Faith & Finance - Financial Advice for Students and Early Career Adults with Bob Doll

March 27, 2026·25 min·2 clips

Bob Doll wishes he had given more away in his 20s, sharing a lesson on generosity that reshaped his financial journey.

This episode of Faith & Finance features host Rob West and guest Bob Doll, CEO of Crossmark Global Investments, offering financial guidance rooted in biblical principles for students and early-career adults. Doll emphasizes the foundational importance of creating and adhering to a budget, using tools like the FaithFi app, and establishing an emergency fund covering three to six months of expenses. He strongly advises avoiding high-interest credit card debt and prioritizing the repayment of student loans to harness the positive power of compound interest rather than letting it work against you. Doll recommends learning from others by observing both successful and struggling individuals and seeking mentorship, potentially from a financial advisor. He shares a personal regret about not being generous enough with wealth accumulation during his early Wall Street career, advocating for proactive giving. For investing, he suggests starting early with simple, low-cost index funds and utilizing employer-sponsored retirement programs, especially those with matching contributions. Doll also highlights the growing field of values-based, faith-aligned investing and the long-term benefits of Roth IRAs. A memorable insight is Doll's reference to the proverb that "God prospers us not necessarily to increase our standard of living, but our standard of giving." He and West discuss the tension in determining giving levels, noting that scripture does not prescribe a fixed percentage but encourages prayerful discussion, especially within marriage. The episode also covers practical topics like the necessity of wills and digital asset planning for young adults, as well as special financial vehicles like ABLE accounts for families with special needs dependents. The tone is educational and conversational, blending practical financial tips with scriptural references and personal anecdotes. Listeners seeking faith-based financial advice for building a solid early foundation, including budgeting, debt avoidance, and intentional giving, will find this episode highly relevant. Those uninterested in integrating religious principles with money management or looking for advanced investment strategies may find it less applicable.

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