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

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

    Coins and Cash: Shortages, Hoardings, and Threats

    Coins and Cash: Shortages, Hoardings, and Threats

    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 early 1960s differs from today.How much profit does the U.S. Mint make producing coins even though it loses money minting both pennies and nickels.How often and under what circumstances do U.S. consumers pay with cash.Why the U.S. penny should be discontinued.Why companies and individuals are hoarding cash, mostly in one hundred dollar bills.Why the existence of one hundred dollar bills would impede the effectiveness of negative interest rates in the U.S.Why has the U.S. mint sold 300% more ounces of gold coins in 2020 compared to last year.


    Thanks to Chili and Policygenius for sponsoring the episode.

    • 22 min
    Income Share Agreements - Good For Students or Investors?

    Income Share Agreements - Good For Students or Investors?

    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 servitudeWhat are the components of an ISA contract.How adverse selection, differential pricing, moral hazard, and a lack of regulation pose challenges to income share agreements.What is an internal rate of return and why is it the best metric for estimating the return of investing in ISAs.How students should evaluate ISA's relative to loans.What are some pricing examples for specific ISAsWhat options exist for investing in ISAs.


    Thanks to LinkedIn Jobs and Trends.co for sponsoring the episode

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

    • 25 min
    Three Approaches to Asset Allocation

    Three Approaches to Asset Allocation

    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-based permanent portfolio.What are the pros and cons of a strategic portfolio mix, such as the Bogleheads Three Fund PortfolioWhat are the pros and cons of an adaptive asset garden portfolio.


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

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

    • 22 min
    Are Banks Safe?

    Are Banks Safe?

    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 are bank capital ratios and how are they calculated.How banks are more conservatively run due to the adoption of the Basel III regulatory framework.What are bank stress tests and how have they performed.Why the Federal Reserve just capped dividends for the largest U.S. banks.How many U.S. banks have failed during the pandemic crisis compared to the Great Financial Crisis.


    Thanks to Simplifi and Policygenius for sponsoring the episode.




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

    • 25 min
    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

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