I received a lot of great feedback. Most importantly, I learned a ton from the interview! Today, Jay and I tackle the actual process of analysis. If you have student loans, Jay gives you the step-by-step action plan for what you need to do in order to analyze your options. We're also launching Jay as the newest sponsor of Radical Personal Finance. He's a perfect fit for a sponsor and I think he'll be able to serve you in some really wonderful ways. Listen to the show. Then: Subscribe to the Student Loan Show in iTunes: http://rpf.link/SLSiniTunes If you have student loans, sign up for a consultation with Jay using the special discount code here: http://www.studentloanshow.com/radical/ Enjoy the show! Joshua

Ever wondered about the basics of estate planning? Today's show is a simple overview of the major estate planning documents. We talk about wills, living wills, and powers of attorney and discuss what they mean and why they're important. This is not a technical deep-dive; this is a light and friendly overview. Enjoy the show! Joshua Do you have a question you'd like me to answer about estate planning? Ask me here! http://rpf.link/1RBBZIW Support Radical Personal Finance on Patreon! http://www.radicalpersonalfinance.com/Patron

Many of us are focused on the primary goal of transitioning from work that doesn't suit us to work that does. After all, if we can solve the work conundrum, our lifestyle can be massively improved even if we're not yet rich! My guest today is Jeff Goins and he has blazed the trail ahead of us and has successfully made the transition to a career he loves. Even better, he's written a book on how you can do the same thing! Enjoy the interview and the learning! Joshua Jeff's site: www.GoinsWriter.com Jeff's new book, "The Art of Work: A Proven Path to Discovering What You Were Meant to Do" http://rpf.link/1NuuFzu Interested in writing a book? Connect with my personal publishing coach, Patrick Snow, and chop months off of your learning! Browse his information at www.ThePublishingCoach.com or text him at 206-310-1200 for a complimentary 30-60 minute consultation. If you're going to transition from a steady paycheck to work you love, you must be the master of your budget! Start by using the YNAB software. Get a free 30-day trial here: www.RadicalPersonalFinance.com/YNAB Support Radical Personal Finance on Patreon! www.RadicalPersonalFinance.com/Patron

It happens to so many people: your car breaks down at an inconvenient time and you're facing a massive repair bill. The stress starts to mount and you find yourself wondering--should I just go out and buy a new one? Or, sometimes worse, you feel like every other week you're flushing money down the drain to fix your car and you're getting tired of it. Feeling totally frustrated, you're tempted to trot out and assuage the headache with a new car. Should you do it? How should you try to assess your options and make the decision? That's the question I tackle in today's show. Listen in and let me know what you think! Joshua Interested in publishing a book? Call the Publishing Doctor first! Check out www.thepublishingdoctor.com and text Patrick for a complimentary consultation: 206-310-1200 Are you searching for a financial advisor? Start your search here: www.radicalpersonalfinance.com/paladin Support Radical Personal Finance on Patreon! www.radicalpersonalfinance.com/patron

I had the opportunity to connect with JD Roth, one of the most well-known personal finance bloggers in the industry while I was in Charlotte, NC at #FinCon15. We had a great interview. We talked in detail about JD's personal story with finance and how he set out to Get Rich Slowly--and wound up getting rich fast. We also talk about the great things and not-so-great things that resulted from the journey! Enjoy the interview! Joshua JD's current project: www.MoneyBoss.com You Need a Budget! Try out this software and see how you like it: www.RadicalPersonalFinance.com/YNAB Looking for a Financial Advisor? Start your search here: www.RadicalPersonalFinance.com/Paladin Support Radical Personal Finance on Patreon! www.RadicalPersonalFinance.com/Patron Is public schooling the largest industry in the world? https://youtu.be/ws4a-GMQ1MI?t=1h13m33s How much money does the United States spend on public elementary and secondary schools? http://nces.ed.gov/fastfacts/display.asp?id=66 The real cost of public schools: http://www.cato.org/publications/policy-analysis/they-spend-what-real-cost-public-schools

