Radical Personal Finance Episode 274-You Can Become and Stay Wealthy If You Focus On Systematically Developing and Perfecting the Simple Skills of Wealth

One of my major breakthrough moments in life occurred when I learned that success skills were simply that: skills. The same applies to wealth.

Success and wealth are not accidents. People are not wealthy by chance, happenstance, or accident. People become wealthy because:

1. They unconsciously learned the knowledge and applied the skills of wealth; or,
2. They self-consciously learned the knowledge and applied the skills of wealth.

For me, that concept was incredibly helpful.

As we begin a new year, I encourage you to focus on the skills that you need to identify, learn, and perfect during 2016 that will ultimately lead to wealth.

Enjoy the show!


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[0:00:00.7] JS: Today on the podcast, we’re going to talk about the skills of wealth and I’ve got great news. It’s a brand new year, maybe a brand new day, depending on when you’re listening to this but it’s certainly a new year and a new month. Here is the cool thing about a new year, a new month or a new day. A new day is a time for a fresh start and today, you can reflect back on your progress towards your goals over the last months and perhaps even a year and consider your progress.

You might have two emotions that come out of that. You might be able to look back and reflect on 2015 with satisfaction. Satisfaction about how much excellent progress you’ve made towards your goals or you might look back with a little bit of regret. Feeling like, “I wish I had done a little better.” Either one of those is okay.

Today, I want to speak with a special message to those of you who look back with a little bit of regret because here’s the good news, it’s a brand new day and today you can begin to develop, practice and perfect the skills that you need that will help you build wealth in every area of your life.


[0:01:29.7] JS: Welcome to the radical personal finance podcast, my name is Joshua Sheats and I’m your host. Thank you so much for being with me here today radicals. It’s a brand new year, I am rested, rejuvenated, reenergized and ready. I needed one more R. And ready to go for a brand new year on radical personal finance and today we talk about skills, one of my favorite topics.

I hope that you’ve had an excellent holiday season, I hope that you’ve enjoyed perhaps a little bit of time off, I hope that you’ve enjoyed some time with those that you love. But I’m excited to get back to work, personally. I had a great time with my family, did a little bit of camping, visited various family members, did a little bit of travel, got some things cleaned up and today, Monday, January 4, 2016, I am ready to get back to work.

It’s going to be a big year for radical personal finance, I’m very excited about the opportunities that are in front of me. And I’m excited about the hard work that’s in front of me. As I was reflecting over the last couple of weeks on 2015 and kind of checking in on my plans for 2016, I was thinking about the progress that I have made and the progress that I haven’t made.

In many ways, 2015 was an excellent year for me but it was also a very challenging year for me and frankly, I didn’t make quite as much progress as I thought I would, as I wanted to. I went back and listened to the show that I created at the beginning of 2015 and looking at all the things I set out to do, I didn’t accomplish all the things I wanted to do.

For me, that’s normal and I’ve learned that that’s normal and I’ve learned not to beat myself up too much about those things. Some people struggle with thinking big. I don’t struggle to think big. Usually I think far bigger than I can ever achieve and I’ve just learned that generally I set out bigger plans than I can execute on and for me, it’s okay, I’m aware of that and I’ve learned how to mitigate the downsides of that character trait.

But in thinking about it, I was reflecting on this next year. And in considering my own personal progress, I found solace in the concept of skill development. That’s what I want to focus today’s show on, share with you some ideas that I have about skills and how useful a concept this is for people who are working toward their goals.

I am amazed about the world that we live in and especially as it relates to wealth and one of the most amazing concepts to me that I love is the fact that anybody in our modern economic system where we all live today, all of you who are listening to the sound of my voice, whatever country you’re in. Anybody can build wealth, if you have the knowledge that you need and the skills that you need and if you have enough time for that knowledge and those skills to be applied to the point where they work. Anybody can do it.

