The Dough Roller Money Podcast

This podcast started from a simple idea–people want to learn how to manage their money more effectively. What started from nothing has grown into a podcast with 75,000 downloads a month. I’m humbled.

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22 Responses to “The Dough Roller Money Podcast”

    • Stephanie Colestock
      Stephanie Colestock

      Head over to doughroller.net/facebookgroup to be directed to the page. Just click “join group” and we will accept your request. It’s a wonderful resource and everyone in there is a wealth of knowledge. Hope to see you in the group!

      –Stephanie

  1. We are in the process of switching our 12 employees & ourselves from Edward Jones to Vanguard. Returns have not been good for 7 years. He hasn’t taught me a thing. I took it upon myself to learn & your podcast confirmed all my beliefs. He consistently skirted around my direct questions. Episode 234 confirmed everything I thought I knew. I listen to several money podcasts. That was the most understandable, thorough explanation I’ve ever heard. BRAVO! This is the first time I’ve ever left a post for a podcast! So excited! Thank you so much!!

    • Stephanie Colestock
      Stephanie Colestock

      So glad you enjoyed the podcast, Shayla, and hope you’ll stick around for more! Let us know if you ever have any specific questions for which you can’t find an answer.

      Best, Stephanie

  2. Bey Melamed

    1. Thanks for the wonderful (podcast 179). 2. Clicked download (and subsequent links) but could not figure out how to copy the spreadsheet and create my own. 3. I got some idea(s) about improving the spreadsheet – for example… “create your own indicator” for evaluating a stock

  3. Good work on your latest podcast on personal responsibility. I know you will no doubt get your haters who will very strongly disagree with you. But for what it’s worth, I couldn’t agree with you more!
    Cheers
    Sam

  4. John Quirke

    Is there something wrong with the podcast? I downloaded this to my android and I have just listened to it onlne. Both times around 1hour 7 to 1hour 8 minutes and just before it ends there is some weird buzzing over the voice? Is this something I am doing?

    John

  5. DANNY JENSEN

    RE: DR271 Podcast.
    Rob, I enjoy your podcasts. I’m a Paul Merriman listener who became aware of you through your podcast with Paul. I’m 57 and have been mostly retired since I was 48. My comments relate to your take on Paul’s Strategy I have been using for years.
    1. Paul’s strategy isn’t really Paul’s it is anchored in DFA strategy, Dr’s Fama and French who have complied academic evidence supporting this strategy. While nothing has guarantees, it does seem more likely that this strategy has a higher likelihood of achieving a greater return for unit of risk.
    2. The latest SPIVA reports seem to cast doubts on active management ( owning individual stocks). It is very difficult and very unlikely that active management will beat passive. Accordingly, I don’t see how it would be a good idea for investors to own individual stocks vs index funds. I too still own stocks I’m unwinding and it is quite difficult to figure the correct time to sell. Tax loss harvesting and rebalancing is much easier using ETFs. And yes, over the years I have owned stocks like WaMu and Enron. You may say it more fun to own stocks but I’d rather get a higher return and have more free time. Here are some links to support my Paul’s position http://www.etf.com/sections/index-investor-corner/swedroe-spiva-survey-continues-passive-winning-streak ,http://www.etf.com/sections/index-investor-corner/swedroe-europes-spiva-results-nothing-new
    3. Target date funds are not optimized for the latest academic evidence. They usually are too conservative and they lack enough of certain asset classes like small cap value. What is the goal here? To increase the likelihood you will get to financial freedom at the earliest possible date. Not 2 years later. Here is a podcast on this topic. http://paulmerriman.com/3-ways-target-date-funds-fail-investors/
    4. So what do I care about 1,2 and 3 above? Because someone one half a percent is a big deal. It can change your retirement life and cause you to delay your financial freedom date. Here is an article on this topic. http://paulmerriman.com/opinion-a-half-percent-can-change-retirement/

    Thank you again for your podcasts and all the great content on your website.
    Danny
    Redondo Beach, CA

  6. gary bradford

    Re 268, I worked with Mark Zoril and the value he added to my financial well being was exactly what he promised on your podcast and more. A greater value cannot be obtained anywhere. Mark is very hard working, experienced, and responsive to a fault. The best value anyone can ever get for their money. Thank you Rob and Thank You Mark!

