Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
Joshua J Sheats Msfs Cfp Clu Chfc Casl Cap Rhu Rebc Certified Financial Planner Advisor
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Radical Personal Finance
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Friday Q&A: Retirement Accounts for Americans Abroad, Whole Life Insurance, Rental Property Furnishings, Giving Appreciated Assets to Charity, etc.
1:37:59
1:37:59
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It's Friday! Live Q&A today: 2:00 Questions on retirement account contribution for US Americans living abroad. 19:48 Should I dump my whole life insurance policy? 35:21 What are the rules on the disposition of stuff for my rental property? 45:21 Should I make big year-end contributions to my retirement accounts? 51:00 I just got laid off. What do I…
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Radical Personal Finance
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My 2021 Commitment: To Live Richly, Not Frugally
48:39
48:39
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In 2021, I resolve to spend more money and not to engage in extreme savings. Here's why! Joshua Book a consult with me: https://radicalpersonalfinance.com/consult
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Radical Personal Finance
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How to End a Year and Plan a Better One, Part 3: Plan
42:13
42:13
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Radical Personal Finance
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How to End a Year and Plan a Better One, Part 2: Dream
1:05:37
1:05:37
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1:05:37
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Radical Personal Finance
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Friday Q&A: Scaling Biz, 401(k) Rollovers, $600k Inheritance, Leaving a Corporate Job Faster, Moving Money Offshore
2:21:36
2:21:36
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2:21:36
Friday Q&A today: 2:10 - Free resource for end-of-the-year planning: www.yearcompass.com 3:00 - How aggressive should I be in scaling up my real estate company? 22:15 - Should I rollover my 401(k) and 403(b) to an IRA 35:30 - Should I put my child into kindergarten at an early age? 43:44 - Should I deduct my early stage business expenses now or lat…
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Radical Personal Finance
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How to End a Year and Plan a Better One, Part 1: Reflect
50:20
50:20
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Short message today to announce my Black Friday sale and to say thank you. You can save 55% on all of my courses at https://radicalpersonalfinance.com/store by using Coupon Code BLACKFRIDAY2020. (Sale ends Tuesday, December 1) You can save 25% on a private consulting call at https://radicalpersonalfinance.com/consult…
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Radical Personal Finance
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Friday Q&A: Cryptocurrency, Guaranteed Income for Early Retirement, Tax for Nomads, Investing in Children, Biblically Responsible Investing, Welfare, etc.
1:58:29
1:58:29
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Live Friday Q&A today! 1:45 The future of cryptocurrency and associated tax questions 24:48 Should an early retiree set up a guaranteed income stream? 37:18 Will I owe tax if I’m moving around working as a digital nomad? 45:52 How can I invest in my children without messing up my simple cashflow system? 56:58 Should I invest in a Biblically Respons…
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Radical Personal Finance
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How to Leave a Bad Government When Your Guy Loses the Election
1:51:14
1:51:14
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1:51:14
Whenever we get into the throes of a hotly contested election, people threaten to leave if their preferred candidate loses. Most don't ever leave, of course. But should they? I'm not sure they should leave. Leaving is a drastic step and response. But I'm sure that most people should prepare to leave. Or make a plan to leave. And today I'll share wi…
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Radical Personal Finance
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394-On Voting, Elections, & Presidential Politics: 10 Things You Can Do That Will Actually Make a Difference in Your Life and Community (aka, Joshua's Antidote to Your Election Fever)
1:05:14
1:05:14
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1:05:14
Note: This show was originally released on November 7, 2016. It's every bit as relevant today, November 2, 2020 as it was on that date. Listen to it afresh today with four years of hindsight. ------------------------------------------- In case you haven't heard, this Presidential election is the most important one in your lifetime. And, it will ret…
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Radical Personal Finance
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Out & About: Emergency Fund Planning, Credit Cards, and Disability Insurance: Joshua's Appearance on the Life Meets Money Podcast
1:54:45
1:54:45
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Today I share with you a recent interview I gave for the Life Meets Money podcast with Matt Miner. Matt Miner has been on Radical Personal Finance several times and this was a fantastic interview! We discussed lifestyle design, risk and emergency planning, insurance, prepping, etc. in great detail. Enjoy! Joshua This show was originally posted on t…
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Radical Personal Finance
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Friday Q&A: Inherited Real Estate Taxes, Placeholder Annuities, Teaching Children about Money, etc.
