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501 episodes
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Money For the Rest of Us Money For the Rest of Us
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4.5 • 2 Ratings
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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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Are We Heading for a 2030s Depression? - Understanding Global Economic and Population Shifts
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 turmoilWhat are U.S. and global population predictions by the Congressional Budget Office and the United NationsWhat is the status of Social Security and what would it take to make it more sustainableWhat are the impacts of a slowing or shrinking populationHow should we invest, and what other financial actions should we take in the face of long-term depression forecasts
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Show Notes
Top 5 Causes of the 2030s Great Depression—ITR Economics
The Demographic Outlook: 2024 to 2054—Congressional Budget Office
Testimony on Social Security’s Finances—Congressional Budget Office
World Population Prospects 2024—The United Nations
World Population Prospects 2024: Graphs/Profiles—The United Nations
America is uniquely ill-suited to handle a falling population—The Economist
Suddenly There Aren’t Enough Babies. The Whole World Is Alarmed. by Greg Ip and Janet Adamy—The Wall Street Journal
Related Episodes
479: National Debt Master Class Finale – What To Do
468: Lessons from Japan’s 34 Years of Stock Market Underperformance
395: How Population Trends Will Impact Growth, Inflation, Investing and Well Being
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How Retail Traders Lose Big While Enriching Wall Street
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 muchHow gambling in the stock market is measured, and how prevalent is itWhy most traders lose money but continue to trade anywayHow uninformed traders improve market liquidity and encourage trading by informed tradingWhy being an asset allocator is more rewarding and as intellectually stimulating as trading
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Show Notes
How Stocks Became the Game That Record Numbers of Americans Are Playing by Claire Ballentine—Bloomberg
MURPHY, GOVERNOR OF NEW JERSEY, ET AL. v. NATIONAL COLLEGIATE ATHLETIC ASSN. ET AL. SYLLABUS—The Supreme Court of The United States
America's Sports Betting Boom by Felix Richter—Statista
Searching for Gambles: Gambling Sentiment and Stock Market Outcomes by Yao Chen, Alok Kumar, Chendi Zhang—SSRN
Stocks as Lotteries: the Implications of Probability Weighting for Security Prices by Nicholas Barberis and Ming Huang—SSRN
Day Trading for a Living? by Fernando Chague, Rodrigo De-Losso, Bruno Giovannetti—SSRN
Computer based trading system and methodology utilizing supply and demand analysis—Google Patents
Retail Trading in Options and the Rise of the Big Three Wholesalers—Svetlana Bryzgalova, Anna Pavlova, Taisiya Sikorskaya—SSRN
Amateurs Pile Into 24-Hour Options: ‘It’s Just Gambling’ by Gunjan Banerji—The Wall Street Journal
Retail Traders Love 0DTE Options... But Should They? by Heiner Beckmeyer, Nicole Branger, Leander Gayda—SSRN
Related Episodes
482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity
239: How to Be a Successful Trader
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Should You Invest in Defined Outcome Buffer ETFs?
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 examplesHow buffer ETFs have performed over the past five yearsWhat are the risks of buffer ETFsHow loss aversion and narrow framing contribute to the popularity of buffer ETFsAre buffer ETFs worth it and what are some alternative strategies that could be used instead
Sponsors
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Show Notes
BlackRock Enters Booming Market for Stock ETFs With a 100% Hedge by Emily Graffeo—Bloomberg
New Stock ETF Offers 100% Hedge as Buffer Funds Nab $46 Billion by Emily Graffeo—Bloomberg
The Dynamics of Defined Outcome Exchange Traded Funds by Luis García-Feijóo and Brian Silverstein—SSRN
Monetizing Loss Aversion for Fun and Profit—Paul Kedrosky
Thirty Years of Prospect Theory in Economics: A Review and Assessment by Nicholas C. Barberis—Journal of Economic Perspectives
Prospect Theory: An Analysis of Decision Under Risk by Daniel Kahneman and Amos Tversk—ECONOMETRICA
Investments Mentioned
Innovator U.S. Equity Ultra Buffer ETF - January Series (UJAN)
Innovator U.S. Equity Ultra Buffer ETF - June Series (UJUN)
iShares Large Cap Max Buffer Jun ETF (MAXJ)
Innovator U.S. Equity Accelerated 9 Buffer ETF (XBJL)
SPDR S&P 500 ETF Trust (SPY)
Related Episodes
465: Transforming Financial Regrets into Portfolio Gains: Five Strategies for Navigating Investment Emotions
460: Should You Be Invested 100% in Stocks Before and During Retirement? A Recent Study Says Yes.
