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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

00:30:30

Indexing Bubble and Asset Class Returns Still Revert...

Money For the Rest of Us ·

2024/12/11

How asset class returns move in cycles with periods of above-average returns followed by periods of lower returns. How has the rise of passive indexing led to higher stock valuations, and what does that mean for markets?Sponsors NetSuite - Download the CFO’s Guide to AI and Machine Learning LegalZoom - Use code David10 to 10% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset

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00:23:56

U.S. Stocks Have Never Been This Overhyped or Expensive

Money For the Rest of Us ·

2024/12/04

What are the tangible and intangible factors that have contributed to long-term U.S. stock market outperformance compared to the rest of the world? Despite these advantages, why might we still want to continue to be globally diversified?Sponsors Delete Me – Use code David20 to get 20% off LegalZoom - Use code David10 to 10% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset

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00:20:40

Should You Invest in Nuclear Energy?

Money For the Rest of Us ·

2024/11/20

Why has there been renewed interest in nuclear power generation in the last couple of years, and how can we invest in it? Topics covered include:Why did Microsoft sign an agreement to reopen a nuclear reactor at the infamous Three Mile Island nuclear facilityHow much does nuclear energy contribute to global power generationWhy is demand for electricity acceleratingWhat are the advantages and challenges with nuclear energyWhat investment vehicles individuals can use to invest in nuclear

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00:29:21

Strategies and Systems Want Your Money

Money For the Rest of Us ·

2024/11/13

We explore what strategy and systems are and how we craft and change them. We consider how investment strategies and financial systems have changed over the decades and why this matters to your financial decisions.Sponsors LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium

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00:27:23

Episode 500: The S&P 500 Index and the Decade Ahead

Money For the Rest of Us ·

2024/11/06

In the 500th episode of Money for the Rest of Us, we focus on the S&P 500 Index. How has the index changed, and why have U.S. stocks performed so well? Will U.S. stocks only return 3% in the next decade, as Goldman Sachs predicts.We also discuss major themes covered on Money for the Rest of Us over 500 episodes and what are our plans for the future. Thanks for being a part of Money for the Rest of Us over the past decade. Sponsors NetSuite - Download the CFO’s Guide to AI and Machine

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00:22:43

What Makes an Economy Prosperous? Spotlight on Cuba...

Money For the Rest of Us ·

2024/10/30

We explore eight things that contribute to a healthy, growing economy and where Cuba and Argentina have fallen short.Topics covered include:Why Cuba continues to have rolling energy blackoutsWhy economic sanctions frequently don't workHow Argentina's President Millei is taking a "chainsaw" to the nation's economyWhy emerging markets will need to change their export-oriented growth trajectoryWhat are the risks to the long-term health of the U.S. economy Sponsors Monarch Money – Get an extended

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00:30:24

Ten Things I've Learned About Investing in the Past...

Money For the Rest of Us ·

2024/10/23

In episode 498, David shares how his investing has changed over the past ten years and lessons you can apply to your portfolio.Document Your JourneyKeep ExperimentingBe Willing to Adopt New Asset ClassesBe Very PatientTrade Less, Focus On Long-term DriversMonetary DiversificationDon't Focus on Relative PerformanceIgnore the NoiseTake Your TimeThere Is No Right Way to Invest Sponsors NetSuite Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors'

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00:25:20

How to Fix the Retirement Savings Crisis

Money For the Rest of Us ·

2024/10/16

Why 401k and other defined contribution schemes are flawed, leading to a generation of workers unprepared for retirement. What are the solutions to fix the mess. TopicsWhy 401k and other defined contributions haven't worked, despite their popularityWhy defined benefit pension plans declinedWhy 401k plans are treated like emergency fundsHow to combine the best of 401k and defined benefit pension plans Sponsors LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Monarch Money

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00:25:45

Are You Taking Enough Aspirational Risk?

Money For the Rest of Us ·

2024/10/09

Why we need distinct risk buckets: balancing our natural loss aversion with the allure of opportunities that offer the potential for massive upside.Topics covered include:What is modern portfolio theory, and what are some of its flawsWhy so many people have gotten wealthy by being undiversifiedHow to balance personal risk, market risk, and aspirational riskHow prospect theory explains our attraction to positively skewed opportunitiesWhy most people won't get wealthy unless they take some

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00:27:30

Plus episode excerpts: ETF Size, the Long-term Impact...

Money For the Rest of Us ·

2024/10/02

This week on the podcast, we share excerpts from Plus episode 484 on ETF size and the impact of QE, as well as Plus episode 493 on stock market inelasticity.You can learn more about Money for the Rest of Us Plus here. Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus See Privacy Policy at https://art19.com/privacy and California Privacy Notice

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00:28:07

The Federal Reserve Cut Interest Rates. What Should...

