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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

00:22:48

What if the World Stopped Shopping?

Money For the Rest of Us ·

2022/12/07

How to solve the conundrum that consumption reductions lead to economic disasters while benefiting the environment. Topics covered include:Why consumption, fossil fuel usage, and carbon emissions keep growingHow fossil fuel consumption goes well beyond heating and transportation uses but is tied to agriculture, steel, and cement productionThe four times global consumption fell and the dire economic consequences that resultedHow the world is consuming twice as many resources as the planet can

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00:26:31

Where to Invest Your Cash Savings for Higher Yields

Money For the Rest of Us ·

2022/11/30

What are the best options for safely investing cash. Topics covered include:High-yield savings accountsCertificates of DepositsGovernment BondsMoney Market Mutual FundsWhen should you invest in long-term bondsWhy some savings apps try to look like banks but they are notWhat happens when central banks lose moneyWhere not to deposit cash for safety For more information on this episode click here. Sponsors MasterClass - Get two annual memberships for the price of one Money App - Triple Your

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00:44:14

Is Emerging and Frontier Markets Investing Still...

Money For the Rest of Us ·

2022/11/23

Camden and David converse with Asha Mehta, Managing Partner & CIO at Global Delta Capital about the bullish case for emerging and frontier market stocks as well as the risks. Topics covered include:How to go about investing in emerging marketsShould you invest in ChinaWhere are the most promising emerging and frontier marketsWhy aggregate emerging markets earnings have been lacklusterHow to balance quantitative analysis with subjective reasoning For more information on this episode

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00:22:22

Is Cryptocurrency Dead? Will the FTX Fallout Kill...

Money For the Rest of Us ·

2022/11/16

How the bankruptcy of FTX, the world's third-largest crypto exchange, undermines trust in cryptocurrency and decentralized finance, making it even more difficult for crypto to ever be taken seriously as a monetary alternative. Topics covered include:How FTX squandered its customers' depositsHow FTX is another example of a private money bank runHow traditional securities lending works and why it is very low risk compared to the highly speculative nature of cryptocurrency lending platformsHow FTX's

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00:26:03

What Is the IMF and Why Is It Controversial?

Money For the Rest of Us ·

2022/11/09

How the International Monetary Fund, the world's economic firefighter, works for global monetary cooperation and prosperity while using its own made-up currency, the SDR. Topics covered include:What was the Bretton Woods monetary system that led to the formation of the IMF and the World BankHow the World Bank and IMF differWhat does the IMF doHow the IMF creates its own money out of thin airWhy does Argentina, the IMF's largest borrower, keep defaulting on its debt obligation including those to the

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00:25:26

Is Success Due to Hard Work, Talent, or Luck?

Money For the Rest of Us ·

2022/11/02

How to survive in a world where luck and randomness play a pivotal role. Topics covered include:What are power lawsWhat are the narrative fallacy and hindsight biasWhat are examples of domains where randomness has contributed to successWhat are ways to distinguish investing skill from luckHow sixth-century philosopher Boethius had an accurate view of chanceWhat are ways we can benefit from good luck while protecting ourselves from bad luck For more information on this episode

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00:24:43

Worry-Free Retirement Investing

Money For the Rest of Us ·

2022/10/26

How to use laddered inflation-indexed bonds (i.e., TIPS), CDs, fixed annuities, and fixed index annuities to meet retirement living expenses while worrying less about running out of money. Topics covered include:How individuals can use liability-driven investment strategiesWhy now is the best opportunity to buy Treasury Inflation Protection Securities in 15 yearsHow to use bond laddersHow deferred fixed and deferred variable annuities workHow to analyze fixed index annuities For more information

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00:49:27

Annie Duke on Better Investing and the Danger of Grit

Money For the Rest of Us ·

2022/10/19

In Episode 406, David and Camden visit with Annie Duke about how to better manage our investment portfolios including when and what to sell. We also discuss a number of behavioral finance topics such as mental accounting, sunk costs, and goal myopia. Annie Duke is an author, speaker, and consultant in the decision-making space, as well as Special Partner focused on Decision Science at First Round Capital Partners, a seed stage venture fund. Annie’s latest book, Quit: The Power of Knowing When to

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00:30:18

When Volatility Spikes, Financial Things Break - The...

Money For the Rest of Us ·

2022/10/12

What is volatility and what causes it to rise and fall? How volatility itself contributes to more volatility such as in the example of the chaotic UK government bond market where long-term yields have increased by 4% in 2022. Topics covered include:How the role of volatility has changed in financial marketsWhat caused UK interest rates to spike and long-term bond investors to lose 50%What is liability-driven investmentWhat drives increases in volatility and volatility spikes and spillovers are more

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00:30:29

Why Is the U.S. Dollar So Strong? Will It Continue?

