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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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show series
 
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 account How an individual's personal financial flows are similar to those of a country What is causing the currency crisis in Turkey an…
 
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 have What is the volatility risk premium and how to invest in it Why there have been over 200 new ETFs and ETNs launched in the U.S. in 2020 Why some…
 
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 wrong Why the state of the economy often drives election outcomes What has been the e…
 
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 soon What are the two kinds of money that central banks currently issue and how would a central bank digital currency differ Ho…
 
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 sponsors What are the benefits of a SPAC acquisition compared to a traditional initial public offering How SPACs…
 
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 valuations Why are homes sales increasing and prices soaring and how likely are they …
 
This episode is an interview that Fund Evaluation Group LLC held with David as part of their FEG Insight Bridge podcast series. Topics covered include: What David did and learned at FEG What goes into making the Money For the Rest of Us podcast Central banking and the Federal Reserve Investing in gold and cryptocurrencies Current investment conditi…
 
What are the elements of a successful monetary system. Topics covered include: The stone currency of Yap The fiat currency of ancient China Why money requires trust, accounting and tokens Why too much money can lead to inflation and too little to deflation Why the best money is useless other than as money Thanks to LinkedIn and Candid for sponsorin…
 
How ultra-low interest rates support higher stock market valuations but also make the investment environment more challenging. Is there a stock market bubble? Topics covered include: How expensive are stocks on an absolute basis and relative to bonds What are examples of individual investor enthusiasm for stocks Why stock valuations and prices incr…
 
What are four principles individuals can follow to achieve their financial and career goals this decade despite the rough start in 2020. Why we have to be willing to share our journey with others so that they are vested in our story Why it's important to focus on areas where we have momentum How to prudently use leverage in order to build an asset …
 
What are the numerous decisions individuals have to make in managing their investments portfolios. Topics covered include: Why individual investors in order to build and preserve wealth should invest like family offices and university endowments Why even buy and hold investors make portfolio changes What are examples of the numerous decisions indiv…
 
The Federal Reserve just updated its policy tools. What impact could that have on inflation, interest rates and your investments. Topics covered include: Why is the Federal Reserve more transparent in its communication than it used to be. What are the Federal Reserve's Congressionally mandated goals. What are four economic developments that has cau…
 
How did ETFs function during the 2020 market sell-off and did the indexing bubble burst? What ETF structures failed the stress test and which passed. Why were some investors, like Michael Burry, concerned about an indexing bubble What are ETF risks such as flash crashes How did equity ETFs function during the spring 2020 sell-off and how they can a…
 
How the current global recession differs from the Great Financial Crisis and why the recession is probably over. Topics covered include: Why the current recession has no debt and banking crisis Why lower-income workers are disproportionally harmed by the current recession How the federal government and central bank responses differed between the cu…
 
What are some investments that can generate a cash yield greater than inflation in an era when central bank policies keep government bond yields lower than the inflation rate. Topics covered include: How low are interest rates around the world What have inflation rates been and what causes inflation and deflation What is financial repression Why ar…
 
What is the cause of the current U.S. coin shortage and when have there been other shortages. Why is there a push to get rid of both the penny and the hundred dollar bill. Topics covered include: How many coins does the U.S. Mint produce each year and why hasn't it been enough to avert a coin shortage in 2020. How the U.S. coin shortage in the earl…
 
What are the pros and cons of income share agreements for partially funding higher education. Are investing in ISA's a viable opportunity? Topics covered include: How do income share agreements (ISAs) differ from student loans for funding higher education costs. Are ISA's really a partial form of slavery or indentured servitude What are the compone…
 
What are the three primary ways to allocate assets and build a portfolio when saving for retirement or living in retirement. Topics covered include: How saving for retirement and living in retirement differ. What are the expected return and risk of the Permanent, Golden Butterfly, and All Season portfolios. What are the pros and cons of a role-base…
 
Is a bank collapse coming due to bank exposure to collateralized loan obligations as defaults increase? Topics covered include: What are collateralized loan obligations (CLOs), how are they structured, and what has been their historical default rates. How much exposure do banks have to CLOs and will it impact your bank savings and investments. What…
 
