Radical Testimonials

Don't take my word for it! Here's what others are saying about the Radical Personal Finance Podcast.
  • Low Yield info
    by Cortonwood on November 20, 2018 at 3:06 pm

    Lots of fluffy ‘theory’ and little practical info. In the episodes I listened to it was about 5 min of info in a 40 min podcast. For example in two asset protection episodes, he talked about locking your doors, protect your health, and that Planned Parenthood kills millions of babies. I was hoping for info on protecting assets through trusts, LLC’s, and dividing among spouses... […]

  • A truly holistic view of financial life
    by ADanRN on November 8, 2018 at 11:50 pm

    This podcast truly synthesizes the complex mathematical world of personal finance with the emotional "human" side of life. Joshua embraces the humanity behind the numbers that we're all struggling to calculate on a daily basis, and he does so in a way that motivates the listener to strive ever higher toward acheiving financial goals. […]

  • Well done
    by Matt from CLE on October 30, 2018 at 11:45 pm

    I really enjoy this podcast. Very intelligent and thought provoking. Researches facts well. […]

  • Can’t believe this is free!
    by o0chowmein0o on October 23, 2018 at 4:30 pm

    A truly comprehensive look at finances. Joshua looks at each subject matter from all angles, many I would not have considered, and this has enriched my knowledge so much! […]

  • Remnant
    by gene.grindle on October 21, 2018 at 5:40 pm

    I appreciate this podcast. The essays, higher level material, word choice. I’ve learned a lot Gives me ideas and material to research further. Trinity study, status signaling, permanent portfolio, and many other terms and concepts that have opened my eyes Don’t dumb it down […]

  • Love his perspective
    by Vosey2003 on October 13, 2018 at 1:16 pm

    Have been really enjoying this podcast. Look forward to every episode. He blends personal finance into a multitude of topics and comes at them from a different perspective than most blogs or podcasts. Interesting and thought provoking. […]

  • Useful information that challenges the mind
    by TSW51 on October 1, 2018 at 11:32 pm

    Love Joshua’s authenticity and doesn’t try to be politically correct due to cowardice. He is intelligent, down-to-earth, and humble (very hard to come by these days), gives very useful, balanced and practical advice. His content is always engaging and interesting. His insight into life and money is simply one-of-a-kind, he is one of the wisest men I’ve come across in life so that says a lot. All I can say is, his insight into finance emerges on top of a heart that wants to give and help, and serve others. Thanks Joshua for giving the world a chance to hear all these gems that are so hard to find but so needed. […]

  • Leads with the philosophy of wealth
    by TeamGoldenMean31 on September 16, 2018 at 5:52 pm

    Josh does an incredible job of weaving practical financial advice with a strong & original philosophy of wealth. A fantastic listen. […]

  • Open minded and in depth
    by Open minded people enlightenin on September 13, 2018 at 6:19 am

    Only up to episode 25 but currently liking the show a good deal. Joshua is open minded to his approach to finance and goes into great length on topics. […]

  • Excellent Podcast
    by Lindsey B 23 on September 8, 2018 at 4:13 pm

    I love both the breadth and depth of this podcast. The vast variety of topics means there is something for everyone, but I really like how deep Joshua goes into each topic. In other financial podcasts I’m left wondering about the steps taken or the process, but Joshua gets into the details and provides such valuable information. Great podcast! […]

  • Really Changed
    by Nateab87 on August 6, 2018 at 11:40 pm

    The anecdotal story from the road was awesome but I originally subscribed to listen to a personal finance podcast that would be applicable to my life. Don’t get me wrong it’s great content for people wanting an alternate lifestyle but just not really applicable to me anymore. disappointed here lately and hope you can come back with some content that is applicable to the rest of us. I would love to keep on listening bc I think your stuff was pretty awesom […]

  • 5/5
    by Cougarfan13765 on July 29, 2018 at 5:29 pm

    Love this guy! So informative and helpful to a young business man! […]