To me, that’s a very freeing idea because we don’t live in a time where you have to be born into wealth, we don’t live in a time that you have to somehow do something nefarious to gain wealth, we don’t live in a time where you have to get lucky, be chosen from the genetic lottery. We live in a time where any man and any woman with a good plan learning the knowledge that they need in acquiring the education and the wisdom which comes with applied knowledge and education over time, and then developing the skills, really any man and any woman can build wealth. Now, the level of wealth is not guaranteed, who knows if you’re going to become a millionaire or a billionaire, huge difference between those two things but you can build wealth.

Now, I love the word skill because skills are learnable. The fundamental tenant of wealth building and the fundamental tenant of personal development is that anything that somebody else has learned, you can learn too. Which means, for me when I think about all of the challenges that I face and all of the areas where I fall short and all of the places where my character still needs to be honed, I take encouragement from the fact that other people with the same problems and shortcomings that I have, have faced those challenges and have learned new skills that have enabled them and equipped them to be able to work through them, through the challenges.

Regardless of how good or how bad my results have been, I need to continue to focus on the skills. I need to have a good plan, have the knowledge that I need and then work on developing and perfecting the skills that ultimately will lead to wealth. Because here is a cool thing, at least how I see it. People who are wealthy or at least people who are wealthy from their own actions will talk briefly in a moment about those who are wealthy from the actions of others. People who are wealthy have done one of two things.

Either they unconsciously learned the knowledge and applied the skills of wealth to their situation or they have self-consciously learned the knowledge and applied the skills of wealth to their situation. Either way, the results that they’re achieving or have achieved are based upon the application of knowledge and skill. Now, what about those who come in to wealth by the actions of someone else? Win a lottery, gain an inheritance.

Well, give it a little bit of time and what you’ll see is that those people who are wealthy and stay wealthy in those situations, those who are actually able to stay wealthy, only are able to stay wealthy because either they’ve unconsciously learned the knowledge and applied the skills of wealth or they’ve self-consciously learned the knowledge and applied the skills of wealth.

Now, I don’t know how to do things unconsciously but I do know how to do things self-consciously. As a sentient being, I can chart the course, pick the goal, develop the plan, build the skill and in the fullness of time, I’ll get the results that I’m looking for, and the same applies to you. So in today’s show I wanted to just give you some ideas about how to apply these skill sets to your life and some ideas on specific types of skills that you should be looking at to apply.

Before I get to the meat of the skills that I want to talk about. In just a moment, I want to talk about briefly about sponsors for today. Sponsor today number one is the YNAB budgeting software, You Need a Budget. Budgeting is a fundamental and core skill of wealth. There are many ways to budget, done recent shows on budgeting, feel free to check those out if you’re interested but budgeting is a core skill. You will not become and stay wealthy without a good system of budgeting.

If you got a system that works for you, great. If you don’t, I would commend to you that this is a major area that you can make progress in in a brand new year. I would recommend that you try the YNAB budgeting software. YNAB is short for You Need a Budget, it’s an acronym and YNAB is the number one most requested, most suggested advertiser on the show. More audience members of radical personal finance use and love YNAB than any of our other advertisers. Frankly, any other product that I’m aware of at the moment.

YNAB solves the major problems of budgeting brilliantly. I’d recommend you go back and listen to Episode 246, that’s an interview with Jesse Mecham, I love YNAB, I use YNAB every day. If you’d like to check it out and see what it’s all about, you need to do two things. Number one, sign up for a free 30 day trial of the software, it’s a free, full featured trial of the software, sign up for that at radicalpersonalfinance.com/ynab. Please use that tracking link so I get credit for your download. Radicalpersonalfinance.com/ynab.

Do that number one and number two, work your way through the excellent training materials that YNAB offers. They have all kinds of free webinars and classes about how to use the software and build your budget properly, this is the perfect time of the year to do it. Check out radicalpersonalfinance.com/ynab. Sponsor of today number two, today is Paladin Register and this is my solution to the most requested problem or question that I’ve gotten on the show which is, “Joshua, how do I find a great financial adviser?”

