0:00

Welcome to radical personal finance. I show dedicated

0:02

providing you with the knowledge skills, insight and

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encouragement you need to live a rich and

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meaningful life now while building a plan for

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financial freedom in 10 years or less. On

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today's podcast, I would like to further that

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mission of radical personal finance in

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a physical flesh and blood format

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by inviting you to join me

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for the inaugural radical personal finance

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family camp, which I will be

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hosting in the great state of

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Indiana in about a month and

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a half. I want to give

0:31

you a few minutes of details here on just

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some basic logistics of the event so that those

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of you who know, Hey, I'm all in. You

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immediately know what you need to know and you

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can go and buy your tickets today, and then

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I'll give you a more detailed backstory of

0:45

my experience with events, a little bit more

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about how I'm designing the event, et cetera.

0:49

For those of you who are looking for

0:51

more information. In short,

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I am hosting the inaugural

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radical personal finance family camp

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in Seymour, Indiana during

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the weekend of April 11 to April 14. So

1:04

to help you place the date into

1:06

your mind, you can remember this as

1:08

the weekend before tax day, the weekend

1:10

before tax day, it's also

1:13

going to be the weekend after the

1:15

big solar eclipse, which will be on

1:17

Monday. And the family camp is going

1:19

to be right inside of the totality.

1:21

We weren't able to line up the

1:23

dates exactly, but we were able to

1:26

line up the location. So if you're

1:28

traveling to see the solar eclipse, et

1:30

cetera, this may work out really beautifully for

1:32

you to join us the

1:34

weekend after the solar eclipse. The

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location of the event is

1:39

in Seymour, Indiana, which is

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right smack dab in the

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middle between Indianapolis, Cincinnati,

1:46

and Louisville, Kentucky. So it's

1:48

just South of Indianapolis, Indiana,

1:50

just West of Cincinnati, Ohio,

1:53

and just North of Louisville,

1:55

Kentucky. Uh, very well

1:57

connected. There's tons of great inexpensive.

2:00

flights in and out of those three

2:02

airports and then within driving distance, it's

2:04

less than four hours driving distance from

2:06

Chicago, St. Louis, even less from Nashville,

2:08

etc. And so I hope

2:10

that it's a really great location for

2:13

many of you and a workable date for

2:15

many of you. And in

2:17

essence, what I am planning is what

2:19

I'm calling a family camp weekend. What

2:22

I have built is a three-day

2:26

event. So you will arrive on Thursday

2:28

if you're able to, Thursday afternoon, Thursday

2:30

evening, etc. Then we'll be

2:32

together all day Friday, all day Saturday, half a day Sunday

2:34

and then you will be on your way. And

2:37

my idea is to provide a

2:39

mixture of great education, personal finance

2:41

talks, great lifestyle

2:44

education on various topics related to things

2:46

that I'm into and that you're into

2:49

as well as just a phenomenal time of

2:52

socializing, getting to know one

2:54

another, meaning you and me, also many

2:56

of our friends in the radical personal

2:59

finance community and then abundant camp activities.

3:01

I've rented all the facilities of a

3:03

local church camp. So we have all

3:06

of the various camp facilities available to

3:08

us and I'll go over more details

3:10

of that in a moment. If you know that's it,

3:12

Joshua, I'm in, I'm sold, go

3:15

immediately to radicalfamilycamp.com,

3:18

radicalfamilycamp.com, link in the show

3:21

notes, of course, radicalfamilycamp.com. Coming

3:24

up now, there is a first come,

3:26

first save sale on,

3:28

a significant sale for the first

3:31

20 adult tickets and the first 20 child

3:34

tickets and that sale is valid for one

3:36

week. So if you know

3:38

I'm in, go now, buy those tickets

3:40

before they're all gone at

3:43

radicalfamilycamp.com. If you aren't sure

3:45

or you arrive at this more than a

3:47

week from now, no problem. The tickets are

3:49

still a great price and you'll see on

3:51

the website there if they are available. I

3:53

hope to sell out the event and

3:56

I have kind of a limited number of rooms details on

3:58

that in a little bit. I

4:02

go and check it out radicalfamilycamp.com. Now

4:06

four minutes and four seconds, that was pretty good.

4:08

I'm pretty proud of myself. I think I got

4:10

you all the information that the quick movers need.

