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Personal finance for smart people by the host of the Dough Roller Money Podcast. Rather than forcing you into a one-size-fits-all financial plan, we discuss the tools, resources, and strategies that will empower you to make the best money decisions for you and your family.
226 Episodes
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Dave Ramsey is perhaps best known for his baby steps and helping countless people get out of debt. Among low cost index fund investors, he's also known as recommending expensive mutual funds with front loaded sales charges. While fees are important, what matters even more is after-fee returns. And that raises an important question-- Does Dave Ramsey's approach to investing outperform a portfolio of low cost index funds? In this episode, we'll look at American Funds, which appear to be Dave'...
1Opening an IRA account is an important step towards saving for retirement. The best IRA accounts have low fees, a wide array of investment options and tools that make investing easy. My analysis stems from holding accounts at each of the brokers on the list, with the exception of Ally Invest. I’ve had a Rollover IRA, Roth IRA, Traditional IRA, SEP IRA or an Inherited IRA at Wealthfront, Vanguard, Fidelity and Merrill Edge. I’ve held taxable accounts at Betterment and M1 Finance. Beyon...
Index funds like an S&P 500 index fund will underperform other investments each and every year. It will underperform countless stocks and even other actively managed ETFs and mutual funds. To build wealth, you have to be willing to accept that other investors will outperform your portfolio each and every year. The good news is that you'll likely outperform them every decade.
A three fund portfolio is a simple approach to investing that, as the name suggests, involves just three mutual funds or exchange-traded funds. In just three funds, an investor can build a diversified, low cost portfolio that's easy to manage. Popularized by the Bogleheads, the three fund portfolio is one of several "Lazy Portfolios." You don't let the Simplicity fool you. A three fund portfolio has outperformed most comparable actively managed portfolios Over the past several decades....
An update on how I'm saving and investing all of the cash back rewards earned from credit cards. I'll show you my M1 Finance account, how I'm investing the rewards, and how those investments are performing.
History tells us how and why bear markets are an investor’s best friend. In this video, we walk through the numbers of the 2008 bear market to see what investors should do during a market decline. TOOLS & BOOKS I LOVE My Book (of course): https://amzn.to/3by10EE Personal Capital: http://go.robberger.com/PersonalCapital Morningstar: http://go.robberger.com/Morningstar Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve ABOUT ME While still working as a trial attor...
In this podcast, you'll learn how to maximize credit card rewards and invest them to build wealth. We look at a free credit card rewards calculator and discuss the best credit cards to get the most out of your rewards. RESOURCES MENTIONED IN THIS VIDEO Credit Card Rewards Calculator: Alliant Credit Union Visa Signature Card https://www.alliantcreditunion.org/bank/visa-signature-card 2.5% Cash Back $10,000 Monthly Spending Cap (1% thereafter) $99 Annual Fee (waived the first year) Ap...
Under the newly enacted CARES Act, you can legally stop making your mortgage payment for up to one full year. Here's what you need to know. RESOURCES MENTIONED IN PODCAST * Freddie Mac: https://myhome.freddiemac.com/own/getting-help-disaster.html * Fannie Mae: https://www.knowyouroptions.com/covid19assistance * Freddie Mortgage Lookup: https://ww3.freddiemac.com/loanlookup/ * Fannie Mortgage Lookup: https://www.knowyouroptions.com/loanlookup TOOLS & BOOKS I LOVE My Book (of course): h...
We build a free savings calculator in Google Sheets. It's easy to use, can be built in Excel if you prefer, and it will help you see the power of compounding. Enjoy! Savings Calculator: https://bit.ly/2JCfdod TOOLS & BOOKS I LOVE My Book (of course): https://amzn.to/3by10EE Personal Capital: http://go.robberger.com/PersonalCapital Morningstar: http://go.robberger.com/Morningstar Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve ABOUT ME While still working as ...
The Cares Act offers student loan forbearance on all federal student loans. Here’s what you need to know. RESOURCES MENTIONED IN THE PODCAST CARES Act: https://www.congress.gov/bill/116th-congress/house-bill/748/text#toc-H84A93012B87A4D09A1F0A6DE5E61EE31 https://studentaid.gov/announcements-events/coronavirus https://www.consumerfinance.gov/about-us/blog/what-you-need-to-know-about-student-loans-and-coronavirus-pandemic/ CornerStone: 1-800-663-1662 FedLoan Servicing (PHEAA): 1-800-699-29...
