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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

00:22:16

How, When, and Why Should You Rebalance Your...

Money For the Rest of Us ·

2021/09/01

Why bother rebalancing your investment portfolio and what is the best method for doing so. Topics covered include:How a target asset allocation can get out of line if a portfolio is not rebalancedWhat is positive skewness and why it matters to portfolio investingWhat is volatility drag and how it can lead to lower end of period wealthWhat are the costs of rebalancingWhich rebalancing method if any has been the most effective Thanks to Felix Gray glasses and Mint Mobile for sponsoring the

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00:28:06

Which Money Is Crazier: The U.S. Dollar or Bitcoin?

Money For the Rest of Us ·

2021/08/25

We compare the U.S. dollar with Bitcoin on their key attributes to determine which is better for transactions and preserving wealth, which is most absurd and which has serious flaws. Topics covered include:How are new U.S. Dollars and Bitcoin createdHow much has the supply of each currency grownHow both the dollar and Bitcoin have had rule changesWhy Bitcoin transactions are faster than non-cash U.S. dollar transactionsWhy both the dollar and Bitcoin require add-on layers to facilitate

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00:25:10

Now Is the Best Time Ever to Be an Individual Investor

Money For the Rest of Us ·

2021/08/18

What are the advantages and disadvantages individual investors have relative to professional investors. How individual investors can capitalize on their advantages without being overwhelmed by too many choices. Topics covered include:How much have fees and commissions dropped for individual investors in the past two decadesHow the overall objective of individual investors differs from professional investorsWhy the smaller scale at which individual investors operate provides an advantage relative to

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00:21:27

The Pros and Cons of Infinite Banking and Whole Life...

Money For the Rest of Us ·

2021/08/11

How permanent life insurance can be an effective tool for retirement planning. Topics covered include:What is the difference between term and whole life insuranceHow many people let their life insurance policies lapse each yearWhat are strengths that insurance companies have that are beneficial to individual investorsWhat are the benefits of whole life insurance policiesHow the infinite banking concept works and who should it be usedHow asset allocation should differ when investors have a whole

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00:27:01

Is This the Key to Wealth, Freedom and Happiness?

Money For the Rest of Us ·

2021/08/04

How owning fewer, more permanent things can lead to greater freedom and continued economic growth. Topics covered include:How a railroad company issued a bond that matured in 999 yearsWhy land and gold are the most permanent investmentsWhat is the oldest currency in useWhy fiat and cryptocurrencies are potentially worthlessWhy permanence is freedom and constantly craving more things limits freedomWhy do quality goods cost moreHow the volume of trash generation and the number of storage units are

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00:25:36

How to Profit From Carbon Investing While Combatting...

Money For the Rest of Us ·

2021/07/28

How the carbon emissions allowances and carbon offset markets are structured and how to invest in them. Topics covered include:How much greater are the levels of carbon dioxide in the atmosphere and how much have average temperatures increasedWhy industries and companies are seeking to cut their greenhouse gas emissionsHow cap and trade emissions trading systems workWhat are the demand and supply dynamics of tradable emission allowancesWhat has been the performance of tradeable emission

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00:23:32

How to Invest in Startups on Equity Crowdfunding...

Money For the Rest of Us ·

2021/07/21

The risks and opportunities of investing in startups on equity crowdfunding platforms. Topics covered include:Why do individual investors now have more access to startup investmentsWhat has been the historical performance of venture capital fundsHow most startups fail, leaving only a few startups to offset portfolio lossesWhat factors to consider when deciding on which startups to investWhy do startups have so many different share classesWhat platforms are available for individuals to invest in

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00:28:04

Forward and Reverse Mortgages: When To Take Them Out...

Money For the Rest of Us ·

2021/07/14

How to decide when to take out a home mortgage and whether to pay it off early. How reverse mortgages can be a helpful retirement tool. Topics covered include:Why it is more difficult to get a mortgage todayHow federal government mortgage guarantees lead to lower mortgage ratesHow to analyze whether to pay off your mortgage earlyThe differences between personal risk, market risk, and aspirational riskHow reverse mortgages work and how they can be useful as a retirement income toolWhat are the costs

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00:31:20

Listener Q&A: Individual stocks, housing bubble,...

Money For the Rest of Us ·

2021/06/30

We answer over a dozen questions from listeners on investing, housing, retirement, business, podcast production, and more. Topics discussed include:The Endowment ModelTeaching children about investing4 influential investing booksThe difference between being an entrepreneur and investingThe balance between too much and too little efficiency and productivityWhat we learned about investing from the Covid crashHow asset allocation changes as one gets olderThe state and future of cryptocurrencyIs now

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00:25:07

Should You Invest in Frontier Markets?

Money For the Rest of Us ·

2021/06/23

What are the risks and opportunities of investing in frontier equity markets? Topics covered include:What are the criteria used to determine whether a country's stock market is considered a frontier, emerging, or developed marketWhy some countries aren't included in any MSCI stock indexHow large are frontier markets in terms of population, economic output, and equity marketsHow frontier market's favorable demographic profile make them attractive, but might not lead to higher investment returnsWhat

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00:23:51

Should You Buy an Electric Car or Truck?