4:12

I want to share with you now a little

4:14

bit of the back story and describe in more

4:16

detail of what I'm seeking

4:18

to do and why I'm seeking to

4:20

do it. First of all, it

4:23

has been my unrequited

4:25

ambition to host events

4:28

for the radical personal finance community

4:30

for many years now. It has

4:32

been very frustrating to me that

4:34

I have not been able to

4:37

do it. One of, yet,

4:39

or at least well, and I think we're

4:41

finally, hopefully with this event, we're breaking the

4:44

seal and we're going to be able to do this

4:46

really well. But since starting radical personal

4:48

finance in 2013, 2014, I have been amazed at

4:50

the community that

4:55

has developed out of this podcast. The number

4:57

of emails that I get, the number of

5:00

wonderful comments that I get is

5:02

truly astounding, and I'm grateful for

5:04

each and every one of them.

5:07

Soon after I launched the podcast,

5:10

I, at that time, attended frequently

5:12

podcasting events, personal finance events,

5:14

et cetera. I was

5:16

always just entirely

5:18

thrilled to meet up with listeners in

5:20

various formats, had lots of breakfasts and

5:23

lunches and dinners with so many of

5:25

you. It's just been an amazing. It's

5:27

a great experience for me that I

5:29

have always really enjoyed. Then

5:32

my wife and I started to have a bazillion

5:34

babies, and I basically swore

5:36

off traveling myself

5:38

for a significant amount of time because it was

5:40

a lot of work on her if I was

5:43

not there for a significant period of time. Obviously,

5:45

I could have forced her. She never complained about

5:47

it. Obviously, I could have done that, but

5:49

I figured what's the point of running your own life the

5:51

way you want to run it? Why should I go be

5:53

a road warrior if I don't have to? I

5:56

basically stopped going

5:59

to a lot of events. events and conferences and things

6:01

like that haven't been to many of those

6:03

things for over five years because we had

6:06

all these young children and it just didn't

6:08

seem appropriate to go.

6:11

But I had a brilliant idea. I had a

6:13

brilliant idea that hey, well, it's no problem. I'll just

6:15

travel with my family. And so starting

6:17

back in 2018, my wife and I started traveling

6:19

the United States in our RV.

6:26

And when I set off on that trip, one

6:28

of the ambitions that I had was not

6:30

just to travel with her, but to meet

6:32

up with listeners all across the country. I

6:34

pictured myself having a different meetup in a

6:36

different town every week, every two weeks and

6:38

announcing on the podcast, hey, we're in Nashville

6:41

or hey, we're in Atlanta or hey, we're

6:43

in Denver or whatever and just hosting

6:45

a new meetup across the country. That

6:49

was my initial inclination. That was what I wanted

6:51

to do. And I

6:53

thought this is going to be easy. After all, we got an RV.

6:56

Everything is great. Well, it turns out

6:58

that it wasn't easy. And

7:00

basically it was largely a matter

7:02

of handling logistics of

7:05

event locations, dates, et cetera.

7:08

What we discovered at that time, RVing

7:10

across the country with the five-year-old, three-year-old

7:12

and one-year-old, et cetera, was that we

7:14

were able to have a great time

7:16

with our travels as long

7:18

as we were not particularly committed

7:21

to any certain schedule or to

7:23

any certain dates. So there

7:25

were a few dates we hit of

7:27

specific dates we needed to have. Beyond

7:29

that, it was fairly stressful to have

7:31

to be somewhere at a certain time.

7:34

And it was much easier if we traveled on

7:36

a more carefree basis

7:40

without firm commitment to dates. And

7:43

also our route at that

7:45

point in time was fairly

7:47

undetermined. And we were trying to hit

7:49

some hard dates that we wanted to visit with some

7:51

people that we had planned out. And

7:53

then it just seemed like we needed to press

7:55

on. We needed to press on. And I think

7:58

most people, when they start going traveling, certainly most

8:00

RVers in the beginning, they have

8:02

a tendency to move very quickly,

8:04

to travel too much. And it

8:06

was no different for us

8:08

is that we traveled far too quickly

8:10

and far too fast for ourselves,

8:12

but we had good reasons. We didn't know how

8:14

long we were going to be on the road

8:16

and we needed to keep making forward progress. I

8:18

mean, it all seemed like good reasons. So we

8:20

were traveling very, very quickly. And

8:22

in order to host an event, I needed

8:25

to be at least a week in advance. That

8:28

would be kind of the minimum. And it would

8:30

be ideal if it were a couple weeks in

8:32

advance because many people listen to podcasts on a

8:35

delayed schedule. They check in every now and then,

8:37

every week or two, they don't listen right when

8:39

a show is published, which is perfectly understandable. It

8:41

just means that I needed to plan ahead more.

8:44

And then I needed to plan ahead

8:46

with certain logistics. So who

8:48

should I host and where should we be and how

8:50

many people will come, etc. And so

8:52

the plan was to do meetups all across the country.

