The Dough Roller Money Podcast

Photo: Phil Romans Saving to buy a home is both exciting and overwhelming. When my wife and I were saving to buy our first home, I thought we’d never have enough for the down payment. But somehow we came up with the money. One of the keys to our success was saving the cash in […]

The post DR 095: 5 Places To Keep Your Down Payment When Saving to Buy a Home appeared first on The Dough Roller.

Direct download: DR_095--Where_To_Stash_Your_Down_Payment.mp3
Category: -- posted at: 12:00pm EST

Most of us use a lot of tools to manage our money, budget, investments, and so forth. So I thought I’d pull together a list of the tools I use nearly every day. Hopefully you’ll find some options here that will help you make the most of your money. Investing 1. Personal Capital: Without question […]

The post 22 of the Best Tools to Manage Your Money (most are totally FREE) appeared first on The Dough Roller.

Direct download: DR_094--Best_Money_Tools.mp3
Category: -- posted at: 9:00am EST

In the world of tax-advantaged retirement savings accounts, there are plenty of options. But the two most commonly-used options are the 401(k) and the IRA. Both come in traditional (save taxes on contributions) and Roth (save taxes on withdrawals) options. While there are many similarities between a 401k and an IRA, there are also some […]

The post DR 093: 401(k)s vs. IRAs: What are the Pros and Cons? appeared first on The Dough Roller.

Direct download: DR_093-401k_vs_IRA_Retirement_Accounts.mp3
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It all started with a simple question about dividends and mutual fund fees. A listener to the podcast named Stephanie wanted to know if a fund’s returns were after fees and dividends. (They are.) After I learned more about Stephanie’s finances and career through several email exchanges, I popped the question. No, not that question. […]

The post DR 092: How One Doctor is Learning to Invest Like a Pro appeared first on The Dough Roller.

Direct download: DR092-Interview_with_Stephanie_on_Investing_1_1.mp3
Category: -- posted at: 9:20am EST

If you have self-employed income in addition to your regular job, can you contribute to a SEP IRA even if you have a 401k at work? This question hit home for me a few years ago due to the income generated from this website. To get right to the point, the answer to the question […]

The post DR 091: Don’t Make the Same $100,000 Retirement Mistake I Just Made appeared first on The Dough Roller.

Direct download: DR_091--SEP_IRA_Leasons_Learned.mp3
Category: -- posted at: 10:00am EST

It’s without a doubt the most frequent question I receive from readers of this blog. People want to know whether they should put their retirement savings in a Roth vs traditional IRA or 401k. I’ve written a lot about these retirement options. If you are new to retirement accounts, I’d suggest you start by reading […]

The post DR 090: Roth vs. Traditional IRA or 401k: The Math Behind This Important Decision appeared first on The Dough Roller.

Direct download: DR_090-Traditional_vs_Roth_Retirement_Accounts.mp3
Category: -- posted at: 7:44am EST

We face countless personal finance decisions every day. They range from the seemingly trivial (should we go out for dinner) to the more impactful (how much should we spend on a home). Yet each of these decisions work together to over a lifetime to define our finances. Over the course of running this blog since […]

The post DR 089: 12 Keys to Making Smart Financial Decisions (#7 is a Doozy) appeared first on The Dough Roller.

Direct download: DR_089-12_Keys_to_Making_Smart_Financial_Decisions.mp3
Category: -- posted at: 5:54pm EST

Recently a number of listeners to the podcast have asked about evaluating real estate investments. They want to know how much rent they would need to charge for a specific property to make it a “good” investment. The good news is that evaluating the numbers is really simple. Today we’ll look at 3 key ratios […]

The post DR 088: 3 Key Ratios to Evaluate Real Estate Investments (#1 is All You Really Need) appeared first on The Dough Roller.

Direct download: DR_088-The_Key_Ways_to_Evaluate_a_Real_Estate_Investment.mp3
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You’ve probably heard a lot of stories recently about new graduates with mountains of student loan debt. It’s not uncommon to hear of students with $100,000+ in school loans. Today I wanted to share a success story with you that bucks this trend. This story is about a young woman who made different choices when […]

The post DR 087: How Natalie Graduated Debt-Free, Paid Cash for a Car, and Bought a Home (She’s Only 24!) appeared first on The Dough Roller.

Direct download: DR_087--Interview_with_Natalie_1.mp3
Category: -- posted at: 10:58am EST

Recently I’ve started receiving the Morningstar Portfolio Monitor. It’s a monthly pdf that Morningstar puts together for premium members who track their portfolio using Morningstar’s Portfolio Manager. Simply put, it’s an amazing look into an investment portfolio. In this article we’ll walk through a detailed review of the Portfolio Monitor (including screenshots). At the end […]

The post DR 086: How to Spy on Your Own Investment Portfolio appeared first on The Dough Roller.

Direct download: DR_086-Morningstar_Portfolio_Monitor.mp3
Category: -- posted at: 9:21am EST

Many people keep some form of a budget. We use our favorite budgeting tool, YNAB. Others use a spreadsheet or pen and paper. Whatever the approach, a budget helps you understand your income and expenses. Fewer people track their net worth. A net worth statement tracks your assets and liabilities. It’s the scorecard of personal […]

The post DR 085: How Your Budget and Net Worth Statements Work Together to Build Wealth appeared first on The Dough Roller.

Direct download: DR_085-Budget_and_Net_Worth_Statements.mp3
Category: -- posted at: 3:00pm EST

It’s a good problem to have. You’ve maxed out your 401k and IRA contributions for the year and you still have some more cash to invest. What are your options? That’s the situation a reader named Harout recently emailed me about: I am a little obsessed with your podcasts. I listen to about one a […]

The post DR 084: Where To Invest When You’ve Maxed Out Contributions To Retirement Accounts appeared first on The Dough Roller.

Direct download: DR_084-Where_to_Invest_After_401k_and_IRA.mp3
Category: -- posted at: 12:00pm EST

Have you ever wondered how professional bloggers get started and make a living? Blogs don’t just spring up overnight. They take months – even years – of hard work. But the work can be well worth the rewards, if you do it right. The best way to learn about starting a blog is to talk […]

The post DR 083: How to Blog for a Living – An Interview with Bob Lotich of ChristianPF appeared first on The Dough Roller.

Direct download: DR_083--Bob_Lotich.mp3
Category: -- posted at: 7:50am EST

Exactly how much should you be saving for retirement? It seems that everybody has an opinion on this deceptively simple question. Actually, it is simple to answer, so long as you understand the implications of your choices. To address this question, we are going to look at the standard rules of thumb on retirement savings. […]

The post DR 082: How Much Should You Be Saving for Retirement? appeared first on The Dough Roller.

Direct download: DR_082-How_Much_Should_You_Save_for_Retirement.mp3
Category: -- posted at: 12:25pm EST