  • Out of touch
    by Jill-SanJose on July 26, 2018 at 9:12 pm

    There’s some solid advice in here, but there is also a lot of assumed privilege (white privilege, male privilege, able-bodied privilege, etc). I live the Bay Area so advice like “just buy a modest home and make extra payments” really doesn’t apply in our insane housing market. Many of his personal examples seem to be from men who started out decades ago, and their stories may not really apply to younger generations who face different realities. He gives all his advice in a tone of “well obviously” without acknowledging that not everyone starts off middle class with access to the same opportunities. For instance, he suggests that you should take lots of overtime to make extra money, but the current trend is to force workers to work only part time to avoid providing benefits. There’s a lot of “bootstrap” advice, and while I agree we should all work hard and make the most of our situations, it would be more palatable if it seemed more in touch with the real obstacles that most people face. […]

  • Episodes on repeat
    by zach-man-doo on July 23, 2018 at 3:01 am

    I have listened to this podcast religiously for over two years now. From his early episodes like #2 and #3, progressing through the years of episodes such as #192 #193 #194, on to his more current episodes like #536, I have listened to certain episodes at least a half a dozen times each! The amount of knowledge that Josh passes on to you the listener is as large as it is deep. He attacks finance from an immense and an ever increasing amount of angles. From traditional topics of 401k and real estate to how save your family money on your burial, to how to arrest proof yourself, no stone is being left unturned! I have personally benefitted in multiple ways and write this review in the hopes that other may find this podcast and benefit in the same manner. Stay radical! […]

  • Appreciate your diligence
    by Ric MP on July 7, 2018 at 10:01 pm

    I started listening a a few months ago and appreciate especially those episodes with greater personal finance content. I am not “radical” at all about how I think about investing and spending (60-year old lawyer), but still value the often unconventional and refreshing ways that Josh thinks about life and problems. Josh, but hope you have a great road trip with your family. You will never forget it! Don’t sweat the small stuff re production quality. […]

  • What a hurtful podcast 🙁 #557
    by Pretty as I am on July 3, 2018 at 10:06 pm

    Today I listened to Radical Personal Finance for the first time hoping to feel inspired. Instead I felt as though he was bullying black folks with the whole “slavery” example. So distasteful. The message felt extremely biased and I won’t be listening to another episode. Nobody is perfect but I couldn’t help but feel like the bulk of his discussion was targeted at lower income blacks. He used words such as “Massa” (a word slaves used to call Master) In short I’m terribly turned off by this racist so-called financial expert...not hardly a financially inspired podcast. I do plan on sharing my hurtful experience on Facebook and other social media outlets. What a shame... Bias Bully […]

  • Don’t bother subscribing
    by Tasha_Fi on June 27, 2018 at 11:32 pm

    Unsubscribing. This podcast has less about personal finance of late and more about his privileged politics. His content has really really gone downhill lately. The last straw for me was when he advocated for the dismantle of public education. I’m done. […]

  • Mostly great.
    by rnaymilddebts on June 25, 2018 at 3:21 am

    If you have a very strong political leaning towards the left, you might hit a hard wall listening to this podcast. Joshua does a generally great job at leaving the meat of his message free of conservative or religious influence, but it does come up here and there. Personally, I don’t often identify with some of the things I hear relating to religious reference or the occasional conservative bit, but I think his main message is on point for me. Lots of bad reviews here are focused on his mild tendency to talk about guns, use religious reference etc. If you listen past that, and don’t agree, you’ll find he has very practical advice to provide. […]

  • Didn’t like the episode on guns
    by no to guns on June 22, 2018 at 3:20 am

    Stopped listening after the episode on guns […]

  • Excellent!!
    by Vballdavid05 on June 19, 2018 at 4:25 am

    Great content! […]

  • Love the pod
    by Dave J from Mass. on June 13, 2018 at 12:56 pm

    Joshua takes on great subjects and calls out the truth when dealing with issues, related to finance, that others would not dare to discuss. His smooth delivery makes these discussion adult and honest with the listeners. Great listen and please continue Joshua. Thanks for your help. […]

  • Jarring, Intense, and Stress-inducing
    by cfkells on June 11, 2018 at 3:57 am