1:56:37
1:56:37
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1:56:37
It's Friday! Today we tackle: 1:30 Tax issues on inherited real estate + a healthy retirement 19:40 Should I buy a placeholder annuity so I get today’s mortality rates? 33:27 What opinions on teaching children about money has Joshua changed over the years? 47:00 Should I build a business in financial coaching? 1:16:45 I want to get into financial p…
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Radical Personal Finance
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How to Invest in Commodities in a Radical Way (Metals, Tools, Food, Alcohol, etc.) | Interview with Steven Harris
2:32:25
2:32:25
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In today's show I'm welcoming Steven Harris back to the show to discuss investing in commodities. When most people think of investing in commodities, they immediately think of gold and silver. Gold and silver have a place and can be useful, but they are not the only pathway to investing in commodities. In today's show Steven and I discuss how you c…
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Radical Personal Finance
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Friday Q&A: Financial Privacy, Disability Insurance, Dealing with Insurance Agents, Land Contracts
1:03:37
1:03:37
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It's Friday! In today's Q&A show we cover: 1:50 Buying disability insurance and maintaining financial privacy while dealing with insurance agents 40:30 Buying a house with a land contract Enjoy! Joshua
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Radical Personal Finance
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Friday Q&A: What to Do after Graduation, Speculating in Stocks, Concealed Carry Insurance, Asset Protection for Real Estate
1:20:30
1:20:30
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On today's Q&A call we cover: 00:45 I graduate with a nursing degree in 6 months. What should I do next? 20:20 Should I have speculated in the recent stock market downturn with my down payment money? 38:30 I have 3 properties. Do I need an LLC for asset protection? 57:30 Should I buy concealed carry insurance? To join next week's call, go to https:…
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Radical Personal Finance
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How I Taught My Children to Speak Fluent Spanish in One Year With No Teachers, No Classes, and No Playmates or Spanish-Speaking Friends
1:19:33
1:19:33
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One year ago my wife and I decided to teach our children Spanish. At the time, they spoke zero Spanish. We succeeded in the project even though: They don't go to a Spanish-speaking school They don't have any Spanish-speaking friends They've not taken and Spanish classes They don't have anybody speaking Spanish to them full-time In this episode, I'l…
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Radical Personal Finance
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Friday Q&A: Lifestyle Biz for Efficient Taxation, Sales Jobs, Asset Protection, Buying a More Expensive House, etc.
1:47:48
1:47:48
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On today's Friday Q&A call we discuss: 00:45 I’m inspired by Trump’s taxes. How can I start a lifestyle business for myself? 32:10 What kind of sales job should I get? 49:00 How can I protect my assets in Montana? 1:00:42 Should I buy a more expensive house? 1:22:42 Reasons to refinance your mortgage now 1:26:20 I still don’t understand Trump’s tax…
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Radical Personal Finance
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Analyzing The NY Times Trump Tax Return Story (In Depth)
2:10:22
2:10:22
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The New York Times recently published a story on the analysis of President Trump's tax returns. Allegedly, Trump has not paid any income taxes in 10 out of the last 15 years. In today's podcast I analyze the financial planning behind the details in the article and teach you how you can use the same techniques Trump uses to shelter his income from t…
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Radical Personal Finance
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Friday Q&A: Better College Jobs, Online Privacy, Investment Income in Early Retirement, Moving to Central America, etc.
2:04:34
2:04:34
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On today's Friday Q&A show: 1:03 I have a low-paying job while in college. How can I get a better job? 18:22 What name should I use for my online activities? 32:06 How do I actually take income from an investment portfolio in retirement? 49:23 I'm leaving California for Central America; where should I go? 1:11:50 I'm moving to Florida; what kind of…
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Radical Personal Finance
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How to Die Broke Like Billionaire Chuck Feeney Will
1:23:07
1:23:07
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Billionaire Churck Feeney has recently finished giving away his entire $8 billion fortune. In today's show, we'll talk about whether you should copy him and how you could do it. Joshua Forbes: The Billionaire Who Wanted To Die Broke...Is Now Officially Broke Where he gave his money: https://www.atlanticphilanthropies.org/wp-content/uploads/2019/10/…
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Radical Personal Finance
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Friday Q&A: How to Get a Raise, Second Home vs. Investment Property, Saving vs. Giving
1:33:38
1:33:38
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It's Friday! Today we cover: 00:48 How to get a raise at your job. 11:55 Should I classify a 2nd house as an investment property or a second home? 25:30 Do I get a better deal on my mortgage by classifying a house as a second home? 31:15 How do I solve the tension between Saving money and Giving money? Enjoy! Joshua…
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Radical Personal Finance
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Install a Success Operating System in Your Children
30:16
30:16
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30:16
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Friday Q&A: Contractor vs. Employee, Negative Interest Rates, Cash, Emergency Escape from Wildfires, How to Pay Down a Life Insurance Loan
1:26:16
1:26:16
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Friday Q&A show! Today we discuss: 00:30 Contractor status or employee status? 31:00 What happens with our money when interest rates go negative? 43:21 Is it really a good idea to have lots of cash on hand? 1:03:30 How should I set up an emergency escape vehicle to get out of California wildfires? 1:17:31 I used a life insurance loan as a down paym…
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Radical Personal Finance
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Did We Get It Wrong? Reflecting on the Unexpected (?) Recovery of the Stock Market
1:19:56
1:19:56
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1:19:56
In March, things looked really bleak. But the stock market recovered in a spectacular 5 month period. Did we get it wrong? Do we regret anything we did? Joshua
All of the news these days on coronavirus is positive. Is this a glimmer of the beginning of the end? Although we certainly expect many more people to get sick with COVID-19 and some to die, I think it is. I'll tell you why. Joshua
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Radical Personal Finance
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How to Help Your Children Discover, Develop, and Profit From Their Passions and Talents: Interview with Jonathan Harris
1:42:13
1:42:13
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1:42:13
What are your goals for your children? What skills and abilities do you want them to have when they leave your home? My guest, Jonathan Harris, is the father of nine children. His four eldest children have all established themselves as independent adults, building careers on the foundation of their personal talents and passions. In today's show, we…
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Radical Personal Finance
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Friday Q&A: Practical Prepping, Medicaid for Early Retirees, New Tow Rig, HOA woes, etc.