An analysis of the returns and risks of different lending platform options including asset-based lending, unsecured peer-to-peer lending, cryptocurrency lending and a cash advance company that promises to pay a 15% annual percentage yield. Topics covered include: U-haul Investors Club and other asset-based lending options DriverLoans Investor Club …
 
Why individuals should use a more agile approach to investing and financial planning. Topics covered include: How to incorporate low probability catastrophic events in your financial plans. How traditional financial planning differs from agile financial planning. Why we need to test-drive our financial plans. How too much efficiency can lead to a l…
 
How successful investing requires judgment and humility not accurate forecasting ability. Topics covered include: Why pretending to know when you don't is harmful. Why true experts admit their limitations. Why David recently increased his allocation to stocks in his portfolio. How the number of new retail brokerage accounts has exploded. How the st…
 
How alternative investment opportunities, such as venture capital, private equity, real estate and real assets, are increasing for individuals. Why these opportunities differ from what is available to institutional investors and how to evaluate them like a pro. Topics covered include: What are alternative investments and how are they structured. Wh…
 
What are the forces that lead to the rise and fall of nations. Why does the U.S. appear to be in decline and what investors can do to prepare. Topics covered include: An overview of Ray Dalio and Bridgewater Associates' investment process Why human productivity is the most powerful force for creating wealth. Additional forces that contribute to nat…
 
A look at growing patterns consumers and businesses are adopting as a result of the Covid-19 pandemic. Topics covered include: Two constants in a radically unpredictable world How removing things is more powerful than adding things How airline travel will change, leading to more local travel Why bicycle sales are soaring How our social interactions…
 
How the stock market differs from and can perform differently than the economy while remaining highly dependent on the economy for its success. Topics covered include: Why the stock markets in countries with lower economic growth performed better than the stock markets in countries with higher economic growth. How the top 5 stocks in the S&P 500 In…
 
How to protect your savings from monetary threats like devaluation. Why high yield savings accounts exist, and are they worth it. Topics covered include: Why Lebanon defaulted on its national debt and announced it will devalue its currency by 57%. Why some depositors in Lebanon will probably lose some of their bank savings. What investors can do to…
 
Why the oil price fell below zero and what are other examples of negative prices. What lessons can we learn from negative prices. Topics covered include: How oil futures work and why the oil future prices fell below zero for the first time ever. Why has the United States Oil ETF (USO) lost so much money. How ETF authorized participants create new s…
 
How central banks can become insolvent and why it can lead to hyperinflation. What are four ways the Federal Reserve and the U.S. Treasury could monetize the national debt. Topics covered include: What are the major asset and liabilities of the Federal Reserve How does the Federal Reserve make a profit and what happens if it suffers a loss. How has…
 
How the stories we tell ourselves lead to economic change. What are current pandemic related narratives that are impacting financial markets and the economy. Topics covered include: Examples of mathematical models for epidemics. What are the risks when the global economy is opened again. Under what circumstances do individuals rely on anecdotal evi…
 
What is the difference between risk and uncertainty and how our decision making approach should differ under each scenario. Why pandemics are highly uncertain and should be treated as such. Topics covered include: How the coronavirus pandemic is far worse than other pandemics this century. How humans have a difficult time accepting that things won'…
 
What central banks such as the Federal Reserve and federal governments are doing to counteract the negative impact of the pandemic related economic shutdown. What are the risks of this massive monetary and fiscal stimulus and how to mitigate those risks. Topics covered include: How central banks have the capacity to create an infinite amount of mon…
 
How to avoid ruin and help others avoid ruin as the economy shuts down to slow the spread of the coronavirus. Topics covered include: What is the precautionary principle and how can it help us make important decisions with regards to the coronavirus pandemic. How many people could be infected with Covid-19 in the next 30 to 60 days at the current d…
 
Why closed-end funds are David's favorite investment vehicle, particularly during market panics. What are the unique characteristics of these funds and what are successful strategies for investing them. Topics covered include: How closed-end funds differ from open-end mutual funds and ETFs. Why most closed-end funds are bond funds and use leverage.…
 
Why most investors practice both market timing and time in the market. Why it is okay to reduce stock exposure given the coronavirus pandemic threat. What would a stock portfolio return that misses the best or worst days and how likely is that. How do rolling 30-year stock returns differ depending on the starting point. Why are stocks likely to out…
 