    I’ve tried a couple times to listen to episodes from this podcast since it was recommended by my FI group, but each time I’ve had to cut it off midway through because I found myself extremely stressed by the intensity in the “wanting his ‘servants’ (repeated ad nauseam, we get it, someone who provides a service is a servant) to be wealthy too” episode, the tone of underlying bitterness against the public school system in the public school episode is jarring- his gross assessment of the experience of the general public and the school system is inaccurate at best and inflammatory at worst. He’s entitled to his opinions, to be sure, but the experience of listening is just not pleasant. […]

  • Public school
    by smithkells on June 11, 2018 at 3:23 am

    Did not appreciate the episode on public schools. Privatizing public education is very dangerous. It reminds me of this John Green quote: Public education does not exist for the benefit of students or the benefit of their parents. It exists for the benefit of the social order. We have discovered as a species that it is useful to have an educated population. You do not need to be a student or have a child who is a student to benefit from public education. Every second of every day of your life, you benefit from public education. So let me explain why I like to pay taxes for schools, even though I don't personally have a kid in school: It's because I don't like living in a country with a bunch of stupid people. […]

  • PREACHIE keen...no thank you.
    by CL1971 on June 9, 2018 at 8:53 pm

    If you’re not a devout Christian this guys preaching will drive you mad. For content focused financial pods casting, look elsewhere. It’s a big world. And if you love this guy and the echo chamber of your beliefs, preachie keen for you!:) […]

  • Religious right-winger
    by Vendicott on June 9, 2018 at 1:15 pm

    For helpful (and enjoyable!) personal finance discussion, I'd suggest Afford Anything or Stacking Benjamins. If sneering contempt for public schools, Bible verses, and libertarian rants is what you want, RPF is your zone. […]

  • It’s getting old
    by emb145ca on June 8, 2018 at 1:43 pm

    I’ve been listening for a while ( about 9 months) and it could just be in my mind but I feel like the host is preaching at me a lot more than he used to. I’m also not a fan of his almost aloofness in addressing certain topics. I can respect the fact that Christianity informs your world view but there isn’t really the need to include it in every aspect of every topic. The host should just become a preacher, because there is almost no actual financial advice offered. […]

  • We get it
    by Kammerman33 on June 7, 2018 at 1:05 pm

    Dude, just get to the point. I started lisetning after someone else telling me to. Spends way too much time talking about crap that doesnt matter. Dont spend the first ten minutes telling me how smart you are and how much math has been done. Good hell. We get that youre smart and know your stuff. No reason to just sit there and tell us. […]

  • RPF
    by TerreroI on May 27, 2018 at 12:24 am

    This podcast is different in a good way. It combines the best of Dave Ramsey , FI and entreprenuership with a biblical perspective. Always look forward to the release of a new podcast. Ivan […]

  • Radical & Personal...No Doubt
    by Cda Laight on May 25, 2018 at 1:50 am

    Such a fine guide of how to “live a rich life”. Josh is so expert & on key to anybody’s personal situation. Hooked on RPF, thanks, […]

  • Great listen
    by Unbiased Observer on May 18, 2018 at 2:43 pm

    Josh does a great job with laying out advice on how to successfully look at your finances. Highly recommended podcast! […]

  • Selling some financial program and bible verses
    by Synesthë on May 16, 2018 at 11:23 pm

    Honestly this podcast is mostly the host trying to get you to buy his financial program (for $300!) plus bible verses and scripture. There are much better personal finance podcast out there that don’t try to make money off of selling listeners bogus programs. […]

  • Radically Good Personal Finance Podcast!
    by Andre "The Giant" Roussimoff on May 16, 2018 at 1:57 pm

    Joshua provides great advice on a huge variety of topics that aren't at first obvious. His take on personal finance is different than anyone else I have come across including: how to enjoy your life now, how to gain financial independence within 10 years and even his ideas on protecting your privacy and personal freedom. Really can't recommend this podcast enough to anyone looking for solid personal finance advice with a touch of old school American values. […]

  • Practical and interesting ways to look at finance!
    by AndrewinMaine on May 11, 2018 at 1:10 pm

