RPF Academy: Walking With You to Build Financial Freedom, One Small Step at a Time

Dear Radical,

I've worked on the Radical Personal Finance podcast for more than 10 years, recording over 1,000 episodes, all focused on trying to teach you the most effective and powerful strategies to help you to live a rich and meaningful life now while building a plan for financial freedom in 10 years or less.

I'm proud of that work and it has helped many thousands of people to make enormous progress towards their goals and to increase their wealth substantially.

However, it's not perfect. Why? 

Quite simply, it's too much. Too much time to listen to all those shows and not enough organization. Not enough clear action steps, presented in order. Not enough clear checklists and not enough personalized advice.

With the Radical Personal Finance Academy, I have now come up with solutions to these weaknesses.

In this academy you will receive:

• A clear, comprehensive, properly structured personal finance curriculum presented to you in the ideal order of action. I will explain to you exactly what you need to do to win at each stage of your finance journey.
• Personalized advice: you will have two different private consultations with me (Joshua) to make certain your are focused on the most important areas for where you are currently.
• Efficient use of your time: each class will open with a simple question and an Executive Summary. With about 5 minutes of your time you will know whether you need to take the class or just check ✓DONE and move on.
• Personalized action plans: each module will feature Chat GPT prompts and examples, showing you how to get customized AI advice in order to implement the ideas involved.

I have taken everything I know about coaching people towards financial freedom and put it into this Academy. I hope you love it!

You will be able to schedule your private consultation with me immediately after you enroll in the course. The live webinar of the first module of the course will be on Saturday, December 7, 2024 and each module will be recorded and released weekly thereafter. (I want to make certain you have your systems set up to record an entire years worth of data on January 1.)

Please enroll today and let's make 2025 your best and most profitable year ever!

Joshua

WORKING OUTLINE OF CLASS TOPICS
Here is my current working list of class titles and topics. (This is direct from my working notes, so it's subject to change. But this should give you a good idea of what I have planned for you.):

