Joshua J Sheats, MSFS, CFP, CLU, ChFC, CASL, CAP, RHU, REBC is a financial planner who teaches people how to live a rich life now while building a plan for financial freedom in 10 years or less. He mixes creative approaches to lifestyle design, deep-dive financial planning techniques, and hard-core business strategy to equip you with the knowledge and inspiration you need to build financial independence.
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We are a team of Financial and Insurance Professionals from across the state who specialize in various aspects of the industry such as life insurance, annuities, social security retirement strategies, long term care, Medicare planning, worksite solutions, voluntary benefits, individual health insurance and employee benefits and collectively, we bring well over 100 years of expertise and resources to the table.
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Welcome to Futurecast, Vitech's forward-thinking podcast dedicated to exploring the evolving landscape of the group insurance and retirement industries. Our mission is to equip industry leaders with cutting-edge insights and strategic foresight to future-proof your business in an increasingly dynamic market. In each episode, we engage with pioneering executives, innovative thought leaders, and industry disruptors from the insurance, pension, and pension risk transfer (PRT) sectors to uncover ...
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Open. Outspoken. It's Ophthalmology off the Grid - an honest look at controversial topics in the field.
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Join us for thought-provoking conversations that dive deep into the challenges faced by charity and nonprofit leaders. Hosted by Dhivya O’Connor, a charity CEO herself, each episode brings inspiring CEOs and social sector trailblazers, who share their powerful stories, practical insights, and valuable expertise. Whether you're leading a nonprofit or passionate about making a difference, you'll find fresh perspectives and actionable takeaways to help you navigate the journey and amplify your ...
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For some, watching paint dry, or a poke in the eye is better than dealing with their business numbers. I get it, numbers can be scary, confusing, and boring, not what your business is meant to be about. But here’s the thing. If you’re serious about your business, you need to grab hold of your numbers, and connect with them. Falling in love with them may feel weird, but at least be on friendly terms with them if you want your business to survive and thrive. Numbers make you accountable, showi ...
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Whether you are a leader in the direct sales space, an enterprise looking to level up or brand new to the MLM industry Beyond the Network Marketing Dream is the place to learn from the very best. One of the biggest challenges in building a great network marketing company today is the enormous amount of bad advice coming from well intentioned digital marketers, influencers and sales professionals. There is no shortage of high quality coaches and trainers in these spaces and while they may be ...
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Toni Eakes running a non-profit organization that has a BIG heart for animals. We rescue animals that are in need or danger. While we primarily rescue dogs and cats, we are always willing to try and help whenever there is an animal in need.
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Potential Implications and Benefits of Direct SLT Technology
37:22
37:22
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37:22Morgan Micheletti, MD, joins hosts Blake Williamson, MD, MPH, and Gary Wörtz, MD, to review the evolution of selective laser trabeculoplasty (SLT) and direct SLT (DSLT), highlighting Dr. Micheletti’s experience as an early adopter of DSLT. Dr. Micheletti shares how DSLT can increase efficiency, improve surgeon comfort with the procedure, and help g…
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Directors’ NICs: Make It Work for You in 2025–26
11:57
11:57
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11:57National Insurance Contributions (NICs) work differently for company directors—and misunderstanding them can cost you. In this episode of the I Hate Numbers podcast, we walk through the 2025–26 rules, salary thresholds, and two key methods of NIC calculation. Whether you take a regular wage or one-off payments, knowing how to handle director NICs c…
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1104-Friday Q&A: Investing in Tools of the Trade, Socialization for Children, Financial Support of Adult Children, etc.
1:58:45
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1:58:45On today's Friday Q&A podcast we discuss: How much should I spend on equipment that makes me money? How do I help socialize my three-year-old child? Is financial support of adult children a good idea? After I'm doing all the basics of good investing, where do I go to find better investment ideas? I just moved to New York City...will I ever get used…
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Should You Ever Work for Free? A Smart Business Strategy or a Red Flag?
