December 12, 2019
When you set a goal, you've got to count the cost; the financial cost and the opportunity cost. Counting the cost may be enough to show you the path forward. Joshua
December 6, 2019
It's a live Q&A show today! We cover: 1:30 - How can I build career confidence and skills when I don't have much time? 30:15 - I just got married; what is good advice for buying a house? 41:35 - How can I make sure that my 401(k) money is safe in case of recession? 54:15 - How can I invest into my local community? 1:12:45 - Should investors pay 1% to hire a financial advisor?
December 3, 2019
Dig deep—really deep—into the "Why" behind your financial goals. Joshua
December 2, 2019
A new decade is dawning and my hope is that this decade be the best one yet! But if you're going to tackle this decade proactively, you'll need to begin by dreaming a bit about what you'd like to accomplish this coming decade. Let's get started, Joshua REMEMBER: save 50% on all my courses until midnight tonight using code CYBER50 at
November 30, 2019
On today's show we veer away from financial independence and into living well today with a discussion of the Ketogenic diet. I've invited Jack Spirko, host of The Survival Podcast on today's show to discuss his recent weightloss journey. He has lost a significant amount of body fat in a short period of time and together we share ideas, tips, and experiences to help you achieve fat loss as well. Enjoy! Joshua
November 29, 2019
Over the last 5 months or so I've lost over 50 pounds of fat. This fat loss has significantly improved the rich quality of my life. I'd like to share a few words of experience and encouragement with you to help you on your own fat loss journey. Joshua p.s., remember code "CYBER50" saves you 50% off all my courses through Monday at
November 29, 2019
I'm hosting a 50% off sale on all my courses this weekend only. Use coupon code "CYBER50" at before midnight Monday. I'm also offering a 30% discount on private consulting work booked by Monday. Email me at before midnight Monday to book a consulting call. Enjoy the savings! Joshua
November 27, 2019
Don't be so future-focused that you miss the lessons and joy of today's trials. Joshua
November 7, 2019
Today's guest recently had extensive shoulder surgery done and he saved thousands by choosing to have the surgery in Mexico rather than the USA. We discuss the details of his experience as well as his personal financial independence success story. Enjoy! Joshua
November 1, 2019
Today, we do Friday Q&A: 00:00 Should I quit my job while I look for a business to buy or wait until I find one? 13:00 How should I go about becoming a minority partner in a business? 26:28 What is the best way for my dad to give me a rental property he doesn't want anymore? 41:00 Should I refinance from a 15-year mortgage to a 30-year mortgage? (And how can I progress in my career?) 1:00:17 Should I sell my stocks in anticipation of a market decline? Enjoy! Joshua
October 25, 2019
On today's Friday Q&A, we cover: 1:45 The value of a sabbatical 17:45 Homeschooling vs. private schools 46:30 Modern Portfolio Theory Enjoy! Joshua If you'd like my recommended reading list for financial freedom, go to
October 17, 2019
In light of the previous show, I've received many questions about scanning all my books. Here's a replay of the show where I explain what I've done and why. Joshua
October 9, 2019
Reading can provide you with all of the knowledge you need to crush some very large goals in a very short time. But you need to know how to read effectively. Today, I teach you how. Joshua Get my recommended reading list here:
October 3, 2019
Listen to the show. Joshua
September 30, 2019
If you were discharged from the military for cocaine use, would you be able to seamlessly move into a $600,000/year job? If not, you should consider building your influence a bit more! In today's show I'll give you some ideas to help you develop this influence. Joshua
September 25, 2019
Can you imagine starting a business when you've been laid off from a job and you have many young children in the house? My guest today, Tim Schmoyer, has done just that. And he has prospered through the process. Joshua
September 21, 2019
1:00 Would you like to come to a 3-day seminar with fellow listeners? 10:11 How can I prepare for healthcare risk? 24:50 How do I calculate the financial costs/benefits of moving states? 35:30 How do I help my parents who don’t have much money build a retirement plan? 53:05 How can I market my physical product? 1:06:45 Should I use whole life insurance as the cash component of
September 18, 2019
My guest on today's show moved from India to the USA as a young man. Starting with no money, he became financially independent in about 12 years. In today's interview we dig into the strategies and tactics that worked for him. Enjoy! Joshua John's website:
September 16, 2019
In today's show, I have a special story for you of how my friend Anatole built a great life for himself, even though everyone hated him. Enjoy! Joshua
September 12, 2019
Today, we finish out the 3-part series on preparing for layoffs in the coming recession. Today's show will be useful to you, even if you just got notice of your layoff and didn't do anything to prepare for it beforehand. The major theme of today's show is that you need to take appropriate action with appropriate speed. If you're stuck with little savings and no preparation, that means take massive action, now! If you've planned a bit better in advance, it means be strategic and thoughtful. We discuss: The impact of self-confidence on your job hunt. The importance of having work now and not being unemployed for a long time. How to take massive action on your job hunt for quicker results. What types of approaches are most successful for job hunters. Some radical strategies you can plan for that will enable you to simply wait out and enjoy the recession instead of being stressed by it! Enjoy! Joshua Many If Not Most Employers Hunt for Job-Hunters in the Exact Opposite Way from How Most Job-Hunters Hunt for Them
September 10, 2019
Yesterday, we talked about ways to avoid losing your job in the coming recession. But obviously there are factors beyond your control which might result in your being laid off, even though you've done everything "right." So, you need a backup plan. Don't wait and wonder what you'll do. Make a simple plan now for what you'll do. Think about some different scenarios and play some mental games with yourself. That way, you'll be able to better respond to events instead of being shell-shocked by them. Today's show covers: The importance of planning to avoid emotional stress when you get laid off. The direct impact of losing your income and how to plan for it. The impact that losing your group benefits can have on your financial life. Why you should consider establishing lines of credit before you need them. How you can stockpile both money and the simple necessities of life. The simple things you can do that will make it much easier to get your next job. The importance of proactively building and maintaining a network. How thinking like a consultant will help you now and help you later. Enjoy! Joshua The Queen of Versailles Living On Our Food Storage: One Family's Experience Of Living Without Income For A Year
September 5, 2019
Originally released May 13, 2015. And just as important today. ------------------------------------------- For most of us, our jobs are the economic engine that drive every aspect of our financial plan. One of the worst things that can happen is to lose a job. If the engine on your car dies, you're going to be stuck by the side of the road for a while. That's not pleasant for anyone, even if you're stuck in a safe area. But, if you're driving up a mountain (paying off debt and digging yourself out of a hole), having your engine die can be disastrous. And, if you have a destination in mind (financial independence), losing the engine in your car will at least delay you from reaching your destination. So, the key is plan in advance to not lose the engine. Make sure you're doing the things you need to be doing now to avoid being laid off. Obviously, you can't guarantee that you'll never be laid off, but you can do a lot to improve your possibilities! On today's show, we cover: The need to proactively improve your position within your company, your company's position within the industry, and your industry's overall prospects in advance. Some ways to know if you've got a big target on your back or a small target on your back with the HR people are figuring out who to cut. The importance of competing with your fellow employees and of collaborating and cooperating with them and why both are valuable. Ways to stand out and produce up to 4x the output of your fellow employees. Enjoy the show! Joshua   Business Insider: 13 Things Everyone Does At Work That They Don't Want Bosses To Know About Federal Reserve: Average Annual Hours Worked by Persons Engaged for United States  
September 3, 2019
It's official: the Yield Curve on US Debt is inverted. That's a pretty good indicator that recession is in our future. So, today I want to tell you how to prepare for the coming recession. Enjoy! And do. Joshua
August 30, 2019
1:30 How does Joshua use YNAB on a daily basis? 17:30 How has the pursuit of privacy cost you? 30:30 Should I have kept my inherited property as separate property instead of community property? 43:00 How can I get started prepping?