Today I'm sharing with you the audio from the live conference call I recently hosted for all the Patrons of Radical Personal Finance. This was a super-fun experience for me! Having the live interaction was fun. Topics included: social capital entrepreneurship long-term care insurance investing career development and more! Enjoy! Joshua Sponsor: Interested in publishing a book? Call my publishing coach, Patrick Snow, the Publishing Doctor! Start at http://thepublishingdoctor.com and then text Patrick at 206-310-1200 for a complimentary consultation! Sponsor: You Need A Budget! Use the same software that I use to manage my personal budget! http://radicalpersonalfinance.com/YNAB Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Shannon McLay from the "Martinis and Your Money" podcast invited me on her show last month to talk about life insurance as part of "Life Insurance Awareness" month. Enjoy this interview with me where I share all of my advice and thoughts about how to approach the life insurance situation. The original interview with Shannon appears on her site here: http://financially-blonde.com/radical-thoughts-on-life-insurance/ Joshua

Have you ever thought about writing a book? If you have, you're part of the 80% of Americans that dream of doing just that! But how do you go about it? And, perhaps more importantly, why should you consider it? Today I present to you an interview with my personal publishing coach, Patrick Snow. Patrick is an international best-selling author, professional speaker, publishing, speaking, and book marketing coach. He's already been tremendously helpful to me as I work on my first book and I look forward to continuing to work with him! Enjoy this episode where we talk about the business of writing and why you should write and publish a book. Enjoy! Joshua Patrick's websites: http://patricksnow.com and http://thepublishingdoctor.com Text Patrick at 206-310-1200 for a complimentary, 30- to 60-minute publishing consultation. Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Let's put our work boots on today and dig into some of the science of financial planning. We've been doing a lot of fluffy, motivational-type stuff on Radical Personal Finance recently. That stuff is really valuable but it needs to be tempered with some serious knowledge. Today, let's talk about annuities. Annuities get a bad rap in the financial marketplace. And rightly so. They've been shamefully misrepresented, oversold, and abused by many insurance agents. But do they have a place? Can they be an incredibly useful tool in the toolbelt of a good financial planner? I believe so. In today's show I work to share with you some background and structure about annuities. This will help you to understand the words involved and the different product structures available. We talk about: The number of lives covered (single life vs joint life vs joint-and-survivor annuities) When the payments start (immediate vs. deferred) Methods of premium payment (lump sums vs. periodic payments) Pure/straight life vs. refund annuities Fixed vs. variable vs. indexed annuities And tons more! Enjoy the show! Joshua You Need A Budget! Use the same software that I use: http://radicalpersonalfinance.com/YNAB Need a Financial Advisor? Start here: http://radicalpersonalfinance.com/paladin Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

We've generally been trained how to think about finance by the financial services industry. Their plan for your finances? Well, each step involves a financial product of some sort or another. But what if we think a little more strategically? Could we get better results? I think so. After speaking with today's guest, Doug Goldstein, I think that the metaphor of chess is a good way to train our thinking. Doug is the co-author of a book titled: Rich as a King: How the Wisdom of Chess Can Make You a Grandmaster of Investing. Enjoy this interview as we discuss how to approach finances like a chess game! Joshua Links: Doug's book: RichAsAKing.com Doug's financial planning firm: profile-financial.com Doug's radio show (get a free ebook): http://www.goldsteinongelt.com/ You Need A Budget! http://radicalpersonalfinance.com/YNAB Need a Financial Advisor? Start here: http://radicalpersonalfinance.com/paladin Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