9:37
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9:37“Can you do it for exposure?” If you've heard that before, you’re not alone. Whether you’re a designer, coach, accountant, or small business owner, requests for free work are common—and controversial. In this episode of the I Hate Numbers podcast, we unpack when working for free makes sense, when it hurts your business, and how to navigate those tr…
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1103-Changes From The One Big Beautiful Bill and the New Trump Accounts
1:07:37
1:07:37
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1:07:37Jeff Levine's tweet thread: https://x.com/CPAPlanner/status/1940856699872858202
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How to Start With Success in Business (2025 Update)
10:48
10:48
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10:48Thinking of starting your own business? Whether it's for freedom, profits, or making an impact, success begins with clarity and preparation. In this week's episode of the I Hate Numbers podcast, we explore how to start with success in mind—and avoid the common pitfalls that derail so many new businesses. Drawing from decades of real-world experienc…
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OUT & ABOUT: Unschooling: Learning Off the Beaten Path (Expat Money 291)
1:00:42
1:00:42
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1:00:42Completing the interview I gave to Mikkel Thorup last year. Original episode: https://expatmoneyshow.com/episodes/291-joshua-sheats-pt-3/
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Single Director? Here’s How to Claim the 2025 Employment Allowance
9:47
9:47
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9:47The Hidden Tax Saving for Single Director Companies Are you a sole director of your own limited company? Do you follow the typical model—small salary, dividends, smart tax planning? If so, today's episode of the I Hate Numbers podcast is essential listening. Many think the Employment Allowance is off-limits for single director companies. But with t…
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1102-It's Always Cheaper to Feed the Meter Than to Pay The Ticket
41:34
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Avoid Last-Minute Tax Stress: 10 Early Filing Benefits for 2024–25
9:44
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9:44Let’s be honest—nobody looks forward to tax season. However, leaving your return until January could mean unnecessary stress, missed opportunities, or even money left on the table. Filing your 2024-25 tax return early, on the other hand, brings more than peace of mind. It gives you financial clarity, greater control, and even potential savings. In …
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OUT AND ABOUT: Worldschooling: Beyond the Three Rs (Expat Money 290)
1:07:16
1:07:16
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1:07:16Continuing the interview I gave for Mikkel Thorup last year. Original episode: https://expatmoneyshow.com/episodes/joshua-sheats-pt-2/
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Voluntary VAT Registration: Smart Strategy or Costly Mistake
8:57
8:57
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8:57Voluntary VAT registration might sound crazy - why become an unpaid tax collector before you legally have to? But this proactive strategy could put thousands of pounds back in your pocket. This episode reveals when voluntary VAT registration makes sense and how it could benefit your growing business. We explore five compelling reasons to consider e…
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STOP Losing Money! How PAYE Employees Can Claim Tax Relief Online
9:28
9:28
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9:28Are you a PAYE employee spending your own money to do your job without getting reimbursed? You could be missing out on money that's legally yours through tax relief claims. This episode of the I Hate Numbers podcast breaks down everything you need to know about claiming work expenses online using HMRC's updated system. We explore what qualifies for…
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1101-Friday Q&A: Balancing Life & Work, Investing into People, Managing Large Libraries, Learning Spanish, etc.
1:27:50
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Breaking Down the enVista Voluntary Recall
30:59
30:59
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30:59Cathleen McCabe, MD, and Brent Saunders, chairman and CEO of Bausch + Lomb, join the podcast to break down details of the recent voluntary recall of enVista Aspire, enVista Envy, and certain enVista monofocal IOLs. Hosts Blake Williamson, MD, MPH, and Gary Wörtz, MD, invite discussion on how the Bausch + Lomb team identified an issue, prioritized p…
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OUT & ABOUT: One Size Doesn't Fit All: Lessons From Homeschooling Five Children (Expat Money 289)
1:03:52
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1:03:52Today I share with you the audio from an interview I gave to Mikkel Thorup last year for Expat Money. Original episode: https://expatmoneyshow.com/episodes/289-joshua-sheats-pt1/
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Salary Sacrifice & National Insurance: Smarter Ways to Cut Costs
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11:15Salary sacrifice and National Insurance changes have created significant challenges for employers across the UK. However, every challenge presents an opportunity — and this episode of the I Hate Numbers podcast is all about turning rising employment costs into smarter savings.We break down the April 2025 National Insurance changes, explain the mech…
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1100-Investing Into People, Not Money: Patronage Roundtable with Greg Treat
1:40:24
1:40:24
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1:40:24In today's podcast I share the audio from a recent roundtable discusion with attendees of RPF Family Camp. We have a two-week discussion going related to patronage networks and we decided it would be good to host a verbal Q&A discusion instead of just keeping everything in text...now you get to listen in!…
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1099-Things Are OK...But I Have No Idea What To Invest In!