    I have been a subscriber to this podcast for years! I am self employed in a "blue collar" industry and financial andvise is rarely worth listening to. I also happen to be a libertarian. I love the diffrent point of view that Joshua brings to the table. I was drawn in orginally by people who would lower income to avoid paying taxes to support the war machine! But I am hooked with the practical advise on paying cash for vehicles, not getting caught up with keeping up with the trends. The past few episodes have been very helpful and I pass them on to friends who are unhappy with their corperate carrers. I am 29 supporting 3 children and my wife. If you are looking to stray from the staus quo and think differently I suggest you listen to this podcast. Sorry I haven't paid you yet for your content! […]

  • Enjoying
    by Toppak on May 9, 2018 at 6:03 pm

    I found this podcast when searching out information on health sharing ministries. I enjoyed it so much I have continued to listen to several other episodes. […]

  • Check with my minister
    by Dfalchek on April 24, 2018 at 9:46 pm

    Looking for another personal finance podcast in addition to Clark Howard and checked out Joshua Sheats. First up, he offered the best 2-minute description of HSAs every recorded. I'm thinking, great -- this guy is serious, very well informed, etc., how do I subscribe? Then he whiplashes into "Disciples of the Gospel of Christ need to promote the church," and i realize he is worst than than anti-debt Bible Quoting Good Ole' Boy on AM radio. Joshua just has more initials and lives in a better Zip code. The Prosperty Gospel has drawn too many of these types into financial planning. Can't they label their podcast with crucifix or something? I'll no sooner take spiritual advice from a financial planner than from my mechanic or gardener. […]

  • A ranting libertarian
    by tuckjosh on April 14, 2018 at 1:14 pm

    Personal finance? More like personal politics. This is just another example of the individualistic me-me-me money man who sees no broader picture than his own “personal freedom.” […]

  • Great life lessons
    by Jpmsem12323434 on April 9, 2018 at 7:52 pm

    Thanks for all the financial education. There is so much to learn from this podcast. Thanks! […]

  • Podcast content no longer about finance
    by WanderingStacey on March 26, 2018 at 10:53 pm

    I started listening to this podcast in 2017 and found the podcast helpful and most topics decently well reseached. However, in 2018 the content started shifting away from finance and has become a platform for Joshua's political opinions. For example, there was a very long episode/rant about why teachers should carry weapons. One's opinion on this is their own opinion, but it did not relate to finance and what the podcast markets itself to be. (Also worth mentioning, it failed in the research department as Joshua failed to offer any evaluation of the topic other than making a case for his opinion.) I started to just skip the episodes that did not relate to personal finance but I've found this so common that I've just unsubscribed. […]

    by Cali MusicLover on March 22, 2018 at 5:58 pm

    The host Joshua is a very knowledgeable and well credentialed young man on many different aspects of personal finance. The older episodes where Josh would stay on the topic of personal finance are often very helpful and contain useful, practical personal finance information. In many recent episodes, however, the host has chosen to change the format of the show, becoming more of a "shock jock" "media personality" like Howard Stern or Rush Limbaugh, in an apparent effort to stir controversy and maybe boost his show's ratings and listenership? The show has recently become a platform for the host's right wing opinions on Pro guns (e.g., "How to Buy an AR-15 Rifle"), Religion, politics and other such op ed pieces not related to personal finance. I SUGGEST THAT YOU LOOK ELSEWHERE IF YOU ARE LOOKING FOR PRACTICAL INFORMATION RELATED TO PERSONAL FINANCE. The show content has taken a turn for the worse. Bring back practical and actionable information on personal finance. Spare us the host's opinions on unrelated topics like guns, politics and religion. […]

  • Sound financial advice but getting distasteful with off-topic material - promoting AR-15s
    by The Honest JE on March 22, 2018 at 2:17 am