Paladin Registry is a registry service of financial advisers. It’s a vetting service, a screening process. The founder of Paladin Registry is a man named Jack Waymire. He and his team have put together an extensive series of screens to help weed out some of the bad and incompetent financial advisers that are out there who have a license to their name.

The way it works is if you would like to interview some perspective financial advisers to see if they might be able to serve you and the care and stewardship of your wealth, you go to this link, Radicalpersonalfinance.com/paladin. Use that link, go through that link put in your name, your email address, your phone number, they’ll ask you for a zip code, can’t remember if it ask you for your mailing address?

It will ask you for the amount of assets that you have that are potentially available for the adviser to manage. It’s important that you fill that in properly so that they can match you with an adviser who works with clients similar to you. Then they’ll put you in contact with sometimes two, sometimes three advisers, sometimes more.

You’ll have an opportunity to check with those advisers, see if they might be a good fit for you. It’s a great to do that here with the New Year, a good financial adviser is worth their money. A bad financial adviser isn’t worth any money, but a good financial adviser is worth every money. Radicalpersonalfinance.com/paladin.

A majority of the listeners of Radical Personal Finance are based in the United States. There’s something very unique about the United States of America. It can be measured based upon wealth. The United States is an incredibly wealthy country and there are many reasons for that. Some reasons are geographical.

If you look at a globe and look at the different aspects of just global geography, you can see some of the major influences that have led to the United States being as wealthy as we are but some major reasons are also cultural and those cultural reasons are very important. One of the very important aspect s of the US culture is a deep seeded belief in the idea of cause and effect.

Now, that’s a world view perspective, it comes from the Judea Christian heritage of the United States culture. Scripture says, “Don’t be deceived, God is not mocked, whatever a man sows that also shall he reap.” And that idea of cause and effect goes very deeply in US American society. It’s a reason why people had the expectation that if I put in hard work, if I put in effort, if I plant good seed, I can expect to reap a good harvest. That’s not true in many other places of the world or at least people don’t have that perception of it being true because of the external influences whether it’s corrupt government or an unjust system of confiscation or whatever the cultural influences may be.

That cause and effect principle has a tremendous bearing on what we do. If we want to create the effects of wealth, we’ve got to study the causes of wealth and those causes are knowledge, knowing the right things to do, having knowledge about the areas that are important and then applying that knowledge systematically over time and applying the skills that will ultimately lead to wealth.

Those skills are going to fall in to the same basic five part framework that we talk about except it’s primarily going to be about the first three, we have to apply the skills of increasing income, you have to apply the skills of decreasing expenses, we have to apply the skills of investing wisely.

Skill is applicable to avoiding catastrophe and optimizing lifestyle but it’s less direct and today we’re going to focus heavily on wealth. In order for you to build wealth in this next year, you’ve got to gain and assimilate knowledge in the areas that matter to your life and to your goals and then you’ve got to learn, develop and perfect those skills that lead to wealth.

Knowledge is the important first step. If you’re having a problem or you’re seeking a certain result in your life then the first thing you should do is seek out the information and the education and the knowledge and the ideas that are pertinent to that problem. Frankly, I’m astounded the people who don’t do this. The majority of people don’t do this.

The majority of people who have problems in their lives just simply want to complain about those problems and gripe about those problems and it somehow doesn’t seem to occur to many people to actually think about how to solve those problems.

Now, there is a subset of the culture for whom this is unthinkable and that subset is me and many of you who are listening, we can’t even conceive of why would you not work on your problems? But yet the majority of people don’t seem to even take the first steps of working on their problems, they don’t seem to even take the first steps of going out and searching for the knowledge and the ideas that they need.