One of the benefits that $200/mo. Patrons of Radical Personal Finance get is being able to choose a topic of the show. Here's the note that prompted today's episode: Joshua, Double income medium- to high-earning couples frequently ask me how to lower their taxes (the second income is at a higher rate of >28%, plus state 3.75% and social security 7.65 or 40% all in). I don't have a lot to tell them:-calculate whether it's worth it for second spouse to work ('Money or Your Life' style-after tax/child care/gas income per hour of total time spent at job (commuting and working)-weigh the qualitative factors-max 401k-invest in real estate I'm assuming I'm missing things. What do you have to say on the subject? One reason my wife doesn't work is that its not worth it. Thanks, Patron Today's episode includes my response and advice for how couples can approach this conundrum! Joshua Need a financial advisor? Start your search here: http://radicalpersonalfinance.com/paladin Do you have a budget? You need one! Try this: http://radicalpersonalfinance.com/YNAB Want to support the show? Go here: http://radicalpersonalfinance.com/patron

The most challenging question that I get asked on Radical Personal Finance is this: "Joshua, how do I find a great financial advisor?" It's hard because there are great advisors at most (all?) firms and there are terrible advisors at most (all?) firms. More importantly, there are different advisors for different stages of life and different levels of need. Unfortunately, all these get lumped together under the term "financial advisor," which is, itself, a non-specific and mostly useless term which could refer to any number of job descriptions. However, I still try to answer the question. And today, I'm working to answer it with a new sponsor: Paladin Registry. This show is an interview with Jack Waymire, the founder of Paladin Registry and it contains an in-depth interview discussing the challenges and process of finding a great financial advisor. Enjoy the show! Joshua Start your search for a financial advisor through Paladin here: http://radicalpersonalfinance.com/paladin Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

After a way-too-long hiatus, Friday Q&A is back! On today's show, we cover: Online Savings Accounts Commission-Free Life Insurance Why Don't I Have a CIMA Designation Would I Do A Daily Podcast Again Should I Max My 403(b) or Save for a Down Payment 529 Plan for Myself, and Thoughts on Leveraged Index Funds Enjoy! Joshua If you don't already use the YNAB budgeting software, download a 30-day free trial and try it! I think you'll love it. http://radicalpersonalfinance.com/YNAB If you're not listening to audiobooks, you should be! Get a free audiobook of your choice when you sign up for a trial membership to Audible: http://radicalpersonalfinance.com/audible I strongly recommend "Money: The Unauthorized Biography--From Coinage to Cryptocurrencies" by Felix Martin as your free book. You'll love it! Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Sometimes you discover something that's been out there for years and you want to smack yourself in the head for not tuning in to it sooner. That's how I feel when it comes to YNAB. (For the uninitiated YNAB stands for You Need A Budget.)I used YNAB years ago and my response at that time was, "ho-hum." I then proceeded to ignore it for the next 6 years to my own detriment. Bummer. I wish I'd paid more attention! I was reintroduced to YNAB by my own listeners (the full story is in this episode) and today I'm thrilled to introduce YNAB as a sponsor of Radical Personal Finance! Check out this interview with Jesse Mecham, the founder of YNAB for an introduction to him, his story, and the YNAB company. It's a super interesting story of entrepreneurship, growth, and the creation of an awesome product which fits a real need that most of us have. Enjoy! Joshua Download a free trial of YNAB! http://radicalpersonalfinance.com/YNAB Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I love to talk with people who have achieved financial independence. But I especially love to talk to those financially independent people who have achieved it in a very accessible way! Frankly, it's hard to relate to a tech titan who sells their latest greatest app company for a billion dollars. But I can relate to someone who has simply worked hard, saved aggressively, invested conservatively, built an entrepreneurial side hustle and achieved their results over time! My guest today is Scott Alan Turner and he's done exactly that. Sit back, relax, and enjoy his story! And make sure to take special note of how you can copy and model him and his success. Enjoy! Joshua Scott's website: http://scottalanturner.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

