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Radical Personal Finance

1122-A New Year, A Genuinely New You: Face The World With A Clear Conscience

Radical Personal Finance

Joshua J. Sheats, MSFS, CFP, CLU, ChFC, CASL, RHU, REBC, CAP

Self-improvement, Business, Education, Investing

4.21.9K Ratings

🗓️ 1 January 2026

⏱️ 61 minutes

🧾️ Download transcript

Summary

Wouldn't you like to be able to walk through life with a clean conscience, unashamed by anything anyone can say about you? Time for a new year and a new you.

The audio I played comes from: https://youtu.be/sm01jY4IDow?si=sctPq2-PYAcWUP3j 

Transcript

Click on a timestamp to play from that location

0:00.0

Welcome to Radical Personal Finance Show dedicated to providing you with the knowledge, skills, insight, and encouragement you need to live a rich and meaningful life now, while building a plan for financial freedom in 10 years or less.

0:10.4

My name is Joshua Sheets. Happy 2026. Today is New Year's Day, 26. And on this New Year's Day, I would like to share with you how today this entire year and for the rest of your life,

0:27.1

you can find freedom.

0:31.1

Basically immediately.

0:33.1

Begin with 70 seconds of audio.

0:35.4

This audio is something that I have been waiting for for a very long time.

0:40.2

This is Nick Shirley, the independent citizen journalist, who this week has raised a furor with his media expose of the alleged Somali fraud in child care centers and home health care centers in Minnesota.

0:56.0

And this 70-second clip comes from the Patrick Bet David podcast where Nick Shirley is being

1:01.4

interviewed by Patrick. Listen in. These people are like, I saw something. Someone's calling me

1:07.1

like a PDF. They're saying all these crazy allegations. I'm like, what sucks for them is

1:12.4

they're never going to be able to get me. I don't drink alcohol. I don't do drugs. I'm a virgin. I don't have sex with random girls. You're not going to catch me on no sexual allegation charges. I don't have any addictions. I don't have any vices. So where are these people going to get me for? They're done.

1:45.7

I'm a religious. I believe in God. I'm everything they hate. I love that. So what are they going to get me for? They can't get me for anything. Like, they're going to come after me for my personality or for a stunt I did in high school maybe. That's maybe the best thing they could get me for is for Nick's really being a young, reckless teenager, just like any other YouTube prankster,

1:47.2

go ahead, I don't care.

1:49.9

Like, I have nothing to hide. Like,

1:55.5

I literally have nothing to hide. So, like, I am going to become their worst enemy. You're going to start seeing them using the slandering tactic, and it's just going to be comical for me because

1:59.6

they have, they can't get

2:01.0

anything on me but and by the way i've lived my life the way i've lived my life and the way i do

2:06.3

live my life is a matter of fact a way i have my morals i have my principles i surround myself

2:12.2

with primarily just my family is that not refreshing is that not the kind of thing that you yearn to hear when you hear

2:21.4

nasty things about somebody? Do you not appreciate hearing a young man say, not only is this not true,

2:27.0

but there's no way it could be true? Friends, I've been waiting for that defense for a very long time.

2:33.1

I've watched a lot of people over the years

...

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