Radical Personal Finance podcast

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Radical Personal Finance

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626-Friday Q&A: Capitalism vs. Communism, Umbrella Liability Insurance, Buying a House While in Debt, etc.1:08:47

14m ago1:08:47

1:08:47

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 ...…

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Radical Personal Finance

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625-Friday Q&A: Maximizing Business Value for a Sale, Preparing for a Meeting with an Estate Attorney, and More!58:32

3d ago58:32

58:32

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?…

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Radical Personal Finance

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624-The 5 Possible Future Scenarios (from Fantastic to Catastrophic) and How to Plan for Them11:30

7d ago11:30

11:30

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

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Radical Personal Finance

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623-Friday Q&A: Life Insurance, Protecting Money in Brokerage Accounts, Optimizing Taxes while Living in Bermuda, etc.1:40:07

10d ago1:40:07

1:40:07

2:00 - Life insurance advice for a recently married husband 6:15 - How can I make a back-door Roth contribution without being subject to the pro rata rule? 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 t ...…

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Radical Personal Finance

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622-Asset Protection Planning for Mere Mortals - Part 8 - Annuity Values and Annuity Payments Exemption Planning1:31:48

12d ago1:31:48

1:31:48

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

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Radical Personal Finance

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621-Friday Q&A: Investing in Distressed Mortgage Notes, CFA Credential, Roth 401(k) vs. Traditional, Privacy vs. Functionality56:05

17d ago56:05

56:05

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 ref ...…

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Radical Personal Finance

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Out & About: Interview for "In The Rabbit Hole" Podcast1:03:16

20d ago1:03:16

1:03:16

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 https://www.intherabbithole.com/e272/

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Radical Personal Finance

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620-Friday Q&A: Financial Planning for Newlyweds, 401(k)s Without a Match, 529 vs. Roth IRA for College Education1:30:14

23d ago1:30:14

1:30:14

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.…

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Radical Personal Finance

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619-Empathy and Personal Responsibility When Living Paycheck-to-Paycheck: Interview with the Cheap Bohemian57:46

25d ago57:46

57:46

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: https://twitter.com/cheapbohemian/status/1084581032375001089…

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Radical Personal Finance

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618-Reflections on the State of the USA From Two Travelers43:21

27d ago43:21

43:21

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 www.instagram.com/lifeoptedout

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Radical Personal Finance

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617-Friday Q&A: Giving Money to Poor People, Contributing My Salary to my Wife's 401(k), Protecting Investment Accounts, Buying Term Life Insurance while FI, etc!1:08:05

1M ago1:08:05

1:08:05

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 ...…

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Radical Personal Finance

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616-If Missing One Paycheck is a Problem For You, You're Behaving Stupidly44:11

1M ago44:11

44:11

Stop behaving stupidly with your money. NPR story: https://www.npr.org/2019/01/09/683519210/air-travelers-and-workers-may-feel-government-shutdown-effects SNL: Don't buy stuff you can't afford: https://youtu.be/Qb8hTzUoI54

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Radical Personal Finance

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615-How to Find an Excellent Wife: The Preparation58:59

1M ago58:59

58:59

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

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Radical Personal Finance

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614-End-of-The-Year Encouragement36:17

2M ago36:17

36:17

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

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Radical Personal Finance

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613-A Useful Question to Help You Get Better Advice from Experts12:24

2M ago12:24

12:24

Radical Personal Finance

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612-Q&A: Pay Off Debt or Invest, 529 Plan Optimization, Financial Planning Fees, Tax Issues, College Planning1:18:21

2M ago1:18:21

1:18:21

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 - ...…

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Radical Personal Finance

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611-Q&A on Dollar Cost Averaging, Roth IRAs for children, Bitcoin as an Asset Protection Tool, Getting into the Financial Planning Industry45:58

2M ago45:58

45:58

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 ...…

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Radical Personal Finance

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610-Friday Q&A: State Competition in Asset Protection Planning, Education, Financial Planning While Pregnant, Is Patreon a Good Funding Option, and More!1:36:34

2M ago1:36:34

1:36:34

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 - Ho ...…

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Radical Personal Finance

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609-Asset Protection Planning for Mere Mortals - Part 7 - Life Insurance Exemption Planning45:42

2M ago45:42

45:42

Radical Personal Finance

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608-Asset Protection Planning for Mere Mortals - Part 6 - Retirement Account Exemption Planning44:51

2M ago44:51

44:51

Radical Personal Finance

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607-The Only 3 Legitimate Reasons to Buy an RV (that I can come up with)39:36