So knowledge is the basis. If you’ve got problems, just start by asking around and talking about the problems that you’re facing and you’ll start bumping in to answers. One of the core principles of the personal development and success ideas is the idea of focus and intention. When people talk about the importance of setting goals or talking about problems when I talk about journaling or things like that. What those things do is they bring the problems, they bring the decisions, they bring the situations you’re facing from the back of your mind to the front of your mind and make you aware.

Then when you’re aware of things, your brain starts to filter the results that are in your environment around you. This is what, I mean this is the basis of the famed law of attraction. It’s not a matter of attraction, it’s a matter of recognition. The best, simplest example is to think about, whatever kind of car you drive, by driving down the road, you can pick out that car half a mile away. You could pick out the exact color and the make and model because you’re tuned into that.

If you drive a red sports car or you decided you want to drive a red sports car, all you see are red sports cars. But until then, you never saw them. The same thing happens with knowledge. When you ask about the problems and you start talking about the challenge that you’re facing then you can systematically over time start to bump in to the answers.

So ask questions about the big problems you’re facing and then ask questions about the little problems you’re facing. Ask questions about the things in your life that aren’t yet how you’d like them to be. You can start to learn the knowledge and ideas that would be helpful to you. Knowledge is only the first step and knowledge has to be actually applied in order for it to be useful.

That’s where we turn to the topic of skills, which is our focus for today. You have to develop the skills of success and where I first learned this concept was years ago through a Zig Ziglar set of CD’s that I had that I listened to frequently. Zig Ziglar was just an incredible speaker, I always like his style, I liked his southern accent and I liked his style and he was one of the first success people that I ran into and he had this place on his tapes where he talked about what people want, and he talked about how to build the skills of success in the areas that people want.

He would make the point that everybody wants just about the same thing in life. These things that people want. People want to be happy, they want to be healthy, they want to be at least reasonably prosperous, we all want to be secure, we all want friends, we all want peace of mind, we all want good family relationships and we all want hope that tomorrow is going to be better than today. That was his discussion of what people want.

Personally I think that’s a pretty fair list, it’s at least a good place to start. I don’t know if it’s a complete list or an incomplete list doesn’t matter. The most important part of that seminar was how he went on from the basis of what people want and he talked about how to get what you want. He made the point and effectively proved it to me that each and every one of those things is a skill, it’s a learned skill.

Now, you got to go listen to the seminar if you want to learn how happiness and health are learned skills or reasonably prosperous is learned skills. I’m not going to repeat the whole thing here. But he expanded that and it changed my world view. Because when I understood that all of those basic things were skills, it made me feel confident that I could learn and study and apply the knowledge that I learned to my life in order to learn those skills.

When you feel empowered like that, it’s life changing, it’s potentially life changing at least because skill development is something that most of us I think can relate to. We all have different areas that we’re skilled in, but when we look at things as skills, it makes us think of an ongoing process. We recognize first that we’re not going to be very good in the beginning. Any skill that you’ve acquired or that you developed, you probably weren’t very good at that skill in the beginning but over time, you were able to build it and perfect it perhaps.

So one of the areas in wealth building that people get knocked off is we often don’t do very well in the beginning. We often don’t have the highest paid job in the beginning, we often don’t — we often make bad purchases in the beginning, we often lose money in investments. And if we let those things define us as who we are, then it has a tendency to stifle us and stop us. But if we just simply see those things as skills that we’re developing then we can be mediocre in the beginning and that doesn’t spell ruined and doom. It’s just where we’re starting.

The concept of skills is powerful because there’s a progression. It’s also powerful because it means that we never stop and that’s where, with wealth building, people will often make the mistake of looking for that one thing, that one idea, that one deal. Do those things exist? Maybe? There can be one major deal that makes a big difference in people’s lives. But usually it’s not one major deal. It’s usually a series of little deals. I just love the title of one of John Schaub books. It’s the book he retitled into Building Wealth One House At a Time.