When I was younger my brothers and I spent lots of time talking about how to make our millions of dollars with passive income. Two businesses seem to be prominent when you go down that line of thinking as a young person: car washes and vending machines. We didn't pursue either of those businesses. But much later I did wind up working with some clients who had a vending business. And I was intrigued by their business. My guest today is a vending expert. Matt Miller started his vending business the hard way and built it slowly. Over time, he wound up finding a new niche for his vending products: stickers. He's since gone on to create a franchise to teach others how to do what he has done. Enjoy his wisdom, experience, and insight! Joshua Matt's website: http://ssvbusiness.com/radical/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Interpersonal skills of relationship are a huge deal and your mastery of them will massively impact your level of success in life. All else being equal, people would rather do business with people they know, like, and trust. All else NOT being equal, people would STILL rather do business with people they know, like, and trust! So, this is an area that we should give attention to. My guest today has devoted years to studying, mastering, and teaching interpersonal skills. Jordan Harbinger is the co-founder of the highly successful Art of Charm. I caught up with him at Podcast Movement 2015 and invited him on the show to share some lessons with us. He delivered. Enjoy the interview! Joshua Jordan's website: http://artofcharm.com Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Money in marriage is an extremely challenging area of life. Researchers often say that money fights and money problems is the number one cause of marital stress. My guest today is Derek Olsen. He and his wife Carrie have written a book called "One Bed, One Bank Account: Better Conversations on Marriage and Money." I was able to catch up with him at Podcast Movement 2015 where we dug into the major questions of how to handle money together. Make sure to stay tuned at the end of the episode. There's a 30-minute bonus episode on the radical lifestyle that they are living! Joshua Links: Derek and Carrie's website: http://derekandcarrie.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I had the opportunity to sit down with Casey Lewis while I was in Fort Worth, Texas a couple months ago. Casey has worked his way through his own money transformation and he has a lot of experience and wisdom to share about the process. Along the way, we discuss: Debt freedom Goal setting and goal achievement Personal financial management And more! Enjoy! Joshua Casey's website: http://casey-lewis.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I'm here at #FinCon15 in Charlotte, NC this week and I had the privelege of interviewing Don Montanaro, the CEO (and co-founder) of TradeKing! We recorded this episode live on the #FinCon15 podcasting stage on September 18, 2015. We cover the details of: Don's career progression from the mail room to CEO What makes a difference in how quickly an employee gets promoted How the securities market works And way more! Enjoy! Joshua TradeKing's website: http://tradeking.com Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

It might seem like the only way to make money in today's world is to create and sell a digital product. It's not. Frankly, the physical product world is probably much less crowded than the digital world! My guest today is Andreea Ayers. She is awesome. She created a business that made and sold yoga-themed tshirts. Then, she created a business that sold soaps. Now, she's taken her success and experience with her own brands and turned it into a consulting business where she helps others to duplicate her success. It's a super fun interview. Enjoy! Joshua Links: Andreea's website: http://www.launchgrowjoy.com/ Support Radical Personal Finance on Patreon: http://radicalpersonalfinance.com/patron

I love to bring financial advisors onto Radical Personal Finance in order to break down the barriers of communication between advisors and the general public. Katie Brewer is a financial planner based in Texas. She specializes in working with Gen X and Gen Y clients. I invited her onto the show to dig into what's different about planning for Gen X and Gen Y clients as compared to the general public. Also, I grilled her on the reality of what it's like to actually build a financial planning practice from scratch. Enjoy! Joshua Katie's website: http://yourrichestlifeplanning.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