1:38:50
1:38:50
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1:38:50
Live Friday Q&A today! 00:50 I just bought a new house. What practical prepper stuff should I do? 32:00 Can I & should I use Medicaid to cover my health insurance needs in early retirement? 51:01 I need a new Tow Rig; what truck should I buy? 1:10:21 Should I refinance my mortgage? 1:15:06 How can I become more relaxed with conflict in my life? 1:2…
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Radical Personal Finance
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Friday Q&A: Socializing Children, IRA Taxation for Ex-US Citizens, Foreign Corps, Private Businesses, Etc.
2:00:43
2:00:43
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2:00:43
It's Friday! Today, we cover: 9:00 How to socialize children when stuck at home? 22:27 How are IRAs Taxed for US citizens who renounce their citizenship? 38:18 How should we set up foreign corporations for US citizens moving abroad? 50:00 How should I go about looking for a financial advisor? 59:09 How can I run a business with total privacy? 1:22:…
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Radical Personal Finance
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Why Not Skip High School Virtual Classes and Take College Courses Instead?
1:20:46
1:20:46
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Millions of students are sitting at home wasting their time watching online courses for measly high school credit. That's dumb. Why not just go ahead and get an online bachelor's degree instead? In today's show, I'll tell you how. Joshua
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Radical Personal Finance
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Friday Q&A: Equity Stripping a House in Divorce, Buy Whole Life Insurance in a Sabbatical, Affirmations in Personal Development, Etc.
1:29:38
1:29:38
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1:29:38
In today's Q&A we discuss: 1:30 How can we equity strip a house in preparation for divorce? 13:17 Should I buy more whole life insurance if I'm planning to take a sabbatical in 6-8 years? 49:21 Are affirmations useful for personal development? 1:15:00 Should I be worried about leaving my home place in the current emergency?…
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Radical Personal Finance
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Tax Planning Advice for an American Couple Moving Abroad to Teach
44:22
44:22
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44:22
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Radical Personal Finance
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Always Look for the Most Direct and Effective Path to Your Goals
32:13
32:13
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32:13
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Radical Personal Finance
1
How to Move to Canada 🇨🇦 And Get a Second Passport!
1:06:50
1:06:50
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Moving is an extremely effective—albeit disruptive—way to improve certain aspects of your life, both financially and personally. All over the world there are millions of people who understand very clearly that if they can simply move to a country with a healthier, more robust economy. But what country do you choose? For hundreds of thousands of peo…
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Radical Personal Finance
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Friday Q&A: Privacy, Asset Protection, CARES Act Distributions, WWJD, Nomadism vs. Community
1:23:09
1:23:09
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1:23:09
Friday Q&A: 1:30 What steps can I take to protect my privacy and assets as I get into real estate investing? 17:22 Should I take an early $100,000 IRA distribution due to the CARES Act? 24:30 WWJD if his global trip were cut short and he were trying to build an online business? 44:00 How can I build a sideline bee business that my children can help…
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Radical Personal Finance
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Friday Q&A: Proper Planning for Young People, Infinite Banking, Retirement Income, etc.
