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
…
continue reading
1
Should You Invest in Nuclear Energy?
20:40
20:40
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
20:40
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 facility How much does nuclear energy contribute to global power generation Why is demand for elec…
…
continue reading
1
Strategies and Systems Want Your Money
29:21
29:21
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
29:21
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 …
…
continue reading
1
Episode 500: The S&P 500 Index and the Decade Ahead
27:23
27:23
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:23
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 futur…
…
continue reading
1
What Makes an Economy Prosperous? Spotlight on Cuba and Argentina
22:43
22:43
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
22:43
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 blackouts Why economic sanctions frequently don't work How Argentina's President Millei is taking a "chainsaw" to the nation's economy Why emerging markets will need …
…
continue reading
1
Ten Things I've Learned About Investing in the Past Decade
30:24
30:24
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
30:24
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 Journey Keep Experimenting Be Willing to Adopt New Asset Classes Be Very Patient Trade Less, Focus On Long-term Drivers Monetary Diversification Don't Focus on Relative Performance Ignore the Noise Take Your …
…
continue reading
1
How to Fix the Retirement Savings Crisis
25:20
25:20
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
25:20
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. Topics Why 401k and other defined contributions haven't worked, despite their popularity Why defined benefit pension plans declined Why 401k plans are treated like emergency funds How to c…
…
continue reading
1
Are You Taking Enough Aspirational Risk?
25:45
25:45
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
25:45
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 flaws Why so many people have gotten wealthy by being undiversified How to balance personal risk, market risk, and aspi…
…
continue reading
1
Plus episode excerpts: ETF Size, the Long-term Impact of QE, and Stock Market Inelasticity
27:30
27:30
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:30
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 news…
…
continue reading
1
The Federal Reserve Cut Interest Rates. What Should We Do Now?
28:07
28:07
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
28:07
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 currently What is the best estimate of bond returns How duration works and why it changes What are some current fixed income investment op…
…
continue reading
1
When to Sell Equity or Borrow: A Guide for Homeowners, Students, and Artists
24:00
24:00
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
24:00
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 mortgage What is the cost of home equity investments How funding education through income share agreements has changed Why artists sell royalties to their work How i…
…
continue reading
1
The Housing Affordability Crisis: What Caused It and How to Fix It
23:54
23:54
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
23:54
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 housing How the housing collapse as part of the Great Financial Crisis contributed to today's affordability crisis How central bank QE pr…
…
continue reading
1
The Power of Optionality: Small Bets, Big Payoffs
22:31
22:31
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
22:31
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 work…
…
continue reading
1
The Five Layers of Investing - Which Layers Is Your Portfolio Allocated?
31:13
31:13
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
31:13
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 trading 2. Longer-term speculations 3. Individual securities 4. Diversified portfolios focused on underlying drivers and factors 5. Maximum diversification …
…
continue reading
1
Should You Invest in Private Equity?
28:15
28:15
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
28:15
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 fees How is private equity performance measured, and how has it performed Why does private equit…
…
continue reading
1
Making Better Investment and Life Decisions - Episode 203 Remastered
23:44
23:44
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
23:44
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 w…
…
continue reading
1
Why the Market Has Sold Off and What Should You Do
27:44
27:44
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:44
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 monthly How bad was the recent U.S. employment report and what is the Sahm Rule What a…
…
continue reading
1
Should You Invest in an Ethereum ETF?
27:39
27:39
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:39
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 fees How Ethereum differs from Bitcoin Examples of applications built on the…
…
continue reading
1
Are We Heading for a 2030s Depression? - Understanding Global Economic and Population Shifts
28:13
28:13
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
28:13
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 turmoil What are U.S. and global population predictions b…
…
continue reading
1
How Retail Traders Lose Big While Enriching Wall Street
22:44
22:44
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
22:44
Gambling in the stock market is increasing, with most traders losing money while generating billions of dollars per year for brokerages and wholesalers. Will all this trading lead to big market swoons? Topics covered include: Why sports gambling has grown so much How gambling in the stock market is measured, and how prevalent is it Why most traders…
…
continue reading
1
Should You Invest in Defined Outcome Buffer ETFs?
27:35
27:35
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:35
Buffer ETFs protect against the downside while capping the upside. We examine them closely to see if they are worth it. Topics covered include: How buffer ETFs are structured and some current examples How buffer ETFs have performed over the past five years What are the risks of buffer ETFs How loss aversion and narrow framing contribute to the popu…
…
continue reading
Seven ways to increase the odds of living long into your retirement years (if you choose to retire). Sponsors Monarch Money – Get an extended 30-day free trial Lifetime Money for the Rest of Us Plus membership Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Podcast Stats: How many podcasts are there?—Listen Notes Quality Ov…
…
continue reading
1
Don't Lose Access to Your Cash: Comparing Banks, Neobanks, and Fintech Platforms for Cash Savings
24:10
24:10
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
24:10
Millions of fintech app users have lost access to their cash. In this episode, we explain why this happened and show you how to protect yourself when placing cash with traditional banks, neobanks, and fintech platforms. Topics covered include: The mass chaos in the fintech space spawned by the bankruptcy of Synapse Financial Technologies What are F…
…
continue reading
1
Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity
28:11
28:11
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
28:11
How a few high-impact successes drive up overall average outcomes in investing, business, and creative projects. How to harness positive skewness using a barbell approach. Learn when to mitigate risks and when to embrace them. Topics covered include: What is positive skewness and how does it manifest in investing, business and creative endeavors Ho…
…
continue reading
1
How to Navigate the Crippling Home Insurance Crisis
27:00
27:00
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:00
Why are homeowners seeing home insurance premiums increases of up to 70%, as David has? What can you do if your insurer drops you, you get a huge premium increase, or you can no longer afford coverage? Topics covered include: What are the primary drivers of home insurance price increases Why these increases don't show up in the U.S. consumer price …
…
continue reading
1
Beyond Faster (T+1) Trade Settlements: The Hidden Costs of Optimization
27:10
27:10
Main Kemudian
Main Kemudian
Senarai
Suka
Disukai
27:10
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 se…
…
continue reading