DR 141-6 Reasons to Pay Cash for a Car (and how to actually do it)

Financing a car is almost an automatic step. With the cost of the average car in the neighborhood of $32,000, very few people pay cash for a car. Yet this is just one of many times we shouldn’t go with the flow. There are plenty of reasons to pay cash for car, as well as […]

Published or Updated: December 29, 2014

DR 140: The Best of 2014

It’s instructive and even inspiring to look back over the last year to see how you’ve lived. Reflecting on the good times and bad help us learn, grow and improve. So I was grateful to receive this email from a reader named Neil: Are you going to do a Best of 2014 show? I know […]

Published or Updated: December 27, 2014

DR 135: How a Single Mom of Three is Achieving Financial Freedom–Interview with Christa Miller

Imagine going to college while raising a young child. Imaging graduating from school with more than $200,000 in student loans. Imagine starting a new career as a single mom raising three children. Imagine tackling more than $15,000 in credit card debt. I give you Christa Miller. In today’s podcast she shares her story. We talk […]

Published or Updated: December 9, 2014

DR 124: Where Do People Keep Their Emergency Fund?

Where do people stash their cash for emergencies? That’s the question I asked more than 18,000 subscribers to the weekly Dough Roller newsletter. The common wisdom is to keep emergency funds in an FDIC insured bank account, preferably one that pays a high yield. But with interest rates at historic lows, are people taking on […]

Published or Updated: April 27, 2015

DR 123: Interview with Joshua Sheats, CFP, of Radical Personal Finance

I met Joshua Sheats earlier this year at a blogger conference. In the span of 30 minutes we talked about everything from budgeting to investing to careers to podcasting. A certified financial planner, among other things, Joshua spent many years in the business. Recently, he hung up his calculator and started a podcast full time […]

Published or Updated: November 6, 2014

DR 122: Good Debt vs. Bad Debt

A lot has been written about good debt vs bad debt. As the names suggest, the idea is to avoid bad debt and embrace, at least to a point, good debt. But what do these terms really mean, and how can they help us make sound financial decisions? Like so many financial rules of thumbs, […]

Published or Updated: November 6, 2014

DR 120: Should You Save for Retirement or a Home?

Prioritizing financial goals is one of the hardest things to do.  And it comes into play in so many different ways. How much would you save for an emergency fund while you’re paying off all your debt? Which debt should you pay off first? Should you pay off all your debt before saving for retirement? […]

Published or Updated: November 1, 2014

Should You Use a Roth IRA as an Emergency Fund?

Should you put your emergency fund in a Roth IRA? If you’re considering this option, you’re not alone. Here is an email from a reader named Thomas asking whether it’s wise to rely on Roth IRA in the case of emergencies: Q:I was wondering what you thought about using Roth IRAs for storing emergency/savings funds? […]

Published or Updated: October 10, 2014

DR 114: 3 Tools to Track Your Net Worth

Tracking your net worth is an essential step to managing your finances. In a single number your net worth can measure your financial progress, whether you are climbing out of debt, building an investment portfolio, or both. We’ve covered how to track your net worth in the past. Recently I received an email from a […]

Published or Updated: October 8, 2014

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