424 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 Money For the Rest of Us

    • Business
    • 4.5 • 1.2K 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

    Where to Invest Your Cash Savings for Higher Yields

    Where to Invest Your Cash Savings for Higher Yields

    What are the best options for safely investing cash.

    Topics covered include:High-yield savings accountsCertificates of DepositsGovernment BondsMoney Market Mutual FundsWhen should you invest in long-term bondsWhy some savings apps try to look like banks but they are notWhat happens when central banks lose moneyWhere not to deposit cash for safety


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    • 26 min
    Is Emerging and Frontier Markets Investing Still Worth It? - with Asha Mehta

    Is Emerging and Frontier Markets Investing Still Worth It? - with Asha Mehta

    Camden and David converse with Asha Mehta, Managing Partner & CIO at Global Delta Capital about the bullish case for emerging and frontier market stocks as well as the risks.

    Topics covered include:How to go about investing in emerging marketsShould you invest in ChinaWhere are the most promising emerging and frontier marketsWhy aggregate emerging markets earnings have been lacklusterHow to balance quantitative analysis with subjective reasoning


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    Show Notes

    Power of Capital by Asha Mehta

    Global Delta Capital

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    • 44 min
    Is Cryptocurrency Dead? Will the FTX Fallout Kill Crypto?

    Is Cryptocurrency Dead? Will the FTX Fallout Kill Crypto?

    How the bankruptcy of FTX, the world's third-largest crypto exchange, undermines trust in cryptocurrency and decentralized finance, making it even more difficult for crypto to ever be taken seriously as a monetary alternative.

    Topics covered include:How FTX squandered its customers' depositsHow FTX is another example of a private money bank runHow traditional securities lending works and why it is very low risk compared to the highly speculative nature of cryptocurrency lending platformsHow FTX's demise is impacting numerous entities including Voyager, BlockFi, Bitcoin miners, venture capitalists, and many othersHow should individual investors store cryptocurrency, and does it even make sense to continue to own it


    For more information on this episode click here.

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    Show Notes

    Don't Miss Out on Crypto: Larry David FTX Commercial

    The spectacular implosion of crypto’s biggest star, explained by Emily Stewart—Vox

    Divisions in Sam Bankman-Fried’s Crypto Empire Blur on His Trading Titan Alameda’s Balance Sheet by Ian Allison—CoinDesk

    FTX held less than $1bn in liquid assets against $9bn in liabilities by Antoine Gara, Kadhim Shubber, and Joshua Oliver—Financial Times

    FTX balance sheet, revealed by FT Alphaville—Financial Times

    FTX Tapped Into Customer Accounts to Fund Risky Bets, Setting Up Its Downfall by Vicky Ge Huang, Alexander Osipovich, and Patricia Kowsmann—The Wall Street Journal

    After FTX: Rebuilding Trust in Crypto’s Founding Mission by Noelle Acheson—CoinDesk

    How Sam Bankman-Fried’s Crypto Empire Collapsed by David Yaffe-Bellany—The New York Times

    Exclusive: At least $1 billion of client funds missing at failed crypto firm FTX by Angus Berwick—Reuters

    Investors Who Put $2 Billion Into FTX Face Scrutiny, Too by Erin Griffith and David Yaffe-Bellany—The New York Times

    FTX signs deal with option to buy BlockFi for up to $240 mln by Niket Nishant and Aditya Soni—Reuters

    Voyager Digital and Voyager Official Committee of Unsecured Creditors Provide Update on Reorganization Plan—Cision

    Crypto lender BlockFi says it has significant exposure to FTX by Manya Saini and Shailesh Kuber—Reuters

    Coinbase Quarterly Earnings

    Related Episodes

    393: What Happens If Your Brokerage Firm Goes Bankrupt




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    • 22 min
    What Is the IMF and Why Is It Controversial?

    What Is the IMF and Why Is It Controversial?

    How the International Monetary Fund, the world's economic firefighter, works for global monetary cooperation and prosperity while using its own made-up currency, the SDR.

    Topics covered include:What was the Bretton Woods monetary system that led to the formation of the IMF and the World BankHow the World Bank and IMF differWhat does the IMF doHow the IMF creates its own money out of thin airWhy does Argentina, the IMF's largest borrower, keep defaulting on its debt obligation including those to the IMFWhy the IMFs negotiating tactics are controversial


    For more information on this episode click here.

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    Show Notes

    Creation of the Bretton Woods System, July 1944—Federal Reserve History

    The World Bank

    International Monetary Fund

    Sterling devalued and the IMF loan—Cabinet Papers, The National Archive

    Total IMF Credit Outstanding, Movement From November 01, 2022 to November 07, 2022—IMF

    Why you can’t technically default on the IMF by Izabella Kaminska—Financial Times

    Implications of the IMF's SDR Allocation for Australia and the Global Economy by Ben Hollebon and Kate Hickie—Reserve Bank of Australia

    The IMF cannot solve Argentina’s dysfunction—The Economist

    IMF Executive Board Completes Second Review of the Extended Arrangement Under the Extended Fund Facility for Argentina—IMF

    The IMF: The World’s Controversial Financial Firefighter—by Jonathan Masters, Andrew Chatzky, and Anshu Siripurapu—Council on Foreign Relations

    Related Episodes

    233: Is An Emerging Markets Crisis Imminent?