My guest today is Anthony Tran. Anthony is the Founder of Marketing Access Pass, an All-in-One Online Marketing Training and Services website. He's a master internet marketer and he shares some of his experience with us. Also, he's built a successful lifestyle business for himself in the process! Enjoy! Joshua Anthony's website: http://marketingaccesspass.com/ Anthony's podcast: http://marketingaccesspass.com/podcast-episodes/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I'm not the only former financial advisor who became a podcaster. My friend Joe Saul-Sehy has trod the same path! We had the opportunity to catch up at the Podcast Movement conference and we were able to talk shop about the financial advisory business. Enjoy! Joshua Stacking Benjamins http://stackingbenjamins.com Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I met Aaron Walker at the Podcast Movement Conference in Fort Worth last month. After listening a bit to his story, I immediately invited him onto the show to share some of his experience with us. Aaron is a serial entrepreneur. He's developed pawn stores, built homes, and run coaching groups. Interestingly, he's a long-time member of a study group with Dave Ramsey, Ken Abraham, Dan Miller as well as some other notable Nashville businessmen. This leads to some interesting insight into some of those gentlemen! Enjoy the show! Joshua Aaron's special landing page for RPF listeners: http://viewfromthetop.com/radical Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I met Bryan Norris at the Podcast Movement conference in Fort Worth, Texas. I'm glad I did. Brian is a professional numismatist and a real expert in rare coins and money. Numismatic coins are an interest of mine and I was thrilled to bring him on the show. We cover: Numismatic coins vs. bullion coins The history of inflation and hyperinflation as told through money How to get started with coin collecting And a ton more! Enjoy this one! Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Happy Monday, Radicals! This morning I want to share a few experiences I'm grateful for and use it as an opportunity to encourage you as you begin your week. I've been tremendously blessed over the past weeks by many friends and family members who have volunteered their time and talents to help me in my time of need. I'll never be able to repay them. And yet, if an opportunity arises, I will work to repay them because I now have social debt. And, I'll be happy to work to repay them. In today's show I share with you some simple thoughts around the social giving economy and some encouragement for you to focus on being a "Go-Giver" towards others. It's a character trait that may help you tremendously in your time of need. Enjoy! Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Climbing the corporate ladder is time-tested and proven path to income and impact. And the cool thing about this approach to career success is that you can begin where you are and simply start working the process. My guest today did just that. Lee Cockerell started with few advantages. After a stint in the military he took a job as a waiter in a Hilton hotel and went to work. He finished his 41-year corporate career as the Executive Vice President of Operations for Walt Disney World responsible for 40,000 cast members. After retiring from the corporate world he transitioned to teaching leadership and sharing the principles of success that he has learned with others. Lee is a dynamic guy and a wealth of information and inspiration. Enjoy the interview! Joshua Lee's website: http://www.leecockerell.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Over the last few days global securities markets have been rocked with massive losses. Naturally, times like this should cause us to seriously consider our investment strategy and take a look to see what the appropriate response might be. Many of us have a significant amount of our life savings invested in public securities markets and it can be frightening to see the impact of the declines in market prices. But what should we do? In this episode I share with you some ideas and ways of thinking which you can apply to your situation. Take a few moments to consider the input and assess your personal strategy. Enjoy! Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I love hearing entrepreneurship stories because they speak to me of people who clarify what they want and pursue it aggressively. Vision is required for you to be willing to leave the bed of employment where things are comfortable and warm and pursue the rocky world of entrepreneurship. The road isn't easy. But it can be easier if you will build a financial foundation underneath you before you launch. My guest today is Cliff Ravenscraft, best known as the Podcast Answer Man. Cliff has an amazing entrepreneurial story and today I get to bring it to you in great detail. Cliff openly shares where and how he started and the steps that he has taken to bring him to his current level of financial success. Pay attention: he's experienced the joy of living on the $11,000 of profit he earned in his first year (not easy to live on that amount) and the joy of earning over $500,000 gross income last year. Learn from his story. Enjoy! Joshua Cliff's primary website and podcast: http://podcastanswerman.com/ Cliff's personal audio journal podcast: "Pursuing a Balanced Life" http://gspn.tv/category/all-shows/mcl/ Cliff's free tutorial on how to set up a podcast: http://learnhowtopodcast.com Cliff's in-depth four-week course on podcasting: http://podcastingatoz.com Support Radical Personal Finance! http://radicalpersonalfinance.com/patron

Effective tomorrow, 8/13/15, the global headquarters of Radical Personal Finance will be moving! I'm about to start unplugging my computers and microphone but I wanted to make sure to ship today's show before doing that. So, I decided to share with you how I've approcahed this decision to move. I think it will be helpful for you to consider how to Think Slow, Move Fast, and Prioritize Your Life. Now, time will tell if it worked for me or not! :) Joshua Support Radical Personal Finance! http://radicalpersonalfinance.com/patron