Money For the Rest of Us ·

2024/09/25

What does the Federal Reserve's policy rate cut mean for our portfolios? Will interest rates keep falling? What changes should we make?Topics include:What determines interest rates, and where are those drivers currentlyWhat is the best estimate of bond returnsHow duration works and why it changesWhat are some current fixed income investment options Sponsors LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Monarch Money – Get an extended 30-day free trial Our Premium

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00:24:00

When to Sell Equity or Borrow: A Guide for...

Money For the Rest of Us ·

2024/09/18

How do home equity investments, income share agreements, and music royalties work, and how can you participate?Topics covered include:How a home equity investment differs from a home mortgageWhat is the cost of home equity investmentsHow funding education through income share agreements has changedWhy artists sell royalties to their workHow individuals can invest in music royalties Sponsors NetSuite Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free

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00:23:54

The Housing Affordability Crisis: What Caused It and...

Money For the Rest of Us ·

2024/09/11

What caused the 40% price increase in houses and rents, and what are governments doing to try to fix the problem.Topics covered include:Why 50% of the global population is frustrated with the lack of affordable housingHow the housing collapse as part of the Great Financial Crisis contributed to today's affordability crisisHow central bank QE programs have magnified the housing crisisHow restrictive zoning and short-term rentals contribute to the housing crisisWhat governments are doing to

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00:22:31

The Power of Optionality: Small Bets, Big Payoffs

Money For the Rest of Us ·

2024/09/04

In this episode, we explore the concept of optionality—how small, strategic decisions can lead to outsized rewards with limited downside risk. From ancient philosophy to modern financial strategies, discover how recognizing and seizing options can unlock opportunities in both life and investing.Topics covered include:How call and put options workThe difference between American and European style options and why it mattersWhy options are positively skewedExamples of using optionality in business

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00:31:13

The Five Layers of Investing - Which Layers Is Your...

Money For the Rest of Us ·

2024/08/28

In Episode 491, we explore the five layers of investing, including which assets fit into each layer, and give examples of advertisements targeting each layer.The five layers are:1. Short-term trading2. Longer-term speculations3. Individual securities4. Diversified portfolios focused on underlying drivers and factors5. Maximum diversification with few changes and just a few holdings Episode Sponsors Monarch Money – Get an extended 30-day free trial LinkedIn Jobs – Use this link to post your job

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00:28:15

Should You Invest in Private Equity?

Money For the Rest of Us ·

2024/08/21

How do buyouts, venture capital, and growth equity work? Has private equity outperformed the stock market, and can individual investors pursue these investment strategies?Topics covered include:How are private equity funds structured, and what are the feesHow is private equity performance measured, and how has it performedWhy does private equity have such a large dispersion of returns compared to the public stock marketWhat is private equity dry powder, and why is there much of itWhat are some

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00:23:44

Making Better Investment and Life Decisions - Episode...

Money For the Rest of Us ·

2024/08/14

This week, we release one of David's favorite episodes from six years ago, Episode 203: Is Investing More Like Poker or Chess. Topics covered include:What is the difference between chess and poker.Why we need to separate the decision process from the outcome.How to improve the quality of our investment decisions.What are are wu-wei and qi and what role do they play in better decision making. Sponsors Delete Me – Use code David20 to get 20% off Betterment - the automated investing and savings

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00:27:44

Why the Market Has Sold Off and What Should You Do

Money For the Rest of Us ·

2024/08/07

In episode 489, we examine three factors that contributed to this week's big stock market declines, analyze whether a recession is imminent, and review David's recent portfolio changes.Topics covered include:The benefits of looking at market and economic trends monthlyHow bad was the recent U.S. employment report and what is the Sahm RuleWhat are leading economic indicators saying about recession riskWhy the Federal Reserve will be lowering its policy rate, leading to lower cash yieldsWhy the

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00:27:39

Should You Invest in an Ethereum ETF?

Money For the Rest of Us ·

2024/07/31

What is the investment case for Ethereum, and what are the risks? A straightforward review of what ether and Ethereum are, how they work, and what it will take for the Ethereum blockchain to be successful.Topics covered include:Who launched Ethereum ETFs and what are the feesHow Ethereum differs from BitcoinExamples of applications built on the Ethereum blockchain including NFTs, stablecoins, DAOs, and tokenized real-world assetsHow Ethereum has evolved to lower fees, reduce supply, cut its energy

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00:28:13

Are We Heading for a 2030s Depression? -...

Money For the Rest of Us ·

2024/07/24

What we can monitor and do now in preparation for a 2030s depression, which may or may not arrive.Topics covered include:Why ITR Economics has been predicting a 2030s depression for over a decade.What are the early warning signs we can monitor for increasing risk of economic and financial turmoilWhat are U.S. and global population predictions by the Congressional Budget Office and the United NationsWhat is the status of Social Security and what would it take to make it more sustainableWhat are the

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243 results

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