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
    • 4.5, 985 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

    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
    The Stock Market Is Not the Economy

    The Stock Market Is Not the Economy

    How the stock market differs from and can perform differently than the economy while remaining highly dependent on the economy for its success.

    Topics covered include:Why the stock markets in countries with lower economic growth performed better than the stock markets in countries with higher economic growth.How the top 5 stocks in the S&P 500 Index have the largest weighting in 30 years and what will it takes for these stocks to outperform the market.What are the largest contributors to U.S economic growth, most of which are not publicly traded.How the U.S. government and the Federal Reserve saved the stock market.How have stocks performed during economic recessions.Why it is risky for investors to be dependent on the financial prospects of the largest technology stocks.


    Thanks to Grammarly and Policygenius for sponsoring the episode.

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

    • 27 min
    How to Protect Your Savings

    How to Protect Your Savings

    How to protect your savings from monetary threats like devaluation. Why high yield savings accounts exist, and are they worth it.

    Topics covered include:Why Lebanon defaulted on its national debt and announced it will devalue its currency by 57%.Why some depositors in Lebanon will probably lose some of their bank savings.What investors can do to protect themselves from currency devaluations.What are stablecoins and why are they useful.Why some online banks pay above-average interest rates on savings accounts.Why banks need to attract new deposits even though they create deposits when they make a loan.


    Thanks to Mint Mobile and Policygenius for sponsoring the episode.

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

    • 27 min
    Why Negative Prices Exist and What They Can Teach Us

    Why Negative Prices Exist and What They Can Teach Us

    Why the oil price fell below zero and what are other examples of negative prices. What lessons can we learn from negative prices.

    Topics covered include:How oil futures work and why the oil future prices fell below zero for the first time ever.Why has the United States Oil ETF (USO) lost so much money.How ETF authorized participants create new shares only so they can be shorted.How storage problems for oil and electricity can lead to negative prices.How negative interest rates are another form of negative prices.Why sellers will pay buyers to deliver a service to them.What financial lessons can we learn from negative prices.


    Thanks to LinkedIn Learning and The Investor's Podcast for sponsoring the episode.

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

    • 25 min
    Federal Reserve Insolvency and Monetizing the National Debt

    Federal Reserve Insolvency and Monetizing the National Debt

    How central banks can become insolvent and why it can lead to hyperinflation. What are four ways the Federal Reserve and the U.S. Treasury could monetize the national debt.

    Topics covered include:What are the major asset and liabilities of the Federal ReserveHow does the Federal Reserve make a profit and what happens if it suffers a loss.How has the Federal Reserve has significantly expanded the types of assets it will hold and what are the risks.What could cause the Federal Reserve and other central banks to become insolvent.What are the constraints central banks face.What are four ways the U.S. national debt could be monetized.How investors can protect themselves against central bank insolvency.


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

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

    • 26 min

Customer Reviews

4.5 out of 5
985 Ratings

985 Ratings

allendevans ,

Previously intellectual and interesting.

Update (5/2021):
Once an avid subscriber (see below), for me the podcast has lost much of its charm, so I deleted it from my Downcast app. David inartfully monetized the podcast several years ago, cut the poetic references and meandering tales which revealed insightful connections, and added perhaps 3-5 minutes of adverts per 30 minute podcast. Other recent reviewers seem to agree.

Original (approx 2015):
Apart from the reasonable advice, I most like the show's courteous tone and demeanor. No bellicose yelling, corny jokes, bells or whistles.

Just reasonable advice about everyday topics. If you like FREAKonomics or Radio Lab, you'll appreciate this podcast.

BeaverdogND ,

Great Show

I appreciate the deep dive into the inner workings of finance and the economy. Stuff you would never learn just reading the paper or watching CNBC.

MatthewPE ,

Solid

David is very bright and articulate. He has a good radio voice and seems very genuine. He is creative and has good variety to his shows. This being said, his content can be quite high level and difficult to understand. He has added far more advertisements during his show which is not fun to see, however, I can’t blame him for wanting to make money. He puts a lot of effort into his podcasts. They are more like a mini university class than an entertaining or casual listen like most podcasts. I wish he would make it a little simpler and easier to understand but that’s just me.

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