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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

00:27:38

Unlocking Income: A Comprehensive Guide to Investing...

Money For the Rest of Us ·

2024/03/20

How to use covered call and buy-write strategies to generate income while understanding the risks and having realistic return expectations. Topics covered include:How covered call strategies workHow much can you earn investing in covered call strategiesWhat are some numerical examples based on current option pricesHow covered call strategies can be used for both stock and bond ETFsWhat are some covered call ETF examples Sponsors Long Angle is a private community of 2,500 very high net worth

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00:27:01

How the Economy Really Works: Savings, Investing,...

Money For the Rest of Us ·

2024/03/13

A primer on how the economic engine works through coordination between savers, investors, consumers, producers, governments and banks. How hoarding and unfair competition can lead to economic distortions.Topics covered include:How spending and saving are connected including the paradox of thriftHow borrowing money can lead to higher income and savings and potentially to bubblesHow hoarding differs from investing and why too much hoarding can deprive businesses of capitalHow lightbulbs, grocery

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00:25:55

Which Will Perform Better: Berkshire Hathaway or...

Money For the Rest of Us ·

2024/03/06

Berkshire Hathaway doesn't pay a dividend, its cash pile keeps growing, and Buffet says it's gotten too big to make acquisitions that can impact the company. Meanwhile, utility ETFs have a steady 3.5% dividend yield. Which will be the better-performing investment going forward?Topics covered include:How has Berkshire Hathaway performed relative to the S&P 500 Index and other active managersWhy Warren Buffett believes Berkshire's electric utility holdings were a mistakeWhy California has some

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00:52:40

Lessons from Japan's 34 Years of Stock Market...

Money For the Rest of Us ·

2024/02/28

Japan's stock market recently exceeded the all-time high first set in December 1989. That's 34 years of zero price appreciation for the stock market. What drove this lackluster performance, will it continue, and what can we learn from it?Topics covered include:How big was Japan's stock bubble, and how much did it contribute to the stock market's underperformance over the past three decadesHow do Japan's demographic trends impact its economic challenges, and what are the solutionsWhy Japan's houses

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00:25:56

Unraveling the Truth About ETFs: Benefits, Analysis,...

Money For the Rest of Us ·

2024/02/21

How the ETF market is changing, why ETFs should be your preferred investment vehicle, and how to analyze ETFs to generate better investment performance. Topics covered include:How large have fund flows been away from active mutual funds into ETFsHow big are the largest ETF families and how has their market share grownWhy the rise of active ETFs blurs the distinction between active and passive investingWhy there doesn't appear to be an indexing price bubble, but the rise of passive investing has

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00:28:05

Does Dividend Investing Still Work?

Money For the Rest of Us ·

2024/02/14

Stocks that grow their dividends have outperformed non-dividend-paying stocks over the long-term, but not in the past 5, 10, and 20 years. Why are non-dividend paying stocks outperforming dividend growers, and will it continue? Topics covered include:What message do companies say when they initiate, grow, or cut their dividendWhat is dividend smoothingHow have dividend payers performed relative to non-dividend payersWhy have non-dividend payers, which are primarily growth stocks, outperformed

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00:26:11

Transforming Financial Regrets into Portfolio Gains:...

Money For the Rest of Us ·

2024/02/07

Humans are wired to feel regret. Here's how to learn from financial regret to become a better investor. Topics covered include:What cognitive biases make feelings of financial regret unavoidableWe analyze two regret case studies - one from David and one from a Plus memberWhy do we avoid big regrets but manage through small onesFive cognitive tricks to help manage financial regrets Sponsors NetSuite – Get your free KPI checklist Long Angle is a private community of 2,500 very high net worth

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00:27:01

More Ways to Lock in Higher Yields in Case Interest...

Money For the Rest of Us ·

2024/01/31

Professional investors and other market participants are lousy at forecasting interest rates. Here are three more options to lock in higher yields today. Topics covered include:The risk of buying long-term bonds and ETFs to benefit from falling yieldsHow volatility drag has impacted a long-term bond ETF like TLTWhy interest rates won't go up just because the government issues more bondsHow CDs, fixed annuities, and zero-coupon bonds workWe compare and contrast the seven fixed-income options

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00:29:37

How To Lock In Higher Yields In Case Interest Rates Fall

Money For the Rest of Us ·

2024/01/24

With cash yields expected to fall, here's how you can keep your portfolio income elevated by purchasing longer-term individual bonds and bullet ETFs Topics covered include:How future short-term interest rates, inflation expectations, and term premiums impact long-term interest ratesHow each of those rate drivers contributed to the close to 1% drop in interest rates in the past three monthsHow yield to maturity is our guide to locking in a fixed return using individual bonds or bullet ETFsHow bullet

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00:27:09

Now Should You Buy Bitcoin? The Investment Case for...

Money For the Rest of Us ·

2024/01/17

We explore reasons for buying Bitcoin using one of the new Bitcoin ETFs. We also consider the risks. Topics covered include:Why the SEC finally decided to approve spot Bitcoin ETFsWhat are the fees and structure of these new Bitcoin ETFsHow Bitcoin is similar and different from the fiat money systemWhere Bitcoin fits in an investment portfolio Sponsors Long Angle is a private community of 2,500 very high net worth investors who leverage their collective expertise and scale to access and

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00:26:19

How Much Should Your Net Worth Grow Each Year?