At the recent Podcast Movement conference in Fort Worth, Texas, I had the opportunity to connect with James Kinson, host of the Cash Car Convert podcast. James has a fun story to share and some great lessons to teach. He's a long-time car guy who got the debt-free religion and changed his car-buying habits. To his delight, he's wound up a good deal richer than ever before! He's got some great lessons to share and in this show we discuss: The impact a cash car can have on your wealth Leasing vs. buying Whether the advice to buy a good used car still applies in the modern day of higher repair bills. Enjoy the show! Joshua Cash Car Convert: http://cashcarconvert.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

As we head into the back-to-school season in the United States, I've been thinking a lot about the value of college and I've come up with a framework that I think will be useful to you. I see the 5 major benefits of college as these: Fun Personal Growth Certification Education Connections It's helpful to identify these benefits. But it's more important to understand how to manipulate the system to maximize your opportunities with each of them. Once you understand, you can design your own radical path to success. Enjoy the show! Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I recently returned from the Podcast Movement Conference in Fort Worth, Texas. While I was there I had the opportunity to interview Danny Peña the day before he was inducted into the Podcasters Hall of Fame. For the last ten years, Danny has built Gamertag Radio into a major voice of influence in the video game industry. And, he's built a business out of a passion. Listen to the interview to hear: How to build a business from a passion How video games can tremendously The impact of video games on his own life Why Joshua is wrong about video games! :) Enjoy, Joshua Links: Gamertag Radio http://www.gamertagradio.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

"Eat That Frog! 21 Great Ways to Stop Procrastinating and Get More Done in Less Time" by Brian Tracy is an absolute goldmine of a book. Without question, this is a 5-star book. Before you read it though, it's important for you to understand what it is and what it isn't. It's not a deep-dive treatise of productivity systems; rather, it's an overview of the core principles of productivity that you need in order to organize your life around accomplishing more, meaningful things that will move you toward your goals. It's short, fast, and pithy. Tracy begins with the big picture focus of making sure you're doing the right things--planning the things to do that directly tie to your goals and things that are going to have the biggest impact on your achievement of those goals. Then he continues with the practical suggestions to help you actually do those things. Here's my recommendation: get the audiobook version and listen to it on the first of every month for the next 60 months. Even if you did nothing else for your personal development and improvement it would be enough to catapult you into the upper tiers of your company and career. Enjoy! Joshua Eat that Frog! on Amazon: http://amzn.to/1gSl8Vz Get a free copy of the audiobook on Audible: http://radicalaudiobooks.com

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Voluntary Life podcast with Jake Desyllas regarding Tax Strategies and Financial Freedom. This is Part 2 of a 2-part series. The interview was originally released on June 21, 2015. Enjoy! Joshua Jake's site: http://www.thevoluntarylife.com/2015/06/210-tax-strategies-and-financial.html

I'm not able to record and release a show for you today so I'm releasing an interview that I gave on the Voluntary Life podcast with Jake Desyllas regarding Tax Strategies and Financial Freedom. This is Part 1 of a 2-part series. The interview was originally released on July 14, 2015. Enjoy! Joshua Jake's site: http://www.thevoluntarylife.com/2015/06/209-tax-strategies-and-financial.html

Good morning, Radicals! Two quick announcements for you this morning: If you are a listener of the show, come have breakfast with me this Friday morning at 7am at the Cast Iron Restaurant at the Omni Hotel in downtown Ft. Worth! I'll be attending the Podcast Movement conference and would love to see you! Please register here: http://bit.ly/RPFatPM15 (If you aren't able to come on Friday but can come on Saturday or Sunday morning, let me know on Twitter and I'll try to be there at 7am for breakfast those days as well. I won't have as much time but I would still like to see you! https://twitter.com/JoshuaSheats There won't be any new shows this week until I return from Texas. I will be releasing an interview I gave recently but I wasn't able to finish producing the other shows I had planned. Have a great weekend! Joshua Register for breakfast: http://bit.ly/RPFatPM15