451: How Much Should You Invest in Stocks? The Art of Position Sizing in a Volatile Market
394: How to Get Better at Risk Taking
321: How to Analyze Complex Investments
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7 Steps to Living a Long Life
Seven ways to increase the odds of living long into your retirement years (if you choose to retire).
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Show Notes
Podcast Stats: How many podcasts are there?—Listen Notes
Quality Over Quantity Is A Growth Strategy by Steven Goldstein—Amplifi Media
Slow Productivity by Cal Newport—Penguin Random House
Why our brains crave beauty, art and nature by Jemima Kelly—The Financial Times
Why southern Europeans will soon be the longest-lived people in the world—The Economist
What I’ve learnt from two decades eating in Paris by Simon Kuper—The Financial Times
Getting Good Sleep Could Add Years to Your Life—American College of Cardiology
Close friends can help you live longer but they can spread some bad habits too by Maggie Mertens—NPR
United we thrive: friendship and subsequent physical, behavioural and psychosocial health in older adults (an outcome-wide longitudinal approach) by E. S. Kim, W. J. Chopik, Y. Chen, R. Wilkinson and T. J. VanderWeele—Cambridge University Press
Why I’ve hung up my wellies and given up the country cottage by Tom Hodgkinson—The Financial Times
An Emersonian Guide to Taking Control of Your Life by Arthur C. Brooks—The Atlantic
Why you should never retire—The Economist
It’s not so ‘terribly strange to be 70’ by Anne Lamott—The Washington Post
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Don't Lose Access to Your Cash: Comparing Banks, Neobanks, and Fintech Platforms for Cash Savings
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 TechnologiesWhat are FBO accounts, and why they are so troublesomeWhat is the difference between a traditional bank, a neo bank, and a non-bankWhat to look for and protect yourself when investing your cash savings
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Show Notes
CHAPTER 11 TRUSTEE’S INITIAL STATUS REPORT BY UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA SAN FERNANDO VALLEY DIVISION—CourtListener
Fintech platform Synapse raises $33M to build ‘the AWS of banking’ by TechCrunch—Synapse
X Post by Jason Mikula—X
"Full Reconciliation... May Not Be Possible," Synapse Trustee Says by Jason Mikula—Fintech Business Weekly
Mercury Seeking $30M From Synapse, Emergency Court Filing Reveals by Jason Mikula—Fintech Business Weekly
Infighting among fintech players has caused TabaPay to ‘pull out’ from buying bankrupt Synapse by Mary Ann Azevedo—TechCrunch
Fintech startup Copper forced to discontinue banking services amid Synapse fiasco by Taylor Soper—GeekWire
a16z-backed Tellus wants to offer consumers a much better savings rate. Here’s how. by Mary Ann Azevedo—TechCrunch
FDIC Demands Three Companies Cease Making False or Misleading Representations about Deposit Insurance—FDIC
Related Episodes
440: Beware of Platform Risk
424: Are More Bank Runs Coming? The Collapse of Silicon Valley Bank
412: Where to Invest Your Cash Savings for Higher Yields
304: A 15% Guaranteed Return? Lending on the Fringes of Finance
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Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity
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 endeavorsHow power laws and the 80/20 rule workWhy we shouldn't beat ourselves up if we aren't incredibly successfulWhen should we reduce positive skewness and when should we embrace it
Sponsors
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Show Notes
Long-Term Shareholder Returns: Evidence from 64,000 Global Stocks by Hendrik Bessembinder, Te-Feng Chen, Goeun Choi, K.C. John Wei—SSRN
Long-Horizon Stock Returns Are Positively Skewed by Adam Farago and Erik Hjalmarsson—SSRN
Wealth Creation in the U.S. Public Stock Markets 1926 to 2019 by Hendrik Bessembinder—SSRN
The Coffee Can portfolio by Robert G. Kirby—csinvesting
Active vs Passive Investing U.S. Barometer Report—Morningstar
Table 7. Survival of private sector establishments by opening year—U.S. Bureau of Labor Statistics
How Many Podcasts Are There? (New 2024 Data) by Josh Howarth—Exploding Topics
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Customer Reviews
Some good insights sprinkled with anecdotes
All in all this podcast is fun to listen to. It is obvious J is passionate and knowledgable, but totally unpretentious.
However, he sometimes strays away from the main theme of the podcast and talks about unrelated issues, which in my opinion should be minimized. He sometimes mentions complex ideas and concepts, but many times doesn't bother explaining them. This makes following the main ideas of the podcast sometimes challenging.