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1098-"A Model of Christian Charity" by Governor John Winthrop, 1630 On Board the Arbella
40:59
40:59
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40:59This episode contains the audio recording of a famous sermon by Governor John Winthrop, delivered on board the ship Arbella, while sailing to America in 1630. The sermon contains key theological insights as to the duties that come with wealth; it will be of interest to Christians and history-lovers alike. The basic ideas and precepts of this sermon…
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Making Tax Digital and Incorporation: Everything You Need to Know about the 2026 Changes
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12:16
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12:16Making Tax Digital represents HMRC's ambitious plan to bring tax reporting into the digital age. Consequently, we're facing significant changes that will affect thousands of self-employed individuals and landlords across the UK. Moreover, these changes are no longer a distant possibility but a concrete reality with confirmed implementation dates. T…
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1097-Friday Q&A: Build or Buy, Signaling Theory, Switching Jobs, Moving From Canada to USA
1:51:24
1:51:24
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1:51:24On today's Friday Q&A we cover: 1:30 Should I build a new house or buy an existing one? 14:19 My YouTube channel is struggling. What now? 30:13 Should I move with my girlfriend to the USA for a work assignment? 57:10 How can I apply Signaling Theory to modern dating? 1:13:41 Should I switch jobs to one that seems better but has less potential? 1:23…
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The Highs and Lows of Turning an Idea Into a Business
39:56
39:56
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39:56John Berdahl, MD, joins Blake Williamson, MD, MPH, and Gary Wörtz, MD, to share insights into the journey of turning an idea into a product. Dr. Berdahl highlights his experience with the research and development of pressure-equalizing goggles, a nonsurgical, nonpharmacological treatment to lower IOP by creating a small vacuum to relieve pressure o…
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Cloud Accounting: What It Is and Why Your Business Needs It
10:02
10:02
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10:02Transforming Business Finance Management Cloud accounting is changing how business owners manage their finances. Accordingly, we want to explain why this shift matters for freelancers and entrepreneurs who often avoid financial management until it's too late. Furthermore, understanding this technology can save you time, money, and stress in running…
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1096-Reconsecration To a Wartime, Not a Peacetime, Lifestyle
13:48
13:48
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1094-Report from Radical Family Camp 2025 and Future Content Focus
28:22
28:22
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28:22I hope you can come to Family Camp 2026! Make sure you're on the email list for early notice.
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HMRC's Invisible Crackdown: What Business Owners Need to Know
9:27
9:27
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9:27Business ownership comes with numerous responsibilities, especially when it comes to tax compliance. Moreover, as HMRC intensifies its digital surveillance capabilities, staying ahead of tax requirements has never been more crucial. The Digital Detective Has Arrived Previously, HMRC relied on basic methods like paper trails and manual checks. Howev…
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Ep 53. Adela Raz, Former Ambassador of Afghanistan to the U.S. & U.N. - Keeping hope alive for Afghan women and girls
55:40
55:40
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55:40In August 2021, the Taliban swept back into power in Afghanistan after nearly 20 years, toppling the then democratic government in a matter of days. Adela Raz, was serving as Afghanistan’s Ambassador to the U.S., after having been the country’s first female Permanent Representative to the U.N. She suddenly found herself representing a government th…
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Business Ownership Beyond the Balance Sheet: The Human Side
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5:40
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5:40Business ownership begins with much more than spreadsheets and profit margins. Furthermore, it encompasses a deeply human experience filled with challenges, triumphs, and countless learning moments. Additionally, this episode of Numbers Know How explores what truly matters when steering your business ship through both calm and stormy waters. The Ca…
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Out and About: Success Strategies for Teens (MoneyWise With Joshua Sheats)
44:02
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44:02Today, I share with you a recent interview I gave for Krish on his podcast MoneyWise. Krish is a teenage financial podcaster and we discussed success strategies for teens. Originally published here: https://open.spotify.com/episode/5xKPog3DjtQRQ4tJr1aoMy
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1093-Why You Should Move to South Dakota, Even If You Have No Plans to Live There!
