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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

00:23:56

Own What Is Real

Money For the Rest of Us ·

2021/03/24

There has never been this much money in the world. Now is the time to own real property. Topics covered include:How to buy something with BitcoinHow cryptocurrencies are similar and different from fiat currenciesWhat is legal tenderWhy there has never been this much money in the worldWhy central banks can control interest rates but not inflationWhat real property should investors own Thanks to Truebill and Babbel for sponsoring the episode. Use code David for Babbel to get an additional three

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00:24:14

Are Non-fungible Tokens (NFTs) Good Investments?

Money For the Rest of Us ·

2021/03/17

How do non-fungible tokens work, what are the risks, and how do NFTs fit within the landscape of investments. Topics covered include:Investing in physical art versus cryptoartHow NFTs work on the ethereum blockchainHow Ethereum differs from BitcoinWhat is the purpose of investing and are NFTs investmentsHow much energy do cryptocurrencies and the financial system consumeWhat are the risks of NFTsThanks to Amazon Pharmacy and SmartAsset for sponsoring the episode. For more information on this

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00:26:45

Should You Invest in Farmland?

Money For the Rest of Us ·

2021/03/10

How much can you earn investing in farmland and what are the risks? What are the ways to invest in farmland? Topics covered include:What determines farmland investment returnsHow much has U.S. farmland appreciated historicallyHow much income does farmland investing generateWhy the amount of U.S. farmland is shrinkingHas another commodity supercycle startedWhy U.S. farmers are dependent on exportsWhat are farmland investing risksWhat farmland investment vehicles are availableHow to evaluate a

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00:26:19

How The Covid Shock Nearly Destroyed The Financial...

Money For the Rest of Us ·

2021/03/03

Why the Federal Reserve had to step in again to sop runs on money market mutual funds and keep the financial system from imploding. Topics covered include:What are the differences between shocks and vulnerabilitiesWhat are the four main vulnerabilities the Federal Reserve monitorsHow deleveraging and demands for liquidity lead to market stressesWhat are the types of money market funds and how were they impacted by the Covid 19 shockHow was Treasury bond trading impacted by the Covid shockWhy the

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00:26:43

What Is Tail Risk and Are You Taking Too Much Of It?

Money For the Rest of Us ·

2021/02/24

When should you protect against rare, but extreme events? When should you self-insure? Under what circumstance should you sell tail risk protection to others? Topics covered include:How tail events differ from tail riskWhy volatility is not the best measure of risk for individualsWhat does it cost to protect against large stock market lossesWhy younger investors can take more risk due to their human capitalHow does the profit wheel options strategy workHow the catastrophic power outage in Texas

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00:23:15

Why Do We Work So Much?

Money For the Rest of Us ·

2021/02/10

How to structure employment so workers are more creative, productive, and happier. Topics include:What percentage of employees work at home due to the pandemicHow many hours per week do men and women work in both paid employment and unpaid caregivingHow workers have been allocating the time saved by not commutingWhy the economy would still prosper if we worked only four hours per dayWhat is the cult of efficiencyWhat is the difference between leisure and amusementWhy employers reward busyness at

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00:24:03

Is Silver the Next GameStop? How to Invest in Silver

Money For the Rest of Us ·

2021/02/03

Why has silver jumped to its highest price in eight years. What you need to know to invest in silver. Topics covered include:What drove the huge spike in silver purchasesHow silver differs from meme stocksHow hedge funds are positioned with regard to silverWhat are three ways to invest in silverWhat is the annual demand and supply for silverWhat are the reasons to own silverHow good has silver been as an inflation hedgeWhat is the gold-silver ratio and how to use itWhat happened when the Hunt

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00:28:13

Meme Stocks, GameStop, Short Squeezes, and Bubbles

Money For the Rest of Us ·

2021/01/27

How coordinated buying by retail investors has turned the table on Wall Street. Are there signs of a market bubble? Topic covered include:What are meme stocksWhy GameStop's stock (GME) has soared to over $300 from $17 in less than a monthWhat are short squeezes and gamma squeezes and how they can push up a stock priceHow short-sellers including hedge funds are losing big against individual investors on the wallstreetbets subredditIs coordinated buying of options and stocks by individual investors

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00:20:15

Are You Underweight Chinese Stocks? Pros and Cons of...

Money For the Rest of Us ·

2021/01/20

Most global stock ETFs, funds and indices have only about 5% invested in China even though China has the second-largest economy in the world. What are the pros and cons of increasing your allocation to Chinese stocks. Topics covered include:Why has China's economy rebounded faster than other countriesWhat are Chinese A-share stocksHow large are China's economy and stock marketWhat are four threats that could derail the performance of Chinese stocksHow individuals can invest in China's stock market

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00:23:32

Is Student Loan Forgiveness A Good Idea?

