Radical Personal Finance

Joshua Sheats


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.

Available on


1089 episodes

1004: Don't Wait to Have Babies Until You Can "Afford It"

Is it good to be financially prepared before having children? Yes, it is. But it doesn't take all that long to accomplish this. Perhaps a year at most. Let's talk about the real preparations that are necessary and those that aren't.

1h 59m
Mar 21
1003: Don't Wait For Marriage Until You Can "Afford It"

If you want to marry and you've found a great potential spouse, you should marry. Don't wait until you can "afford it." In this podcast, I'll explain why and how.

1h 34m
Mar 18
1002: Lessons From The Collapse of Haiti


Mar 11
1001: Cheap Books, Guiding Young People to Wealth, Divorce Advice, Masters Degrees

On today's Q&A podcast we discuss: __ __ To join me on next week's Q&A show, go here: https://patreon.com/radicalpersonalfinance 

1h 49m
Mar 08
1000: Episode 1,000: The Story of the Accomplishment of My Ten-Year Goal

Thank you. From the bottom of my heart, thank you for being here with me for a ten-year journey.  Joshua

1h 49m
Mar 05
997-Choose Your Beliefs About Money

The inaugural Radical Personal Finance Family Camp is sold out, but there is a waitlist. (I'm working on securing some more cabins.) Go to www.RadicalFamilyCamp.com to register for the waitlist.

Feb 21
995: Please Come to the Inaugural RPF Family Camp!

Please come to the inaugural Radical Family Camp in Seymour, Indiana April 11-14, 2024. All the detail and tickets are here: www.radicalfamilycamp.com 

Feb 15
994: Solving the Immigration Crisis in the USA

Fair warning: today's podcast topic will have only limited interest, as it's outside the normal guidlines of "personal finance." I'm recording the show in response to a question from a long-time listener who wanted my input on a specific topic: the current immigration crisis. This is clearly an important topic, but one that has only a peripheral connection to personal finance. If you're interested in hearing my extensive thoughts on the immigration crisis and topic in general, listen to this show.  Enjoy, Joshua __ __

1h 45m
Feb 08
993: Are Wealth and Poverty Infectious Diseases?

Only 7 consulting slots left. Book now! https://radicalpersonalfinance.com/consult 

Jan 24
Thirty-One Consulting Appointments Available for January Sale

Would you like to speak to me for a private consulting appointment at a discounted rate? Book now during my January sale: https://radicalpersonalfinance.com/consult  This is what Estela said about working with me:

Jan 18
989: Everyone is Moving to the Metropole


Jan 09
988: Friday Q&A: Critiques of Joshua's Recent Advice, Too Many Businesses, Too Little Time, Converting Term to Whole Life

On today's Friday Q&A show we discuss: __ __ Enjoy! Joshua Join me in Panama in 2 weeks: https://expatmoney.com/radical  Join me on next week's Q&A: https://patreon.com/radicalpersonalfinance 

1h 20m
Jan 05
987: Invest Your Money Into Founding a Great House To Change the World

Come to Panama in 2 weeks with me! https://expatmoney.com/radical  How to Found a Great House and Become a Prince https://www.mythpilot.com/p/how-to-found-a-great-house 

1h 1m
Jan 04
986: New Year's Q&A: What Do I Do With a Bunch of Extra Money, Financial Planning for Single Guy, Maintain Privacy with New Business, etc.

On today's Q&A podcast we discuss: 1:35 I'm saving way more money than I need to. What should I do instead? 13:06 I intend to stay single for life. What financial planning should I focus on to take care of myself? 29:13 I want to build an advice business and still maintain my privacy. How do I do that? 40:18 How do I set up a new partnership agreement in my medical practice? 53:08 My wife and I are expecting our first baby. What should we do to prepare? 1:07:25 How do I protect an elderly person's home while applying for Medicaid? 1:18:00 Should I give up an $800,000 income so that we can move to Latin America? 1:43:51 Should we move from Texas to Montana to raise children closer to family? 1:54:02 What's the max amount I can afford to spend on a house? 2:09:55 Should we pay cash for our house by going in a Radical housing direction? 2:43:00 How can I get out of debt? Enjoy! Joshua __ __  