August 29, 2019
I'd like to invite you to meet up with me on Tuesday, September 3 in Washington, DC, USA. If you'd like to connect, please email me and I'll give you all the details. Email me: joshua at radical personal finance dot com. Joshua
August 28, 2019
It seems like many of the prominent voices in the FIRE movement are single individuals or childless couples. But many of us have children or want to have children. Does that mean that we will fail in our attempts to become Financially Independent? Are you doomed to choose between FIRE or children? Today, I'll give you my answers. (Spoiler: you can FIRE and have children too!) Joshua
August 22, 2019
We live in interesting times. It seems that most of us could list off several things that our government does with our tax money that we find offensive. But how should Christians deal with the morality of having their tax money used to support immoral activity? Should Christians participate in tax strikes and tax protests? Joshua
August 20, 2019
A listener wrote in and essentially asked, "Why is Joshua so anti-tax?" So, I thought I'd give that question a crack for you. Joshua
August 16, 2019
I'd like to invite you to a public Radical Personal Finance meetup that I'm hosting this Thursday evening, August 22, 2019 in Toronto, Canada. Instructions: email me using the address Joshua at Radical Personal Finance dot com and I will respond with the specific details of where and when. Hope to see you soon! Joshua
August 14, 2019
I want you to use more cash so you can get richer, faster. Joshua
August 12, 2019
I want you to understand the basic problem with debt so that you'll be prepared to avoid it. Joshua
August 7, 2019
I've talked a lot about education over the this episode I'll tell you what we're doing with our children and talk about some philosophies that have been influential on me. And I'll tell you what I got wrong in the past. Joshua
August 5, 2019
There is a natural symbiosis between prepping and mainstream financial planning. Here's why. Joshua
July 31, 2019
A key to life change is behavior modification. And mental money games can help you get there. Joshua
July 29, 2019
Ask your average financial advisor how to invest for your children's future and he'll likely start pulling out brochures for a 529 plan. B-O-O-O-O-R-I-N-G!!! Is there anything wrong with a 529 plan? No. But is that really the most effective use of your money? Only if you don't have any better ideas. So let me give you some to ponder! Here are 12 Much More Interesting™️ Ways to Invest In Your Children! Joshua
July 17, 2019
Today we discuss Qualified Opportunity Zones, a legitimately new way for you to potentially save on capital gains taxes. Joshua Map of designated opportunity zones:
July 15, 2019
There is an important piece of legislation that has passed the House of Representatives and is being considered in the Senate. It's technically known as H.R. 1994 "Setting Every Community Up for Retirement Enhancement Act of 2019." It has some changes that are potentially helpful to you; and some that may destroy the value of your qualified accounts. Joshua
July 10, 2019
How do you balance the Costs of Living with your Quality of Life when you're thinking about moving out of your home country? Let's discuss! Joshua
July 5, 2019
In order to build wealth over your lifetime you need to #InvestWisely. But, how? How do you do it? What should you invest in? Today, we discuss that question with an active hedge fund manager named John Medford. He and his team manage a large fund with an impressive record. And, in this episode, we discuss why you probably shouldn't bother to try competing with him. Joshua
July 2, 2019
I think a pop up tent camper is an ideal compromise for family vacation travel. In this show, I tell you why. Joshua
June 28, 2019
1:30 What is the fiscal future of the USA in light of the Democratic candidates' debate this week? 19:12 How could I do financial coaching for the not-yet-wealthy? 35:20 What are the benefits of international living? 41:15 Should I be a dividend investor or index fund investor? And how can I simultaneously be a moral investor? 1:15:45 Should I quit my job because I can? 1:33:30 How could I invest differently than just real estate and mutual funds?