8:54

As it turns out, we only did a handful. We

8:57

met up with some listeners privately who had invited us

8:59

to see them. We hosted a

9:01

handful of events, which were beautifully

9:04

attended, the ones that we did do. Thank you very much.

9:06

But those events worked when we knew we were

9:08

going to be in a specific place for a

9:10

specific period of time. And then we cut our

9:13

trip short. I had planned to be on the

9:15

road for a year. Turns out that we were on the road for six

9:17

months. And so I

9:19

cut the trip short and kind of abandoned

9:21

the idea of doing it. And then

9:23

once again, with small children, it

9:25

was just challenging. We would go to an event and

9:27

my wife and children could come. They could be there

9:29

for an hour, hour and a half. But usually the

9:31

event would be late, bedtime, etc. It's

9:34

not super great. And so then they would have to go back

9:36

and go to bed and I would stay and visit for longer.

9:39

So once again, small

9:41

children, while wonderful accessories to life, certainly

9:44

do change your lifestyle and change your

9:46

options in various ways. Then

9:48

we, over the years, we started traveling internationally.

9:51

And I remember two years ago, my plan

9:53

was, you know, let's go to Europe. This

9:55

is going to be fantastic. I got lots

9:57

of European listeners. Let's in addition

9:59

to... let's have meetups all

10:01

across Europe. And so I had

10:03

a car, we're traveling across the

10:06

continent, going here, going there, and

10:08

once again though, my ambitions were

10:11

foolishly optimistic for all the reasons that

10:13

I just said. And as it turns

10:15

out, we did no public meetups in

10:17

Europe the entire time that we were

10:20

there. And that trend has basically continued

10:22

over the years, is that

10:24

I've wanted to do meetups, and I have,

10:26

when I've gone on trips by myself to

10:28

various places, I've done meetups various places in

10:30

the United States, Canada, et cetera, and it's

10:32

just been difficult to figure out how to

10:34

do them in advance. It's challenging, even the

10:37

logistics of a simple meetup requires a little

10:39

bit of planning, a little bit of commitment,

10:41

et cetera, and it can be challenging to

10:43

know how to do it. Why

10:47

do I care about this? Like why

10:49

is this important? Well, it's my

10:51

observation that we are living in a world in

10:53

which the way that we interact with one another

10:56

is changing dramatically. And it's not all

10:58

good and it's not all bad, it's

11:00

a mixture. First, with

11:03

our digital communication

11:06

revolution, a

11:08

lot of our real

11:10

and true interaction can

11:13

now happen in a

11:15

disembodied way. I don't

11:17

think that internet friendships are fake friendships,

11:19

I think they are real. The

11:22

way that we communicate with one another using

11:24

all the various forms of digital

11:26

connection that we have, these ways are

11:29

real ways to build

11:31

and maintain relationships. Many

11:34

jobs now, we can do them remotely.

11:37

But what I see happening is

11:39

that these ways of

11:41

communicating do not

11:43

replace the value of

11:45

face-to-face relationships, but

11:48

indeed, they make the value

11:50

of the face-to-face relationships much

11:52

more important. And as

11:54

a remote worker myself, I'm very

11:56

conscious of this. That

11:59

I don't mind... working remotely most

12:01

of the time. In fact,

12:03

I think it's a great advantage for most

12:05

workers who do digital work to

12:07

be able or work that can be transmitted digitally

12:10

to work from home, work from wherever and do

12:13

most of your work that way

12:15

is really ideal, but

12:17

it shouldn't be all the time. And

12:19

so companies that have a dispersed

12:22

workforce, I believe that it's far

12:24

more important for them that they're

12:26

super intentional about scheduling significant

12:30

opportunities for face-to-face

12:32

contact, significant weekend

12:36

events or three-day events, and it's more than

12:38

just quote unquote team building events. These

12:40

events are necessary for human relationships.

12:44

Some of the strongest and most

12:46

productive relationships that I have are

12:48

relationships where most of our communications

12:51

happen in a dispersed manner, where

12:53

I live here, you live on the other side

12:55

of the country, that's no problem. But

12:57

there needs to be a

13:00

face-to-face connection at some point

13:02

in order for us to

13:04

be able to communicate on

13:06

a deeper level with our

13:08

actual face-to-face, where we have

13:10

a chance to know each other, to

13:13

take the measure of a man face-to-face, et cetera. It makes

13:15

all the difference in the world. And

13:18

so it's really important.

