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Welcome to Radical Personal Finance, a show dedicated to providing you with 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 Sheets. I'm your host. Today, I want to explore some big picture foundational

causal thinking with you. One of the great passions that I personally have

is to think about, identify, and maximize all of the underlying causes that lead to success,

rather than wasting time, frittering about with surface-level stuff. Let me draw a logical example

from the world of mainstream financial planning all the way back. Many people

falsely think that in order for them to get rich, they have to have the right investment.

And so they spend a lot of time thinking about and wondering about what should I invest in.

It's a very common question that financial experts hear, what should I invest in?

And it's not that that's an entirely unimportant question. It is an important question.

But it's not the foundational question. And I personally frequently frustrate people,

because I say, well, hold on, before I answer that question of what should I invest in,

let's back all the way up. And that can be a little annoying when someone just wants a 60-second

answer and tell me three stocks or three mutual funds or three types of real estate or three

regions of my city or my state or my country or three regions of the world where I should invest my

money. But it's not the truly correct answer. If you think about something like an investment,

the actual choice of what to invest in, meaning let's go with stocks and mutual funds because

...