(audio from a video book review)Nicholas Boothman’s book “How to Make People Like You in 90 Seconds or Less” is a great introduction to the skill of intentionally establishing rapport with new acquaintances. This book is a broad, useful introduction to the topic. All else being equal, people would rather spend time with, work with, buy from, and help those that they like. The skill of being likeable and helping people to like you is thus a very useful life skill and can be an important component of your success toolbox. Boothman establishes two beautiful aspects to being likeable: 1. It’s a learned skill. This means that no matter who you are and where you’re starting from, you can improve and develop your skills so that others like you more and more quickly. 2. It’s an honest and ethical practice. Even though the title has the typical “self-help schmarminess,” there is nothing tricky or conniving about the tools and tactics in the book. You would want everyone in your life to understand the concepts of this book and to practice them continually in their relationship with you. Ultimately, likeability largely boils down to active listening and we all crave friends who are careful, active listeners. This book is not deep. Boothman doesn’t dig into science research or discuss a lot of history. Rather, it’s useful and practical. You can immediately learn and apply the content. I appreciate that! I listened to the audiobook version and I enjoyed listening to it in the author’s own voice. He does an excellent job conveying the emotion and tone of his work. However, I purchased the written version so that I would be able to access the outline and notes for reference and so that I could do some of the exercises contained within it. The book was published in 2000, so there are plenty of used copies available for $0.01. Also, the Kindle version is a downright bargain at $2.51! http://amzn.to/1LW3D2z Enjoy the book! Joshua Get the audiobook version for free! http://radicalaudiobooks.com

I've got a very special interview for you today with Tom Corley. Tom is an accountant and financial planner by trade. He began interviewing his wealthy clients to try to understand what they do differently than other people. Over time, his research expanded to additional interviews with poor people in an attempt to understand their lifestyles and habits. This research formed the foundation for his first book, "Rich Habits: The Daily Success Habits of Wealthy Individuals." After a slow start, the book gained traction and attention and he followed it with his next book, "Rich Kids: How to Raise Our Children to be Happy and Successful in Life."His work is excellent. The books are pithy and worth reading. But what I found most interesting was Tom's personal story. Through the course of the interview, you'll hear me draw out the parallels between Tom's personal life and his books. I'll also draw out how his life has changed as he began to implement the rich habits that he learned from his wealthy interviewees. Enjoy! Joshua Tom's site: http://richhabits.net/ Rich Habits: The Daily Success Habits of Wealthy Individuals http://amzn.to/1MMl9og Rich Kids: How to Raise Our Children To Be Happy and Successful in Life http://amzn.to/1LHooyH Get a free audiobook copy of "The Richest Man in Babylon" http://radicalaudiobooks.com Support Radical Personal Finance on Patreon: http://radicalpersonalfinance.com/patron

My guest today is Steve from Steveonomics.com. Steve is a long-time listener to the show and he and his wife are aggressively pursuing their own plan for financial independence by 40. I invited Steve on the show because he is also a lover of fine mens' fashion. He's able to integrate the principles of wise and careful shopping to build a luxurious wardrobe for himself without damaging his prospects for wealth accumulation. Steve shares: The story of his $1,000 wedding His tips and strategies for building a functional and fashionable wardrobe When to shop at thrift stores How to apply the Alpha Strategy to a wardrobe Enjoy the show! Joshua Gentleman: A Timeless Guide to Fashion by Bernhard Roetzel http://amzn.to/1MlR8NO Put This On on YouTube https://www.youtube.com/user/pthiso/videos An Affordable Wardrobe blog http://anaffordablewardrobe.blogspot.com/ Articles of Style http://articlesofstyle.com/ See what makes WPEngine different! (My hosting provider of choice.) http://bit.ly/1ejID8e Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