Money For the Rest of Us ·

2021/01/13

Should the U.S. cancel $10,000 or more of student loan debt per borrower? What would be the economic and financial impact? Why the student loan system is broken and how to fix it. Topics covered include:How large and what is the growth rate of U.S. student loan balancesWhat are the projections for student loan lossesWhat are the pros and cons of forgiving student loansWhat would be the impact on federal finances of canceling student loansWhy the U.S. government is already technically insolventHow

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00:27:20

The New Math of Retirement Spending and Investing

Money For the Rest of Us ·

2021/01/06

How should individuals invest and spend in retirement with interest rates so low, stock valuations high, and inflation uncertain. Why retirement managed payout funds and income replacement funds failed. Topics covered include:How managed payout and income replacement funds compare to immediate annuitiesWhy Vanguard and Fidelity changed the objective of their retiree focused income replacement and managed payout fundsHow fixed annuities workHow retirees should combine annuities with multi-asset

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00:23:11

Convertible Bonds : The High Return Asset Class That...

Money For the Rest of Us ·

2020/12/16

How convertible bonds work, why they gained 50% in 2020 and outperformed stocks over the past five years. Why Vanguard shut down their convertible bond mutual funds. Topics discussed include:How big is the convertible bond marketWhy companies issue convertible bondsHow convertible bonds work and how to analyze themWhy convertible bonds have performed so wellWhat is a reasonable expected return for convertible bonds and what are the risksWhat are ways to invest in convertible bonds Thanks to

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00:23:51

2020 - The Year We Will Never Forget

Money For the Rest of Us ·

2020/12/09

A review of how the pandemic, financial markets, and government policy evolved in 2020 to make for an unforgettable year. Topics covered include:Why the Covid-19 pandemic ranks as the second worst in modern historyWhat is the difference between risk and uncertainty and how our investing should be different when dealing with uncertaintyWhat portfolio changes did David make in 2020 and how should he have invested if he had perfect foresightWhy speculative assets such as gold and cryptocurrencies have

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00:25:31

The Economy Is Not a Machine

Money For the Rest of Us ·

2020/12/02

How the drive for efficiency leads to greater wealth concentration and threatens capitalism. What can be done about it. Topics covered include:Why income growth has slowed for the middle classWhy the economy now follows a power-law distribution rather than a normal distribution, leading to skewed outcomesWhy the economy is a complex adaptive system rather than a machineHow the type of job you have and the company you work for affects your incomeWhy greater efficiency increases the risk of

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00:23:26

Why Currency Exchange Rates Matter

Money For the Rest of Us ·

2020/11/18

How a nation's balance of payments impacts its currency exchange rate as evidenced by Turkey and other countries. Topics covered include:What is a nation's balance of payments, its current account, and its capital accountHow an individual's personal financial flows are similar to those of a countryWhat is causing the currency crisis in Turkey and LebanonWhy gold imports have increased by 150% in TurkeyWhat is the Triffin dilemma or paradox and how does it impact the United StatesWhat individuals

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00:24:21

How To Analyze Complex Investments

Money For the Rest of Us ·

2020/11/11

How to determine whether you should invest in a complex investment such as an actively managed ETF that uses option strategies. Topics covered include:A recent investment David made that he shouldn't haveWhat is the volatility risk premium and how to invest in itWhy there have been over 200 new ETFs and ETNs launched in the U.S. in 2020Why some ETF sponsors launch lower cost versions of ETFs that compete with their existing offerings.What questions to answer as part of analyzing a complex

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00:26:31

Somebody Won the Election. Now What?

Money For the Rest of Us ·

2020/11/04

As we await the U.S. presidential election results, we review the results of the Trump Administration's economic policies to see if Americans are better off financially than they were four years ago. Topics covered include:Why pollsters and election models can be wrongWhy the state of the economy often drives election outcomesWhat has been the economic impact of the 2017 Tax Cuts and Jobs ActWhat has been the impact of the U.S. trade war with ChinaHow have poverty and health insurance costs changed

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00:25:57

Here Come Central Bank Digital Currencies

Money For the Rest of Us ·

2020/10/28

How central bank digital currencies would work, what is the motivation to create them and what are the risks. Topics covered include:What percentage of central banks are working on a digital currency and plan to issue one soonWhat are the two kinds of money that central banks currently issue and how would a central bank digital currency differHow central bank digital currencies would be similar and different from Bitcoin and other cryptocurrenciesWhat are the benefits and risks of central bank

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00:22:25

What Are SPACs and Should You Invest in Them?

Money For the Rest of Us ·

2020/10/21

How special purpose acquisition companies work, what their performance has been and what are the ways to invest. Topics covered include:How much money has been raised in SPAC initial public offerings and who are some of the better known sponsorsWhat are the benefits of a SPAC acquisition compared to a traditional initial public offeringHow SPACs work from the initial IPO to the acquisition of a private companyHow have SPACs performed so poorlyHow a new SPAC ETF is structuredAn intriguing way to

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00:26:50

How to Buy in a Hot Housing Market

Money For the Rest of Us ·

2020/10/14

U.S. home prices are on fire and sales are skyrocketing. Here are 8 rules of thumb for buying a house in a hot housing market when there are multiple bidders over the asking price. Topics covered include:What are the latest metrics on U.S. home sales, prices, and valuationsWhy are homes sales increasing and prices soaring and how likely are they to fallWhy David is buying a different house (again) in a hot housing marketWhat are rules of thumb that can help us find the right house without paying

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248 results

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