But the old title of it was, Making it Big On Little Deals, that you don’t need one major thing, you just need a lot of little progressions, little steps in the right direction. When you have the confidence that you just need a lot of little steps in the right direction. You’ll systematically probably be able to more effectively keep going through the earlier ones when they’re difficult to press forward to the ones where they are going to be more fruitful at the back end.

As you face 2016, a good journaling exercise for you to do would be this. Ask yourself, what are the skills that you need to focus on and develop, in order to grow towards your wealth? And which of those skills will have the most impact, the most immediate impact for you? Make a list and brainstorm some skills. I’d encourage you not to constrain these skills to money and to wealth. I’d encourage you to expand your list to the skills of life.

The skills of excellent communication with your spouse are going to be more impactful than how many dollars are in your IRA as far as impactful to your level of happiness. It’s a lot cheaper and easier to build better communication skills with your spouse than it is to save a million dollars in your IRA. But since this is Radical Personal Finance, let’s talk about some of the skills of wealth that you can focus on. Starting with the first part of the Radical Personal Finance framework.

Number one, increasing income, what are the skills that you can and should work on to increase your earnings and your earning ability? Are there specific jobs skills that you could develop? Do you need to retool your skills because you’re facing a transition point in life? Making the New Year’s resolution to make more money might be a good starting place. Setting a goal to increase your income by 10% this year might be a better starting place. But that goal is only going to be practical if it’s connected to a plan and that plan is going to have to involve skills of some kind.

For me it’s the skills of major focus, 2016 for me, major focus is to massively improve my skills with written communication with my email list. With all of you who have signed up for the email list. Major undone thing for me in my life. Another major skill is to develop the skill of finding out what are the specific courses and products that I can develop and offer to you the audience that will be life changing for you.

I’ve got to develop all the skills of creating this products, designing the outlines. And I want to make them world class, I’ve got lots of ideas but those are all skills. Once I’ve done about 10 of them, I’ll probably start to get okay at it and then another 20 or 30 and I’ll probably start to be world class. That’s just a skill.

What are the job skills that you need? Do you need to develop people skills? Do you need to focus on communication skills, leadership skills? Is your opportunity specific and tactical? Or is it big picture? Do you need to upgrade a level of leadership where you go from leading in specifics to leading in vision? What are the skills that you need to increase income?

I’d encourage you, pause the podcast and brainstorm a list if you’re in an environment where you can do that. If you’re driving in your car, hit pause and use the voice recorder app or use a dictation into an Evernote file or into an email file, use the voice dictation on your phone and just spend some time brainstorming a list of the skills that would help you to increase your income.

Next, what about decreasing expenses? What are the skills that for you will lead to decreasing your expenses? Do you struggle with impulse buying? Well, you should focus on the skill, developing the skill of not buying on impulse, that’s a learned skill. Now in an ideal world, hopefully your parents taught this to you or in an ideal world, hopefully you had some life experience that taught this to you early in life.

For me, it was one of those little radio controlled cars, well there had been various ones. I tell two stories just because they I think illustrate. One I remember so much, I desperately wanted one of those little radio controlled cars, little things you squeeze the trigger and drive the thing around. I thought it was the coolest thing ever.

My parents gave me the opportunity to buy it with my own money. I remember just jumping on that thing and buying it. I remember how utterly bored I was a week later with a toy that I was so enthusiastic about. When you save and then spend quickly on something and it doesn’t bring you any lasting satisfaction, you learn not to continue so long with buying that stuff.

Another way I learned not to be an impulsive spender on little things was one summer I worked on a farm and I had the opportunity and I was mainly out in the fields and I got very bored because I was driving the tractor around all day and this was when I was in high school. I would very much look forward to my lunch break and my mid-afternoon break.

There was a gas station a couple of miles down the road that had some pretty decent gas station food, specifically some pretty good chicken wings. A little bit lazy about going and packing my lunch and packing my snacks to eat. So I’d wind up at that gas station. In retrospect, I was able to calculate, probably two to three times a day.

