Welcome to Radical Personal Finance, a 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.

My name is Josh Rashita. I'm your host. Today is Friday, December 19, 2025. And on this Friday, as we do on the Fridays, in which I can arrange a microphone and time to record and all the appropriate technology, we do live Q&A. You call in, talk about anything that you want, ask any questions

that you want, raise any topics of conversation that you want. By the way, these calls have been

extremely light over the past weeks and months. And so while some of that is my fault, some of it

has been many times I show up to the phone,

and we don't have very many callers.

I meter these calls using the Patreon page in order to make sure that I don't have 20 to 30 calls,

which is a little bit overwhelming.

So usually when I meter these with the Patreon page, then I wind up with three, four, five,

which is very doable.

But if you would like to speak to me and you'd like to do so at one of your cheapest opportunities

where it's inexpensive, doesn't cost you much, gives me a great chance to interact with you,

you get to guide the show.

I would be thrilled if you would do that on a Friday Q&A show.

You can join these calls by going to patreon.com slash radical personal finance.

Patreon.com slash radical personal finance.

Sign up to support the show there on Patreon and you will gain access to one of these calls.

We begin today with Mike in Texas.

Welcome to the show.

How can I serve you today, sir?

Thank you very much, Josh. I listened with great interest to your last episode with Gregory Treat. It was somewhat of a rambling discussion,

but covered a lot of excellent topics and a lot of good future content there, I think. I am wondering

...