Money For the Rest of Us ·

2022/09/28

What has caused the U.S. dollar's currency exchange rate to be the strongest in twenty years? How a strong dollar leads to slower global economic growth and falling asset prices. Topics covered include:Why a strong dollar is a no-win situation for the rest of the worldWhy have inflation and interest rates increasedWhy recession risks are rising as central banks combat inflationWhy asset prices fall when interest rates riseWhat would cause the U.S. dollar to weaken from these levelsHow to protect

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00:28:30

The Pandemic Might Be "Over," but Not the Repercussions

Money For the Rest of Us ·

2022/09/21

How risk perceptions and actions have changed over several years of the pandemic. How the pandemic's impacts continue to affect politics, the economy, financial markets, how we invest, and our personal lives. Topics covered include:Is the pandemic really over?What percentage of people continue to isolate at homeHow behaviors such as eating out and visiting friends have changed throughout the pandemic.How work has changed with the pandemicHas pandemic stimulus changed beliefs about the

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00:25:53

Why Student Debt Is So High and Why Forgiving It...

Money For the Rest of Us ·

2022/09/14

What are the drivers that lead to higher student loan balances? Why a one-time student loan forgiveness program doesn't solve the problem of increasing student debt. What are some more viable longer-term solutions. Topics covered include:How big is the Biden Administration student debt forgiveness planHow big has the student debt burden grownWhy are borrowings for students increasingWhy Baby Boomers spent so much less on collegeHow are student loans accounted for by the U.S. federal governmentWhat

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00:26:31

Why Diversifying Your Portfolio Feels So Awful

Money For the Rest of Us ·

2022/09/07

Warren Buffet said, "Diversification makes very little sense for anyone that knows what they’re doing." He also said, "Diversification is a protection against ignorance..." Most of us need that protection against ignorance, yet diversification often makes us feel bad when some of our holdings don't do as well as others. We make the case why we should diversify anyway. Topics covered:Warren Buffet says it's crazy to own more than 30 stocks, but Berkshire Hathaway owns 48 stocksWhat does it mean to

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00:25:26

What If High Inflation Doesn't End? How To Invest If...

Money For the Rest of Us ·

2022/08/31

How economic wars, pandemics, and worker shortages could lead to years of high structural inflation. What needs to happen to avoid this dire inflation scenario. Topics covered include:What are the three inflation lessons Federal Reserve Chair Jerome Powell sharedWhat is inflation anchoringWhat caused the current period of high inflationHow China and Russia contributed to low inflation and why those trends have reversedHow behavior changes and productivity improvements can contribute to lower

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00:24:20

Unintended Consequences Impact Everything

Money For the Rest of Us ·

2022/08/24

We explore examples of positive and negative unintended consequences, what causes them, and how to navigate a world where unanticipated things happen all of the time. Topics covered include:What leads to unintended consequencesWhat are some unintended consequences of QE and stimulus, price controls, tax incentives, gun legislation, and marijuana legalizationHow positive unintended consequences and order can arise from the bottom upHow recent climate legislation could lead to unintended

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00:29:17

When Should You Hire An Investment Advisor? Two Case...

Money For the Rest of Us ·

2022/08/17

We analyze two listeners' portfolios. One who is close to retirement and considering hiring an outside money manager. The second is 45 and just sold a business and is trying to decide whether to fire Schwab's robo-advisor service and manage his portfolio on his own. Topics covered include:What elements are part of a financial planWhat to consider when researching an investment advisorWhat is a core-satellite investment approachWhy Schwab was fined $180 million for misleading its clients about the

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00:37:28

How To Invest Based on Cycles

Money For the Rest of Us ·

2022/08/10

This episode edits and remasters two earlier episodes on investing based on cycles to focus on timeless investing principles. Topics covered include:What are different types of cyclesWhy do cycles have subjective start and end dates.Why do coincidences happen so often.How to position investment portfolios based on cycles.How luck and skill play a role in investing.Why it is better to invest based on calibrating risk rather than prediction. For more information on this episode click here. Show

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00:23:34

Forsage and Herbalife—How Multi-Level Marketing,...

Money For the Rest of Us ·

2022/08/03

Why it is challenging to distinguish a legitimate multi-level marketing company from a pyramid scheme as hedge fund billionaire Bill Ackman found out in his losing campaign against Herbalife. How Forsage has taken pyramid and Ponzi schemes to a whole new level, and why the regulators can't shut it down. Topics covered include:What are multi-level marketing companies and how most MLM distributors are unsuccessfulWhat is the difference between a pyramid scheme and a Ponzi scheme and what are some

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00:27:11

How Population Trends Will Impact Growth, Inflation,...

Money For the Rest of Us ·

2022/07/27

How slowing population growth and an eventual population peak will lead to competition for foreign workers, potentially higher inflation, and ultimately the need to transition to a steady-state economy rather than one based on constantly producing more. Topics covered include:How longevity and birthrates impact population growthWhat areas of the world are seeing population increases versus declinesWhy high income countries will need more immigrants in order to sustain their population levelsWhen is

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00:27:29

How To Get Better At Risk Taking

Money For the Rest of Us ·

2022/07/20

Five ways we can better take and manage risk. Topics covered include:How likely is it that China will invade Taiwan and the stock market will fall 80%Why experts tend to be humble and don't make specific predictionsWhat is the difference between risk and uncertainty, and between loss capacity and loss aversionWhat factors impact our degree of loss aversion and loss toleranceWhy the economy needs more risk takers rather than rentiers For more information on this episode

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