1. Personal Financial Statements: Building a Useful Financial Dashboard The first step to a radical transformation of your finances is to get very clear on where you are. (CFP B.8 Financial statements)
2. Personal Financial Controls: How to Build Functional, Low Friction Cashflow Systems Practically Guaranteed to Lead to Wealth After you know where you are, you need to establish effective controls on cashflow. (CFP: B.9 Cash flow management)
3. Personal Financial Projections: How to Project Your Future Financial Condition In order to make good decisions, you need to be able to project where your current decisions will take you and then model the relevant changes.
4. Debt Crisis Management (How to Get Out of Massive Debt and Escape Bankruptcy) If you are facing a personal debt crisis, you need to know and use the extreme strategies to help you escape. (CFP: B.10 Financing strategies and debt management)
5. Wealth Accumulation Now: 10-Year Action Strategies That Work for Early Retirement, Normal Retirement and General Wealth-building If you want the fast and simple things you can do now to ensure massive wealth accumulation, begin here.
6. The Personal Financial Planning Process: Be Your Own Planner or Work More Effectively With a Pro (Envisioning Your Ideal Future) Understanding the financial planning process so you can work more effectively with a professional planner or be your own planner. (CFP: B.7 Financial planning process)
7. Personal and Interpersonal Behavior Management: Money Isn't Primarily Math; It's Behavior (Introduction to the Framework of Wealth) If you understand personal psychological motivations and the science of behavioral finance, you and your family will be better able to achieve your goals in the long-term. (CFP: H.66 Behavioral finance, H.67 Sources of money conflict, H.68 Principles of counseling)
8. How to Increase Your Income, Immediately and in the Long-Term Your income is your most powerful and important wealth-building tool. If you understand the pathways that lead to maximizing your income, you will be able to proceed steadily down them.
9. Career & Income Planning: Long Term-Strategic Thinking Building a long-term career plan that will result in an enormous income is the single most important factor in your long-term wealth plan and satisfaction in life.
10. Career & Income Planning: Short-Term Actions That Set You Up For Quick Wins The Long-Term Vision is what will guide you, but actions today are where you'll get results. Here's what you can do today, immediately.
11. How to Decrease Your Expenses, Immediately and in the Long-Term: The Big, Quick Results
    In order for you to build wealth quickly and effectively, your expenses must be dramatically lower than your income. Here is how you lower the biggest expenses for the biggest wins.
12. How to Decrease Your Expenses, Immediately and in the Long-Term: The Smaller, Steady Expenses That Add Up Over Time After you tackle the biggest expenses, you next need to tackle the steady, smaller expenses. Cumulatively (together and over time), these make an enormous difference.
13. Emergency Fund Planning The basic form of preparedness to deal with unexpected loss is to have money saved in the form of an emergency fund. In this module we discuss how your emergency funds will change throughout your wealth journey and where/how to hold the funds. (CFP: B.9: Cash Flow Management-repeat)
14. General Risk Management and Insurance Concepts (CFP: C.17 Principles of risk and insurance; C.26 Insurance policy and company selection; C.18 Analysis and evaluation of risk exposures; C.25 Insurance needs analysis; A.3 Function, purpose, and general structure of financial institutions
15. Disability Income Insurance Planning Disability Income Insurance is the most important insurance you can purchase. (CFP:C.20 Disability income insurance (individual and group))
16. Health Insurance Planning Health Insurance is the insurance you're likely to interact with the most frequently. (CFP: C.19 Health insurance and health care cost management (individual and group))
17. Life Insurance Planning (Protection) Life Insurance planning is one of the most rewarding areas of risk management planning. In the time of greatest grief, financial provision is there. (CFP: C.23 Life insurance (individual and group))
18. Life Insurance As a Cash Accumulation Vehicle Permanent life insurance policies can protect in the case of death as well as accumulate cash. Here we go deep into life insurance as an accumulation vehicle.
19. Property & Casualty Insurance Planning A general course on the basics of property and casualty insurance policies, their provisions, and planning considerations.
20. Liability Insurance Planning Understanding liability, a core concept of asset protection planning, and understanding how to mitigate and reduce the risks.
21. Long-Term Care Insurance Understanding long-term care insurance and its applications. (CFP: C.21 Long-term care insurance and long-term case planning (individual and group))
22. Business Owner Special Strategies and Insurance Solutions Discussion of the unique planning ideas suitable for business owners. (CFP: C.24 Business owner insurance solutions)
23. Retirement Planning: Obviating Retirement
24. Retirement Planning: Accumulating for Retirement
25. Retirement Planning: Planning for Retirement (CFP: F.44 Retirement needs analysis; F.45 Social Security and Medicare planning; F.47 Types of retirement plans; F.48 Qualified plan rules and options; F.49 Non-qualified plan rules and options; F.50 Key factors affecting plan selection for businesses)
26. Retirement Planning: Living in Retirement (CFP: F.52 Retirement income and distribution strategies; F.51 Distribution rules and taxation; F.53 Business succession planning)
27. Eldercare and Special Needs Planning (CFP: F.46 Eldercare and special needs planning)
28. Investment Planning: Basic Concepts (CFP: B.11 Economic concepts B.12 Time value of money concepts and calculations; D.28 Types of investment risk; D.29 Market cycles; D.30 Quantitative investment concepts and measures of investment returns; D.32 Bond and stock valuation concepts)
29. Investment Planning: Investing Into People and a Personal Network
30. Investment Planning: Investment Vehicles (CFP: D.27 Characteristics, uses and taxation of investment vehicles)
31. Investment Planning: Investment Strategies (CFP: D.34 Investment strategies; D.31 Asset allocation and portfolio diversification; D.33 Portfolio development and analysis)
32. Investment Planning: Annuities (CFP: C.22 Qualified and Non-Qualified Annuities)
33. Investment Planning: Real Estate Homeownership
34. Investment Planning: Rental Property Ownership
35. Investment Planning: Alternative Investments (CFP: D.35 Alternative investments and liquidity risk)
36. Investment Planning: Alternative Investments: Gold & Silver
37. Investment Planning: Alternative Investments: Offshore Investing
38. Education Planning: Foundations of Real Education Planning
39. Education Planning: Technical Financial Concepts (CFP: B.13 Education needs analysis; B.14 Education savings vehicles; B.15 Education funding)
40. Education Planning: Student-Led Strategies Scholarship Planning
41. Tax Planning: Domestic (CFP: B.16 Gift / income tax strategies; E.36 Fundamental and current tax law; E.37 Income tax fundamentals and calculations; E.38 Characteristics and income taxation of business entities; E.39 Income taxation of trusts and estates; E.40 Tax reduction/management techniques; E.41 Tax consequences of property transactions; E.42 Tax implications of special circumstances; E.43 Charitable/philanthropic contributions and deductions)
42. Tax Planning: Offshore
43. Personal Estate Planning: Entry-Level (CFP: G.54 Property titling and beneficiary designations; G.55 Strategies to transfer property; G.56 Estate and incapacity planning documents)
44. Personal Estate Planning: Wealthy (CFP: G.57 Gift, estate, and GST tax compliance and calculation; G.58 Sources for estate liquidity; G.59 Types, features, and taxation of trusts; G.60 Marital deduction; G.61 Intra-family and other business transfer techniques; G.62 Postmortem estate planning techniques)
45. Special Needs Planning (CFP: G.64 Planning for special needs and circumstances)
46. How to Attract a World-Class Spouse For Wealth- and Dynasty-Planning
47. Marriage Planning Financial Planning for Non-Income Earning Spouses
48. Divorce Planning (CFP: G.63 Planning for divorce, unmarried couples and other special circumstances)
49. Personal Preparedness Planning (CFP: H.70 Crisis events with severe consequences)
50. Asset Protection Planning: Entry-Level
51. Asset Protection Planning: Sophisticated
52. Dynasty Planning How to set your children's children's children up for life, financially and otherwise.
53. Specialty Financial Professional Topics (CFP: A.1 CFP Board's Code of Ethics and Standards of Conduct; A.2 CFP Board’s Procedural Rules; A.4 Financial services regulations and requirements; A.5 Consumer protection laws; A.6 Fiduciary standard and application; H.65 Client and planner attitudes, values, biases; H.69 General principles of effective communication)

If those sound good to you, join the course today! Just click "PURCHASE OFFER" in the top right corner.

Joshua