13:21

And I observe that when

13:23

those two things go together,

13:25

meaning digital connection and face-to-face

13:27

connection, the relationships can be

13:29

stronger than they otherwise would

13:31

be. For example, I think

13:33

about various groups and whatnot that I have set

13:35

up with my family and friends and things like

13:38

that, just the ability to chat with one another

13:40

on an ad hoc

13:42

basis in a private WhatsApp group or

13:44

Facebook group or messaging group, whatever you

13:46

use, that can strengthen

13:48

relationships in a way

13:50

that wasn't possible when we

13:53

were only having face-to-face relationships.

13:55

And so this makes you feel closer to people

13:57

because you're able to share more of the moments

14:00

of your lives with your small groups.

14:03

However, if those

14:05

relationships are only digital and

14:07

they're not buttressed

14:09

and reinforced by that face-to-face contact,

14:12

then they leave us feeling extremely

14:14

lonely. But

14:18

when they go together, they're the strongest. That's

14:20

my point, is that we want them to

14:22

be together. And so here

14:24

at Radical Personal Finance, I'm thrilled

14:26

to have a great connection with

14:29

you, my listener, in a digital

14:31

format. Even when it's only one way,

14:33

it's a great connection. But I

14:36

also need that face-to-face format,

14:38

and you need that face-to-face

14:40

format with like-minded people.

14:43

Because at the end of the day, while we

14:45

can appreciate these digital forms of

14:48

connectedness that we enjoy, the truth

14:51

remains that you and I

14:53

are physical creatures with a

14:55

physical experience, and that physicality

14:57

should be part of our

15:00

life. So that has

15:02

been my desire is to bring people together.

15:04

One of the great things that concerns me

15:06

enormously about our society is that

15:08

I see with my own eyes and

15:10

I read the data from the psychological

15:13

surveys that indicate that in

15:15

many ways, it's not unfair to characterize us

15:17

as a society of people who are dying of

15:19

loneliness. And I

15:22

think this is particularly pronounced for

15:24

those of us even who are

15:26

in child-raising years, that while

15:28

there can be variations of this,

15:30

meaning that there are times

15:32

in life where

15:34

our children wind up

15:37

being an expression of

15:39

socialization. You make your

15:41

friends through your child's school and go

15:43

to sporting events and music events, et

15:45

cetera. So it's not always lonely, but

15:48

in general, it can be a fairly

15:50

lonely experience that you have because when

15:52

you're a parent, it's hard to schedule

15:54

time to go and socialize with other

15:56

people without having some activities and things

15:58

planned, et cetera. As a

16:00

way to try to improve this, I've

16:03

wanted to have events and I've wanted

16:05

to have some kind of camp,

16:07

some kind of event

16:09

where people can be together. One more comment on the camp

16:12

and I get into more details. When

16:15

my wife and I are RV'd across

16:17

the country, we loved it. We loved

16:19

that experience. The reason we

16:21

loved that experience was because we were

16:23

able to have more

16:26

intimate communication with our friends and

16:28

loved ones that we had

16:30

been missing for years being parents. When

16:34

you are a parent, for those of

16:36

you who are aspiring parents or just

16:38

are unaware, your

16:40

schedule naturally changes a little bit.

16:43

While you can push your children and be

16:45

out late and things like that, often it's

16:47

excessively difficult and not worth it, especially when

16:49

you have young children. When

16:51

you start to have young children, you

16:54

start to experience a lot of social

16:56

isolation. No

17:04

one intends it. It's nobody's fault. It

17:06

just is what it is. It just happens because

17:08

number one, your children are demanding

17:11

on your time, your attention, etc.

17:14

When you are with other people, you have

17:16

an enormous duty of caring for your children.

17:19

You always have to be watching. You always have

17:21

to be making sure there's not fights happening, that

17:24

children aren't in danger, physical danger, etc. The

17:27

presence of children and their

17:30

noisy, boisterous play is often

17:32

disruptive to adult conversations. It's

17:35

just not super enjoyable. It's

17:37

hard to have a long, drawn out adult

17:39

conversation when you're watching a three-year-old run around

17:41

and play with his friends. You

17:44

wind up going into this period where

17:46

you often don't have many conversations because

17:49

even when you do go to social

17:51

events, you're watching your children. If

17:56

you don't watch your children, then of course, you're

17:58

not a great parent. Everybody would judge. you as

18:00

a great parent and it's not an

18:02

option. You want your kids to survive and to live

18:04

to see another day and so you've got your job

18:06

to do. So you wind up losing

18:10

a lot of the social connection that

18:12

you formerly had and then

18:14

to well what about and then you

18:16

wind up taking your children home early etc. You

18:18

get on a different schedule then your friends

18:20

that don't have children and then the relationships

18:22

start to grow a little bit weak and

18:25

people just drift away because we generally socialize

18:27

with people who have a similar lifestyle to

18:30

the kind of thing that we have. And

18:33

then if you

18:36

continue it then you often wind up, what I mean is

18:38

that so you say okay well I'm going to send my

18:40

wife home with the children and I'm going to go and

18:42

hang out with my buddies. Alright well that's fine every now

18:44

and then but most good

18:47

husbands and wives don't like

18:50

to do that and there's a

18:52

balance in which going to a third place

18:54

and having your own adult relationships is valuable

18:56

but there's a real balance there where you

18:58

can go too far and then cause issues

19:02

and challenges and you don't want to do that.

