Money For the Rest of Us
J. David Stein
1 Creator
1 Creator
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
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Top 10 Money For the Rest of Us Episodes
Goodpods has curated a list of the 10 best Money For the Rest of Us episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Money For the Rest of Us for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite Money For the Rest of Us episode by adding your comments to the episode page.
Is A Famine Next? Food Inflation, Food Riots, and Investing in Commodities and other Real Things
Money For the Rest of Us
04/13/22 • 26 min
Why food costs are soaring and what we can do about it. Why inflation rates could start to drop. Why commodity futures, including agriculture futures, have been lousy inflation hedges, and what has worked better.
Topics covered include:
- Previous investment recommendations by Money For the Rest of Us to combat inflation
- Why commodity futures hedge against unexpected inflation but have underperformed inflation over the long-term
- A recommended ETF for investing in commodity futures
- What is causing the jump in food prices and fertilizer
- Why the risk of food shortages is increasing and what are remedies to solve it
- Why agriculture price increases don't always lead to higher food costs at the store
- Why inflation rates could slow in the coming months
For more information on this episode click here.
Episode Sponsors
Composer automated trading platform
Show Notes
Ukraine War Threatens to Cause a Global Food Crisis by Jack Nicas—The New York Times
Russia’s invasion of Ukraine is causing record-high food prices—The Economist
All That’s Stopping a Full-Blown Food Crisis? Rice by Javier Blas—The Washington Post
Packaged-food firms are running out of room to raise prices—The Economist
Prospective Plantings, March 31, 2022—USDA
Related Episodes
232: Is It Time To Invest In Commodities?
309: Investments to Fight Financial Repression
312: What the Federal Reserve’s New Policies Mean For Your Finances
338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?
342: Is Another Great Inflation Coming?
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Now Should You Buy Bitcoin? The Investment Case for the New Spot Bitcoin ETFs
Money For the Rest of Us
01/17/24 • 27 min
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 ETFs
- What are the fees and structure of these new Bitcoin ETFs
- How Bitcoin is similar and different from the fiat money system
- Where 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 underwrite some of the world’s best alternative asset investments. Learn more here.
NetSuite – Get your free KPI checklist
Insiders Guide Email Newsletter
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Show Notes
Statement on the Approval of Spot Bitcoin Exchange-Traded Products - SEC
Coinbase at the Center of Bitcoin ETF Draws Envy and Risks - Bloomberg
Related Episodes
362: Should You Invest in a Bitcoin ETF?
355: Which Money Is Crazier: The U.S. Dollar or Bitcoin?
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What Happens If The U.S. Defaults On Its Debt? Here's Why It Won't
Money For the Rest of Us
05/17/23 • 26 min
What are the grave consequences if the U.S. debt ceiling isn't increased and the government defaults? What would the Federal Reserve and the Executive Branch do to prevent default if Congress doesn't act?
Topics covered include:
- What are the potential impacts of a U.S. default on the stock and bond markets, and the overall economy
- What causes the U.S. to have a perennial debt ceiling crisis
- Why it is uncertain when the U.S. government would run out of money to meet its obligations
- What the Biden Administration could do to prevent a default
- What the Federal Reserve could do to prevent a default
- Given the ongoing crisis, should you shift assets from stocks to cash?
For more information on this episode click here.
Sponsors
Use code MONEY10 to get 10% off on your NAPA Autoparts online order.
Masterworks – invest in contemporary art
Masterworks Disclosure:
“net IRR” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold, and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd
Masterworks’ offerings are filed with the SEC, view all past and current offerings here.
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Show Notes
The Debt Limit Since 2011—Congressional Research Service
7 doomsday scenarios if the U.S. crashes through the debt ceiling by Jeff Stein—The Washington Post
Why I Changed My Mind on the Debt Limit by Laurence H. Tribe—The New York Times
The Trillion-Dollar Coin Might Be the Least Bad Option by Annie Lowrey—The Atlantic
If U.S. again risks default, Fed has 'loathsome' playbook by Ann Saphir—Reuters
Related Episodes
169: The Debt Ceiling—What Happens If the U.S. Defaults
416: Your Nation’s National Debt: 5 Things You Need To Know
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People Like Us Invest Like This - Remastered with New Introduction
Money For the Rest of Us
03/23/22 • 27 min
This week, we revisit a classic episode released five years ago. In a newly recorded introduction, David shares the background on the episode and why he chose to release it again in its newly edited form.