    I've been a listener for quite a while, and listeded to most of the episodes and Joshua has given good level-headed advice for the most part. He's knowledgable about his field and he presents the information in a clear, compelling way. I would love to give him 5 stars for that. A few months ago, I would have done just that. The recent direction dings it quite a bit, so it basically averages out to 3. My main disappointment is a recent disturbing direction in the show's content, particularly promoting dissemination of AR15s to the civilian population, during a time when the USA is uniquely situated well above our benchmark peer nations in gun violence and the laissez faire attitude towards all kinds of unvetted people having access to deadly weapons. I know people have their different opinions on these issues, but frankly, this is in poor taste and poor judgment, particularly for an unrelated financial podcast, and particularly in the time we're in. I am disheartened and disappointed that the show has taken this direction because unlike other pundits who focus on this kind of thing, I would have expected more from the show based on its past exemplary performance. I was even considering becoming a Patreon, but that's off the table for me now due to this new direction the show is taking. I was totally good with Joshua's testimonies of faith, unlike some of the other posters, so that was great from my standpoint as a listener, but I don't feel that way about this issue. It disappoints me to say that at this point, I'm going to need to move on and part ways as a listener. Maybe (?) someday I can check back with this podcast, but it will take a change of heart on the approach the show takes for that to happen. […]

  • Pro-gun after school shootings
    by Smokin2long on March 21, 2018 at 5:04 pm

    Super distasteful episode about “how to buy an AR15 rifle” released the day after ANOTHER school shooting with CHILD FATALITIES. Unacceptable. Shame on this content creator. I am unsubscribing. […]

  • Sorry I had to unsubscribe
    by brown_is_beatiful on March 21, 2018 at 4:24 am

    I’m sure I’m in the minority here but I am solely unsubscribing due to a conflict of core beliefs, Joshua has a unique financial mind and was a breath of fresh air in the sea of finance podcasts. Recently Joshua decided his platform needed more of his personal views on seemingly non-finance related topics (As he has the right to) and explaining in a way that relates back to personal finance in a roundabout way. Unfortunately for some (again probably a minority) these topics include a obviously conservative view which includes a disgust for gun control. Again this is his right both from 1st and 2nd amendment but He even said he was getting bored talking about personal finance and this podcast is having too much of a political bias for someone like me. The last straw was this last episode about purchasing an AR rifle on a day where we had another school shooting. I feel he should put these types of podcast under a different channel. But again it’s his choice, just like it’s mine to leave this review and unsubscribe. Bottom line: if you like a podcast with a mix of personal finance with a politicized twist that’s unapologetic conservative, sure you’ll love this. If you feel it’s in bad taste to talk about how to obtain a gun on a day that we had another school shooting then skip this and listen to other podcast who stick to personal finance. […]

  • Where's the Financial Advice?
    by donmcdonald on March 19, 2018 at 9:38 pm

    It sure takes some digging to find financial advice and when you finally scrape some up it ends up being Dave Ramsey lite and often just plain wrong. This young man has lots of credentials but seems to lack serious investment knowledge. Not once during his Roth-IRA podcast did he mention the biggest benefit to a Roth IRA: TAX-FREE growth! Forever! It's as if he doesn't know this. He blathers on about the benefit of no required RMD, but after listening for 12 minutes (when I reached maximum patience capacity), he never said, "Oh, and Roths are tax-free." Folks, this is not a real invesment advisor or financial planner, despite his education. He is a former insurance agent, period! I can't believe how many bad investing podcasts are among Apple's most popular! […]

  • Lots of great content!
    by PF Addict on March 19, 2018 at 4:19 pm

    I've been listening for a few years and find the podcast very educational and enlightening on a wide range of topics. Some that have to do explicitly with personal finance, and others that are taking a different angle but are still pertinent. He has gotten a bit preachy (Biblical) as of late but I don't personally mind. If one does mind, there is volumionus amounts of previous content that one can listen to and be educated on various topics of financial planning. Pretty much any of his podcasts are well worth the time to listen to. […]

  • Burning out
    by Ant kills birds on March 18, 2018 at 6:42 pm

    I think Joshuas first 100 episodes were pretty solid. However, I feel as though he is forcing the content on the episodes after 100, only a handful I found had the same level of quality. Feels like he is rushing to 1000 episodes for numbers sake and then has a next plan in mind. Very smart and capable personal finance person though, just needs to take a break from the daily episodes. Unless he wants to turn it into a news style podcast similar to the real estate one by Kathy V. […]

