Radical Personal Finance

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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 Sheats


    • Jun 6, 2025 LATEST EPISODE
    • weekdays NEW EPISODES
    • 1h AVG DURATION
    • 1,191 EPISODES

    4.2 from 1,836 ratings Listeners of Radical Personal Finance that love the show mention: thank you joshua, thanks joshua, joshua's, mad fientist, tax planning, listening to joshua, joshua does a great, early retirement, joshua is a great, host joshua, rich life, thinks outside, estate planning, financial planner, financial topics, thinking outside the box, approach to financial, year mortgage, highly knowledgeable, improve my financial.


    Ivy Insights

    The Radical Personal Finance podcast is my go-to source for financial advice. Hosted by Joshua Sheats, this podcast feels like having a personal life coach guiding you through all aspects of your financial journey. Joshua provides excellent holistic advice that goes beyond the typical "make more money and invest it" mantra. He keeps it real and his honesty and insight are truly valuable.

    One of the best aspects of The Radical Personal Finance podcast is Joshua's ability to present interesting financial ideas that challenge conventional thinking. He encourages listeners to think outside the box when it comes to their finances and overall lifestyle choices. Whether it's starting a business, traveling, or pursuing further education, Joshua forces you to question what you think is possible and inspires you to take action towards your goals. His fun and personable approach make listening enjoyable while also gaining valuable knowledge.

    Another great aspect of this podcast is Joshua's attention to detail in finding the best solutions for each individual listener. His advice is relevant and tailored to different financial situations, making it unlike any other financial podcast out there. Whether you're a dual career expat couple or just looking for general personal finance tips, Joshua offers insightful advice that will benefit anyone.

    While The Radical Personal Finance podcast has many strengths, one potential downside is that not every topic discussed may be relatable or applicable to all listeners. Some episodes delve into niche subjects or touch on areas that may not align with everyone's interests or circumstances. However, this can easily be solved by skipping over episodes that don't resonate with you personally.

    In conclusion, I highly recommend The Radical Personal Finance podcast for anyone seeking intricate details about personal finance and beyond. Joshua Sheats delivers a well-rounded perspective on various topics and provides invaluable insights into managing your finances and living a successful life in various circumstances. The show's ability to challenge conventional thinking and provide actionable advice makes it an essential listen for anyone looking to improve their financial situation and overall well-being.



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    Latest episodes from Radical Personal Finance

    1101-Friday Q&A: Balancing Life & Work, Investing into People, Managing Large Libraries, Learning Spanish, etc.

    Play Episode Listen Later Jun 6, 2025 87:50


    OUT & ABOUT: One Size Doesn't Fit All: Lessons From Homeschooling Five Children (Expat Money 289)

    Play Episode Listen Later Jun 4, 2025 63:52


    Today I share with you the audio from an interview I gave to Mikkel Thorup last year for Expat Money. Original episode: https://expatmoneyshow.com/episodes/289-joshua-sheats-pt1/ 

    1100-Investing Into People, Not Money: Patronage Roundtable with Greg Treat

    Play Episode Listen Later May 29, 2025 100:24


    In today's podcast I share the audio from a recent roundtable discusion with attendees of RPF Family Camp. We have a two-week discussion going related to patronage networks and we decided it would be good to host a verbal Q&A discusion instead of just keeping everything in text...now you get to listen in!

    1099-Things Are OK...But I Have No Idea What To Invest In!

    Play Episode Listen Later May 27, 2025 46:07


    1098-"A Model of Christian Charity" by Governor John Winthrop, 1630 On Board the Arbella

    Play Episode Listen Later May 26, 2025 40:59


    This episode contains the audio recording of a famous sermon by Governor John Winthrop, delivered on board the ship Arbella, while sailing to America in 1630. The sermon contains key theological insights as to the duties that come with wealth; it will be of interest to Christians and history-lovers alike. The basic ideas and precepts of this sermon were formative in the early American society and culture. Full text of the speech: https://www.gilderlehrman.org/sites/default/files/inline-pdfs/A%20Model%20of%20Christian%20Charity_Full%20Text.pdf 

    1097-Friday Q&A: Build or Buy, Signaling Theory, Switching Jobs, Moving From Canada to USA

    Play Episode Listen Later May 23, 2025 111:24


    On today's Friday Q&A we cover: 1:30 Should I build a new house or buy an existing one? 14:19 My YouTube channel is struggling. What now? 30:13 Should I move with my girlfriend to the USA for a work assignment? 57:10 How can I apply Signaling Theory to modern dating? 1:13:41 Should I switch jobs to one that seems better but has less potential? 1:23:45 Should I pay cash for a house or borrow for it? 1:33:55 How do I move from Canada to the USA? 1:42:24 Should I add a CFP to my CPA designation? Joshua Please join us next week! https://patreon.com/radicalpersonalfinance 

    1096-Reconsecration To a Wartime, Not a Peacetime, Lifestyle

    Play Episode Listen Later May 15, 2025 13:48


    1095-The Secret to Perfect Freedom

    Play Episode Listen Later May 14, 2025 5:30


    1094-Report from Radical Family Camp 2025 and Future Content Focus

    Play Episode Listen Later May 12, 2025 28:22


    I hope you can come to Family Camp 2026! Make sure you're on the email list for early notice. 

