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 Joshua, I am your host and today we continue with

part two of my series. You don't have to be smart to become financially

independent, but you can't be stupid.

And today we talk about expenses.

This series is organized around my framework for wealth.

Part one was increase income.

If you can do nothing else with money except increase income, you'll naturally have more money.

But step two is decrease expenses.

Now I love to think and talk about ways of cutting expenses to the bone.

I love to think and talk about really radical lifestyle decisions.

But realistically, not many people will do those things.

But here's the great news. You don't have to do those radical

crazy ideas in order to be financially independent. You just can't be stupid with your money.

Now if you look at the way that most people spend their money there are a few expenses that make up a big portion of the error.

And since this series is focused on simply avoiding stupidity,

not trying to make you do something Uber smart,

just saying that you can't be stupid. Let me talk to you about

some big danger zones. Number one, the biggest expense that most of us will face in our life

is taxes. Now taxes for the common man, which is what my approach is in this show taxes are not

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