  • Good in parts
    by James Revue on March 9, 2018 at 5:17 am

    He has a good voice, has some great ideas and is definitely smart. But show after show he just keeps going tangential and off topic. He gets evidence to support his point of view but "conveniently" omits other evidence. The gun episode especially comes to mind which was kind of like the last straw for me. On one hand he professes that he is a true Christian as outlined by his thoughts on virginity and abortion, but when it comes to guns he supports it going against the basic tenants of christianity which is all about love and peace. Like he mentions in the podcast, he doesnt really care for others opinions and if we feel we dont get value from it we should leave. I was initially a patron of his show but now will listen to it for free choosing what I want to hear and not without supporting him. I do get value from some of his shows, but am not going to encourage him by giving a financial incentive. […]

  • You lost me on the guns episode
    by mobsite on March 8, 2018 at 12:39 am

    While I appreciate your willingness to delve into controversial content, I was disappointed to hear your oversimplification of the political and regulatory impacts of gun ownership. A clear bias was revealed in your oversimplification of the refining of gun laws already in place; by jokingly suggesting that people may be considered criminals due to new and refined laws. Poor form. Unsubscribing. Btw, you pontificate too much in general. It's boring. […]

  • Bible study
    by SAV 74 on March 4, 2018 at 9:04 pm

    I was hoping to get something out of this, but was turned off by the host taking like preacher. Acting like everything he says has the weight to be quoted. Then, sure enough, he started reading a bible versus. Finance was buried somewhere, but I am not going to hang around to find it. […]

  • Very informative!
    by TimB65 on March 1, 2018 at 12:25 am

    This pod cast covers a huge range of topics. I started from the beginning and found it to be a little bit of a downer (idk why maybe I am just used to the motivation of Dave Ramsey). However since then I have been jumping around the years of pod casts and choose the topic strings that pertain to me. Joshua has been a huge influence on me! I have been enjoying his interpretation and thought processes of how to live life in balance but focusing on what can make the most difference. Keep it up! […]

  • Disappointed in gun talk.
    by Fleanoodle on February 28, 2018 at 4:36 pm

    Even though you claim you’re trying to be “gun-lite” in these recent podcasts, “how to buy your first AR” and “how to assemble a home arsenal on a budget” don’t seem to fit that. MOST IMPORTANTLY, they have nothing to do with personal finance! Claiming it is by saying, “I can’t give you financial advice if you’re dead” is pathetic fear mongering. Myself and, I assume, most of your listeners are here for financial education. But no longer. […]


Submit Your Review

What do you think of the Radical Personal Finance Podcast? Be sure to leave a review for Josh in the iTunes store to share your opinion.

Please understand that I will not be able to respond to every comment. RPF Community Guidelines.


  1. Casey Zangari

    Hey I just want to say thank you. I recently finished college with a degree in computer science and was lucky enough to land a job right out of school which is hard these days. I spend my whole college career with little money, basically paycheck to paycheck if that. Now that I have money I didn’t really know what to do with it. I had several loans for school and had zero direction of how to pay them off. I knew I needed to do something with my money besides spend it as it came in (as was my mindset based on necessity from the last 4 years) but I didn’t know how to save, spend, or invest. I spent a lot of time researching and reading but I really wasn’t looking in the right places. After discovering your podcast and following your suggestions I am a lot more confident about my money and have a consistently evolving plan to become financially independent. Thank you so much for all that you are doing. It’s been so enlightening and I don’t think I could say I am where I am without your help. Sorry if my formatting and grammar is off I’m typing this on my cellphone.

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  2. Brandon

    After listening to your show, you inspired me to change my life. All the shows on early retirement lead me to quit my local truck driving job, and go over the road. I have cut my expenses to almost nothing, and have managed to pay off 7,000 dollars of debt in three months.
    Before I discovered your show it looked like I would never get out of debt. I still have a ways to go, but At this rate I will be debt free in 6 more months.
    You have truly changed my life, thank you so much.

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    • Joshua Sheats

      Brandon, that’s awesome!!! Thank you so much for sharing! Keep up the good work. I hope that my show and many others can bring you huge value in your hours behind the wheel. Stay safe!

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