I’d like to go on the morning, get a coffee at lunch time, I’d swing down there, get some lunch, in the afternoon maybe I’d swing by and get something else. Well that particular summer, at the end of the summer, it came time to give my dad — start paying my dad the money that I owed him for my tuition bills and I would usually be able to earn in the course of a summer about two to $3,000.

So I’d usually wind up at the end of the summer of work in high school with two or $3,000 in my checking account which I would spend down over the course of the school year as I remember I think I paid my dad $100 a month for my tuition at a private school and some things like — other miscellaneous high school student expenses.

That particular summer, as I remember, I basically had seven or $800 in my checking account. I’m sitting there counting things up and trying to figure out, “Where did my money go?” My father at that time forced me to go back and do an investigative audit of my finances and figure out where my money had gone.

I was quite chagrined to find that I had spent at least a thousand dollars, possibly much more, on chicken wings and soda from the gas station. That year, I was broke the entire year because I had wasted all my money frivolously on stupid impulse purchases that I didn’t track. That lesson went deep. So I had the opportunity to learn those skills with hard lessons young in life, that’ very helpful to me now.

Ideally, if you didn’t have those lessons, perhaps you can learn from my stupidity and other people’s stupidity but if not, think about how you can develop the skill of not buying on impulse? Recognize that your behavior is not fixed, it’s not the way it’s always got to be, you can change it. You can learn a new skill. Whether that means you put some guard rails on your credit card and your check card and spend cash out of an envelope.

Whether it means you institute a mandatory 30 day waiting period on any purchase over $20 or over $100. Whatever it is, make a plan to learn and develop the skill. Perhaps it’s the skill of careful purchasing and that’s what you need. You need to develop the skills of researching decisions. So you can integrate this and say, “Over the next 30 days I’m going to research is decision, I’m going to figure out how can I get the best bang for my buck?”

One of the things that’s so sad is if you look at people who are broke, you often will find that they have the same things that people who are not broke have but they just buy cheap versions of them. Those cheap versions are always breaking down and they can’t seem to make a good purchase that’s going to lead to a lower life cycle cost.

They buy all the fancy stuff but they buy the cheap versions that break down and then have no residual value. Where somebody who is wealthy has probably developed some habits of careful purchasing. So they think carefully about their purchases, they plan their purchases in advance, they carefully choose purchases that don’t depreciate very much in value so that on the back end of the life cycle of ownership, they can sell the item back into the market and it has a lower cost to them.

Frankly, you can drive, with good skills of careful purchasing, you can drive a luxury car, have lots of luxury products and you’ll have luxury products with a lower price tag than cheap, inferior products. That is a skill. It can be focused on, developed and learned. What are the skills that will help you to decrease expenses? These skills have to be appropriate to where you are. If your food bill is out of hand, maybe your skill is, “How can I really develop the skill of decreasing our food expenses?”

But perhaps it’s not a food bill, perhaps it’s something else. How can I develop a skill? You can be as tactical and specific and learn the skill of changing my own oil or performing some of my own car repairs in order to save money at the mechanic or very, very big picture, that’s up to you. Just ask yourself, “What are the skills that will help you to decrease your expenses?”

Next, investments. What are the skills that you need to learn that will lead to your making wiser investments? First skill with investing is always the skill of saving money diligently and setting it aside. At the front end of your investing career, that is the major skill set that’s needed. And so one component of that is yes, higher income. Another component is yes, lower expenses.

A major component is, the skill of forcefully saving money right off the top, paying yourself first. Figuring out a plan that’s going to allow you to fund your investment account, whether it’s as simple as going down and increasing your 401(k) contributions or putting an automatic transfer on your checking account so that on the day that your direct deposit hits your account, some amount of money goes into a savings account.

