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
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AI Is Changing Me - and the Case for Good Enough
<p>When is good enough actually good enough? AI is reshaping how I work and live. And a member with a portfolio that's beaten an all-in-one Vanguard LifeStrategy fund for ten years asks whether the complexity is worth it — or whether it's time to simplify.</p><p>Sponsors</p><p>Masterworks - Invest in multimillion-dollar artwork offerings</p><p>Delete Me – Use code David20 to get 20% off</p><p>Insiders Guide Email Newsletter</p><p>Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</p><p>Our Premium Products</p><p>...
What Average Really Looks Like — and Can Managed Futures Help?
<p>How historical and expected returns for university endowments can guide us in setting reasonable return expectations. We also analyze managed futures strategies to see how they work, how they have performed, and how to use them in your investment portfolio.</p><p>Insiders Guide Email Newsletter</p><p>Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</p><p>Our Premium Products</p><p>Asset Camp</p><p>Money for the Rest of Us Plus</p><p>Show Notes</p><p>2025 NACUBO-Commonfund Study of Endowments (NCSE) Results—NACUBO</p><...
Asset Location: Where You Invest, Where You Live, What You Can Access
<p>In this episode, we look at asset location, how to decide which investments belong in taxable, tax-deferred, and tax-free accounts, how where we live shapes the opportunities available to us, and how capital ultimately expands our choices.</p><p>Sponsors</p><p>Gelt - Taxes Done Right</p><p>Masterworks - Invest in multimillion-dollar artwork offerings</p><p>Delete Me – Use code David20 to get 20% off</p><p>Insiders Guide Email Newsletter</p><p>Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</p><p>Our Premium Products</p><...
Why Catastrophe Bonds Yield 12%. Should You Invest?
<p>A new ETF allows individuals to earn income by insuring against natural disasters through investing in catastrophe bonds. We break down the historical returns, risk, fees, and structure of this intriguing investment opportunity.</p><p>Topics covered include:</p>What types of natural disasters are increasingHow insurance companies use reinsurance and cat bonds to protect against extreme lossesWhy home insurance premium increases should be lower in 2026How cat bonds are structured and what makes them a unique fixed income securityWhat to consider in deciding to invest in cat bonds.<p><br></p><p>Sponsors</p><p>Gelt - Taxes...
What Will Drive Financial Markets in 2026—and How to Make It Your Best Year
<p>We explore the forces likely to shape financial markets in 2026 and how to make better decisions as you pursue your goals this year.</p><p>Topics covered include:</p>The difference between intentions and resolutionsKey behavioral biases and how to overcome themThe cautionary tale of a private real estate fund that went publicIs the affordability crisis real?The big test for AI in 2026The financial and economic outlook for the year<p><br></p><p>Sponsors</p><p>Gelt - Taxes Done Right</p><p>Masterworks - Invest in multimillion-dollar artwork offerings</p><p>Delete Me – Use code David20 to...
Debt Is For Managing Wealth Not Creating It
<p>Should you borrow money to magnify returns in your 401 (k), IRA, or other tax-deferred retirement account?</p><p>We examine Basic Capital, which allows investors to leverage their retirement account investments.</p><p>We also explore how the wealthy don't use debt to generate wealth but to manage it. </p><p>Sponsors</p><p>Gelt - Taxes Done Right</p><p>Insiders Guide Email Newsletter</p><p>Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</p><p>Our Premium Products</p><p>Asset Camp</p><p>Money fo...
Do Retiring Baby Boomers Actually Move Markets? And How Much Do Demographics Really Matter
<p>As Baby Boomers continue to retire, some analysts expect financial markets to feel the strain. We examine whether demographic shifts truly shape stock and bond returns, or what other factors matter more.</p><p>Topics covered include:</p>Will retiring baby boomers lead to lower stock prices or higher interest ratesSome earlier demographic predictions and how they worked outHow do natural interest rates reflect the demand and supply of capitalWhy demographics are only one factor that determines economic growth and financial market returns<p><br></p><p>Sponsors</p><p>Gelt - Taxes Done Right</p><p>Delete Me – Us...
Burnout, Breaks, and the Courage to Spend with David Bach
<p>David converses with best-selling author David Bach about preventing burnout through sabbaticals, moving to another country, why retirees should take Social Security as early as possible, and Bach's idea of a flat tax on IRA distributions.</p><p>Insiders Guide Email Newsletter</p><p>Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</p><p>Our Premium Products</p><p>Asset Camp</p><p>Money for the Rest of Us Plus</p><p>Show Notes</p><p>David Bach's IRA Flat Tax Idea</p><p>Related Episode</p><p...
Sports Betting Is Not Investing
<p>Can you really make money sports betting on low-risk, high-probability events?</p><p>Topics covered include:</p>The growing size and influence of the U.S. sports betting marketRecent sports betting scandalsHow sports betting odds workAn intriguing low-risk approach to sports bettingWhy the low-risk sports betting approach is still gambling with a negative expected returnBehavioral biases that encourage sports bettingRevisiting the difference between investing, speculating, and gambling<p><br></p><p>Episode Sponsor</p><p>Delete Me – Use code David20 to get 20% off</p><p>Insiders Guide Email Newsletter</p><p>Get our free Investors' Checklist when you sign up...
Hoarding, FOMO, and Zcash: A Private Bitcoin
<p>What’s the difference between hoarding and investing? There’s a reason markets built on productive assets—like stocks and bonds—are far larger than hoarding markets such as gold and cryptocurrency. In this episode, David explores why that is, and shares why he recently bought Zcash, and how it’s both similar to and different from Bitcoin.</p><p>Email Newsletters</p><p>Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter</p><p>Money for the Rest of Us Substack</p><p>Our Premium Products</p><p>Asset Cam...