Almost half of Millennials want to retire early. Will that hurt economic growth? There were similar concerns in the 1920s that early retirement would wreck the economy. In fact, there was significant pushback against retiring at all due to fears retirements would destroy the economy. Yet, the Great Depression still came. In this episode, we conside…
 
What factors lead to hyperinflation, why it is so devastating, how hyperinflation can be overcome and what can individuals do to be prepared for hyperinflation. Topics covered include: What causes inflation and how do central banks manage it. How the causes of hyperinflation differ from more normal levels of inflation. What is the biggest challenge…
 
How pandemics have impacted the economy and financial markets. Where does the coronavirus rank in severity compared to other pandemics. What portfolio changes, if any, should investors make in response to the coronavirus pandemic. Topics covered include: Definition of a pandemic The worst pandemics in the 20th and 21st centuries What are the factor…
 
How most money, such as currency, bank deposits, money market mutual funds, and repurchase agreements, is really short-term debt, often backed by other debt. As a result, money is subject to runs when investors lose confidence and don't want to own it. That can lead to financial crises. Topics covered in this episode include: How counterfeiting cur…
 
How to protect against financial hardship and assist others who are struggling financially. Topics covered include: Why are so many families leaving Central America and seeking to enter the United States. How have U.S. immigration patterns changed. Why immigration leads to higher economic growth. Why unsheltered homelessness is increasing around th…
 
How investors make money with carry trades, how central banks encourage such trades, and what are the dangers to financial markets and the economy when carry trades get too big. Topics covered include: What are the attributes and examples of carry trades. Why do carry trades exist even though investors can suffer massive losses. What was Volmagedde…
 
What factors determine the well-being of an individual or nation and why gross domestic product is an inadequate measure of prosperity. Topics covered include: Evidence many Americans are poorer than before the Great Recession. Why life expectancy in the U.S. is falling. How satisifiedare U.S. citizens. What is GDP and why is the U.S. Bureau of Eco…
 
How climate change, money, trust and technology will interact to impact financial markets and the economy in the coming decade. Topics covered include: Why we change much more over a decade's time than we predict. What is the best approach for transitioning to a new career. What have stocks and bonds returned over the past decade and what are reaso…
 
How is it the global economy still functions even though most individuals do not trust brands, public institutions or each other. Topics covered in this episode include: The low level of interpersonal trust around the world What is social capital and how it facilitates a trust economy. What are the incentives that encourage individuals and business…
 
How a safety-first retirement approach using income annuities is more predictable and takes less money than depending entirely on your investment portfolio to fund your retirement. Topics covered include: The difference between a safety-first and probability-based approached to retirement. How income annuities work. Why setting a sustainable retire…
 
Two Money For the Rest of Us podcast listeners are struggling with spending money. The first listener is 22 and lives in Canada. He feels as if his money is going everywhere such as saving for a house, car, and retirement, but very little goes to things he enjoys. The second listener is 46 with a $2 million net worth, but in his case, he finds he d…
 
How regulatory changes could lead to a boom in new ETFs, including actively managed ETFs. Why ETFs continue to be one of the most innovative, cost effective and tax efficient investment vehicles. Topic covered include: How big is the ETF market relative to mutual funds. What are the benefits of ETFs that have allowed them to gain market share from …
 
How to find your unique work that can bring satisfaction and income before and during the traditional retirement years. Topics discussed in this episode include: What is settled work. Why you need time and space to find and do your best work. What is a commonplace book and why it can be helpful. How filters and saying no can help us control our tim…
 
Is it possible to be too diversified and how can you tell? Why Warren Buffet thinks diversification is protection against ignorance. Topics covered include: The skills you need to be able to select individual stocks. How have active managers outperformed relative to passive indexing products. How much diversification is too much and a test to deter…
 
David's book Money for the Rest of Us: 10 Questions to Master Successful Investing is now available (at least the e-book version). To celebrate, here is a bonus episode with excerpts from the forthcoming audiobook. Please enjoy the Introduction and Chapter One. Also, as part of the book launch, David will be hosting an Ask Me Anything (AMA) on Redd…
 
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