    Out and About: Success Strategies for Teens (MoneyWise With Joshua Sheats)

    Play Episode Listen Later May 1, 2025 44:02


    Today, I share with you a recent interview I gave for Krish on his podcast MoneyWise. Krish is a teenage financial podcaster and we discussed success strategies for teens. Originally published here: https://open.spotify.com/episode/5xKPog3DjtQRQ4tJr1aoMy 

    1093-Why You Should Move to South Dakota, Even If You Have No Plans to Live There!

    Play Episode Listen Later Apr 28, 2025 56:28


    South Dakota Residency: The Definitive Guide: https://escapethetechnocracy.com/?coupon-code=rpf&sc-page=south-dakota-residency-definitive-guide  Privacy Post: https://privacypost.io 

    1092-Money in Mating: Women SHOULD Care About How Much Money a Man Earns

    Play Episode Listen Later Apr 23, 2025 56:41


    If you'd like to increase your earning ability, join my Academy to learn how to increase it 10x in 10 years! https://RPFAcademy.com

    1091-It's Not Too Late For You To Build Financial Security

    Play Episode Listen Later Apr 18, 2025 19:28


    Join me September 17-20 in Kuala Lumpur for the world's #1 internationalization event: www.NomadCapitalist.com/live 

    1090-Live From Radical Family Camp 2025! (Q&A)

    Play Episode Listen Later Apr 15, 2025 73:01


    2 last-minute cabins available for family camp THIS WEEK!

    Play Episode Listen Later Apr 7, 2025 1:44


    I had two last-minute cancelations so now I have two cabins available Radical Family Camp in Seymour, Indiana this week. If you can get to Seymour, Indiana April 10-13 (THIS WEEK!), get your last-minute tickets here! https://form.jotform.com/jotformxaglk/radical-family-camp-2025-tickets 

    1089-Markets Are CRASHING!!!!!

    Play Episode Listen Later Apr 7, 2025 40:00


    1088-Friday Q&A: Financial Inflation, Lifestyle Inflation, Family Business, Saving for a New Grandchild

    Play Episode Listen Later Mar 21, 2025 72:27


    1:00 How do I protect myself from inflation risks, both financial and lifestyle? 25:00 How do I get my life under control with children? 50:00 How can I move from a career in sales to a multi-generational family business? 59:00 How can Grandparents save for a new grandchild?

    1087-Let's Not Normalize Government Crypto Scams

    Play Episode Listen Later Mar 19, 2025 25:15


    1086-Building a Family That Works Together and Stays Together and Builds Wealth Together: Interview with Gregory Treat

    Play Episode Listen Later Mar 13, 2025 92:58


    Interview with Gregory Treat. Greg's website: www.avaloncircle.com 

    I'm NOT Dead—But Here's My Encouragement For You From My Sick Bed Today

    Play Episode Listen Later Mar 10, 2025 13:48


    Now Accepting Volunteers for Radical Family Camp 2025!

    Play Episode Listen Later Mar 1, 2025 6:19


    Family Camp is now sold out (except for bunkrooms and RV spots). I am accepting a handful of volunteers. Would you like to join us for Family Camp and have me pay for your your spot in exchange for some volunteer labor? Send me an email at joshua@radicalpersonalfinance.com  www.RadicalFamilyCamp.com

    1084-The Common Factors of High Wage Jobs

    Play Episode Listen Later Feb 28, 2025 59:46


    For more, join us at www.RPFAcademy.com

    1083-Why Boomer Advice Still Works in a Zoomer World

    Play Episode Listen Later Feb 26, 2025 35:06


    3 cabins left for Radical Family Camp! www.RadicalFamilyCamp.com

    1082-Invest Without Wall Street and Build Your Community: Interview with Tim Yarbrough

    Play Episode Listen Later Feb 20, 2025 49:01


    Tim Yarbrugh is one of our Keynote Speakers at Radical Family Camp 2025. Buy your tickets now before they're gone! www.RadicalFamilyCamp.com  

    1081-Will DOGE Save Us All From US Government Default?

    Play Episode Listen Later Feb 11, 2025 34:41


    Radical Family Camp 2025 is 58% sold out now. Get your tickets before they're all gone! www.RadicalFamilyCamp.com

    Buy Your Tickets Now for RPF Family Camp 2025!

    Play Episode Listen Later Feb 7, 2025 23:02


    Buy your tickets for Family Camp 2025 today at www.RadicalFamilyCamp.com

    1080-Private Schools are a Complete Waste of Money Compared To This Alternative

    Play Episode Listen Later Jan 28, 2025 22:30


    1079-My Thoughts on the Birthright Citizenship Executive Order and Situation

    Play Episode Listen Later Jan 21, 2025 42:53


    Join me and make 2025 your most profitable ever! www.RPFacademy.com 

    1078-Friday Q&A: Business Skills, Productive Vacations, Radical Consistency, Appreciating What You Have

    Play Episode Listen Later Jan 17, 2025 60:25


    On today's Friday Q&A show we discuss: 1:46 How should I teach business skills to an associate? 11:06 Teaching Spanish to children 13:55 Productive travel vacations 31:33 The power of Radical Consistency 43:28 Living in the present and appreciating what you have 51:22 Suggestions on investing tax-free for Bermuda residents To join me next week, go here: www.patreon.com/RadicalPersonalFinance  Join RPF Academy and make 2025 your best year yet! www.RPFacademy.com  Joshua

    1077-How to Make Good Decisions: A Framework

    Play Episode Listen Later Jan 15, 2025 41:19


    Make 2025 your best year ever: www.RPFacademy.com 

    1076-Friday Q&A: Second Citizenships, Finances for a 70-Year-Old, Asset Allocation, 2024 Taxes, etc.

    Play Episode Listen Later Jan 10, 2025 83:03


    On today's Friday Q&A show we discuss: 1:35 Should I just pay for a second citizenship and get it done with? 7:44 How do I provide financial coaching for a 70-year-old widow? 24:50 How do I get on the same page re: asset allocation with my husband? 47:51 What can I do to save money on my 2024 taxes? 55:08 I'm going to church for the first time...what should I expect? 1:06:34 I live tax-free in Bermuda. How can I invest tax-free too? Enjoy! Join me on next week's Q&A show: www.patreon.com/radicalpersonalfinance  Get my Recommended Reading List here: www.radicalbooklist.com  Make 2025 your best year ever: www.RPFacademy.com 

    1075-A Billion Dollar Exit Doesn't Lead to Automatic Happiness

    Play Episode Listen Later Jan 6, 2025 22:40


    https://vinay.sh/i-am-rich-and-have-no-idea-what-to-do-with-my-life/ 

    1074-Why You Should Use Apple or Google Pay Instead of a Physical Credit Card

    Play Episode Listen Later Dec 10, 2024 22:47


    Learn this and many more useful tricks in the RPF Academy: www.RPFacademy.com.

    1073-Friday Q&A: Implementing Financial Plans Turning $120k into $2,500/mo, Asset Rich and Cash Poor

    Play Episode Listen Later Dec 6, 2024 60:02


    On today's Q&A show we discuss: 1:45 What moves people to take action on their financial plan? 32:51 How do I turn $120,000 into $2,500 a month? 51:44 I am asset rich and cash poor; how do I flip that? To join me next week on the live Q&A show, go here: https://patreon.com/RadicalPersonalFinance  To join my new Academy and make 2025 your most profitable year yet, go here: www.RPFacademy.com To buy my International Escape Plan Course for 50% off with my Cyber Monday sale, go here: https://rpf.gumroad.com/l/InternationalEscapePlan/CYBERMONDAY2024 

    1072-Why I Stopped Canceling My Credit Cards Every December (and what I do instead!)

    Play Episode Listen Later Dec 5, 2024 24:28


    Learn this and many other useful tricks in the new RPFacademy! Sign up today before the first live class! www.RPFacademy.com (And make sure to buy my International Escape Plan course before the Cyber Monday Sale expires. 2 days left!) www.InternationalEscapePlan.com

    1071-Civil Asset Forfeiture...Progress?

    Play Episode Listen Later Dec 4, 2024 8:43


    US suspends controversial asset-forfeiture program targeting airline travelers Make 2025 your most financially productive year ever! www.RPFacademy.com 

    1070: Cyber Monday Sale: Reflections on Building An International Escape Plan, 5 Years Later

    Play Episode Listen Later Dec 2, 2024 48:29


    In today's podcast I reflect on 5 years of expat life after fleeing the USA. Get 50% off my International Escape Plan Course with code CYBERMONDAY2024 with this direct link: https://rpf.gumroad.com/l/InternationalEscapePlan/CYBERMONDAY2024 

    "An Old-Fashioned Thanksgiving" by Louisa May Alcott

    Play Episode Listen Later Nov 25, 2024 40:00


    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 If you prefer to read the story to your children yourself, here is the text I read: https://digital.library.upenn.edu/women/alcott/thanksgiving/thanksgiving.html  Here are a few poem and prayers of Thanksgiving you may enjoy as well: O Lord, that lends me life, Lend me a heart replete with thankfulness! ~~William Shakespeare 1564-1616 May all who share these gifts today Be blessed by Thee, we humbly pray. What God gives and what we take 'Tis a gift for Christ his sake;

    1069-Friday Q&A: Laid Off, Building a Better FAFSA, RPF Academy, Voluntary Buyout

    Play Episode Listen Later Nov 22, 2024 67:16


    On today's Friday Q&A show we discuss: 1:00 I just got laid off...now what? 13:16 How can I arrange my affairs for a better FAFSA? 24:43 Will the Career & Income Course be in the RPF Academy? 33:16 Should I take a voluntary buyout offer of 6 months of pay? Enjoy! Joshua To join me on next week's call, go to https://patreon.com/radicalpersonalfinance  Join the Radical Personal Finance Academy! www.RPFacademy.com

    1068-RPF Academy: Walking With You Step-by-Step to Financial Freedom

    Play Episode Listen Later Nov 15, 2024 59:28


    I want 2025 to be your best and most profitable year yet! And I'd like to ask you to give me the opportunity to coach you week-by-week towards that goal. I'm excited to introduce you to my new semi-private coaching program: www.RPFacademy.com Listen to the podcast for all the specific details as to what I am offering to you and why I think this solves so many important problems in the world of financial advice. Then, please go sign up today at www.RPFacademy.com ! Thank you, Joshua

    1067-Friday Q&A: Liability Insurance Amounts, Gifting Money, International Privacy, Pathways to Financial Advisor

    Play Episode Listen Later Nov 8, 2024 69:52


    On today's Friday Q&A show we discuss: 1:01 How do I know how much liability insurance to buy? 8:26 Can my mom gift me money instead of paying me rent? 13:51 I'm interested in international privacy...what should I do first? 38:50 How do I decide my best pathway into becoming a financial advisor? To join me next week, go here: https://patreon.com/RadicalPersonalFinance Enjoy! Joshua

    1066: You—And the Country—Are Ten Years From a Total Transformation; Don't Give Up!

    Play Episode Listen Later Nov 6, 2024 33:50


    1065-Understanding American Culture: American Football

    Play Episode Listen Later Oct 30, 2024 56:57


    1064-Should I Relocate From Brazil to USA for More Opportunity?

    Play Episode Listen Later Oct 28, 2024 47:20


    A Brazilian listener is wrestling with the idea of moving to the USA for more opportunities for his son. Let's see if we can find some solutions to his problem!

    1063-Friday Q&A: Choosing Content, Renting House, Planning a Family Trip to Europe

    Play Episode Listen Later Oct 18, 2024 61:00


    On today's Q&A podcast we cover: 1:00 How should we filter our content intake? 21:35 Should I rent out my big house to roommates?  44:52 How do we plan a family trip to Europe? If you'd like to join me next week, go here: https://patreon.com/radicalpersonalfinance Enjoy! Joshua  

    1062-Should I Focus On Getting a Different Job With Better Benefits?

    Play Episode Listen Later Oct 16, 2024 8:00


    1061-My Favorite Personal Finance School Curriculum Author: Stanley Schmidt, Life of Fred

    Play Episode Listen Later Oct 15, 2024 91:28


    On today's podcast I share with you an interview with the author of my favorite personal finance school curriculum: Stanley Schmidt. Enjoy! Financial Choices, Life of Fred Life of Fred Math Books Full Catalog Stanley Schmidt

    1060-Financial Goals Everyone Should Set (11): Always Be Fully and Properly Insured

    Play Episode Listen Later Oct 14, 2024 38:54


    Do I Need Insurance? A Mental Model to Analyze Methods of Dealing With Risk RPF0091

    1059-Lessons I Learned From 6 Countries In Asia

    Play Episode Listen Later Oct 10, 2024 83:55


    I have just returned from a 3-week Asia Tour and in today's podcast I want to tell you a little about the lessons I learned in South Korea, Indonesia, Singapore, Malaysia, China, and Hong Kong.

    1058-Insight and Advice Related to Family Travel and International Living

    Play Episode Listen Later Sep 27, 2024 55:57


    On today's podcast I share some hard-won lessons and insights into the challenges of family travel and international living and solutions to those problems.

    1057-Privacy and Utopia: A History (with Gabriel Custodiet)

    Play Episode Listen Later Sep 17, 2024 45:33


    Buy Gabriel's new book here, with a 15% discount: https://escapethetechnocracy.com/rpf 

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