300 episodes

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

Money For the Rest of Us J. David Stein

    • Investing
    • 4.6, 100 Ratings

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

    A 15% Guaranteed Return? Lending on the Fringes of Finance

    A 15% Guaranteed Return? Lending on the Fringes of Finance

    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 optionsDriverLoans Investor Club that promises a 15% guaranteed returnBlockFi - cryptocurrency lending with yields over 8%LendingClub and why returns are only 4% to 5%The economics of cash advance and payday loan lending businesses


    Thanks to LinkedIn and Aspiration for sponsoring the episode. Text the word David to 64000 to open an Aspiration Save and Spend Account.

    For show notes and more information on this episode click here.

    • 26 min
    How to Do Financial Planning

    How to Do Financial Planning

    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 lack of resilience.How David's portfolio is allocated using a role-based flexible bucket approach.


    Thanks to Policygenius and The Great Courses Plus for sponsoring the episode.

    For show notes and more information on this episode click here.

    • 25 min
    Investing Is Not Knowing

    Investing Is Not Knowing

    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 stock of the bankrupt company Hertz is a great example of how not to invest.What is privilege and what should we do about it.


    Thanks to NetSuite and Aspiration for sponsoring the episode. To open your Aspiration Spend and Save cash management account, text DAVID to 64-000

    For show notes and more information on this episode click here.

    • 21 min
    Use Caution with Alternative Investments

    Use Caution with Alternative Investments

    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.What are 5 factors that determine alternative investment returns.Lessons from three recent alternative investment deals including one that defaulted.How to evaluate alternative investment opportunities.


    Thanks to Simplifi and Policygenius for sponsoring the episode.

    For show notes and more information on this episode click here.

    • 22 min
    Ray Dalio and the Changing World Order

    Ray Dalio and the Changing World Order

    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 processWhy human productivity is the most powerful force for creating wealth.Additional forces that contribute to nations increasing in power and wealth.Why being the reserve currency is an exorbitant privilege.What are factors that indicate a nation's influence and power is in decline.What are 5 important monetary principles all investors should understand.What are the questions you should ask to gauge your economic well-being.What investments should you own to prepare for a changing world order.


    Thanks to LinkedIn Learning for sponsoring the episode.

    For show notes and more information on this episode click here.

    • 22 min
    Has the Pandemic Changed You?

    Has the Pandemic Changed You?

    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 worldHow removing things is more powerful than adding thingsHow airline travel will change, leading to more local travelWhy bicycle sales are soaringHow our social interactions are changingWhat is local maximaHow the forces of money, trust, technology, and climate change have played out in the aftermath of the pandemic.


    Thanks to The Great Courses Plus for sponsoring the episode.

    For show notes and more information on this episode click here.

    • 17 min

Customer Reviews

4.6 out of 5
100 Ratings

100 Ratings

oilcocao ,

10/10 Would recommend

Very good content and he keeps on coming up with new topics. My only complaint is that he is very conservative (in terms of financial risk not politics), which is probably a good thing considering his audience. However, it gets a little boring when analyzing strategies that differ by a % or so. I particularly liked his episode on oil and ancient Mexicans using cocoa beans for currency.

Jenniferfehr ,

Good content, way too many ads

Has really good content most of the time but up to 1/3 of airtime is actually ads which can be really annoying when there are other podcasts available with similarly good content without interrupting every 5 mins for a 3 min ad.

kkellyruan ,

Enjoyable and informative

I do not have a financial background and began listing to this podcast to overcome that shortfall. David has thought me a lot about finance, and a lot about life. I believe his explanations are objective and his observations are fair. As I am new financial education I enjoy how he breaks up the discussions with anecdotes, occasionally he will have an episode which could be described as only tangentially related to finance...I confess these learning breaks are often the most enjoyable listening.

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