1:20:42
1:20:42
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Live Friday Q&A: 2:00 Do I stick out my job and current career because it's profitable and comfortable or do I pivot to something new while I'm young? 16:20 Should I do Infinite Banking as part of my retirement plan? 38:40 Should I go to college? 59:10 My 79-year-old father needs income. What should he invest in? Join next week's show here: https:/…
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Radical Personal Finance
1
How to Choose Which Foreign Language To Learn to Increase Your Income
1:17:05
1:17:05
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"Languages for the Future: The foreign languages the United Kingdom needs to become a truly global nation" https://www.britishcouncil.org/sites/default/files/languages_for_the_future_2017.pdf
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Radical Personal Finance
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Modern Tools to Help You Learn a Foreign Language Faster
1:17:37
1:17:37
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Increasing your language skills can help your brain, your social life, and your wallet. In today's show, I give you some tools I have found to be useful in my own foreign language studies. Joshua Fluent Forever by Gabriel Wyner https://fluent-forever.com/book/ Anki https://apps.ankiweb.net Lingq: https://www.lingq.com/en/…
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Radical Personal Finance
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Replay: 456-Protect Your Money by Arrest-Proofing Yourself and Your Children
2:24:37
2:24:37
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This episode was first published in May 1, 2017. It's important. Please listen. ------------------------------------------------------ If you get arrested, you can kiss anywhere from thousands to hundreds of thousands of dollars good-bye. You need insurance against that eventuality. Today, I'm going to teach you why it's vitally important that you …
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Radical Personal Finance
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Friday Q&A: Credit Score, Helping Parents, Life Insurance on Children, etc.!
1:27:33
1:27:33
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1:27:33
Time for live Q&A today! 3:15 Does changing my credit mix improve my credit score? 8:50 How can I find a good real estate deal? 14:48 My parents are in their early 50s and not saving money. How can I help them? 32:37 Should I buy life insurance on the lives of my children? 46:37 Should I buy a rental house first or my forever house? 50:46 How do I …
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Radical Personal Finance
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724-How to Lower the Emotional Risk of a New Venture
48:43
48:43
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48:43
Watch this episode on YouTube: https://youtu.be/BQtrLx0EELw
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Radical Personal Finance
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723-Friday Q&A: Future of the USA, Bank on Yourself, Master's Degree, How to Meet Smart People
1:41:59
1:41:59
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It's Friday! Today we cover: 1:30 - What does Joshua think about the long-term future of the USA? 25:08 - Is Bank on Yourself / Infinite Banking a good idea? 56:13 - Should I get a Master's Degree right now or a job? 1:13:00 - How can I start a forum to meet smart people? Joshua p.s., to join me on next week's Q&A show, join me on Patreon: https://…
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Radical Personal Finance
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722-The Biggest Lifestyle Improvement Opportunity Available To You Right Now!
48:34
48:34
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You have an incredible opportunity available to you right now. Don’t miss it! Watch this episode on YouTube: https://youtu.be/cvFLUsmlMWI
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Radical Personal Finance
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721-Seven Rings of Liberty: What Do You Do When You’re Free?
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39:50
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Watch this episode on YouTube: https://youtu.be/xBThQszqk4E
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Radical Personal Finance
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719-Why I Don’t Miss Investing in the Stock Market
1:10:04
1:10:04
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Watch this episode on YouTube: https://youtu.be/3KiE5BOwM9E
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Radical Personal Finance
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718-Friday Q&A: Stock Market Volatility, For-Profit Schools, Personal Self-Confidence, HELOCs, Etc.
1:09:00
1:09:00
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1:09:00
Watch this episode on YouTube: https://youtu.be/36fIApfStZM 1:30 - Stock market volatility - are total stock index funds a safe bet? 14:12 - How can I build self-confidence with public speaking? 18:54 - How can I start a for-profit daycare or school? 35:35 - How should I use this time to learn more about money? Other important topics? How can I inv…
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Radical Personal Finance
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717-Commit to Growth, Exercise Courage, Develop Capability, Find Confidence
23:33
23:33
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716-How to Have a Low-Cost Adventure in the Midst of a Financial Depression
1:04:39
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Think you can't have a traveling adventure simply because you don't have any money? Well, if you think you can or you think you can't, you're right. If you'll adjust your mindset a bit, you can head out on a traveling adventure right now.
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Radical Personal Finance
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715-Friday Q&A: Credit Card Annual Fees, Like-Kind Exchanges, What To Do Next After Debt, Side Businesses, etc.
1:25:04
1:25:04
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1:25:04
It's Friday! On today's live Q&A show we discuss: 1:10 Should I keep a credit card with an annual fee because it helps my credit score? 5:22 Should I pay off my mortgage right now or wait so I can invest in rental real estate? 10:59 Will the rental market be in demand again in the future? 12:22 Should I refinance my 15-year mortgage to a 30-year in…
