380 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

    • 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

    Find Your Retirement Investing and Living Style

    Find Your Retirement Investing and Living Style

    What are the pros and cons of the four approaches to managing retirement savings. How to implement a bucketing or time segmentation retirement investing approach.

    Topics covered include:Why it takes time to find a retirement pattern that fitsHow retirement investing is a balance between safety-first and probability-based as well as maintaining optionality and committing.How total return investing differs from a safety-first approachWhat are products allow for a risk floor but also provide some potential growthHow a time segmentation or bucket approach to retirement investing works


    Thanks to Policygenius and Masterworks for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success (The Retirement Researcher Guide Series) by Wade Pfau

    A Model Approach to Selecting a Personalized Retirement Income Strategy by Alejandro Murguia and Wade D. Pfau

    The Four Approaches to Managing Retirement Income Risk by Wade D. Pfau

    Build Ladders With iBonds® ETFs—iShares

    Related Episodes

    279: Why All Retirees Should Consider an Income Annuity

    306: Three Approaches to Asset Allocation

    326: The New Math of Retirement Spending and Investing













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    • 26 min
    Should You Invest In Small and Mid Cap Stocks? Is Now the Time?

    Should You Invest In Small and Mid Cap Stocks? Is Now the Time?

    Small and mid-cap stocks have underperformed large-cap stocks for over a decade. Is now the time to increase your allocation?

    Topics covered include:How big are small and mid-cap stocksHow have small and mid-cap stocks performed relative to large-cap stocksHow have active small and mid-cap managers performed relative to indexing optionsAre bigger IPOs contributing to small and mid-cap stocks underperformanceHow expensive or cheap are small-cap stocks relative to large-capWhat is the capital asset pricing model and how do academics use it to identify outperforming factorsHow value, momentum, and quality drive small-cap stock outperformanceHow to invest in small and mid-cap stocks


    Thanks to Policygenius for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    The Morningstar Active/Passive Barometer

    Initial Public Offerings: Updated Statistics January 5, 2022, by Jay R. Ritter—Warrington College of Business, University of Florida

    The Nexus of Anomalies-Stock Returns-Asset Pricing Models: The International Evidence by Rahul Roy and Shijin Santhakumar

    The Cross-Section of Stock Returns before 1926 (And Beyond) by Guido Baltussen, Bart van Vliet, and Pim van Vliet

    Factor Timing: Keep It Simple by Michael Aked—Research Affiliates







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    • 25 min
    Year-End 2021 Listener Q&A Episode

    Year-End 2021 Listener Q&A Episode

    We answer listener questions in our final episode of 2021.

    Topics covered include:Estimating financial market returns in the next thirty yearsInvesting in artWhether stocks will no longer existHow to start investingFidelity's new Bitcoin ETFHow mutual funds are pricedHow to teach family members about investingVolatility versus drawdownsHow to face the uncertainty of crashing stocks, rising interest rates, and numerous other economic and financial threatsDavid's four most recent investments he made in his personal portfolio


    Thanks to Policygenius and OurCrowd for sponsoring the episode.

    For more information on this episode click here.

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    • 35 min
    How To Invest in Web3, DAOs and the Metaverse

    How To Invest in Web3, DAOs and the Metaverse

    What is Web 3.0 and how will it transform the world? How you can invest your time and money in decentralized autonomous organizations and other Web3 projects.

    Topics covered include:What are Web 1.0, Web 2.0, and Web 3.0 and how do they differWhat are decentralized autonomous organizations (DAOs)How DAOs operate and what are some examplesHow to register one's Web 3.0 user nameHow the Ethereum network, a major part of Web3, is changingHow to participate and invest in DAOs and other Web3 projects


    Thanks to LinkedIn and Commonstock for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    Decentralized autonomous organizations (DAOs)—Ethereum

    State of the DAOs #0 | Oct 6th, 2021 by BanklessDAO Writers Guild—BanklessDAO

    Decentralized Autonomous Organizations;The New Coordination Frontier by Calvinme—Medium

    Organization Legos: The State of DAO Tooling by Nichanan Kesonpat—Medium

    OpenOrgs.info

    Snapshot

    DeepDAO

    ENS

    Uniswap Protocol

    Gas and Fees—Ethereum

    Ultra Sound Money

    Proof of Stake (PoS)—Ethereum

    What Is the Metaverse, Exactly? by Eric Ravenscraft—Wired

    Chris Dixon and Naval Ravikant — The Wonders of Web3, How to Pick the Right Hill to Climb, Finding the Right Amount of Crypto Regulation, Friends with Benefits, and the Untapped Potential of NFTs (#542)—The Tim Ferris Show

    Related Episodes

    339: How To Make Money with BlockFi, Dai and the Evolving DeFi Ecosystem

    NFTs—Money For the Rest of Us Topic Index

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    • 24 min
    What Investment Strategies Do Best During High Inflation Periods?

    What Investment Strategies Do Best During High Inflation Periods?

    How different asset classes and investment strategies have performed during periods of unexpectedly high inflation. While trend and momentum strategies have performed the best, what are some of the challenges with implementing those strategies.