19:04

And so you wind up being isolated is the

19:06

point and it comes on you gradually and all

19:08

of a sudden you wake up and you're three

19:10

or four or five years in you realize like

19:13

we're our friends and you're friends with other parents

19:15

but you never have a long time to talk

19:17

to them because you're always together when you're with

19:19

children. So when we started traveling across

19:21

the country in RV we found the sweet spot and

19:23

the sweet spot is we put the children to sleep

19:25

in the RV then we go in and hang out

19:27

with our friends for three hours and it takes you

19:29

back to those heady days of college and young

19:32

adult living where you can stay up all night

19:34

and visit with your friends it's really wonderful. And

19:37

so we always look for opportunities to

19:39

do a similar thing. But

19:41

in order to do it you got to have some kind

19:43

of facility is the point. So if I'm getting together with

19:45

my family or family reunions then

19:47

ideally you want to have some kind

19:49

of facility where you can be together

19:52

in a physical way if at all

19:54

possible where you can put children to

19:56

bed and then enjoy adult relationships. it's

20:00

hard to do that with events, but

20:02

it's doable if you find an appropriate

20:04

facility. And so one of the goals

20:07

I've had is to host some variation

20:09

of a family camp because there are

20:11

solutions for these problems and the solutions

20:13

are usually camps or

20:15

church camps, family camps, various expressions of

20:17

them. And these are really fun. There

20:20

are lots of professional organizations that offer these

20:22

kinds of family camps. Families go there, you

20:24

pay a fee, there's tons of activities for

20:26

the children, there's tons of

20:28

activities for the adults, and those are super fun

20:30

to go to with your friends. You get a

20:32

couple families together and everyone's got something to do.

20:35

You're together in the evenings and at night, but

20:37

you have things to do in the daytime. And

20:39

I think this is a really ideal way to

20:41

structure a chance

20:43

for people to spend a couple days together.

20:45

And so that's what I'm doing. So

20:48

I've rented a whole church

20:50

camp facility in Indiana and

20:53

I have a friend of mine who's helping me

20:55

organize it. And so he's the

20:57

one who found the facility. He's the one who

20:59

negotiated everything, made it really simple for me to

21:01

just say yes and we just picked a date

21:04

and let's do it and see what happens. And

21:06

now the call is, well, what can I

21:08

put together that will be helpful and appealing

21:11

to you that'll make you guys wanna come?

21:13

I want everyone to come. And so

21:15

let me describe what I'm trying to

21:18

do so you can see

21:20

if it might be a good fit for

21:22

you. Number one, I'm trying to create an

21:24

event that will have something for everyone so

21:27

that you'll be motivated to come. And

21:29

so what I thought is, and this

21:31

is kind of a classic thing also that kept

21:33

me wondering for a long time, is what kind

21:35

of thing do people want? I can talk to

21:37

you here on a microphone so I

21:39

can lecture to you with no problem here. If

21:42

I'm gonna create something physical, what's the additional

21:45

benefit of a physical event versus a

21:47

digital thing? A digital course is often

21:50

a more effective means of teaching than

21:52

is something in person. So what needs

21:54

to be the benefit of it? Well,

21:56

it should be socialization. But then the

21:58

question is, if we're just gonna... socialize,

22:00

shouldn't there be – is that going to be easy

22:02

to justify the money to go to a camp? Shouldn't

22:04

I offer something more? And so for

22:07

this inaugural event, what

22:09

I have built is basically

22:12

a three-track event and

22:14

it's going to be up to you what

22:16

track you come to and

22:19

how you wish to participate. But I'm trying

22:22

to create an event that has something that

22:24

will appeal to you, to everyone in your

22:26

family and be a good fit for everyone.

22:29

So first of all, I'm going to

22:31

present a series of talks on finance.

22:34

I'm going to use the radical personal

22:36

finance framework for wealth as my

22:38

outline of those talks because I

22:41

can collapse that

22:43

into two minutes and I can expand

22:45

it into two years of university courses.