June 27, 2019
A month or so ago, I raised money from the listeners of RPF with the goal of helping with the crisis in Venezuela. We ended up raising about $11,000 from the audience, which I converted to cash and sent it in to help. In this audio, we give you a report of what we did with the money and talk a bit about the current situation in Venezuela. PO Box 11002 Riviera Beach, FL 33419
June 21, 2019
Friday Q&A today! 1:54 Should I sell my cryptocurrency to pay off my IRS debt? 10:30 How should I readjust my investments to plan for future economic uncertainty? 26:09 How should I think through my finances in the midst of possible divorce? 59:46 What do I need to do with my US-based investments while I move to Spain? 1:08:00 My wife and I are having a baby and are interested in birth tourism. How should we analyze the possibilities? Enjoy! Joshua
June 21, 2019
If you care about asset protection planning, there's hardly any reason for you to own an asset in your own name. So, you'll have to get used to titling asset in slightly different ways. Today, I teach you why and how. Joshua
June 17, 2019
When I ask people about their goals, about 80% of people tell me they want to travel when they retire. And yet, very few people actually follow through and travel! Why? Of course there could be many reasons. But if the cost of traveling is keeping you at home, I want to help you. In today's show, I'll share with you some ideas and strategies to travel the world on the cheap. Enjoy! Joshua
May 29, 2019
In today's show, I'm going to teach you how an average guy can build a $165,000,000 estate by choosing not to retire. And I'll tell you a bunch of reasons why that would be great for you to plan for (even though you're simultaneously working towards financial independence in 10 years or less). Enjoy! Joshua
May 27, 2019
This is one of the most important questions you can think about. And don't be scared to change your answers as you learn and grow. Joshua
May 20, 2019
A listener has a car with a blown transmission and is trying to decide whether to repair it or replace it. Here's my advice! Joshua
May 10, 2019
It's Friday! Today, we discuss: Taking the Foreign Earned Income Exclusion How Should You Think About FIREing Yourself From A Big-Money Job Joshua
May 8, 2019
Here's the link: Read the conversation and form your own opinions. Joshua
May 6, 2019
Today, I tell you the story of the Accidental Millionaire and a few lessons for both of us. Enjoy! Joshua
May 3, 2019
It's Friday! Today we discuss: International healthcare options Avoiding wealth taxes Second passports for children And more! Joshua
April 23, 2019
Wages provide you with the financial fuel you need to build wealth. So it absolutely stinks when those wages are sucked up by your creditors in wage garnishments. So how can you protect your wages and keep them for yourself? That's what we discuss today!
April 19, 2019
Marriage can be one of the biggest blessings to your life, resulting in greater happiness, better health, a higher income, and more wealth. Marriage can also be one of the greatest curses you can experience and it can devastate your emotional state, your physical health, your career, and your wealth. So, you need to choose wisely.
April 9, 2019
If you're a US citizen who earns $500,000 or more, who is not willing to renounce your US citizenship, and who is involved in business and investing, you should seriously consider moving to Puerto Rico.
April 5, 2019
1:20 How can I effectively move from New York to Florida in order to end my tax residency? 17:20 What should I do with the life insurance I'm offered at work? 23:00 How do you advise someone to develop an overarching investment philosophy? 48:05 Should I put money into a 529 plan for my not-yet-conceived children?
April 3, 2019
Today, I'll teach you how a 25-year-old $100,000-earner could increase their estate by $90,000,000 by simply moving outside of the United States.
April 1, 2019
One of the most effective things you can do when trying to figure out how to build wealth is to find ways to save big money. Fast. And since Americans collectively spend more on taxes than housing, food, and clothing—combined—you should start by trying to save money on taxes. Today, I give you my case for why you should consider moving to a No-Income-Tax state. Enjoy! Joshua
March 25, 2019
Today, we continue our Asset Protection Planning series with a deep look at the Personal Property Exemptions. -Check out my newest course!
March 21, 2019
As I recently finished my course on "How to Survive and Thrive During the Coming Economic Crisis," I was struck with how simple and feasible the individual solutions are, while how utterly impossible and difficult the collective solutions are. Choose success and happiness by focusing on the individual solutions you can put in place in your own life. Joshua p.s., If you haven't yet, go check out my newest course!
March 8, 2019
1:20 Should I change my whole life insurance policy because my income is going down? 18:40 Why do you think Walmart has done more good for poor people than any non-profit organization? 30:00 How should I adjust my asset allocation now that I'm retiring? 42:40 Should I pay off my mortgage on my retirement house? 49:15 Where should I keep my medium-term savings? 52:00 How can I include real estate in my Permanent Portfolio? 58:00 How can I invest in the people in my community?
March 7, 2019
Yesterday, I released to you a discussion on the Federal Debt in the United States. That show should be your introduction to this problem. But in thinking about it, I felt like it was incomplete. I wanted to present some useful materials, in audio format, for listeners who don't have a firm background in the fundamentals of the problem. So I decided to go in-depth. This show is deep and difficult. If you're trying to understand the underlying, structural problems more clearly, listen to the show.