Can be simple or it can be complex. But in your area of chosen focus, then you need to develop more skills around investing. If you are — depending on the type of investing, perhaps you are pursuing a trading strategy so then you’ve got to develop skills of trading stocks. Or if you are in something like real estate investment, you’re buying and selling single family houses then there are skills that are associated with that. There’s the skills of finding the deals, there’s the skill of negotiating a great deal, there are the skills of managing crews of people to fix things up.

Each of those is a skill that can be studied and focused and developed. Those skills, when systematically practiced are what lead to a mature investor and these skills, when comprehensibly practiced, are what lead to a mature wealthy person. It’s a systematic application development and perfection of skills.

The final point I’d like to make on the topic of skill development is simply that skills, the necessary skills change and they develop as time goes forward. If you consider somebody like an athlete, professional athlete, professional football player. Professional football player has perfected some skills, but just because they’ve perfected some skills doesn’t mean that they can avoid and ignore skill development. It just means that the skills are different.

When they were playing peewee football, there were certain type of skills, certain levels of skill that they needed to focus on. It’s the same thing in wealth building. The peewee football scenario is simple things like the skill of getting a job, the skill of making a resume, the skill of not getting fired from the job, the skill of paying your bills on time, the skill of managing a checkbook, that’s peewee football.

When you get into the big leagues, you still have to be e developing a skill but they’re different. When you’re leading a company with hundreds of employees, it’s a very different skill set than when you had zero. Or when you’re managing a portfolio of $5 million dollars, that’s a very different skill set than when you had $5,000 bucks in the bank. It’s still just a system and a series of skills. Something that can be learned, developed, improved and perfected.

I hope that these ideas are useful to you, I guess it’s hard for me to know — sometimes I struggle with articulation — it’s hard for me to know if these ideas are as life changing for other people as they were for me but for me. Looking at life has a series of skills to be developed was very freeing because it eliminated much of the emotion around who I am and who I’m not.

This idea that I’m this kind of person that’s this way and it just made it simpler, made it recognized that, “I’m who I am but I can learn and apply different skills. With the application of different skills over time, I can make major changes in my life.” That’s the core of what I wanted to share with you. It’s hopefully an appropriate New Year’s message.

If 2015 treated you well, congratulations, may 2016 be even better. 2015 treated you poorly, tp borrow another Zig Ziglar aphorism, another one that I always just love, always found very encouraging. Remember this, “Failure is an event, it’s not a person, yesterday ended last night and today is a brand new day.” Sounds cheesy but to me I love that quote and I’ve often said it to myself.

I’m excited about walking with you here, and 2016’s going to be a big year. I thank each and every one of you who listens to the show. A couple of quick announcements as we go. Number one, you will notice if you are someone who subscribes to the show on a mobile device, something like that and also it reads on the website and gets the emails. You’ll notice a delay when in shows being posted to the website, perhaps by as much as a couple of days. This is due to me eliminating a bottle neck in my production line. The bottle neck is producing the graphics for the website.

So if you would like the quickest access to the show, the best way to do that is to subscribe on your phone. Best way to subscribe on the phone is to download our free mobile app. Just search the app store on your phone for Radical Personal Finance, you’ll find our free mobile app and that will allow you to subscribe to the show and you’ll get the shows as soon as they’re published that way. If you have an iPhone, feel free to use my iPhone app or feel free to use the built in Apple Podcasts app, either one is fine or iTunes, any place that you subscribe to the feed like an iTunes subscription, that will be the fastest way to get the shows.

Then the shows will show up on the website a couple of days later after my graphic designer creates the artwork for the show. Just a quick note, hopefully that’s useful to some of you. By the way, if any of you are listening in iTunes and would like to leave the show a review, please leave the show a rating interview, that’s always helpful in the iTunes rankings. If you could take a moment on your phone, just do that, you could do it right from within the Apple podcast app. Just hit the star, leave a quick one sentence rating interview. That would be super helpful. And I will be back with you tomorrow with a great show, thanks for listening.

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