22:47

So it gives me a good level

22:50

of appropriateness and I can use

22:53

content and material that is

22:55

appropriate for folks who are

22:58

extremely advanced with their money, very wealthy,

23:00

earn a high income and I can

23:03

use levels that are appropriate for your

23:05

teenage son who's just getting started, doesn't

23:07

have anything, has never even had his

23:09

first job. And so that's my basic

23:11

outline. Number two though, I think a

23:14

huge benefit of an event is to

23:16

have something hands-on, have an actual workshop

23:18

where you implement something. The

23:20

great danger of any form of content such

23:23

as a podcast or a course etc. is

23:26

that you absorb an idea and it tickles

23:28

your brain, you say, ah, it's a good

23:30

idea, I should do that someday and you

23:32

go on to the next thing. That's what

23:34

we all do and we just swipe, swipe,

23:36

swipe, swipe, listen, listen, more books, more information,

23:38

more podcasts, more information. We don't do anything

23:40

and in reality, most of us, we'd better off

23:43

if we just chucked 90% of what we

23:45

listen to and we spent all that time, instead of

23:47

listening to new things, we spent all that time implementing

23:49

the few good ideas that we heard in the 10%.

23:51

And so I have

23:54

arranged a series of practical workshops

23:56

to implement kind of the finance

23:58

track of content.

24:01

And so there's going to be a complete with this three-day event,

24:03

there's going to be a complete collection

24:05

of financial

24:09

talks, tightly concise talks with practical

24:11

workshop application. I'm going to work

24:13

with you to implement the ideas

24:16

of each of the talks in a specific

24:18

way. So my goal is that you come

24:20

to the camp and you leave with a

24:23

clear plan to make more money, lower

24:26

your expenses, invest more effectively, avoid

24:28

catastrophe, optimize lifestyle with clear specific

24:30

ideas and actual actions taken to

24:32

implement those ideas. I want you

24:34

to make money on the event

24:36

in the fullness of time. Number

24:38

two is I'm bringing in

24:40

what calling a lifestyle track right

24:43

now and the idea is there's

24:45

a lot of things associated with

24:47

radical personal finance that don't fit

24:49

perfectly into the personal finance framework.

24:51

And so I've built out

24:54

a series of sessions. The

24:56

sessions are not yet set in stone

24:58

but for example, some of it may

25:00

be discussion on home education, some of

25:03

a discussion on language learning, some of

25:05

it discussion on things

25:07

like that, the kind of things that I talk

25:09

about. But we've also got a series of presentations,

25:13

of hands-on presentations planned that will be

25:15

of interest to various members of the

25:17

family and whoever is appropriate for. So

25:19

an example would be one

25:22

of the great business opportunities that

25:25

I believe is available to anybody,

25:27

literally anybody, although ordinarily these

25:29

kinds of businesses we would

25:31

target towards a young man

25:33

or woman, adolescent or child,

25:36

is quite simply just making money doing

25:38

things like baking bread and selling

25:40

bread to your neighbors or baking

25:43

cookies and selling cookies, nicely decorated

25:45

cookies. And so we're planning

25:47

a workshop. I found this great

25:50

entrepreneur, a young

25:52

teen entrepreneur who has a great cookie

25:56

business, does tons of business making

25:58

and selling cookies into to her local

26:00

event, corporate events, et cetera. And

26:03

then so probably she'll be presenting, maybe we

26:05

might do it with Brad, not sure, but

26:07

we're gonna have a hands-on workshop. I'm gonna

26:09

present the business fundamentals that'll be appropriate to

26:11

anybody who's looking for a sideline income and

26:14

then also go through the actual process of

26:16

applying it and bake some bread, make some

26:18

cookies, things like that. There

26:20

are other things. So another example is

26:23

balloon twisting and balloon tying. Excuse

26:25

me, balloon twisting, not tying. Is an

26:28

example of what I think of an ideal

26:30

skill that some motivated

26:33

teens and young people could use to

26:35

make extra money on the side and

26:37

their per hour rate can be enormously

26:39

higher than working at a local retail

26:42

job. But

26:44

it's limited in numbers of hours. And so we're

26:47

planning a workshop on that, for example, to come

26:49

in and say, here, you can learn the skill.