March 6, 2019
We face a massive problem in the United States right now. Put simply: -We are borrowing more money than ever before. -There's no plan for us to borrow less money in the future. -There's no plan that can be created to have us borrow less money in the future. -No major, national politician is loudly, consistently talking about how we can spend/borrow less money. -Rather, there are loud, vigorous, and strengthening forces moving in the direction of borrowing even more money.
February 18, 2019
Today, we continue the Asset Protection series with an in-depth look at health and education accounts. Specifically, we cover: Health Savings Accounts / Medical Savings Accounts Flexible Spending Accounts Health Reimbursement Arrangements Qualified Tuition Programs (529 Plans) Coverdell Educational Savings Accounts UTMA / UGMA accounts
February 15, 2019
1:45 - Is it moral to support the current capitalist system of economics? 32:20 - How can I figure out how much umbrella liability insurance to purchase? 39:00 - Does having a higher umbrella liability insurance policy make you the target of a lawsuit? 46:05 - I want to buy a house but I'm in the middle of paying off debt (on Dave Ramsey's Baby Steps plan). Should I pay off the debt first?
February 8, 2019
1:00 - Should I roll my 401(k) over to my new job or into an IRA? 11:30 - How should I prepare for a meeting with an estate planning attorney? 17:55 - How should I decide to indulge myself with a luxury expense? 35:45 - Life insurance advice for a newlywed couple. 48:05 - How can I maximize the value of my business for sale?
February 4, 2019
The future will be one of the following: 1. Same as now or better 2. Similar to a recession 3. Similar to a depression 4. Similar to mad max 5. Void of humans due to asteroid hitting earth or similar calamity
February 1, 2019
2:00 - Life insurance advice for a recently married husband 11:35 - How can I protect the money in my taxable brokerage accounts? 20:50 - How can I optimize my tax situation as an expat living in Bermuda? 47:20 - I live in China and am returning to the USA. What should I do with my money? 50:25 - How should I balance paying off debt with real estate investment? 1:03:05 - How can I invest for my 15-month old daughter?
January 30, 2019
In this episode of the Asset Protection Series, we do a deep-dive into annuities. Entry-level stuff at the beginning and some extra, hard-core bonuses at the end. Joshua
January 25, 2019
1:20 - How Can I Invest in Distressed Mortgage Notes Inside my Roth IRA? 8:05 - Should I Pursue a Chartered Financial Analyst Credential for My Own Investment Knowledge? 17:00 - Should I Contribute More Money to a Roth 401(k) than a Traditional 401(k)? 38:15 - How can I Balance Personal Privacy and Functionality in Building My Business? For reference to any time-dated commentary, this show was recorded on 12/21/2018.
January 22, 2019
This is a recording of an interview I gave for "In The Rabbit Hole." ITRH: E272: The Truth About Money and Preparedness Originally published: November 12, 2018
January 20, 2019
1:25 - I just got married. What financial planning should I do now? 39:35 - My employer offers a 401(k) with no match. Should I participate? 55:35 - How can I save for my child's college education with a 529 plan or with a Roth IRA? For reference to any time-dated commentary, this show was recorded on 12/20/2018.
January 17, 2019
In Episode 616, I argued the point that if missing one paycheck is a problem for you, you're behaving stupidly. My guest on today's show took umbrage with my commentary on Twitter. So invited her on to discuss! Enjoy, Joshua Here's @CheapBohemian's Twitter thread:
January 15, 2019
Chris Moody and I have both spent the last 6 months traveling the width and breadth of the United States with an eye toward understanding the current moment. In this podcast, we discuss our findings. Life Opted Out 
January 11, 2019
1:45 - How can I give nice gift to people who are poorer than I am without creating a power imbalance? 15:20 - Can I contribute my salary into a 401(k) plan for my wife in order to maximize our retirement account contributions? 28:05 - How can I protect my non-qualified investment accounts that are exposed to the claims of creditors? 44:30 - I don't "need" term life insurance because I'm financially independent. Should I still buy some? ...