3h 6m
Jan 01
985: How to Save Up A Down Payment to Buy Your Own Home

This audio was recorded as part of a recent Friday Q&A show, just before Christmas. There were two callers, but I made an error in my analysis in answering the first question, so I have excised that call from the show. But I think you'll enjoy this call dealing with how to save up money for a house. Joshua  

Dec 27, 2023
REPLAY: 838-How to Have a Truly Rich Christmas (With the Inspiration of "A Christmas Carol" by Charles Dickens)

Today, let's discuss how you can enjoy a truly rich Christmas—nay, a truly rich life. Joshua Originally released December 23, 2021 If you'd like to follow along with my reading, you can find the text here: https://www.gutenberg.org/files/19337/19337-h/19337-h.htm 

2h 46m
Dec 20, 2023
984: Friday Q&A:

On today's Friday Q&A we discuss: __ __ Enjoy! Joshua __ __

2h 16m
Dec 15, 2023
983: The American Dream Costs More Than The Average American Makes...Is the American Dream Dead?

The "American Dream" costs far more than most people will earn over their lifetime The American Dream Now Costs $3.4 Million The College Payoff: Education, Occupations, Lifetime Earnings    

Dec 13, 2023
982: Friday Q&A: Learning Spanish, Financial Windfalls, Tax Preparers, Paperless Finances, Podcasts vs. Books, Effeminate Men at Church

On today's Q&A show we discuss: 1:51 What are the first three resources I should use to learn spanish 12:32 How should I transfer my money into the USA? 16:32 What do I do with an unexpected windfall? 20:48 How do I find a good tax preparer for my real estate business? 30:45 Should I sell my old rental house tax free or keep it? 42:44 I want to become a financial minimalist. How do I streamline things? 52:14 Should I listen to podcasts or audio books? 1:00:58 Should I switch to a paperless household and financial system? 1:16:25 What documents should I carry while traveling and how should I carry them? 1:25:09 Why are the men in Christian churches so effeminate and uninspiring? Enjoy! Joshua __ __

1h 54m
Dec 08, 2023
981: 🇵🇦Panama Is a World-Class Destination for Your International Plans; Here's Why - Interview with Mikkel Thorup from Expat Money

Today I interview Mikkel Thorup on the nation of Panama and some of the ways it can be useful for you and for me. Come join the Panama Investment Tour we are hosting in January! https://expatmoney.com/radical 

Nov 27, 2023
"An Old-Fashioned Thanksgiving" by Louisa May Alcott

Today, in celebration of the American holiday "Thanksgiving Day," I want to share with you a recording of short story written by Louisa May Alcott, called "An Old-Fashioned Thanksgiving." The audio file has no commentary—it's merely an unabridged reading of the story—and is suitable for you to share with your children as a worthwhile story to enjoy this time of year. But this story is filled with financial lessons for those with ears to hear. As you listen to a life of long ago (circa 1830), I'd encourage you to reflect on the life that you and I now live in comparison. For me, this reflection fills me with Thanksgiving, which is the starting point of living a rich life now. You are rich. I am rich. Let's realize it and act appropriately. Joshua __ __ Here are a few poem and prayers of Thanksgiving you may enjoy as well: ~~William Shakespeare 1564-1616

Nov 23, 2023
980: Why I Will Move Back to the USA (Probably)

Huge Black Friday Sale going on right now! Join me in Panama for an outstanding internationalization event! https://expatmoney.com/radical  www.InternationalEscapePlan.com (my internationalization course) www.BitcoinPrivacyCourse.com (How to buy private Bitcoin) www.HackproofCourse.com (Protect your identity and personal information in 2024!)

1h 29m
Nov 22, 2023
Black Friday Sale is live

50% off! PRIVATE CRYPTOCURRENCIES: How to Buy, Own, and Use Non-KYC Bitcoin Like a True Radical 50% off! HACKPROOF: How to Beat Fraudsters, Prevent Identity Theft, and Say Goodbye to Cybercrime 50% off! INTERNATIONAL ESCAPE PLAN: How to Create a Sensible, International Bugout Plan to Protect You Against Economic Collapse, Tyranny, War, or Anything Else   

Nov 21, 2023