  7. Patrick

    Re 268 I also worked with Mark Zoril after hearing him on this episode. I found it to be a great experience at a great value. Mark was eager to help and quick to respond. Thank you!

  8. the lady on the vanguard pod cast made the comment that giving securities will result in the gain not being taxed. that is incorrect. if you donate long term(held by the donor for 12 months and one day or longer) securities you will be able to deduct the fair market value on the date you transferred the securities to vanguard. if you have not held the securities for the long term you can only deduct the original cost of the securities.

  9. Hi Rob, I am a long time listener. I have learned a lot from your podcast over the years. After hearing this podcast I contacted Mark Zoril. I have been looking for someone to outline a plan as I am getting closer to retirement. It is the best money I have ever spent. Mark’s knowledge and experience are invaluable. The other fee only planners were going to charge me $1500-3500 for what would have been a similar plan. The ability to receive ongoing guidance is also something that was not mentioned on the show. Thanks for all the wonderful resources your give us. You have truly impacted my financial life.,.

  10. Just finished up meeting with Mark Zoril after hearing about him on your podcast. As a do it yourself investor for retirement with a fairly long time horizon (I’m 34), he provided exactly what I was looking for: an affordable adviser to look over my plan and investments and tell me if I was on track to meet my goals, if my goals were reasonable, and point out any glaring problems. Luckily, for me it turns out I was doing okay; but the assurance was well worth the cost to me! Mark also helped me evaluate opening an HSA, and my family’s need for additional life insurance. I would recommend his services in a heartbeat!

  11. Bob, great website and podcasts. I’ve only been listening for the last 2 months, only recently discovering your terrific service. Concerning podcast 278, I haven’t been able to find Mark Zoril’s contact information. When I google him or Planvision, the icon spins and time outs. I’d appreciate any direction.

  12. Lisa Rehms

    Hello. Thanks for your podcast, really enjoy your insight. Could you explain your opinion of the Russell indices. I recently read, ‘ Unconventional Success’ by David Swenson. In this book, he advises investors to avoid Russell Funds and favors the S & P and Wilshire indices.

    Basically, his views are as follows:
    Russell (1000, 2000, & 3000 funds), are notorious for being poorly constructed due to high turnover of companies in these funds. High turnover leads to the inefficiency of funds and excessively high fees. He recommends the indices of the S & P 500 OR Wilshire 5000, as they have a much lower turnover of companies that make up the funds. Russell indices turnover run anywhere from 15.8% to 23.4%, compared with the efficient indices of the S & P 500 and Wilshire 5000, which typically average about 4.3%. The percentage difference has to do with how the different indices manage the companies in the fund. The Russell group of indices assigns companies in July each year, based on the performance of the company. He views this as a flawed approach. Index managers buy new ‘joiners’ and mindlessly sell companies ‘exiting’. With July reconstruction, the arbitrage of activity causes index managers to pay more for purchases and receive less for sales. In contrast, the companies that comprise the S & P 500 and Wilshire 5000 are based on the ebb and flow of companies going out of business. Only then will the managers assign new companies to these indices.

    I have a 457b plan through my employer (state of Oregon). This plan uses the Russell Funds (1000, 2000, & 3000) of which comprises some of my portfolio. I also have a Roth IRA through Vanguard where I hold the Total International Index (10%), Total US Stock Market Index -Wilshire 5000 (40%), REIT (10%), Small Cap Value (10%), and Total Bond (20%). Do the Russell Funds performing differently. Should I be worried about the Russell Funds in my 457b?? The plan does not offer an in-service transfer of portfolio. Upon retirement (in 4-6 years), I plan to do a direct transfer of my 457b to a Vanguard IRA.

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