    322: Why Currency Exchange Rates Matter?

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    • 26 min
    Is Success Due to Hard Work, Talent, or Luck?

    Is Success Due to Hard Work, Talent, or Luck?

    How to survive in a world where luck and randomness play a pivotal role.

    Topics covered include:What are power lawsWhat are the narrative fallacy and hindsight biasWhat are examples of domains where randomness has contributed to successWhat are ways to distinguish investing skill from luckHow sixth-century philosopher Boethius had an accurate view of chanceWhat are ways we can benefit from good luck while protecting ourselves from bad luck


    For more information on this episode click here.

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    Show Notes

    Redacted messages to and from Elon Musk—Delaware’s Court of Chancery

    Elon Musk’s Texts Shatter the Myth of the Tech Genius by Charlie Warzel—The Atlantic

    Talent Versus Luck: The Role of Randomness In Success and Failure by Alessandro Pluchino, Alessio Emanuele Biondo, and Andrea Rapisarda

    Susan Alexandra

    Welcome to Susan Alexandra’s Dream World by Sophia Herring—Clever, Architectural Digest

    The Fashion Set Can’t Get Enough of Susan Alexandra’s Colorful, Kitschy Designs by Noah Lehava—Coveteur

    Quantifying the evolution of individual scientific impact by Roberta Sinatra et al.

    What's in a Surname? The Effects of Surname Initials on Academic Success by Liran Einav and Leeat Yariv

    Middle names make you look smarter—University of Southhampton

    Admission to Selective Schools, Alphabetically by Štěpán Jurajda and Daniel Münich

    It Pays to Be Herr Kaiser: Germans With Noble-Sounding Surnames More Often Work as Managers Than as Employees by Raphael Silberzahn and Eric Luis Uhlmann

    The relative-age effect and career success: Evidence from corporate CEOs by Qianqian Du, Huasheng Gao, Maurice D. Levi

    The Black Swan: The Impact of the Highly Improbable by Nassim Nicholas Taleb

    Were Those Great Returns the Result of Skill — or Just Luck? by Julie Segal—Institutional Investor

    Related Episodes

    323: The Economy Is Not A Machine

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    • 25 min
    Worry-Free Retirement Investing

    Worry-Free Retirement Investing

    How to use laddered inflation-indexed bonds (i.e., TIPS), CDs, fixed annuities, and fixed index annuities to meet retirement living expenses while worrying less about running out of money.

    Topics covered include:How individuals can use liability-driven investment strategiesWhy now is the best opportunity to buy Treasury Inflation Protection Securities in 15 yearsHow to use bond laddersHow deferred fixed and deferred variable annuities workHow to analyze fixed index annuities


    For more information on this episode click here.

    Show Notes

    Worry-Free Investing by Zvi Bodie and Michael J. Clowes

    Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed—FRED

    Market Yield on U.S. Treasury Securities at 5-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed—FRED

    New 5-year TIPS auctions with a real yield of 1.732%, highest in 15 years—TIPSwatch

    Complete List of Multi-Year Guaranteed Annuities (MYGAs), October 26, 2022—ImmediateAnnuities.com

    Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade Pfau

    A Complete Guide to Investing in TIPS and I Bonds—Money for the Rest of Us

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    Related Episodes

    279: Why All Retirees Should Consider an Income Annuity

    326: The New Math of Retirement Spending and Investing

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    • 24 min

Customer Reviews

4.5 out of 5
1.2K Ratings

1.2K Ratings

Jong12/2 ,

Blowing my mind!

I’m shocked by how little I knew about macro economics and loving this show. The author makes the content easy to understand, relatable and enjoyable to listen to. If you have an interest in macro economics or finance this is an excellent podcast!

One thing to add, which is a negative, is the authors investing advice. Specifically when he talks about different strategies. Although I believe it’s really important to have strong knowledge of financials and the markets etc. The only market strategy that the average person SHOULD employ is buy and hold a diversified portfolio. That’s it. The author doesn’t seem to do it and I venture to guess his annualized returns over the very long term will jot beat the market index. Or if it does will do so by so little that it doesn’t matter and any single mistake can derail it. My advice would be to listen to macro economics and financial insight but do not change your investment strategy.

JSA0621 ,

Very thoughtful and informative

David’s delivery of complex topics is a refreshing listen. Always an informative session with each Podcast. Signed up for the newsletter and look forward to each one.

Lululizardman ,

Great Talks!

Thank you. Tiny home with lots of windows here I come!

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