The Andrew Experiment: Can You Easily Learn to Be a DIY Investor?

Recently, a Dough Roller reader and listener, Andrew, sent in a question that was read on episode 240 of the DR Podcast. Andrew said that he wants to take control of his finances, start building wealth, and learn about investing. However, he is feeling overwhelmed figuring out where to get started. It is a situation […]


What You Need to Know About Health Care Sharing Ministries (HCSM)

If you’re looking to leave the traditional workforce to be an entrepreneur, freelance worker, or early retiree, one of the biggest financial challenges you will face is medical insurance. Health Care Sharing Ministries (HCSM) are an alternative to traditional health insurance policies, and could be a viable solution for some people. Why an alternative is […]


How ACA Subsidies Can Benefit Early Retirees

In a recent post, I discussed some of the tremendous tax advantages associated with early retirement. This follow-up discusses another aspect of the tax code that is very favorable to early retirees: ACA subsidies. It’s often a low-cost lifestyle that enables people to retire early and benefit from low taxes in retirement. Well, this also […]


DIY Investing Is the Only Way to Avoid Conflicts of Interest

I have become a personal finance junkie and proponent of do-it yourself (DIY) investing over the past few years. However, this was not always the case. My wife and I used a financial advisor for the first decade of our careers. In retrospect, we learned that we were paying far more than we realized. In […]


How to Get Out of a Bad Variable Annuity

In a recent post, I explained the basics of variable annuities (VAs) and their components. I also shared how we were sold a variable annuity that we later realized was not in our best interest. Hopefully, that post will prevent others from repeating our mistake. As mentioned in the previous article, our experience is (unfortunately) […]


Variable Annuities: What They Are and Why They’re a Bad Idea for Most Investors

I received my initial financial education, particularly as it relates to investing, courtesy of the school of hard knocks. My wife and I spent the first decade of our careers investing with an advisor, one who was paid by commissions on the products we were sold. In the process, we made many massive and expensive […]