    Topics covered include:What has led to today's high inflation environment and why it is uniqueHow current demographic and technology trends are disinflationaryHow many inflationary regimes have there been in the pastHow stocks, residential housing, commodities, collectibles performed during high inflation environments.How trend following and momentum have been the best performing strategy during high inflation environments.Which trend following and momentum approaches have worked best for individual investors.How managed futures strategies work


    Thanks to OurCrowd and Egnyte for sponsoring the episode. Here is more information on Money For the Rest of Us Plus.

    For more information on this episode click here.

    Show Notes

    US Budget Deficit Hits $2.77 Trillion in 2021, 2nd Highest by Associated Press—U.S. News & World Report

    India says nationwide birthrates drop below key ‘replacement rate’ by Gerry Shih—The Washington Post

    The Best Strategies for Inflationary Times by Henry Neville Et al.

    Trend Following: Equity and Bond Crisis Alpha by Carl Hamill, Sandy Rattray, and Otto Van Hemert

    AQR hedge fund suffers $10bn in outflows by Laurence Fletcher—Financial Times

    Is There a Replication Crisis in Finance? Theis Ingerslev Jensen, Bryan T. Kelly, and Lasse Heje Pedersen

    Related Episodes

    266: Using Momentum Investing and Trend Following

    342: Is Another Great Inflation Coming?

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    • 27 min
    Is There a Global Energy Crisis?

    Is There a Global Energy Crisis?

    With oil, natural gas, coal, and gasoline at the highest prices in eight years, we consider if there is an energy crisis due to an over-reliance on renewable energy sources.

    Topics covered include:How high have prices risen for oil, gasoline, natural gas, and coalWhy rising energy prices is a multifaceted problem as illustrated by coalHow the global energy mix has changed for power productionWhy investment capital is flowing to renewable energy projects rather than fossil fuel projectsWhy a clean energy transition leads to more volatile fossil fuel pricesHow higher oil prices lead to greater adoption of electric vehiclesHow renewable energy combined with battery technology will create lead to energy on-demand solutionsThanks to Egnyte and Policygenius for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    US coal prices jump to highest level since 2009 by Myles McCormick—Financial Times

    China’s Energy Crisis Complicates Its Plans for Climate Announcements Ahead of COP26 by Sha Hua and Keith Zhai—The Wall Street Journal

    China’s Coal War With Australia Fuels Shortage at Home by Chuin-Wei Yap—The Wall Street Journal

    China’s Coal Shortage Threatens Farmers in India and Truckers in South Korea by Jiyoung Sohn in Seoul and Vibhuti Agarwal—The Wall Street Journal

    The Gregor Letter

    President Jimmy Carter - Report to the Nation on Energy (Video)

    Share of renewables, low-carbon sources and fossil fuels in power generation, World 1990-2019—IEA

    Oil 2021: Analysis and forecast to 2026—IEA

    Coal—IEA

    Statement on recent developments in natural gas and electricity markets—IEA

    Renewable energy firms warn of difficult conditions amid slow winds by Jasper Jolly—The Guardian

    Global EV sales rise 80% in 2021, as automakers including Ford, GM commit to zero emissions: BNEF by Robert Walton—Utility Dive

    Everyday Driver

    In 1900, Ladies’ Home Journal Publishes 28 Predictions for the Year 2000 by Josh Jones—Open Culture

    Here’s what’s in the infrastructure bill that Biden signed today By Emily Cochrane, Christopher Flavelle, and Alan Rappeport—The New York Times

    Battery Storage in the United States: An Update on Market Trends—U.S. Energy Information Administration

    Metals may become the new oil in net-zero emissions scenario by Lukas Boer, Andrea Pescatori, Martin Stuermer, Nico Valckx—Vox EU, CERP

    Related Episodes

    346: Should You Buy an Electric Car or Truck?

    What You Need to Know About Carbon Investing and its Effect on Climate Change

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    • 20 min

Customer Reviews

4.5 out of 5
1.2K Ratings

1.2K Ratings

King Malcolm X ,

So far it’s taught me a lot

So far I’ve learned much from every episode after 5 years in I heard his content falls back but what’s to be expected after 5 years there’s probably not much else to teach you I’ll continue to listen until I think I’m comfortable enough to go about it on my own

evry1suhcritic ,

Best of the best

David has a knack for blending wisdom of the ages with research on personal finance topics that are up-to-date in a convenient and digestible format built on the relatable substrate of his personal experiences. He elevates the mundane to profound in a non-formulaic journey, always fresh and timely, yet worthy of review because older episodes because he professes timeless lessons that apply to more areas of life than just money. Thank you David for each gem of knowledge you have given in all of your efforts!

Michael Yakson ,

Thank you David!

This podcast has given me so many things to think about. It has changed the way I see wealth and money to truly live without worrying about. I am young, and have learned and been introduced to so much by listening to the podcast. David is very principled which has helped me to pursue a career in finance differently than my fellow students. I often go back and re-listen to episodes that I recognize I have based my own principles from or simply want a refresher on the way something works. The podcast has so much utility and practical advice that David applies well to the current circumstances of the financial world. Many episodes have been great inspiration for my future and excellent influence on my perspectives.
Thank you David!

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