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


    • Apr 15, 2026 LATEST EPISODE
    • weekly NEW EPISODES
    • 59m AVG DURATION
    • 1,233 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

    1135-Are You Getting Good Value in Government For Your Tax Dollars Paid?

    Play Episode Listen Later Apr 15, 2026 34:13


    I'll be speaking this year for the third year in a row at Nomad Capitalist Live, in Cancun, Mexico, November 4-7. Come hang with me! www.NomadCapitalist.com/Live 

    1134-Friday Q&A: Too Many Children, Building a Family Seat

    Play Episode Listen Later Apr 3, 2026 56:19


    On today's Friday Q&A we discuss: 1:30 How do you know when you have too many children? 22:19 What should I consider in trying to build a Family Seat? Enjoy! To join me on next week's Q&A podcast, join here: https://patreon.com/RadicalPersonalFinance I have a room or two left for you to join me for Family Camp: www.RadicalFamilyCamp.com

    1133-Should I Quit Radical Personal Finance?

    Play Episode Listen Later Apr 1, 2026 89:40


    I have seriously considered quitting RPF. In this podcast I'll share the lessons I've learned from speed-running all of the normal personal finance concepts. Joshua Come hang out with me at Family Camp in 2 weeks! www.RadicalFamilyCamp.com

    Radical Family Camp Tickets: Last 3 Rooms Released!

    Play Episode Listen Later Mar 30, 2026 16:42


    This year's 3rd Annual Radical Family Camp tickets sold out a few weeks ago online, but I had held back a few rooms for volunteers, my family members, etc. However, as those attendee details are now finalized, I've released my last remaining rooms into the sales inventory and am making them available to you: Please go purchase those tickets here: https://form.jotform.com/260097537038158  Would you like to join me, my family, and 250 of my friends for Radical Family camp in a couple of weeks, April 16-19? Here is the room supply I have available for you: -1 cabin (for a large family or your friends) -3 lodge rooms (for up to four) -2 RV spots (bring your own rig) -2 single lady's bunks in the female bunk room (single men's bunk rooms are all sold out) Please go purchase those tickets here: https://form.jotform.com/260097537038158 Here are a few more details for you about the event to help you figure out if you would like to come. The event will be held in Seymour, IN (which is located right between Louisville, KY and Indianapolis, IN) from Thursday, April 16 to Sunday, April 19. This is the third time I've hosted this event and we've had really good reviews from our past attendees. The event is basically a child-friendly business conference; we've got loads of children attending and lots of children's games as well as a bunch of talks for adults. The event is held on the facility of a large church summer camp facility. This gives us loads of fun activities for the children (zip line, canoes on the lake, archery tag, etc.) We have some coordinated child care to free moms and dads up to attend the business talks as well. The theme this year is: "Execute Today, Iterate Tomorrow." The goal is to provide you with a broad panoply of ideas to build successful systems for wealth-building and family-building today and then to iterate your success outward in your community and down through the generations. Here are the scheduled presentations for this year: -"Handling Household Finances as a Productive Couple" by me, Joshua Sheats -"The Pillars of Civilization: Covenant and Sphere Sovereignty" by Gregory Treat (Great Houses Forum) -"Professional Mothering: Practical Skills for Smooth Days" by Claire H. -"Don't Pursue A Legacy; Pursue a Two-Generation Transition" by Tim Yarborough -"Hosting Your Way to a Robust Local Community" by Anna S. -"Let Your Children Jump Off of a Cliff" by Wallace Thomas -"Productive Young Men: How to Build the Foundations of a Career and Business Life That Will Dominate The Future" by Joshua Sheats -"Ruthless Personal Effectiveness: Blunt and Brutal Realities of and Truths of Personal and Family Time Management" by Steven Harris (Knowledge Publications) -"The 100-Year Mindset: Thinking Like the Founder of a Great Family" by Mikkel Thorup (Expat Money) -"The Centrality of the Covenental Household for Success in the Future" by Gregory Treat (Great Houses Forum) -"Using Family Based-Hospitality to Build Your Powerful Household" by Bryana T. -"Managing Household Staff Effectively" by Melissa T. -"Investment Strategies for Building Generational Family Capital" by David Stein (Money For The Rest Of Us) -"Teach Your Children to Govern Themselves: The Foundation of Successful Living" by Andy H. -"Buying & Building Businesses, Starting With Little" by Ben H. -"Money is the Easy Part: Raising Money to Fund Your Projects" by Jordan M. -"Family Business Roundtable: How to Build and Maintain a Business That Will Last Down Through the Generations" -"Getting Started in Real Estate Investing: A Grand Vision and Practical First Steps" by Ryan W. -"Family Traditions, Customs, & Culture: How toBuild a Strong Sense of Identity in Your Family Culture" by Joshua Sheats In addition to these formal presentations we will have many hours of good discussion around the dinner table and campfire together. If these topics interest you at all, please buy a ticket and come! You won't be disappointed. This event has become one of the most anticipated events of my family's year and of many of our participants as well. All of us have become friends at this event over the years and we want to be friends with you as well! Please go to this link and buy your ticket now: https://form.jotform.com/260097537038158​ Love, Joshua p.s., We do not allow any off-site attendees to the event. This means that unlike most business conferences, you will have ample time to hang out and discuss things with me and all of our speakers. It's way better than any other conference I go to! We also do not record any of the sessions or discussions--the only way to get access to these talks is to attend them live, in-person. Please come!

    1132-My Human-Scale Productivity System

    Play Episode Listen Later Mar 20, 2026 53:49


    Today I want to share with you how I'm fighting brain rot and working hard to develop my human-scale productivity system. Please buy Life of Fred mathbooks for your children and help them develop focus ability as well! www.LifeOfFred.com 

    1131-Radical Egalitarianism is Destroying Us

    Play Episode Listen Later Feb 19, 2026 38:23


    Let me save you months and months of slow learning in an afternoon. Join my new AI Productivity Mastery Event NEXT WEEK! www.aiForRadicals.com (which forwards directly to https://escapethetechnocracy.com/product-ai-productivity-mastery-a-live-event/ )  RADICAL FAMILY CAMP: I have about 6 cabins remaining for Family Camp April 16-19 www.RadicalFamilyCamp.com Come hang with me and my family!

    1130-Married Fathers Are Richer BECAUSE Of Their Many Children, Not In Spite Of Them

    Play Episode Listen Later Feb 18, 2026 53:26


    Let me save you months and months of slow learning in an afternoon. Join our new AI Productivity Mastery Event NEXT WEEK! www.aiForRadicals.com (which forwards directly to https://escapethetechnocracy.com/product-ai-productivity-mastery-a-live-event/ )  RADICAL FAMILY CAMP: I have about 6 cabins remaining for Family Camp April 16-19 www.RadicalFamilyCamp.com 

    1130-Ethical Considerations of Artificial Intelligence: Joshua's Take

    Play Episode Listen Later Feb 17, 2026 68:34


    Join Gabriel Custodiet and me for our new AI Productivity Mastery live event. http://www.aiforradicals.com/ (which forwards directly to: https://escapethetechnocracy.com/product-ai-productivity-mastery-a-live-event/ 

    1129-Advice For a Young Man on Building Passive Income

    Play Episode Listen Later Feb 16, 2026 76:56


    Join me on February 27 for the first session of AI Productivity Mastery: Sign up at www.aiForRadicals.com or directly at https://escapethetechnocracy.com/product-ai-productivity-mastery-a-live-event/ 

    1128-Friday Q&A: Borrowing Money From Family, Housing Down Payment Analysis, Slow Travel with 2-Year-Old, Building a New Society

    Play Episode Listen Later Feb 13, 2026 82:51


    In today's Q&A we cover: 1:18 Should I borrow money from family to buy a house? 17:34 How much of a down payment should I put on a house? 26:50 Should my family slow travel with our 2-year-old? 53:37 Advice for new family life after new baby? (and rebuilding a broken society)

    3rd Annual Radical Family Camp Tickets Now Available!

    Play Episode Listen Later Feb 13, 2026 42:47


    Tickets for Radical Family Camp are now available! Details in the podcast episode.  April 16-19 in Seymour, IN Buy your tickets now at www.RadicalFamilyCamp.com (which will forward to this sales form: https://form.jotform.com/260097537038158 ) Buy your tickets quickly! At the time of podcast posting we are already 2/3 sold out. Can't wait to see you! Joshua

    Master AI For Productivity and Impact: Live Event with Gabriel Custodiet

    Play Episode Listen Later Feb 12, 2026 33:27


    Mastering AI tools is no longer optional for your work and personal success; it's essential. But how can you do it quickly? Gabrield Custodiet and I have developed a new live event called "AI Productivity Mastery." In two sessions we will bring you up to speed with all that we have learned as master users of AI tools in the last 2+ years. Join us! Register today: www.AIforRadicals.com (which forwards to https://escapethetechnocracy.com/product-ai-productivity-mastery-a-live-event/ ) 

    1127-Friday Q&A: Birth Tourism, More Children, AI for High School, Financial Advice Career, Family Business

    Play Episode Listen Later Jan 24, 2026 94:27


    On today's Friday Q&A we discuss: 00:47 Tips on Brazilian birth tourism 9:50 How can I influence my wife to want to have more children? 30:00 How should I structure an AI curriculum for high schoolers? 53:00 What's the future for the financial advice business? 1:02:21 How do I help my children plan to take over the family business?

    1126-Friday Q&A: How Goes the New Business, Foreign Currency Transaction Amounts, A Day in the Life of Joshua, etc.

    Play Episode Listen Later Jan 9, 2026 66:04


    On today's Friday Q&A we cover: 1:00 How things are progressing with Life of Fred 14:47 How much foreign currency to have after moving abroad 28:39 A day in Joshua's life The Future of the Retirement Course

    1125-Leaving a Legacy: Inheritance, Charity, & Thousand-Year Families: Interview with Johann Kurtz

    Play Episode Listen Later Jan 7, 2026 81:53


    Interview with Johann Kurtz. Buy his new book, please! https://www.amazon.com/Leaving-Legacy-Inheritance-Thousand-Year-Families/dp/1919349715  Also, subscribe to Johann's Substack: https://substack.com/@becomingnoble 

    1124-What Should a Man Do When Surrounded by Peace and Prosperity?

    Play Episode Listen Later Jan 6, 2026 7:46


    1123-Friday Q&A: Community Building, Family Building Questions, etc.

    Play Episode Listen Later Jan 3, 2026 107:04


    1122-A New Year, A Genuinely New You: Face The World With A Clear Conscience

    Play Episode Listen Later Jan 1, 2026 60:32


    Wouldn't you like to be able to walk through life with a clean conscience, unashamed by anything anyone can say about you? Time for a new year and a new you. The audio I played comes from: https://youtu.be/sm01jY4IDow?si=sctPq2-PYAcWUP3j 

    1121-New Year Resolutions and Goals That Will Pull You Into The Future

    Play Episode Listen Later Dec 31, 2025 64:07


    Grow your brain with a Math-Bell www.LifeOfFred.com or a Language-Bell: www.EchoLingoApp.com Full speech by Teddy Roosevelt: https://radicalpersonalfinance.libsyn.com/945-may-your-aspirations-and-ambitions-be-higher-than-mere-wealth 

    1120-The Moral Tragedy of Government Welfare

    Play Episode Listen Later Dec 30, 2025 88:12


    Browse a free chapter of all of our math books at www.LifeOfFred.com 

    1119-The Biggest Fraud Story of The Year; What Comes Next?

    Play Episode Listen Later Dec 30, 2025 56:47


    Full video: https://x.com/nickshirleyy/status/2004642794862961123?s=20  Genius Math Curriculum www.LifeofFred.com 

    1118-Building Joshua's Great House, Step by Step: Pt 2, Covenantal Relationships: Interview with Gregory Treat

    Play Episode Listen Later Dec 11, 2025 101:15


    Part 2 of a series in which attorney Gregory Treat coaches Joshua in the building blocks of a Great House. Greg Treat's website: https://avaloncircle.com   

    1117-I Started a New Business! (please help me)

    Play Episode Listen Later Dec 5, 2025 66:23


    I started a new business to massively improve the world of language learning for children. Will you please help me perfect it as a beta tester? www.EchoLingoApp.com/RPF 

    "An Old-Fashioned Thanksgiving" by Louisa May Alcott

    Play Episode Listen Later Nov 25, 2025 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;

    1116-Friday Q&A: Faster Progress Towards FI, Moving Closer to Family, Opinion of Brazil, Stress and Panic Attacks

    Play Episode Listen Later Nov 14, 2025 113:41


    On today's Friday Q&A we discuss: I've made enormous progress; how do I keep going towards FI? Should I switch states to be closer to family? What does Joshua think about Brazil? How do you handle stress and panic attacks? Enjoy! Joshua To join me on next week's show, go here: https://patreon.com/radicalpersonalfinance 

    I Bought A Business!

    Play Episode Listen Later Nov 6, 2025 38:54


    Buy Life of Fred Financial Choices book here: https://lifeoffred.com 

    1114-I Have Changed Everything in My Life

    Play Episode Listen Later Nov 4, 2025 57:07


    1113-Friday Q&A: Lower Tax Bill For This Year, Why Do Family Planning Before Financial Planning

    Play Episode Listen Later Oct 24, 2025 81:09


    On today's live Q&A we discuss: 1:00 I made a bunch more money this year; how do I lower my tax bill? 28:07 Why should I do family planning before I do financial planning? If you'd like to join me on next week's Q&A show, join here: https://patreon.com/radicalpersonalfinance  Enjoy! Joshua

    1112-Building Joshua's Great House, Step by Step: Interview with Gregory Treat

    Play Episode Listen Later Oct 21, 2025 74:56


    On today's show, listen in as attorney Gregory Treat coaches Joshua in the building blocks of a Great House. Greg Treat's website: https://avaloncircle.com   

    1111-A Relentless Commitment to the Boring Fundamentals Will Make You Rich

    Play Episode Listen Later Oct 10, 2025 23:11


    1110-An Estate Sale: How To End Your Life Poorly

    Play Episode Listen Later Oct 6, 2025 34:38


    An Estate Sale of your stuff after your death is probably one of the worst things that can happen and implies your failure. Here's why...

    1109-It Matters Not What You Think; It Matters All What You Do

    Play Episode Listen Later Sep 19, 2025 58:43


    1108-Who Will Marry Your Widow and Raise Your Children If You Die on The Field of Battle?

    Play Episode Listen Later Sep 18, 2025 29:35


    How Did You Die?

    Play Episode Listen Later Sep 11, 2025 8:52


    1107-The Importance of Excellent Infrastructure for Big Impact

    Play Episode Listen Later Sep 3, 2025 29:34


    1106-In What Form Do You Hold Your Wealth?

    Play Episode Listen Later Aug 4, 2025 27:02


    1105-Building a Billion-Dollar Nest Egg With a Roth IRA, Realistically

    Play Episode Listen Later Jul 25, 2025 33:20


    www.RPFacademy.com 

    1104-Friday Q&A: Investing in Tools of the Trade, Socialization for Children, Financial Support of Adult Children, etc.

    Play Episode Listen Later Jul 14, 2025 118:45


    On today's Friday Q&A podcast we discuss: How much should I spend on equipment that makes me money? How do I help socialize my three-year-old child? Is financial support of adult children a good idea? After I'm doing all the basics of good investing, where do I go to find better investment ideas? I just moved to New York City...will I ever get used to this lifestyle?

    1103-Changes From The One Big Beautiful Bill and the New Trump Accounts

    Play Episode Listen Later Jul 9, 2025 67:37


    Jeff Levine's tweet thread: https://x.com/CPAPlanner/status/1940856699872858202 

    OUT & ABOUT: Unschooling: Learning Off the Beaten Path (Expat Money 291)

    Play Episode Listen Later Jul 3, 2025 60:42


    Completing the interview I gave to Mikkel Thorup last year. Original episode: https://expatmoneyshow.com/episodes/291-joshua-sheats-pt-3/ 

    1102-It's Always Cheaper to Feed the Meter Than to Pay The Ticket

    Play Episode Listen Later Jun 26, 2025 41:34


    OUT AND ABOUT: Worldschooling: Beyond the Three Rs (Expat Money 290)

    Play Episode Listen Later Jun 17, 2025 67:16


    Continuing the interview I gave for Mikkel Thorup last year. Original episode: https://expatmoneyshow.com/episodes/joshua-sheats-pt-2/ 

    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. 

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