Money For the Rest of Us ·

2021/06/09

What are the pros and cons of owning an electric vehicle (EV) compared with an internal combustion engine (ICE) vehicle. Are electric vehicles worth it? Topics covered include:What is the total energy consumption for EVs versus ICE vehicles including energy expended to produce the vehicles and energy used to produce the electricity and refine the gasoline that run the vehicles.What vehicles weigh the most, ICE, EVs, or hybridsHow the mix of renewables and coal in the power grid impacts the energy

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00:23:22

Investing In Water

Money For the Rest of Us ·

2021/06/02

What are ways to invest in water and is it an attractive investment? Topics covered include:How water rights work and how they have been overallocated in the Colorado River basin.Why agriculture uses the vast majority of water in the southwestern U.S. while contributing only a few percentage points to the region's gross domestic product.Why hedge fund manager Michael Burry invests in farmland instead of water rights.What ETFs are available to invest in waterWhat have the historical returns been for

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00:25:12

Why Should You Care About Shadow Banking?

Money For the Rest of Us ·

2021/05/26

Half of the global financial system is made up of shadow banks. You have probably already used one. What are shadow banks and what to be wary of when using them. Topics covered include:What are the roles of shadow banksWhat are examples of shadow banksHow two shadow banks, Greensill Capital and Archegos Capital Management, contributed to billions of dollars in lossesHow China's massive use of shadow banks differs from the rest of the worldHow individuals investors can benefit from the careful use

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00:22:11

Why The Productivity Slowdown Could Lead to Lower...

Money For the Rest of Us ·

2021/05/19

Why productivity growth is key to creating wealth. Why U.S. productivity growth is slowing, and what we can do to increase business and personal productivity. Topics covered include:How productivity is measured and how it relates to GDP, inflation, and living standardsHow productivity growth has led to more food, better health, better housing, and more consumer goods.What are potential reasons why productivity growth is slowingEvidence that work from home has led to lower productivityWhat

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00:29:37

Is Another Great Inflation Coming? Best Inflation Hedges

Money For the Rest of Us ·

2021/05/12

How today's inflationary environment is similar and different from the great inflation of the 1970s. What are the best assets to protect your portfolio if the next great inflation is here. Topics covered include:How is inflation measured and why the pandemic made calculating inflation difficultWhat causes inflationWhy is inflation increasing currentlyWhat caused the great inflation of the 1970sWhich assets are best to own to protect against inflation Become a Subscriber and listen to the episode

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00:24:17

How To Overcome Investing Fears

Money For the Rest of Us ·

2021/05/05

Seven ways to manage fear in order to improve your investing. How fear can be beneficial. Topics covered include:Why fear can be both helpful and harmfulWhy expected investment returns are lower from a year agoWhat are the drivers of asset class returnsWhat is a bucket approach to investing and why it can be helpfulWhat are ways to automate investingWhy getting an investment second opinion can be valuableWhy we can never avoid investing mistakes Become a Subscriber and listen to the episode

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00:24:44

Climate Change, ESG, and What Should Investors Do?

Money For the Rest of Us ·

2021/04/28

How businesses, households, governments, asset managers, and investors interact in unpredictable ways to address the risks and opportunities related to climate change and other global trends. Why ESG investing goes beyond just buying an ESG fund or ETF. Topics covered include:What are incentives, constraints, opportunities, and risks faced by businesses, households, governments, asset managers, and investors when deciding what to do.What is ESG and sustainable investingWhat are the different levels

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00:22:05

How to Make Money With Dai, BlockFi and the Evolving...

Money For the Rest of Us ·

2021/04/21

What is decentralized finance and how it is seeking to solve the shortcomings of centralized finance. How BlockFi and MakerDAO, early entrants in the DeFi space work. How to earn up to a 9% yield with cryptocurrency lending. Topics covered include:How centralized finance differs from decentralized finance (DeFi)What are the shortcomings of centralized finance and why decentralized finance is more inclusiveWhat are the key elements of DeFiHow Ethereum smart contracts workHow MakerDao and Dai work

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00:26:45

Inflation, the National Debt and the U.S. Dollar -...

Money For the Rest of Us ·

2021/04/14

With a ballooning U.S. federal budget deficit, a growing national debt, and double digit increases in the money supply, is it time to bet against the dollar? Topics covered include:What is driving the double digit increases in U.S. home pricesWhy hasn't inflation spiked in line with rising home pricesWhat is the velocity of money and why is it fallingWhat are three schools of thought regarding what causes inflationWhat is the average interest rate and maturity schedule of the U.S. national debtHow

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00:23:58

Why in the World Do You Own Bonds?

Money For the Rest of Us ·

2021/03/31

With interest rates rising does it still make sense to own bonds? Yes. This episode explores the role of bonds including why they are more effective at hedging stock losses than protective put options. Topics covered include:David's business and investment philosophyHow bond funds have performed in 2021Three disparate views on the direction of interest rates from Capital Economics, Ray Dalio, and Hoisington Investment Management CompanyHow to invest in China bondsWhy owning bonds is cheaper and

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248 results

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