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PODCAST

Money For the Rest of Us

A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com

business investing

All Episodes

00:29:48

Beyond Stocks: The Allure and Strategy of Credit...

Money For the Rest of Us ·

2023/10/18

Why investing in non-investment grade bonds, leveraged loans, and preferred stocks is potentially more compelling than investing in common stocks at present. Topics covered include:Why Howard Marks told institutional clients to sell stocks and buy high-yield bonds insteadThe contractual agreements comprising bonds, leveraged loans, and preferred stock give them an advantage relative to common stocksHow preferred equity exhibits attributes of both bonds and common stocksWhat is the expected return

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00:27:37

How Much Should You Invest in Stocks? The Art of...

Money For the Rest of Us ·

2023/10/11

Our allocation to risky assets should vary based on the expected return, volatility, risk aversion, and how much we can earn risk-free. That means we should be taking less risk right now. Listen to learn why. Topics covered include:Why there are so few billionairesWhy the hedge fund Long Term Capital Management implodedWhy how much to invest is more important than where to investHow the Merton share formula can assist with determining what percent of our wealth to invest in risky assetsWhy are

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00:28:38

How Higher Interest Rates Alter Our Financial Blueprint

Money For the Rest of Us ·

2023/10/04

We explore six impacts of higher interest rates on housing, capital projects, stock buybacks, excess returns for stocks, bonds, and other asset classes, and individual opportunity costs. Topics covered include:Where current interest rates standCentral banker predictions for how long cash yields will stay this highWhy housing is the least affordable since the early 1980sWhy new apartment building construction has collapsedWhat has been the excess return for stocks, bonds, and other asset classes

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00:27:27

The House of Cards: Evaluating Economic and Financial...

Money For the Rest of Us ·

2023/09/27

What are the economic and financial system early warning signs that we should heed rather than get caught up in fearmongering? When should we start to worry about ballooning budget deficits, the national debt, a currency collapse, or the stock market? Topics covered include:Signals to monitor to see if things are falling apartHow much government debt is too much and why interest rates are keyWhy central banks don't control the stock marketWhy the dollar remains dominant, and what has to change for

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00:28:37

Where Are Interest Rates Headed Next? Insights from...

Money For the Rest of Us ·

2023/09/20

Why you might want to lock in higher yields now, given real interest rates are the highest they have been in 15 years. Topics covered include:What was covered this year at the Federal Reserve Jackson Hole SymposiumWhat are the primary policy actions central banks take, and how do they influence interest ratesWhat is the neutral real rate of interest, and why is it importantWhy new ideas are central to an increasing standard of livingWhat would drive interest rates higher or lower from current

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00:24:31

Our Car Was Attacked! Is Property Crime Increasing?

Money For the Rest of Us ·

2023/09/13

David shares how thieves recently tried to smash and grab his luggage from his car while he was still inside it. He then explores property crime trends, whether they are increasing or decreasing, and why. Topic covers include:How thieves have stolen luggage from the same gas station multiple times per dayWhat have property crime rates been in the U.S. over the past few decades and since the end of the pandemicWhat are reasons property crime rises and fallsWhat is inventory shrink and how is it

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00:27:07

Die With Zero: Why You Should Start Spending Now

Money For the Rest of Us ·

2023/09/06

How to balance saving, investing, and spending for a fulfilling life. Why you will probably reach your peak net worth sooner than you think and should start drawing down your nest egg earlier. Why we can't optimize for a fulfilling life but can still have one. Topics covered include:How to estimate how much to spend from your retirement assets so you die with zeroWhat is time bucketing and why it doesn't work for everyoneHow to balance the fear of making a change with the fear of missing outThe

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00:33:07

Bond Investing Masterclass Bonus Episode

Money For the Rest of Us ·

2023/08/30

Three additional insights to help you confidently invest in fixed income. First, what are the different measures of bond yields, and which is best? Second, how to estimate the return for a bond ETF or fund and how long do you have to own it to achieve that annualized return? Finally, we explore a bond type that yields more than U.S. Treasuries, has never defaulted, and has the implicit guarantee of the U.S. government. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at

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00:28:30

From Boom to Bust: Why China's Stocks Lagged Behind...

Money For the Rest of Us ·

2023/08/23

How badly has China's stock market performed except for one remarkable decadeWhat are the economic and governance factors that contributed to the underperformanceWhy it's too soon to write off China despite the structural headwindsWhat are the factors that contribute to economic growth and a robust stock market, and which emerging market countries display those factorsWhat are some ETFs to invest in countries with favorable economic tailwinds Sponsors Use code MONEY10 to get 10% off on your NAPA

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00:26:36

Natural Disasters: Are They Truly Increasing?