Topics covered include:
- The availability heuristic and confirmation bias
- How to deal with extreme events when most days are just like the day before
- How chaos and unpredictability is used as a leadership strategy
- Why do we need a point of view to guide our actions when investing
- How to manage financially in a increasingly complex and risky world
Show Notes
Uncertainty – Lawrence M. Krauss – Edge
Regression To the Mean – James J. O’Donnell – Edge
Excerpts from Seth Klarman’s 2016 year end letter to his clients as quoted in the New York Times
Messy: The Power of Disorder To Transform Our Lives – Tim Harford
Seth Godin Course on Presenting To Persuade
Ultra-Easy Money: Digging The Hole Deeper? – William R. White
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Strategies and Systems Want Your Money
Money For the Rest of Us
11/13/24 • 29 min
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
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Show Notes
Ruminating on Asset Allocation by Howard Marks—Oaktree Capital
Michael E. Porter—Harvard Business School
This Is Strategy by Seth Godin—Simon & Schuster
Victor Meets the Boglehead by Victor Haghani & James White—VettaFi Advisor Perspectives
Static vs Dynamic Asset Allocation; Victor Meets the Boglehead—Bogleheads.org
Tim Cook on Why Apple’s Huge Bets Will Pay Off By Ben Cohen—The Wall Street Journal
Related Episodes
491: The Five Layers of Investing
451: How Much Should You Invest in Stocks? The Art of Position Sizing in a Volatile Market
420: Does a 60/40 Balanced Portfolio Still Work?
397: How To Invest Based on Cycles
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Does Dividend Investing Still Work?
Money For the Rest of Us
02/14/24 • 28 min
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 dividend
- What is dividend smoothing
- How have dividend payers performed relative to non-dividend payers
- Why have non-dividend payers, which are primarily growth stocks, outperformed dividend payers
- How the payout ratio and return on equity impact dividend strategies
- What are reasons to include dividend strategies in your portfolio
Sponsors
LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs
Betterment - the automated investing and savings app
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Our Premium Products
Show Notes
The dividend puzzle by Fischer Black—The Journal of Portfolio Management
Can Dividend Investing Rise From the Dead? by Jon Sindreu—The Wall Street Journal
Einhorn Says Markets ‘Fundamentally Broken’ By Passive, Quant Investing by Matthew Griffin—Bloomberg
Investments Mentioned
WisdomTree U.S. SmallCap Quality Dividend Growth Fund (DGRS)
WisdomTree Emerging Markets High Dividend ETF (DEM)
Vanguard Dividend Appreciation ETF (VIG)
iShares Core S&P 500 ETF (IVV)
Related Episodes
429: Which Inflation Protection Strategies Worked and Which Didn’t?
342: Is Another Great Inflation Coming?
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Investing Fundamentals and What Is Attractive Now
Money For the Rest of Us
04/03/24 • 48 min
In this conversation with financial advisor Josh Jalinski, David shares his views on constructing and benchmarking portfolios, factor investing including growth versus value, and managing regret. We explore a number of asset classes and strategies including dividend investing, leveraged loans, closed-end funds, equity REITs, and China. We also discuss how to manage retirement assets.
Sponsors
Monarch Money – Get an extended 30-day free trial
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Show Notes
Josh Jalinksi - Financial Quarterback
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How to Invest in Private Credit / Direct Lending
Money For the Rest of Us
01/29/25 • 26 min
We explore what private credit, or direct lending, is and how to invest in it. We also show how it is similar and different from investing in leverage loans and CLOs.
