Radical Personal Finance

Latest Episodes:

417-Friday Q&A: 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? Jan 20, 2017

Show notes

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

416-Radical Lifestyle Stories: How Bill Enjoyed a Career of Travel and Adventure and Still Retired at Age 42 Jan 19, 2017

Show notes

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

415-Invest in Your Personal Safety: It's Cheap to Do and the Payoff Can Be Massive Jan 18, 2017

Show notes

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

414-Radical Lifestyle Stories: How This Man Gave Up a Modern Life to Build an Off-Grid House, Farm, and Business Making Handcrafted Pine Coffins! Interview with Don Byrne from Piedmont Pine Coffins Jan 17, 2017

Show notes

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

413-Why Wait Until You're F.I. to Live Like You're F.I.? My Speech at Camp Mustache SE 2017 Jan 16, 2017

Show notes

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

412-Friday Q&A: 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? Jan 13, 2017

Show notes

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

411-New Year Homework: How to Check, Monitor, and Freeze Your Credit Score for Free Jan 12, 2017

Show notes

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

410-Dow 20,000? What Does it Mean and What Should You Do About It? Jan 11, 2017

Show notes

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

409-How to Get Yourself Put 6 Feet Under Dirt Cheap! Jan 10, 2017

Show notes

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

408-Budget Categories for the New Year that Actually Matter Jan 09, 2017

Show notes

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
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Support RPF on Patreon! www.radicalpersonalfinance.com/patron

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