January 9, 2019
Stop behaving stupidly with your money. NPR story: SNL: Don't buy stuff you can't afford:
January 8, 2019
Today, I share my advice for young men on how they can find an excellent wife. In short, you must become an excellent man. That's the task. Here are some ideas on how. Joshua
December 21, 2018
Just a few thoughts to encourage you as we shut down for the Christmas break. May you have an opportunity to be encouraged and to encourage another person who is close to you. Your voice matters. Love you, Joshua
December 18, 2018
2:00 - Should we pay off our mortgage or invest? 9:50 - Should I put more money into one of my child's 529 plans in order to help them on their financial aid calculations? 18:30 - Should a retiree in her 60s pay 1.7% as a financial planning fee? 47:20 - How should we unravel the tax situation for a house that I live in but don't own? 1:13:00 - What college financial planning organization should I choose?
December 17, 2018
1:30-Should I dollar cost average into my Roth IRA or wait for a market downturn? 6:00-How can I get money to my child so they can make a Roth IRA contribution? 21:30-Can I do good asset protection by transferring all my money into a secret Bitcoin wallet that's kept completely offline? 34:00-Can I become a financial planner without pursuing it full-time?
December 14, 2018
2:45 - If you move from one state to another, do you have to start all over with your asset protection plan? 15:30 - How frequently does a state change its laws that relate to asset protection planning? 21:30 - What is the interplay between Federal regulations and State regulations? 23:35 - Is a 403(b) protected the same as a 401(k)? 25:30 - How have Joshua’s views on education changed in the last four years? 36:30 - What specific inspirational resources would Joshua recommend on the topic of education? 43:20 - How do you set financial priorities when you’re expecting a baby? 51:15 - How do you plan when you have a highly fluctuating income? 1:00:15 - How do you balance having a stockpile of cash while looking at big personal lifestyle expenses? 1:04:35 - Is Patreon a good option to monetize your website? 1:24:00 - Should our company add a Health Savings Account or Christian Healthcare Sharing Ministry option to our health plan?
November 28, 2018
605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack
November 16, 2018
It's Friday! That means live Q&A: Healthcare Sharing Ministries and Their Maximum Limits Health Savings Accounts and HCSMs What To Do With An Inheritance When You're in Debt Enjoy! Joshua  
November 15, 2018
In this episode of the podcast we tackle these two questions: Is it legal to engage in asset protection planning? Is it moral to engage in asset protection planning? Short answer? Yes and yes. If that's enough for you, just skip listening to this episode. But if you'd like a bit more texture to the discussion, enjoy the podcast for a discussion of the legality and morality of asset protection planning. Joshua
November 13, 2018
I love the topic of asset protection planning. It's super interesting to me. But my observation is, like most topics, people involved in the business talk about what they can sell. The lawyers talk about corporations and trusts because they sell them. The insurance agents talk about life insurance and annuities because they sell them. Since I don't sell that stuff, I think about you and what I think can help you. And in today's show, I want to give you a simple starting place: think about your assets and think about the risk you're trying to protect them from. Then make your plans. Details in the show. Joshua Learn how to borrow money that's unsecured by any collateral. (This is good for you if you ever default.) Sign up for my course:  
November 8, 2018
Here's the complete answer that you need to know if you should pay off debt or invest. Sign up for my Credit Card Course: How to Borrow Money Safely and Never Pay Interest Using Credit Cards
November 6, 2018
As many U.S. Americans engage in vigorous political debate today and follow with their vote, I want to share a story with you that I hope will help you to appreciate the richness of political peace. Not everyone in the world has it as good as you and I have it. But, as we vigorously debate political issues, it's easy to miss the blessing of the underlying framework of peace and prosperity that we enjoy. Enjoy this personal story. Joshua
November 3, 2018
Audio is pulled from:
November 2, 2018
Audio taken from:  
November 1, 2018
John Taylor Gatto has died. My voice has also died. So rather than leaving you bereft of new shows, I decided to share a few Gatto files to encourage you to invest your education dollars well.
October 30, 2018
On this episode we welcome Matt Miner back to the show. Matt previously came on the show to discuss whether going back to graduate school is a good financial move. Since that interview, Matt left his corporate job and became a financial advisor! In this interview we explore two themes: How good financial planning and preparation enables a move to a better career fit. This is an important component of a progressive plan towards financial freedom. How a personal finance aficionado can make a move towards working as a financial advisor without sacrificing their integrity. Enjoy! Joshua Matt's first interview on RPF: Matt's PF blog:  Matt's financial advisor site:
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