Money For the Rest of Us

J. David Stein
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Money For the Rest of Us Podcast

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

  1. 6 DAYS AGO

    When to Sell Equity or Borrow: A Guide for Homeowners, Students, and Artists

    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 mortgageWhat is the cost of home equity investmentsHow funding education through income share agreements has changedWhy artists sell royalties to their workHow individuals can invest in music royalties Sponsors NetSuite  Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Unlock Product Guide—Unlock Point and Atalaya Capital Management Close Oversubscribed $141 Million Home Equity Investment Rated Securitization—Global Newswire What Colleges Should Know About Income Share Agreements and Private Education Loan Requirements by Rich Williams—Homeroom CFPB settles claims against operator of training program arising out of income share agreements by John L. Culhane, Jr. & Thomas Burke—Consumer Finance Monitor Bond market: Bowie Bonds and the Evolution of the Bond Market—Faster Capital Related Episodes 493: The Housing Affordability Crisis: What Caused It and How to Fix It 349: Forward and Reverse Mortgages: When To Take Them Out and When to Pay Them Off 307: Income Share Agreements—Good for Students or Investors? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    24 min

  2. 11 SEPT

    The Housing Affordability Crisis: What Caused It and How to Fix It

    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 housingHow the housing collapse as part of the Great Financial Crisis contributed to today's affordability crisisHow central bank QE programs have magnified the housing crisisHow restrictive zoning and short-term rentals contribute to the housing crisisWhat governments are doing to encourage more housing supplyWhat individuals can do until housing becomes more affordable Sponsors Delete Me – Use code David20 to get 20% off LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Concern over housing costs hits record high across rich nations by Valentina Romei and Sam Fleming—The Financial Times Home Price to Median Household Income Ratio (US)—Longtermtrends Home Ownership Affordability Monitor—Federal Reserve Bank of Atlanta AMERICA'S RENTAL HOUSING 2024—Joint Center for Housing Studies of Harvard University America retains “rent burdened” status—Moody's U.S. 2024 and 2025 Mid-Year Outlook Report—AirDNA ARIZONA’S NEW HOUSING LAWS EXPLAINED—Tempe YIMBY What Kalamazoo (Yes, Kalamazoo) Reveals About the Nation’s Housing Crisis by Conor Dougherty—The New York Times How Rent Controls Are Deepening the Dutch Housing Crisis by Cagan Koc and Sarah Jacob—Bloomberg Related Episodes 389: Is Airbnb Intensifying the Housing Crisis? 357: Is a Housing Crash Coming? 238: The U.S. Is More Socialist Than Denmark Regarding Home Mortgages See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    24 min

  3. 4 SEPT

    The Power of Optionality: Small Bets, Big Payoffs

    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 workThe difference between American and European style options and why it mattersWhy options are positively skewedExamples of using optionality in business and lifeWhy it can be challenging to commit when an option is "in the money" Sponsors Shopify - Sign up for a $1 per month trial period NetSuite - Download the CFO’s Guide to AI and Machine Learning Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Antifragile by Nassim Nicholas Taleb—Penguin Random House The Wisdom Of Finance: Discovering Humanity in the World of Risk and Return by Mihir Desai—Harper Academic Refuse to Choose!: Use All of Your Interests, Passions, and Hobbies to Create the Life and Career of Your Dreams—Penguin Random House An Economist Walks into a Brothel: And Other Unexpected Places to Understand Risk by Allison Schrager—Penguin Random House Related Episodes 482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity 268: How To Better Manage Risk See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    23 min

  4. 28 AUG

    The Five Layers of Investing - Which Layers Is Your Portfolio Allocated?

    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 trading2. Longer-term speculations3. Individual securities4. Diversified portfolios focused on underlying drivers and factors5. Maximum diversification with few changes and just a few holdings Episode Sponsors Monarch Money – Get an extended 30-day free trial LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Show Notes Asset Camp The Role of Emotions in Financial Decisions by David Tuckett—ResearchGate Morningstar Active Passive Barometer Related Episodes 486: How Retail Traders Lose Big While Enriching Wall Street 431: The Long-term Bullish Case for Gold 306: Three Approaches to Asset Allocation See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    31 min

  5. 21 AUG

    Should You Invest in Private Equity?