Money For the Rest of Us ·

2024/01/10

The intricate dance between profession, risk, lifestyle, and luck in determining how net worth grows. Topics covered include:The various factors that shape the growth of net worth, including professional choices, risk tolerance, and lifestyle decisions.David Stein's personal account of how these elements influenced the trajectory of his financial growth.Insights into the range of net worth increases observed in 2023, driven by the performance of financial markets.The importance of focusing on one's

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00:25:29

Should You Be Invested 100% Stocks Before and During...

Money For the Rest of Us ·

2024/01/03

The pros and cons of investing your retirement assets 100% in equity, including half in international stocks. Why the 4% spending rule is too aggressive.Why historical asset class return studies that use only U.S. data are biasedHow researchers build a broader database to study retirement outcomes and spending ratesHow a 100% stock portfolio performed compared to balanced portfolios and target date fundsWhy investors should have half their assets in international stocksWhy a 4% spending rule is too

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00:44:34

Listener Q&A on Investing and Living

Money For the Rest of Us ·

2023/12/13

We close out 2023 by answering your questions on active vs passive management, market timing, investing for status, what we learned from Charlie Munger, thoughts on a coming recession, worst investment mistakes, recent books that changed us, and more. Sponsors Madison Trust Self-Directed IRA - Go Here to Learn More and Get Your $100 Off Promo Code 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

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00:27:43

Dissecting Stock Returns: Financial Engineering or...

Money For the Rest of Us ·

2023/12/06

Do the impressive returns in public and private markets stem from strategic financial engineering or reflect actual economic growth?How corporate profit growth is linked to economic growth, even though corporate profits are more volatileHow interest rates, tax rates, and stock buybacks influence corporate profits and stock returnsWhy there are fewer publicly traded stocksHow the increase in leveraged buyouts has impacted the economyHow private equity funds use financial engineering to boost

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00:24:54

AI's Fork in the Road: Societal Bliss or Existential...

Money For the Rest of Us ·

2023/11/29

One year after the release of ChatGPT, we explore the positive and negative paths AI could take and what individuals can do to assist with a positive outcome. Topics covered include:How David uses AI to increase his personal productivityThe societal and economic impacts of AI, including its potential to enhance corporate profitability and individual productivityChanges at OpenAI's executive level are examined, highlighting a shift in the organization's direction and philosophyWhat is Effective

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01:18:44

Using a Checklist Approach To Investing - The Money...

Money For the Rest of Us ·

2023/11/22

In this bonus episode, David visits with Bill Yount and Becky Heptig of the Catching Up to Fi podcast in a wide-ranging discussion on investing using a systematic checklist approach. Sponsors Madison Trust Self-Directed IRA - Go Here to Learn More and Get Your $100 Off Promo Code LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Money Pickle – Schedule a free 45-minute video chat with a vetted financial advisor and ask them anything about your financial situation. Go here

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00:26:27

Is Tourism Harmful or Helpful? The Economic and...

Money For the Rest of Us ·

2023/11/15

What are the economic and cultural benefits of tourism. What are the downsides to too much tourism. How to find the right balance. Topics covered include:How short-term rentals have changed tourismHow cities grapple with too many short-term rentalsWhat is the outlook for short-term rentalsHow much does tourism contribute to economic outputHow can tourism be harmful and helpfulThe example of Cuba Sponsors Madison Trust Self-Directed IRA - Go Here to Learn More and Get Your $100 Off Promo

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00:27:50

Easier Investing, Richer Life: TIPS Ladders to Annuities

Money For the Rest of Us ·

2023/11/08

What are the pros and cons of partially funding retirement expenses with an inflation-indexed bond ladder versus an immediate annuity? There is a big downside to TIPS ladders that many investors don't realize. Topics covered include:Why the stock market is more risky than many people realizeIs it too late to invest in TIPS as one advisor suggestsHow TIPS and TIPS ladders workHow immediate annuities workThe pros and cons of a TIPS ladder versus an immediate annuity Sponsors NetSuite – Get your

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00:29:20

How To Invest Money - 10 Rules of Thumb for...

Money For the Rest of Us ·

2023/11/01

We discuss ten rules of thumb for individual investors to consider when saving and investing for and in retirement.Don't use institutional hand-me-downsStay close to home baseBeware of dragon riskMind your investment seasonsCatch the popping cornWatch for market swarmsTrack the economic windsFollow the traffic lightsDiversify your basketsDon't burn your ships Sponsors Madison Trust Self-Directed IRA - Go Here to Learn More and Get Your $100 Off Promo Code Monarch Money – Get an extended 30-day

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00:24:38

The Price of Money - 700 Years of Falling, Can...

Money For the Rest of Us ·

2023/10/25

Interest rates have been sliding for seven centuries. Dive into the historical forces driving this trend and examine whether the recent interest rate spike is just a blip on the radar. Topics covered include:How the supply of savings and the demand to borrow impact interest ratesWhy have interest rates been falling for over 700 years, and what might have changed recently to propel rates higherHow lower rates have helped households increase their net worth and reduce their financial

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248 results

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