2M ago39:36

39:36

Radical Personal Finance

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606-Asset Protection Planning for Mere Mortals - Part 5 - Homestead Exemption Planning36:07

2M ago36:07

36:07

Radical Personal Finance

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605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack44:50

3M ago44:50

44:50

605-Asset Protection Planning for Mere Mortals - Part 4 - Understanding the Litigation Process and Vectors of Financial Attack

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Radical Personal Finance

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604-Asset Protection Planning for Mere Mortals - Part 3 - What Is The Problem We're Protecting Against?59:10

3M ago59:10

59:10

Radical Personal Finance

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603-Friday Q&A: Healthcare Sharing Ministries and Their Maximum Limits, Health Savings Accounts, and What To Do With An Inheritance When You're in Debt45:49

3M ago45:49

45:49

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

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Radical Personal Finance

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602-Asset Protection Planning for Mere Mortals - Part 2 - The Morality and Legality of Asset Protection1:03:20

3M ago1:03:20

1:03:20

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 ...…

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Radical Personal Finance

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601-Asset Protection Planning for Mere Mortals - Part 135:45

3M ago35:45

35:45

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 d ...…

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Radical Personal Finance

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600-A Complete Answer to Whether You Should Pay off Debt or Invest40:56

3M ago40:56

40:56

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 www.radicalpersonalfinance.com/creditcardcourse

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Radical Personal Finance

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599-Appreciating Our Rich and Peaceful Lives in the Midst of Political Turmoil30:49

3M ago30:49

30:49

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 ...…

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Radical Personal Finance

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Underground History Lesson with John Taylor Gatto (2 of 2)3:27:35

3M ago3:27:35

3:27:35

Audio is pulled from: https://youtu.be/uj8f7ycnUtU

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Radical Personal Finance

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Underground History Lesson with John Tayor Gatto (1 of 2)2:19:25

3M ago2:19:25

2:19:25

Audio taken from: https://youtu.be/uj8f7ycnUtU

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Radical Personal Finance

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A Short Angry History of Modern Schooling by John Taylor Gatto1:03:24

3M ago1:03:24

1:03:24

Radical Personal Finance

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598-"I Quit, I Think" by John Taylor Gatto (1935-2018)26:46

3M ago26:46

26:46

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. https://www.educationrevolution.org/blog/i-quit-i-think/ https://fee.org/articles/john-taylor-gatto-1935-1918-remembering-americas-most-courageous-teache ...…

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Radical Personal Finance

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597-Debt-Freedom Leads to Career Freedom to Become a Financial Adviser: Interview with Matt Miner from Design Independence1:07:18

3M ago1:07:18

1:07:18

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 ...…

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Radical Personal Finance

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596-Building a Life Well Lived: "Observations on Turning 82"28:52

4M ago28:52

28:52

Original article: https://www.charliedaniels.com/soap-box?b_id=4382&pg=1

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Radical Personal Finance

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595-Credit Card Q&A: Getting Out of Debt, Paying off Student Loans, Using Cards for Business Inventory51:28

4M ago51:28

51:28

I missed several of my students' questions on the previous credit card Q&A show. So today, I wrap them up. Enjoy! Joshua Buy the course here: www.radicalpersonalfinance.com/creditcardcourse

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Radical Personal Finance

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594-Friday Q&A: If I Have No Credit Score (Because I Haven't Borrowed in >25 Years) Should I Start Building It43:39

4M ago43:39

43:39

It's Friday! That means it's Q&A time. Today we cover: If I have no credit (because I haven't borrowed money in >25 years) should I work on building my credit score? What has traveling like for Joshua and what are his plans for Radical Personal Finance. Joshua If you'd like to be on next week's Q&A call, sign up here: www.radicalpersonalfinance ...…

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Radical Personal Finance

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593-Lifestyles of the Frugal and Obscure45:05

4M ago45:05

45:05

The Lifestyles of the Rich and Famous might make good TV but it's the Lifestyles of the Frugal and Obscure that makes for wealthy people who keep their money. Joshua If you're interested in learning how to borrow money safely and never paying interest with credit cards, go buy my new course! www.radicalpersonalfinance.com/creditcardcourse…

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Radical Personal Finance

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592-Widowed With 12 Children and No Life Insurance! One Woman's Story.1:13:45

4M ago1:13:45

1:13:45

What do you think would happen to a mother of 12 who was widowed at a fairly young age and whose husband didn't have any life insurance? Could she survive? If so, how? Today, I want to share with you the story of a friend of mine who went through that precise circumstance. I hope you enjoy it! Joshua…