    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 feesHow is private equity performance measured, and how has it performedWhy does private equity have such a large dispersion of returns compared to the public stock marketWhat is private equity dry powder, and why is there much of itWhat are some ways individuals can invest in private equity and why should they use caution in doing so Sponsors LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs NetSuite  Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Understanding Private Fund Performance by Kaitlin Hendrix and Mamdouh Medhat—SSRN What Drives Private-Equity Performance Persistence? New Deal-Level Evidence by Axel Buchner and Susanne Espenlaub and Abdul Mohamed—SSRN Unlocking the Power of Relationships: Limited Partner Networks and Performance in Private Equity by José Carlos Franco de Abreu Neto and Saito Richard—SSRN Private equity dry powder growth accelerated in H1 2024 by Dylan Thomas and Annie Sabater—S&P Global Private Equity Gets Creative to Buy Time for More Gains. Clients Say Pay Me Now by Allison McNeely and Dawn Lim—Bloomberg Related Episodes 458: Dissecting Stock Returns: Financial Engineering or Genuine Growth? 440: Beware of Platform Risk 350: How to Invest in Startups on Equity Crowdfunding Platforms? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    28 min

  6. 14 AUG

    Making Better Investment and Life Decisions - Episode 203 Remastered

    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 what role do they play in better decision making. Sponsors Delete Me – Use code David20 to get 20% off Betterment - the automated investing and savings app Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Thinking in Bets: Making Smarter Decisions When You Don’t Have All the Facts by Annie Duke Thinking Fast and Slow by Daniel Kahneman The Tao of Pooh by Benjamin Hoff Trying Not to Try: Ancient China, Modern Science, and the Power of Spontaneity by Edward Slingerland See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    24 min

  7. 7 AUG

    Why the Market Has Sold Off and What Should You Do

    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 monthlyHow bad was the recent U.S. employment report and what is the Sahm RuleWhat are leading economic indicators saying about recession riskWhy the Federal Reserve will be lowering its policy rate, leading to lower cash yieldsWhy the Japanese yen strengthened, leading to market turmoilWhy investors are rotating from large cap growth to small cap value stocksHow David locked in higher yields Sponsors NetSuite Monarch Money – Get an extended 30-day free trial Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Transcript of Chair Powell’s FOMC Press Conference July 31, 2024—The Federal Reserve Goolsbee Says Fed Won’t Overreact to One Month’s Data by Catarina Saraiva and Ananya Chag—Bloomberg Congressional Budget Office Updates Baseline: Deficit Spending is 27 Percent Higher Than Previously Estimated—U.S. House Budget Committee Investments Mentioned Vanguard Growth ETF (VUG) Vanguard Small Cap Value (VBR) iShares International Developed Small Cap Value Factor ETF (ISVL) Invesco BulletShares 2031 Corporate Bond ETF (BSCV) iShares Large Cap Max Buffer ETF (MAXJ) BlackRock AAA CLO ETF (CLOA) Related Episodes 485: Should You Invest in Defined Outcome (Buffer) ETFs? 476: Is Small Cap Dead? Why You Shouldn’t Abandon Small Company Stocks 472: Is the Economy as Bad as People Think? 464: More Ways to Lock in Higher Yields in Case Interest Rates Fall 463: How to Lock in Higher Yields in Case Interest Rates Fall 423: A “Safe” 6% Yield: The Case for Investment Grade CLOs 302: Investing is Not Knowing See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    28 min

  8. 31 JUL

    Should You Invest in an Ethereum ETF?

    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 feesHow Ethereum differs from BitcoinExamples of applications built on the Ethereum blockchain including NFTs, stablecoins, DAOs, and tokenized real-world assetsHow Ethereum has evolved to lower fees, reduce supply, cut its energy use, and increase capacityWhat is Ethereum staking and how much can investors earn doing soWhat will cause ether to go up in price Sponsors Shopify  NetSuite Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Spot Ethereum ETFs begin trading today: Here's what you need to know by Jason Shubnell—The Block The spot Ethereum ETFs' first week by the numbers by James Hunt—The Block The Idols NFT—theidols.io Read Write Own by Chris Dixon—readwriteown.com Ethereum is the Only Institution-Friendly Smart Contract Chain by Qiao Wang—Medium EthereumETH Staking—Coinbase 5 Ways to Stake Your Crypto Assets—Staking Rewards Ethereum's Dencun Upgrade: Unleashing Scalability and Efficiency—bitpay Solana vs. Ethereum: Which Is Better in 2024? —KuCoin Related Episodes 462: Now Should You Buy a Bitcoin ETF? 373: Are Stablecoins Safe? Should You Own Them? 368: How to Invest in Web3, DAOs, and the Metaverse 339: How To Make Money with BlockFi, Dai, and the Evolving DeFi Ecosystem 335: Are Non-Fungible Tokens (NFTs) Good Investments? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    28 min
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Hosts & Guests

About

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

Information

  • Creator
    J. David Stein
  • Years Active
    2014 - 2024
  • Episodes
    509
  • Rating
    Clean
  • Copyright
    © All rights reserved
  • Show Website
    Money For the Rest of Us

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