26:51

You can learn the skill physically. We

26:54

have a presenter to come in and present on the

26:56

skill itself. But then let's talk

26:58

about the business application of this. And if

27:00

there's two or three or four fairs that

27:02

you can go to and events in

27:05

your area per year, and you can go and you can

27:07

make a couple hundred dollars at an event, twisting

27:09

balloons, that's a pretty good way for a

27:12

young person, especially, to make money. So we've

27:14

developed a series of lifestyle, we're calling just

27:16

kind of a lifestyle track, some

27:18

talks on different things that hopefully will be

27:20

broadly appealing to those who may not be

27:22

interested in personal finance, but they're interested in

27:24

ideas. And some of these might be helpful

27:26

in appealing to your teens. And then the

27:29

third thing is that we've just got an

27:31

entire camp and the camp is really beautiful,

27:34

really well-equipped. It's got all the camp

27:36

activities. So we've got all the ball

27:38

games and, you know, gaga ball and

27:40

volleyball and basketball and et cetera, ultimate

27:43

frisbee. We've got

27:45

a bouldering wall. We've

27:47

got hiking trails and creek stomps

27:49

and horseshoes and kayaking

27:51

and canoeing, although it's probably gonna be

27:53

too cold to use all the

27:56

lake stuff and mountain bikes and playgrounds

27:58

and all of the outdoors. stuff. Plus

28:00

we've got a complete

28:07

staff-led stuff. So we've got a high ropes course

28:09

and a low ropes course and we're going to

28:11

play archery tag and we've got a BB gun

28:13

range and hatchet throwing and all the camp stuff

28:15

as well. So there's going to be a complete

28:17

and total plus all the indoor games as well,

28:19

foosball and ping pong and board

28:22

games and pool and all

28:24

that stuff. So it's a complete and very

28:26

beautifully equipped camp. So if you've got people

28:28

in your family that just aren't interested in

28:31

classes and want to just hang out then this is a

28:33

great opportunity to do that as well. And

28:36

I'm sure there'll be lots of people who just want to

28:38

come and hang out. So I think

28:41

that'll be the appropriate way.

28:43

I hope that'll be attractive to you. I hope that

28:45

you will find that and say, hey, there's going to

28:47

be something for everyone in my family to do among

28:50

those various options. If people are really into

28:53

personal finance and they want to attend lectures

28:55

on personal finance with practical workshops, great. I'll

28:59

be teaching those and I will make

29:01

this stuff make sense to you no matter what

29:03

level it is and you'll go away with a

29:05

clear action plan of things that you can do

29:07

that over the next year or two are going

29:09

to dramatically improve your financial condition. If

29:12

it's more of the lifestyle track, there's going to

29:14

be plenty of information on that and

29:16

then if you just want to hang out and go to camp

29:19

then that's going to be with friends and people of

29:21

similar persuasion as you then that's going to be

29:24

available to you as well. I

29:26

hope that the agenda that I've designed is

29:28

an appropriate balance among these things recognizing

29:31

again that socialization is usually a primary thing

29:33

but then we also want to just

29:36

socialization alone makes it hard to justify at least

29:38

for me. I like to learn things. So

29:41

hopefully we've got a good balance and we'll look

29:43

forward to your ideas. By the way, I have

29:46

the agenda designed but it's not set in stone

29:48

yet. And so if you say, you know, Joshua,

29:50

I'm absolutely coming and here's what I would really

29:53

love for you to prepare for me, there's still

29:55

time and there's still opportunity for me to

29:57

interact with you and if you're thinking

29:59

... that, there's

30:03

probably other people. Or if you're thinking, you know Joshua,

30:05

I really would love to come to an event that

30:07

you would host but what

30:09

you describe is not for me but if you did

30:12

this, I would really

30:14

come then great, let me know because

30:16

I want to serve you. I want to bring people together.