We've hit a huge milestone in Radical Personal Finance history! We've reached 201 patrons and $2,001.50 of monthly support for Radical Personal Finance! This is super, super thrilling and I thank each and every one of you for your support. I'm going to be changing the format of the show a bit going forward. I'll be doing fewer long-format shows so that the long-format shows I do release are much deeper and more comprehensive. In their place, I'll be releasing more short-format content into the podcast feed including audio from the YouTube channel. Here's what you can do: Sign up for the email newsletter so you can stay informed of all of the content that I release. Follow me on Twitter and Periscope: @JoshuaSheats Use the hashtag #AskRPF to ask me questions for my Q&A videos and podcasts. Enjoy the episode! Joshua Support Radical Personal Finance on Patreon: chttp://radicalpersonalfinance.com/patron

My guest today is Steve Stewart. Steve's story to me is very interesting because in many ways he was the archetypal American financial story. A normal guy with a normal financial life. However, inspired by Dave Ramsey's influence, he decided to get serious about getting out of debt. Tune in to the interview to hear the incredible impact of that decision on his life! What most intrigues me about Steve's story is how his decisions to get out of debt have had a massive impact on the rest of his life and his ability to pursue entrepreneurship and build a life he loves enough not to retire from. Enjoy the show! Joshua Steve's finance podcast: http://www.moneyplansos.com/ Steve's podcast resource: http://www.yesyoucanpodcasttoo.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

There are many ways to budget. All of us need to find a solution that is effective for us. And that solution will probably change as our situation changes.Today, I want to share some advice on budgeting for people who are in a financial emergency. Here is a very simple method of budgeting. It requires only: a checkbook register a notebook and pencil a stack of all your bills a calculator Details are in the show! Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

My guest today is Joan Sotkin. Joan has a fascinating story of avoiding money, then embracing business and earning massively, then losing it all, then rebuilding again.In today's interview she shares her perspective and insights on: The meaning of money Rich vs. poor The development of the money coaching industry Life satisfaction Enjoy the show! Joshua Joan's website: http://www.joansotkin.com/ Joan's podcast: http://prosperityplace.com/category/podcast/ Joan's book: Build Your Money Muscles: Nine Simple Exercises For Improving Your Relationship With Money http://amzn.to/1e1ghzn Support Radical Personal Finance on Patreon http://radicalpersonalfinance.com/patron

I love audiobooks. I find them to be an incredibly efficient way to learn and an incredibly productive way to use my time. In today's show I share with you my pro-tips for how to effectively integrate audiobooks into your educational plan. I also share with you my analysis of the audiobook marketplace and how you can get the best deals for yourself. I analyze: Your library YouTube Overdrive Hoopla AllYouCanBooks.com Downpour Scribd Audiobooks.com Audible Enjoy! Joshua Get a free audiobook! http://audibletrial.com/radicalpersonalfinance Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I'm thrilled to share with you an interview with JB Glossinger, the Morning Coach. I met JB at a Podcast South Florida meetup event and immediately invited him on the show. JB has a really unique background. After building a career in the corporate world and finishing his MBA and PhD he realized that he was in the wrong field to fulfill his personal happiness. He pivoted and established MorningCoach.com, a top-ranked personal development community. With Morning Coach as his foundational platform, he's gone on to build a tremendous business that provides him with the time and money for his dream lifestyle. Topics include: The role and value of education Being yourself vs being what the market says it wants The imipact that one person can have on another Enjoy! Joshua JB's Morning Coach Community: http://www.morningcoach.com/ JB's personal site: http://glossinger.com/ JB's Lifestyle Design Summit: http://www.lifestyledesignsummit.com/ Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

I used to think that everyone knew how to make decisions. Since starting Radical Personal Finance I've come to learn that some people don't have a clear decision-making framework. Today, I share with you a dirt-simple framework of costs vs. benefits, plusses and minusses. In sales, it's called the Ben Franklin close. Use it. Write it down. Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

Much of our life is lived on autopilot. We generally handle most things by habit. One powerful way to improve the likelihood of achieving your goals is to focus on establishing some simple little habits that will automatically help them to happen! Enjoy. Joshua Support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron