619-Empathy and Personal Responsibility When Living Paycheck-to-Paycheck: Interview with the Cheap Bohemian

In Episode 616, I argued the point that if missing one paycheck is a problem for you, you're behaving stupidly. My guest on today's show took umbrage with my commentary on Twitter. So invited her on to discuss!

Enjoy,

Joshua

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617-Friday Q&A: Giving Money to Poor People, Contributing My Salary to my Wife's 401(k), Protecting Investment Accounts, Buying Term Life Insurance while FI, etc!

1:45 - How can I give nice gift to people who are poorer than I am without creating a power imbalance?

15:20 - Can I contribute my salary into a 401(k) plan for my wife in order to maximize our retirement account contributions?

28:05 - How can I protect my non-qualified investment accounts that are exposed to the claims of creditors?

44:30 - I don't "need" term life insurance because I'm financially independent. Should I still buy some?

51:00 - I'm following Dave Ramsey's baby steps and am almost out of debt; should I store up my emergency fund in a Roth IRA?

56:00 - I want to buy an investment that will pay for my new car instead of just burning all my cash on the car. How do I do that?

(For the context of any time-relevant comments relating to current events, this Q&A was recorded on 12/19/2018.)

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612-Q&A: Pay Off Debt or Invest, 529 Plan Optimization, Financial Planning Fees, Tax Issues, College Planning

2:00 - Should we pay off our mortgage or invest?

9:50 - Should I put more money into one of my child's 529 plans in order to help them on their financial aid calculations?

18:30 - Should a retiree in her 60s pay 1.7% as a financial planning fee?

47:20 - How should we unravel the tax situation for a house that I live in but don't own?

1:13:00 - What college financial planning organization should I choose?

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600-A Complete Answer to Whether You Should Pay off Debt or Invest

Here's the complete answer that you need to know if you should pay off debt or invest.

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597-Debt-Freedom Leads to Career Freedom to Become a Financial Adviser: Interview with Matt Miner from Design Independence

On this episode we welcome Matt Miner back to the show. Matt previously came on the show to discuss whether going back to graduate school is a good financial move.

Since that interview, Matt left his corporate job and became a financial advisor!

In this interview we explore two themes:

  1. How good financial planning and preparation enables a move to a better career fit. This is an important component of a progressive plan towards financial freedom.
  2. How a personal finance aficionado can make a move towards working as a financial advisor without sacrificing their integrity.

Enjoy!

Joshua

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594-Friday Q&A: If I Have No Credit Score (Because I Haven't Borrowed in >25 Years) Should I Start Building It?

It's Friday! That means it's Q&A time. Today we cover:

  • If I have no credit (because I haven't borrowed money in >25 years) should I work on building my credit score?
  • What has traveling like for Joshua and what are his plans for Radical Personal Finance.

Joshua

  • If you'd like to be on next week's Q&A call, sign up here: www.radicalpersonalfinance.com/patron
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591-Friday Q&A (Credit Card Edition): New Cards, Refinancing Mortgages, and Credit Freezes

Today we tackle:

  • How do I get new credit cards when I've already maxed out my limits?
  • Should I refinance my mortgage over onto my credit cards so I can drop Private Mortgage Insurance?
  • How should I handle a credit freeze on my accounts?

Remember, go buy the credit card course this weekend. It's at www.radicalpersonalfinance.com/creditcardcourse and you can save $10 with promo code CREDITCARDTEN.

Joshua

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590-Who Should Never Have a Credit Card?

There are people who should never, ever, have a credit card. And of course they shouldn't buy my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards."

But, everyone else should buy it. Go here: www.radicalpersonalfinance.com/creditcardcourse

Save $10 with promo code: CREDITCARDTEN

Joshua

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