Radical Personal Finance

Today we cover the three basic methods to save money:

1. Buy it cheaper
2. Make it last longer
3. Use it less

Any one of these strategies is useful. But the real power comes when you implement all three of them.

Listen to the show to understand why!

Joshua

• The examples in today's show come from the peerless frugality book "The Complete Tightwad Gazette: Promoting Thrift as a Viable Alternative Lifestyle" by Amy Dacyczyn.
• Start tracking your money with YNAB: www.RadicalPersonalFinance.com/YNAB

It's Friday! And it's time for Q&A. Today we cover:

• Should I Move From My Apartment and Buy a House in the Suburbs
• How do I Set Up a Solo 401(k) So I Can do a Mega Backdoor Roth IRA
• Should I Work as a 1099 Contractor or a W2 Employee

If you'd like to join for a future Q&A show, sign up here: www.RadicalPersonalFinance.com/Patron

Joshua

Here's today's end-of-year wrapup for 2017!

• Joshua's thoughts on tax reform...
• ...and bitcoin...
• ...and your financial tracking systems for 2018...
• ...and a good year-end cleanse...
• oh, and Merry Christmas!

Talk to you next year,

Joshua

(My interview starts at 7:30 into the show.)

I recently gave an interview to the Complete Privacy and Security Podcast on the topic of financial privacy. I think it was a really good interview.

This interview was originally published on December 8, 2017 here: https://operational-security.com/cps-podcast-e058-financial-privacy-security/

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INTRO Motherboard Guide to Not Getting Hacked

MAIN TOPIC Joshua Sheats of Radical Personal Finance joins us to discuss: – Why being financially stable (and ideally independent) is an important component of personal privacy – Joshua's Stages of Financial Independence, and what each of them means:

Stage 0: Financial Dependence Stage 1: Financial Solvency Stage 2: Financial Stability Stage 3: Debt Freedom Stage 4: Financial Security Stage 5: Financial Independence Stage 6: Financial Freedom Stage 7: Financial Abundance

– How to pick make an accountant or financial planner who respects your financial privacy & security – Episode 459 of Radical Personal Finance: Don't Trust Your Financial Advisor! – How trusts and LLCs can impact your finances and privacy – How much cash you should have on hand and where you should store your emergency fund – Episode 481 of Radical Personal Finance: Where Should I Keep My Emergency Fund? – Which precious metals you can sell in any amount without reporting the sale to the IRS – Joshua's thoughts on investing in precious metals, Bitcoin, and other alternative assets – What you need to do right now to begin achieving financial independence

Be sure to check out Radical Personal Finance – it's one of my favorite podcasts!

OFFENSE/DEFENSE No Offense/Defense this week.

LISTENER QUESTIONS 1. How secure and/or private is Paypal.com? Do you recommend using Paypal? 2. If my bank doesn't offer two factor authentication, what else can I do to protect my account?

Today, I'd like to interrupt the personal finance content with a show on podcasting. After recording over 500 episodes of Radical Personal Finance, I feel like I have some valuable lessons to share with other podcasters and with my listeners who are considering starting a podcast.

Enjoy,

Joshua

• Visit www.HelloFresh.com and use "RPF30" to save $30 off your meal delivery.

If you enjoy learning how common financial instruments can be used to achieve incredible results, you'll enjoy this show.

Joshua

Today I have a replay for you of Episode 121. This episode was originally released December 17, 2014 and the information should be as relevant today as it was then.

Notes are here: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/

I really hate it when I see people bullied. And I especially hate to see debtors bullied by unethical debt collectors.

In today's show I share with you some tools, tactics, and techniques and knowledge to help you stand up for yourself in the face of an onslaught of bill collectors.

I hope these help you.

And, if you don't need this type of help, I hope these ideas help you to help someone else who does.

Joshua

• Try Hello Fresh! www.HelloFresh.com and use coupon code "RPF30" to save $30 on your first week of deliveries!
• Text of the Fair Debt Collection Practices Act
• Recommended book: "Solve Your Money Troubles: Strategies to Get Out of Debt and Stay that Way" from NOLO press
• Consumer Credit Counseling Services https://www.credit.org/cccs/

Today's episode is an interview I gave for the "In The Rabbit Hole" urban survival podcast.

This episode was first released October 30, 2017 here: https://www.intherabbithole.com/e232/

Joshua