Money For the Rest of Us ·

2023/08/16

From raging wildfires to devastating floods, how are these natural events reshaping our financial landscape? What if anything, should we be doing with our investments as a result? Topics covered include:The devastating Maui wildfire: What are the factors that led to one of the deadliest wildfires in US history.Global wildfire trends: Are they really increasing? The data might surprise you.The role of insurance companies: Learn how the giants of the reinsurance world, like Swiss Re and Munich Re,

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00:30:14

Five Surprising Insights About Stock Indexes and Funds

Money For the Rest of Us ·

2023/08/09

We share five things we have learned about stock index valuations, earnings, currency, and why value investing isn't dead. Topics covered include:How index providers divide the stock universe into large and small, growth and valueThe difference between the price-to-earnings ratio and earnings yield and which is betterHow earnings volatility can impact annual earnings growth and what to use to estimate future earningsHow value stocks often grow earnings faster than growth stocksHow value has

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00:27:05

Crisis-Proof Investing: Strategies for a Shaky Future

Money For the Rest of Us ·

2023/08/02

Given climate change and other risks, how should you invest for the next forty years? Topics covered include:What predictions from the last forty years came true and which didn'tWhy the next forty years will have a lot of similarities to the last forty years despite the promise of AIWhy the scale and complexity of the world make big transitions away from oil, cement, and natural gas unlikelyWhy economic growth and consumption will likely continue leading to positive investment returnsHow should our

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00:28:30

What If Social Security Had Been Privatized? The...

Money For the Rest of Us ·

2023/07/26

In 2005, Congress debated giving U.S. workers private savings accounts to invest their Social Security contributions in the stock and bond markets. Sixteen years later, we review how that would have worked out for workers. Other topics discussed include:How the public and private sectors are both critical for a functioning social security systemsWhich countries pay the highest social security benefitsHow have other privatized social security plans worked out around the worldHow workers prefer

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00:26:04

Beware of Platform Risk - How PeerStreet, a Real...

Money For the Rest of Us ·

2023/07/19

How to mitigate the risk of investing on crowdfunding platforms where there is little transparency on the underlying financial health of the platform company. Topics covered include:What is the platform economyHow blitzscaling and an over-reliance on venture capital funding led to Peer Street's bankruptcyWhat happens next for investors on Peer Street's platformsHow individuals and businesses can mitigate the risk of investing or conducting business on platforms Sponsors Madison Trust

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00:26:18

How and Why to Invest in AI

Money For the Rest of Us ·

2023/07/12

AI models like ChatGPT could lead to massive productivity gains, accelerated economic growth, and higher stock returns. Here's how to invest in AI. Topics covered include:How workers are already using AI models like ChatGPT to boost productivityWhy ChatGPT is better at search than Google for certain queriesHow AI models will change the economic narrativeWhat are ways to invest in AI, including specific ETFs For more information on this episode click here. Sponsors NetSuite – the leading

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00:47:52

Why Are You Investing? Defining Your Rich Life with...

Money For the Rest of Us ·

2023/06/28

Camden and Bret sit down with Ramit Sethi, host of Netflix’s hit show, “How to Get Rich”, author of the New York Times bestseller, “I Will Teach You To Be Rich” and host of the popular “I Will Teach You To Be Rich” podcast. He is known for his unconventional insights on money psychology and his no-nonsense approach to designing and living a rich life. Ramit’s financial philosophy is centered around several key principles, including the importance of automating your finances, using money psychology

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00:26:55

How to Live Like You Are Already Retired

Money For the Rest of Us ·

2023/06/21

How to create and sustain a life of freedom and happiness you don't want to retire from. Topics covered include:What are the physical and mental aspects of living like you are already retiredWhat is the good life, and what are the basic goods that contribute to itHow we handle time is the key to the good life and living like we are already retired For more information on this episode click here. Sponsors Money Pickle – Schedule a free 45-minute video chat with a vetted financial advisor and ask

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00:28:44

How Did They Do? - Revisiting Carbon, SPACs, Silver,...

Money For the Rest of Us ·

2023/06/14

We review the performance and investment prospects for carbon, SPACs, silver, convertible bonds, and frontier markets. Topics covered:What has been the performance of these five asset types since they were discussed on the podcast two to three years agoWhat are the underlying performance drivers and expected returns going forwardWhich asset types are most and least attractive For more information on this episode click here. Sponsors Masterworks – invest in contemporary art Masterworks

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00:27:05

Is It Better to Rent or Buy a Home?

Money For the Rest of Us ·

2023/06/07

How to decide whether to rent a house or apartment or purchase a home or condo. What has been the financial return from owning a house? Topics covered include:How much have home prices increased in major cities since 1980What drove the greater than 50% jump in home prices in some U.S. cities since 2020Why there aren't more new starter homesWhat will it take for the housing shortage to abate so houses can be more affordableWhy now could be a more advantageous time to rent versus buyWhat academics

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00:22:44

Don't Be Afraid to Invest In Commercial Real Estate -...

Money For the Rest of Us ·

2023/05/24

Why equity real estate investment trusts should be part of your investment portfolio despite the office sector's struggles. Topics covered include:Why some office REITs are down 30% in 2023, and owners are walking away from buildingsHow commercial mortgages differ from residential mortgagesThe broad sector diversification found within equity REIT ETFsWhat have equity REITs performed long-term and what drove those returnsWhat is a reasonable return expectation for equity REITsWhy equity REIT prices

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248 results

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