Here are the resources mentioned in the podcast: Sick Leave https://www.irs.gov/newsroom/treasury-irs-and-labor-announce-plan-to-implement-coronavirus-related-paid-leave-for-workers-and-tax-credits-for-small-and-midsize-businesses-to-swiftly-recover-the-cost-of-providing-coronavirus Travel Relief https://www.forbes.com/sites/advisor/2020/03/11/master-list-of-airline-coronavirus-policies/ https://www.forbes.com/sites/forbestravelguide/2020/03/13/master-list-of-hotel-coronavirus-change-and...
A review of an investment tracking spreadsheet you can download for free. Free Investment Tracking Spreadsheet: https://bit.ly/3dMezSP Same spreadsheet but with the rebalancing column: https://bit.ly/2vTUp8x TOOLS & BOOKS I LOVE My Book (of course): https://amzn.to/3by10EE Personal Capital: http://go.robberger.com/PersonalCapital Morningstar: http://go.robberger.com/Morningstar Chase Sapphire Reserve: http://go.robberger.com/Sapphire_Reserve ABOUT ME While still working as ...
The Coronavirus has plunged us into the first bear market in more than a decade. Here’s how those in or nearing retirement can handle their investments to navigate the market crash with confidence. RESOURCES Vanguard Advisory Services: https://investor.vanguard.com/financial-advisor/financial-advice Fee-only Advisors: --https://planvisionmn.com/ --https://rickferri.com/ Personal Capital: http://bit.ly/2IXHuFr Morningstar: http://bit.ly/3dgN1VI 4% Rule--William Bengen's original 19...
Is it really possible to build wealth on just $5 a day? In this episode, we cover what's called the Latte Factor. We look at how small, seemingly insignificant changes in how we spend money can have a positive change in our finances.
In today's Five Question Friday (FQF) video, we cover the following questions: 1. What are the best finance apps for those with a learning disability? 2. Is 3% SWR the new 4%? 3. How do you model tax-free income in Boldin? 4. In what account type should you hold cash you plan to spend in the first few years of retirement? 5. What inflation rate should you assume in retirement? Resources Monarch Money: https://go.robberger.com/monarch-yt/y... (Use Promo Code ROB50 for 50% off the first year...
In today's video, we discuss how Income-Related Monthly Adjustment Amount (IRMAA) payments are calculated and 8 strategies to reduce or even eliminate the payments. Resources from the Video Reddit Forum Post: / strategies_to_reduce_irmaa_costs_medicare 2025 IRMAA Brackets: https://www.humana.com/medicare/medic... IRMAA MAGI Calculation: https://secure.ssa.gov/poms.nsf/lnx/0... SSA-44 Form: https://www.ssa.gov/forms/ssa-44.pdf Boldin: https://go.robberger.com/boldin/yt-irmma Projection...
In today's Five Question Friday (FQF), we cover five great questions and one tax calculator: 1. What is the Tax Triangle? (Traditional, Roth, and taxable accounts) 2. Is the Withdrawal Amount in FICalc the same as spending? 3. When should you sell an investment that's at a loss? 4. How far into the future should we plan? 5. When and how quickly should you change asset allocation as you near retirement? Tool: Retirement Tax-Friendly States: https://smartasset.com/retirement/ret... Resources...
A viewer recently asked about bracket filling: "I haven't heard you or other financial advisors say much about "bracket filling" in retirement. Is it reasonable to think that in retirement I should be filling a tax bracket up with pre-tax accounts, then using after-tax accounts for withdrawals that reach into the higher bracket? Is there a way to model this in Bolden?" It's a great question that we cover in this video. Resources Mentioned in Video Boldin: https://go.robberger.com/boldin/y...
The passage of the One Big Beautiful Bill Act has brought us a number of changes to the tax laws. Some changes are "permanent," meaning it would take an act of Congress and the President to change them. Some are "temporary," meaning they expire at some point in the future. Almost all of them can affect how we plan for retirement, particularly when it comes to Roth conversion strategies, tax-gain harvesting, and even traditional retirement account distributions. In this video, I walk through ...
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