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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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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589-How to Manage Cash While You Pay Off Your Credit Cards

Credit Cards can be really useful. But contrary to popular opinion, they're not the most useful when you're broke. They're more useful when you have a little cash.

Enjoy this excerpt from my new course "How to Borrow Money Safely and Never Pay Interest Using Credit Cards."

And then go buy it here: www.radicalpersonalfinance.com/creditcardcourse

Use "CREDITCARDTEN" to save $10. Until Monday only.

Joshua

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588-Credit Card Loans Can Provide a Way to Privately Purchase Goods and Services

One of the most under-appreciated aspects of credit cards is the significant privacy they can afford you. Listen to the show for details.

Remember, please sign up for my new credit card course: www.radicalpersonalfinance.com/creditcardcourse

Use coupon code "CREDITCARDTEN" to save $10 off the price. (Good until 10/15/18.)

Thank you!

Joshua

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587-Credit Card Debt Is A Very Safe Form of Debt

One of the most useful aspects of credit cards is how safe the debt is when compared to other forms of debt. Enjoy this excerpt from my brand new course called "How to Borrow Money Safely and Never Pay Interest Using Credit Cards."

The course is now available for you to buy. Go here: www.radicalpersonalfinance.com/creditcardcourse

Use the coupon code "CREDITCARDTEN" to save $10 off the price. (Valid until 10/15/18.)

Thank you!

Joshua

 

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