Radical Personal Finance

Ain't it strange how so many of the universal human experiences cost so much? Childbirth. Marriage. Getting Old. Death. All of them can cost a bunch of money. But does it have to be that way? Are there alternatives? Yes. Guess what: kicking the bucket doesn't necessarily have to break the bank! There are ways to do it cheaper. If you want to. Today I tackle funeral expenses. You might not be able to benefit from the savings, but at least your family can have a little more cash left over to celebrate your life! Enjoy, Joshua $5 buys you a set of plans to build a coffin for http://piedmontpinecoffins.com/diy-coffin-plans/ Or, you can buy a simple wood coffin for $431, delivered. http://kentcasket.com/ You can do a home funeral and even home burial in almost all the states. Here are the problem states: http://homefuneralalliance.org/the-law/problem-states/ Start 2017 off right by finding a great new financial advisor! www.radicalpersonalfinance.com/paladin Set up all your accounts in Personal Capital for free! www.radicalpersonalfinance.com/personalcapital

Discover the importance of budgeting, different ways to budget, and how to properly categorize expenses. Learn the significance of giving and the impact of giving, saving, and investing on wealthy individuals. Explore the challenges of buying used cars and the benefits of going to new car dealerships. Gain insight into making intentional choices and evolving your budgeting system over time.

I think RVs are awesome. In fact, my family just got back from a very fun 2-week RV trip last week! But, RVs can also be a major money drain. Much like boats, it's easy to overestimate the pleasure you will get from it and underestimate the hassle. In today's show, I share with you some of my ideas and thoughts on RVs: Where they work and where they don't Things to consider and keep in mind before you buy Advantages and disadvantages of the various types Tips for buying smart Enjoy the show! Joshua Start your budget for 2017 today! www.radicalpersonalfinance.com/YNAB Follow through on your financial resolutions by finding a great financial advisor: www.radicalpersonalfinance.com/paladin Book a consulting call with me: www.radicalpersonalfinance.com/phonecall Support RPF on Patreon www.radicalpersonalfinance.com/patron

Hey Radicals! Happy new year! I was planning to come into 2017 with a bang, but a stomach bug turned the bang into a fizzle for me. Oh well! You'll be hearing some changes to RPF in coming days. I want you to know about those in advance, so tune in for a quick chat today! Joshua

I missed a couple of important points on the previous show on Health Care Sharing Ministries (HCSMs). Today we wrap those points up with a quick discussion of: catastrophic protection deductibility HSA compliance pre-existing conditions We also discuss: Self-Insurance Direct Primary Care/Concierge Care Catastrophic Coverage Dread Disease/Critical Illness Insurance Doctors on Call Enjoy! Joshua Start your new year off right by mastering your budgeting. www.radicalpersonalfinance.com/YNAB Support RPF on Patreon! www.radicalpersonalfinance.com/patron Book a consulting call with me: www.radicalpersonalfinance.com/phonecall

Today I tell you why we don't have health insurance in my family and what we do instead! We continue our health insurance series today with a discussion of Christian Health Care Sharing Ministries. Perhaps the Health Care Sharing Ministries shouldn't be in this series because they are not actually health insurance. But, if you're a participant in an approved organization, you qualify for an exemption to the Obamacare tax penalty (for not having health insurance). Personally, I love the concept of these organizations and I have nothing but good things to say about my experience with Samaritan Ministries (which is the one that my family participates in). In today's show I give you a background of these companies and my own experience and opinion of them. There are 5 major options for you: 1. Samaritan Ministries http://samaritanministries.org/ 2. Christian Healthcare Ministries http://www.chministries.org/ 3. Medishare – Christian Care Ministry https://mychristiancare.org/medi-share/ 4. Liberty Health Share http://www.libertyhealthshare.org/ 5. Altrua Health Share http://altruahealthshare.org/ Enjoy the show! Joshua p.s., if you join Samaritan Ministries, please remember to tell them that "Joshua Sheats" sent you so that I can get a small discount! Start your search for a financial advisor here: www.radicalpersonalfinance.com/paladin Listen to the Jack Waymire interview here: www.radicalpersonalfinance.com/284 Join our RPF Facebook community! https://www.facebook.com/groups/RadicalPersonalFinance/ Please leave an iTunes review for me! https://itunes.apple.com/podcast/radical-personal-finance/id896153632?mt=2&ls=1 Please support me financially on Patreon. www.radicalpersonalfinance.com/patron Book a consulting call with me here: www.radicalpersonalfinance.com/phonecall

One of the major burdens that the passage of the Affordable Care Act placed upon us is that we are required by law to maintain health insurance coverage. Or, if we don't, we have to pay a tax penalty. But, as with most taxes, the Obamacare tax penalty is, in some ways, optional. In today's show I teach you all of the ways that I know to escape it! We cover: How to calculate the tax penalty What happens if you don't pay the penalty All of the exemptions that you can qualify for Enjoy! Joshua Book a consulting call with me here: www.radicalpersonalfinance.com/phonecall Support RPF on Patreon! www.radicalpersonalfinance.com/patron Please leave a review for my show on iTunes! https://itunes.apple.com/podcast/radical-personal-finance/id896153632?mt=2&ls=1

If you're building a business, you may reach a point in time at which you need more money to expand your operation than you're currently receiving from your revenues. Traditionally, this is where you would either go out and solicit more investors to back you or perhaps go and borrow money from a bank. But, thanks to major changes in the law, there's another option now available to you: equity crowdfunding. Equity Crowdfunding is a way for companies to solicit investments from individuals similar to how product crowdfunding sites like Kickstarter, et al, solicit sales from individuals. There are tremendous possibilities here for you as a business owner. But, don't skip this show if you simply don't own a business. You may be interested in this topic from the perspective of a business owner! You can participate as an investor with these companies yourself! Enjoy the show, Joshua Get Nathan's Book on Amazon: "Equity Crowdfunding: The Complete Guide for Startups and Growing Companies" Or get a free sample chapter from his website: http://assembleadvisory.com/book/ Please support me on Patreon! www.radicalpersonalfinance.com/patron

Joshua, an expert in personal finance, discusses the importance of setting income goals and transforming them into hourly wages. He explores the significance of online communities, such as Facebook groups, for connecting with like-minded individuals. Joshua also touches on privacy in online communities, supporting the podcast through Patreon, and the correlation between hourly wages and individual worth. He emphasizes the need to calculate income and set earnings goals based on specific lifestyle objectives, prioritizing consistent and focused work to earn a higher income.

I learned the hard way not to wait until the end of December to think about how my past year went and how I wanted my next year to go. Don't wait. The first two weeks of December are your golden time for your year-end review process. Details in the show! Joshua Last-minute tax planning ideas for you: https://radicalpersonalfinance.com/last-minute-tax-planning-ideas-to-save-you-money-rpf0121/ Take Michael Hyatt's awesome Life Score Assessment to help give you clarity on your success in 10 areas of your life: http://bestyearever.me/a18455/2017assessment