56:28
56:28
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56:28South Dakota Residency: The Definitive Guide: https://escapethetechnocracy.com/?coupon-code=rpf&sc-page=south-dakota-residency-definitive-guide Privacy Post: https://privacypost.io
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Economies of Scale: Lowering Costs as Your Business Grows
11:55
11:55
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11:55Economies of scale is a concept that all businesses should understand, regardless of size. Basically, it means saving money as your business grows. As your operation expands, the average cost of producing each item or delivering each service decreases. Furthermore, this principle applies to businesses of all types. Whether you run a small bakery, m…
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1092-Money in Mating: Women SHOULD Care About How Much Money a Man Earns
56:41
56:41
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56:41If you'd like to increase your earning ability, join my Academy to learn how to increase it 10x in 10 years! https://RPFAcademy.com
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1
Innovative Technologies to Revolutionize Practice
32:39
32:39
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32:39Blake Williamson, MD, MPH, and Gary Wörtz, MD, invite Inder Paul Singh, MD, to the podcast to discuss the technology and innovation he uses in his practice, focusing on laser floater removal. Dr. Singh reviews 1-Step vitreous removal technology (Vista Ophthalmics) for treating symptomatic floaters and how it has revolutionized his practice and prov…
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Trust: The Foundation of Every Successful Business
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9:08
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9:08Trust forms the cornerstone of every thriving business relationship. Although many focus on profits and growth, this fundamental quality ultimately determines long-term success. Consequently, businesses that prioritize building strong relationships create deeper connections with customers, employees, and suppliers alike. Think about your own experi…
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1091-It's Not Too Late For You To Build Financial Security
19:28
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19:28Join me September 17-20 in Kuala Lumpur for the world's #1 internationalization event: www.NomadCapitalist.com/live
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1090-Live From Radical Family Camp 2025! (Q&A)
1:13:01
1:13:01
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1:13:01Come join me at Nomad Capitalist Live September 17-20 in Kuala Lumpur: www.NomadCapitalist.com/live
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Overtrading: The Hidden Danger of Rapid Business Growth
7:41
7:41
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7:41Overtrading can destroy even profitable businesses when growth happens too quickly. Although most business owners aim for growth, we often overlook the risks that come with rapid expansion. Furthermore, this week's episode explores why managing your growth carefully is essential for long-term success. What Is Overtrading? Overtrading occurs when a …
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Financial Accountability: Why It Matters in Business
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7:34Financial accountability is more than tracking money—it is the compass that keeps our business heading toward the right destination. Evidently, without clear direction, we risk getting lost in daily chaos. However, when we embrace responsibility for our numbers, we take control of our journey. Planning With Purpose Firstly, running a business witho…
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Jargon: Why Understanding Financial Terms Matters
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6:23
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6:23Why Financial Jargon Feels Like a Foreign Language Jargon can make financial discussions feel like navigating an unfamiliar country without knowing the language. Additionally, many business owners struggle with terms like equity, liquidity, and ROI, which can lead to confusion and uncertainty. However, understanding the basics helps us take control…
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Episode 288 Suddenly, every loose doorknob, overgrown weed, and dusty attic becomes a top priority. Your spouse's "to-do" list mysteriously multiplies.
55:00
55:00
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55:00Okay, so, here's the thing: as you get older, life's gonna toss you some curveballs, right? That's just how it goes. But, if you're smart and make a retirement plan that can bend a little, and you keep an eye on it, you'll be way better equipped to handle whatever comes your way. Basically, don't just set it and forget it!…
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Managing the Learning Curve as an Early Adopter
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39:09
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39:09William Wiley, MD, joins Blake Williamson, MD, MPH, and Gary Wörtz, MD, to share his early experience with the VisuMax 800 (Carl Zeiss Meditec) for SMILE. The three surgeons also share experiences with other technologies and highlight the importance of embracing the learning curve to lead the way as an early adopter in ophthalmology.…
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Passion: Why It’s Not Enough to Succeed in Business
6:26
6:26
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6:26Passion vs. Practicality Passion may spark a business idea, but it is never enough to guarantee success. Many believe that following their passion automatically leads to profit. However, without planning, effort, and strategy, businesses struggle to survive. Therefore, we must approach business with a mindset that values numbers, structure, and sus…
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1088-Friday Q&A: Financial Inflation, Lifestyle Inflation, Family Business, Saving for a New Grandchild
1:12:27
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1:12:271:00 How do I protect myself from inflation risks, both financial and lifestyle? 25:00 How do I get my life under control with children? 50:00 How can I move from a career in sales to a multi-generational family business? 59:00 How can Grandparents save for a new grandchild?
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Episode 287 - Take the replace my paycheck challenge.
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53:00
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53:00"Retirement... it's the reward we dream of after all those years of hard work, right? No more morning alarms, no more office politics, and definitely no more exhausting commutes. But here's the thing: while you definitely gain a lot of freedom, you also lose more than you might realize. Details just ahead…
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Episode 286 - "Stock Market Rollercoaster: Investors Advised to Bring Barf Bags."
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53:00There’s been lots of chatter about tariffs lately, and it's causing a lot of confusion and worry. Today, we cut through the noise and give you the real scoop on what you need to know.
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1087-Let's Not Normalize Government Crypto Scams
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Hiring staff is a significant decision for any business. We know that it comes with both opportunities and challenges. In this episode, we will break down the costs and benefits of hiring employees versus freelancers. Additionally, we will explore why making the right choices can have a major impact on your business’s growth. Why Should You Conside…
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