Topics covered include:
- Why more companies are staying private
- How private credit differs from the leverage loan market
- Why private credit is growing so rapidly
- What are the benefits to private credit investing
- What are liquid and less liquid ways to invest in private credit
Sponsors
Insiders Guide Email Newsletter
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Our Premium Products
Show Notes
The Credit Markets Go Dark by Jared A. Ellias and Elisabeth de Fontenay—SSRN
The Lost Promise of Private Ordering by Cathy Hwang, Yaron Nili, and Jeremy McClane—SSRN
Investments Mentioned
VanEck BDC Income ETF (BIZD)
Barings Corporate Investors Fund (MCI)
Long Angle
Cliffwater Enhanced Lending Fund
BlackRock Private Credit Fund (BDEBT)
BondBloxx Private Credit CLO ETF (PCMM)
Virtus Seix AAA Private Credit CLO ETF (PCLO)
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Beyond Faster (T+1) Trade Settlements: The Hidden Costs of Optimization
Money For the Rest of Us
05/29/24 • 27 min
Why stock, ETF, and bond trades are optimized to settle in less than a day, allowing investors quicker access to their cash and securities. What are the benefits and costs of optimization in the relentless drive for cheaper, faster, and more profitable.
- Why countries are moving to T+1 settlement from T+2 for security trades
- What will it take for secur
- How BlackRock and Franklin have launched Treasury funds that are tokenized and trade on the Etherium network
- How optimization works and what are the tradeoffs
- How we can use satisficing and rules of thumb in order to cope with the complexity of the world
Sponsors
Monarch Money – Get an extended 30-day free trial
Our Premium Products
Show Notes
About the ‘T+1’ Rule Making US Stocks Settle in a Day by Lydia Beyoud and Greg Ritchie—Bloomberg
SEC Chair Gensler Statement on Upcoming Implementation of T+1 Settlement Cycle—SEC
Speedier Wall Street Trades Are Putting Global Finance On Edge by Greg Ritchie—Bloomberg
Optimal Illusions: The False Promise of Optimization by Coco Krumme
Related Episodes
457: AI’s Fork in the Road: Societal Bliss or Existential Threat
329: Meme Stocks, GameStop, Short Squeezes, and Bubbles
228: How Tokenization Will Radically Change Investing
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How To Invest in Web3, DAOs and the Metaverse
Money For the Rest of Us
12/08/21 • 24 min
What is Web 3.0 and how will it transform the world? How you can invest your time and money in decentralized autonomous organizations and other Web3 projects.
Topics covered include:
- What are Web 1.0, Web 2.0, and Web 3.0 and how do they differ
- What are decentralized autonomous organizations (DAOs)
- How DAOs operate and what are some examples
- How to register one's Web 3.0 user name
- How the Ethereum network, a major part of Web3, is changing
- How to participate and invest in DAOs and other Web3 projects
Thanks to LinkedIn and Commonstock for sponsoring the episode.
For more information on this episode click here.
Show Notes
Decentralized autonomous organizations (DAOs)—Ethereum
State of the DAOs #0 | Oct 6th, 2021 by BanklessDAO Writers Guild—BanklessDAO
Decentralized Autonomous Organizations;The New Coordination Frontier by Calvinme—Medium
Organization Legos: The State of DAO Tooling by Nichanan Kesonpat—Medium
What Is the Metaverse, Exactly? by Eric Ravenscraft—Wired
Related Episodes
339: How To Make Money with BlockFi, Dai and the Evolving DeFi Ecosystem
NFTs—Money For the Rest of Us Topic Index
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FAQ
How many episodes does Money For the Rest of Us have?
Money For the Rest of Us currently has 540 episodes available.
What topics does Money For the Rest of Us cover?
The podcast is about Investing, Investing Podcast, Podcasts, Economics, Business and Economy.
What is the most popular episode on Money For the Rest of Us?
The episode title 'How to Do Financial Planning' is the most popular.
What is the average episode length on Money For the Rest of Us?
The average episode length on Money For the Rest of Us is 28 minutes.
How often are episodes of Money For the Rest of Us released?
Episodes of Money For the Rest of Us are typically released every 7 days.
When was the first episode of Money For the Rest of Us?
The first episode of Money For the Rest of Us was released on May 15, 2014.
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