Radical Personal Finance

Latest Episodes:

477-Practical Financial Planning for Large-Scale Disasters Like the Houston Floods Aug 28, 2017

Show notes

I've been watching the #HoustonFloods this weekend and considering the lessons I can learn for my own disaster planning.

Today, I share some useful ideas for you about how to plan for events like the Houston Floods.

Joshua

Episode 381 - Simple, Cheap, Practical Tips to Help You Prepare for a Coming Hurricane
Episode 347: Disasters Happen – Make a Plan Now to Ensure You Have Plenty of Money Available to You to Solve the Problems Money Can Solve

476-Pathways to Financial Freedom (in 10 years or less): Expediter Trucking (and other live-on-the-job opportunities) Aug 22, 2017

Show notes

Yesterday I was watching the solar eclipse (up north in the 100% band) and I happened to have breakfast with an expediter.

Not sure what that is?

Basically, a truck driver who drives a van. (More in the audio show.)

As we ate, I tried to lay out a few paths on how he could become financially free based on his current work.

And, I promised him a show on the topic.

So, you get to listen in as I tell him--and you--how any normal person can use a live-on-the-job opportunity as a trampoline to bounce them into the upper tiers of financial abundance.

Enjoy!

Joshua

The novel I mentioned is Enemies Foreign and Domestic by Matthew Bracken.

475-Friday Q&A: Should I ReFi My CC Debt with a HELOC, Does Passion for a Job Come After You Have Experience, Should I Dump The Military Survivor Benefit Plan in Favor of a Whole Life Policy? Aug 11, 2017

Show notes

Time for Friday Q&A! If you'd like to join for a future show, sign up here: www.radicalpersonalfinance.com/patron

Today, we cover:

2:00 Should I refinance my credit card debt by moving it to a HELOC?
34:10 Do you have passion for a job before the fact or do you become passionate about it after you're good at it?
42:30 Should I drop the military's Survivor Benefit Plan for my pension in favor of buying a 10-year whole life insurance policy?

Enjoy!

And remember! I have 27 seats remaining for the new Radical Personal Finance Guide to Career & Income Planning. If you're interested, I'd love to have you in the class. Join here: www.radicalpersonalfinance.com/career

Joshua

474-The Interplay of Human & Financial Capital, Wages & Profits, Rents and Business Aug 08, 2017

Show notes

As I celebrate the opening of the registration page for the beta launch of the new Radical Personal Finance Guide to Career & Income Planning, I intend to share with you a few simple lessons related to career and income.

Today, we begin with the philosophical fundamentals: the interplay of human capital and financial capital. We all start with what we have (human capital) and use it to create financial capital, which we ultimately work to have in surplus. Once we have surplus, we get to decide what to do with it.

Enjoy!

Joshua

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If you're interested in joining the beta launch of my new Guide to Career and Income Planning, I've got 65 seats left. Registration closes either on 8/20 or when I sell out the seats, whichever comes first. More details here: www.radicalpersonalfinance.com/career

473-What's Wrong With Radical Personal Finance? Aug 03, 2017

Show notes

I've had a tough summer. I have nothing to complain about. I've been richly blessed and, in almost every way outside of Radical Personal Finance, life has been sweet. But, RPF hasn't been so great for me. And, if it hasn't been so great for me, it might not have been so great for you either.

I thought you might appreciate hearing the explanation and the story.

It's important to me to share the good and the bad--the heights and the lows--with you in order to help you understand that we all share common struggles and trials.

That said, I don't think it's helpful to talk about problems unless I can also suggest a solution. And, thankfully, I've worked out some solutions to my problems. So, now I'm ready to share the problems with you!

I've figured out what's wrong with Radical Personal Finance. And [I think] I've figured out how to fix it!

Here's the story...

Joshua

The book I read from is called "Out of the Ashes: Rebuilding American Culture" by Anthony Esolen http://amzn.to/2v69tLh

472-Friday Q&A: Can I Have Both a SIMPLE IRA and a Traditional IRA, What Personal Finance Books Does Joshua Recommend, What Three Investments Would I Buy To Leave Alone for a Decade, What Are the Rules of Thumb for Who Should Buy Long-Term Care Insurance Jul 28, 2017

Show notes

On Fridays we do a live Q&A which is open to Patrons of the show. Become a Patron at www.RadicalPersonalFinance.com/patron

Today we cover:

Can I Have Both a SIMPLE IRA and a Traditional IRA
What Personal Finance Books Does Joshua Recommend
What Three Investments Would I Buy To Leave Alone for a Decade
What Are the Rules of Thumb for Who Should Buy Long-Term Care Insurance
And more!

Joshua

471-Friday Q&A: What's the Best Type of Retirement Plan for my Wife's Side Business, How Can I Help My Sister-in-Law Who is Asking me for Financial Advice, Should I Pay Off My Debt as Fast as Possible or Save Up and Pay it Off in Large Chunks? Jul 21, 2017

Show notes

On Fridays, I host a Q&A call. Patrons of the show are invited to call in and ask any question they want!

Today, we cover:

(1:57) What's the best type of retirement plan for my wife's side business? (SEP IRA, SIMPLE IRA, Solo 401(k)?)
(16:45) How can I help my sister-in-law who is asking me for financial advice?
(30:20) Should I pay off my debt as fast as possible or save up and pay it off in large chunks of money?

Joshua

Become a Patron of the show and gain access to future Q&A shows here: www.radicalpersonalfinance.com/patron

470-The Danger of a Financial Plan Built on Extremely Low Spending Projections Jul 20, 2017

Show notes

There's been an interesting switch in the world of personal finance wherein some people are building financial plans based on extremely low spending projections. In essence, some people assume that if they can live on an extremely low budget per year today, they can build a long-term financial plan predicated on maintaining that spending forever.

I think this is a dangerous assumption. And, in today's show, I explain why.

Joshua

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469-Friday Q&A: Is It Legit That You Can Find Missing Money That's Still Unclaimed, Should I Take Free Housing With a Longer Commute, How Do I Deal With Massive Medical Bills, Do I Need a Personal Insurance Agent, and What Three Books Would Joshua Take to Jul 13, 2017

Show notes

Welcome to another Friday Q&A Show! Today, we cover:

Is It Legit That You Can Find Missing Money That's Still Unclaimed
Should I Take Free Housing With a Longer Commute
How Do I Deal With Massive Medical Bills
Do I Need a Personal Insurance Agent
What Three Books Would Joshua Take to A Desert Island?

If you'd like to join me for a future Q&A show, become a Patron of the show at www.radicalpersonalfinance.com/patron

Joshua

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468-Friday Q&A: How does an LLC Protect My Liability and Help Me Save on Tax, How Can I Lower My Tax Bill on the Sale of My House Jul 07, 2017

Show notes

Friday Q&A is back! Today:

How does an LLC Protect My Liability and Help Me Save on Tax?
How Can I Lower My Tax Bill on the Sale of My House?

If you'd like to participate on a future show, sign up here! www.radicalpersonalfinance.com/patron

Joshua

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