30:18

I want to bring people in my community together. I

30:21

want to hang out with you and enjoy

30:23

interacting with you but I also want you

30:25

to build friends that are in your area

30:27

and build relationships and have encouragement when you

30:29

need it. Let's talk about the facilities. This

30:32

camp is going to be all

30:34

inclusive and what I mean is that when

30:37

you buy the ticket, you

30:39

have a bed to sleep in and room to have and

30:42

food, we're providing all the food and

30:44

all the sleeping accommodations. The camp is

30:46

nice, it is clean, it is well

30:48

kept, it is a bit rustic and

30:51

industrial as you would expect from a

30:53

camp. This

30:57

is designed to be used by tons of kids and

31:00

campers. So the facilities

31:02

are very well done, it's a very nice

31:05

camp, very well done but the mattress, I

31:07

would expect the mattress to be firm and

31:10

the shower curtain is a plastic shower curtain

31:12

so it's not going to be the fanciest

31:15

of things but it's very nice,

31:17

very clean, perfectly adequate, comfortable, everything

31:20

is there. Everything is going

31:22

to be included so again we'll provide you with a

31:24

bed and we'll provide you

31:26

with all of your food. Now

31:28

depending on the people that we have, we're going

31:31

to do our best to have the highest

31:34

quality food and other

31:37

things that we are capable of and

31:39

so I'm being careful not

31:41

to make verbal commitments until I see

31:45

how things go but our ambition is

31:47

to provide you with a really fantastic

31:49

event. That's my goal. So

31:52

in terms of rooms, it's a little bit

31:55

complicated for me to arrange logistics because I've

31:57

rented the entire camp, I've got lots of

31:59

people. of independent cabins. I've got room

32:01

sizes from two person rooms, four person

32:04

rooms, six person rooms, eight person rooms,

32:06

etc. My plan is that all the

32:08

families will have their own individual private

32:10

room. That's my plan and

32:13

then depending on how many single people

32:15

I have sign up then we'll try

32:17

to either get you one of the

32:20

small two person rooms or I

32:23

may allocate one of

32:26

the rooms to bunk rooms for

32:28

single individuals. So I'm selling the tickets

32:30

on a price per head basis but

32:33

I'm going to use

32:36

a lower capacity than the camp would

32:39

be capable of if it were all price

32:41

per head to manually allocate rooms to

32:43

you and your family so that you

32:45

have privacy. That's the plan. So we'll see

32:47

who signs up and kind of how

32:50

that works. I think it'll be good but I've ran the

32:52

whole camp but we'll see. At the end of the day,

32:54

you and I are going to learn a lot together. I

32:56

hope that you guys love

32:58

the event. I hope that it sells out. I hope

33:01

you come and that's my

33:03

plan. If only

33:05

a few of you are interested in coming, great. Then

33:07

we're going to do it and we're going to

33:09

have a great time. So what I need from you is I

33:12

guess your feedback. Like I said, this is the inaugural

33:14

event so I'm putting everything I've got into planning something

33:16

that's going to be really great and really fun. I

33:19

was extremely encouraged by the recent event

33:21

that I did in Panama. That event

33:23

was clearly a much more of a

33:25

niche appeal in terms of internationalization

33:27

and Panamanian investment tour and things like that.

33:29

But for me, the best part of it

33:31

was just hanging out with my listeners. I

33:33

was some of the coolest listeners and I

33:36

just enjoyed being with you

33:38

all for a week. Those of

33:40

you who were there, it was just amazing. I

33:43

enjoyed that so much because

33:45

it gave an opportunity for us to build real relationships

33:48

that can continue in

33:50

the years to come. That's what I'm hoping comes out

33:52

of this family camp. So I ask you to come.

33:54

I really want you to come. I really

33:56

want the event to be fantastic. I want it to be

33:59

something that you really love. If you have further

34:01

questions, again, you can

34:03

sign up by going to radicalfamilycamp.com. radicalfamilycamp.com,

34:07

that URL will forward through to

34:09

the Eventbrite page where you can

34:11

buy tickets. radicalfamilycamp.com, sign up

34:13

today. If you've got questions for

34:16

me that I haven't mentioned,

34:18

then you can email me,

34:20

joshua.radicalpersonalfinance.com. If you live

34:22

in that area, you'd like to volunteer for something, you say,

34:25

Joshua, I want to teach a session on this, etc. I'm

34:27

open to hearing that from you. I've

34:30

got most of the things covered, etc. But

34:32

if you would like to volunteer for something

34:35

or you have ideas that

34:37

you think would really add

34:39

to it, please email those

34:41

to me, joshua.radicalpersonalfinance.com. If

34:43

you think, you know what, Joshua, I'm on the fence,

34:45

I'd like to come, but here's what you could do

34:48

that would just push me over the edge, again, email

34:50

me. And if I can do it, I

34:52

will because I really want to serve you.

34:54

I want to create an event that will serve

34:56

you. I've done my best to think about

34:58

that based upon my experience, interacting with you, think

35:01

about what I think would be helpful and

35:03

fun and all the events that I've been to.

35:06

But if I'm off in some way, then just

35:08

give that to me and my goal is to

35:11

serve you. So you can reach out at joshua.radicalpersonalfinance.com.

35:14

And that's it. Go to radicalfamilycamp.com. Remember,

35:16

first come, first save sale, the first

35:18

20 adult tickets are discounted quite a

35:21

lot and the first 20 child

35:23

tickets are discounted quite a lot. And that sale is

35:26

on for one week. So if

35:28

you'd like to sign up and

35:30

save money, go to radicalfamilycamp.com. Again,

35:33

radicalfamilycamp.com. Is that enough time?

35:38

I think you got it.