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Radical Personal Finance

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591-Friday Q&A (Credit Card Edition): New Cards, Refinancing Mortgages, and Credit Freezes49:09

4M ago49:09

49:09

Today we tackle: How do I get new credit cards when I've already maxed out my limits? Should I refinance my mortgage over onto my credit cards so I can drop Private Mortgage Insurance? How should I handle a credit freeze on my accounts? Remember, go buy the credit card course this weekend. It's at www.radicalpersonalfinance.com/creditcardcourse ...…

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Radical Personal Finance

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590-Who Should Never Have a Credit Card?24:31

4M ago24:31

24:31

There are people who should never, ever, have a credit card. And of course they shouldn't buy my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." But, everyone else should buy it. Go here: www.radicalpersonalfinance.com/creditcardcourse Save $10 with promo code: CREDITCARDTEN Joshua…

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Radical Personal Finance

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589-How to Manage Cash While You Pay Off Your Credit Cards12:05

4M ago12:05

12:05

Credit Cards can be really useful. But contrary to popular opinion, they're not the most useful when you're broke. They're more useful when you have a little cash. Enjoy this excerpt from my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." And then go buy it here: www.radicalpersonalfinance.com/creditcardcourse ...…

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Radical Personal Finance

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588-Credit Card Loans Can Provide a Way to Privately Purchase Goods and Services11:15

4M ago11:15

11:15

One of the most under-appreciated aspects of credit cards is the significant privacy they can afford you. Listen to the show for details. Remember, please sign up for my new credit card course: www.radicalpersonalfinance.com/creditcardcourse Use coupon code "CREDITCARDTEN" to save $10 off the price. (Good until 10/15/18.) Thank you! Joshua…

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Radical Personal Finance

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587-Credit Card Debt Is A Very Safe Form of Debt24:22

4M ago24:22

24:22

One of the most useful aspects of credit cards is how safe the debt is when compared to other forms of debt. Enjoy this excerpt from my brand new course called "How to Borrow Money Safely and Never Pay Interest Using Credit Cards." The course is now available for you to buy. Go here: www.radicalpersonalfinance.com/creditcardcourse Use the coupo ...…

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Radical Personal Finance

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586-Friday Q&A (Credit Card Edition): Should I Close My Old Credit Cards Before Applying for a Mortgage, How Should I Refinance my Business Credit Card, How Can I Use My Credit Cards Privately, How Do ...1:23:19

4M ago1:23:19

1:23:19

Today, we do a special (and really good) live Q&A exclusively on the topic of credit cards. We cover: Should I Close My Old Credit Cards Before Applying for a Mortgage? How Should I Refinance my Business Credit Card? How Can I Use My Credit Cards Privately? How Do I Pay Off My Credit Card Debt as a Newlywed?…

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Radical Personal Finance

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585-Credit Cards Are An Incredible Tool (an introduction)41:17

4M ago41:17

41:17

Radical Personal Finance

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584-When Hurricane Katrina Came Through Town1:19:08

5M ago1:19:08

1:19:08

Hurricane Katrina taught us a huge number of important lessons. In today's show, we listen to the account of a survivor. Forum thread: https://www.zombiehunters.org/forum/viewtopic.php?f=32&t=16627

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Radical Personal Finance

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583-Mega Friday Q&A: (two days early) Richest Man in Babylon, Children and F.I., Invest All at Once, Preparing for Marriage, What's Next, Etc!2:07:46

5M ago2:07:46

2:07:46

Today we have a mega, 2-hour Q&A show. We cover a bunch of really interesting questions: How Do We Follow the Guidelines from The Richest Man in Babylon? I've Reached F.I. Now How Can I Help Children Do the Same? Should I Invest My Cash All At Once or Over Time? How Do I Prepare My Finances for Marriage? We're Out of Debt and Have Money In the ...…

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Radical Personal Finance

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582-Friday Q&A: Getting Health Insurance after Divorce, Opportunities When Moving Cross-Country, Should I Keep My House in New Orleans as a Rental House, How Can My Father Buy a House for My Benefit,56:44

5M ago56:44

56:44

Friday Q&A: Getting Health Insurance after Divorce Opportunities When Moving Cross-Country Should I Keep My House in New Orleans as a Rental House How Can My Father Buy a House for My Benefit

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Radical Personal Finance

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581-Understanding Why Money Doesn't Work Sometimes (OR, Understanding Just-In-Time Inventory Management)30:22

5M ago30:22

30:22

Audio was from: https://www.intherabbithole.com/e257/