431 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

    How to Make Portfolio and Asset Allocation Changes

    How to Make Portfolio and Asset Allocation Changes

    We consider four case studies in which individuals struggle to decide what to do with their investment portfolios.

    Topics include:Why it's so difficult to reenter the stock market after sitting on the sidelines and what to do insteadWhat are the risks of having a too aggressive portfolio allocation in retirement and what to do insteadWhat to do when an investment strategy has worked really well but you feel it is time to make a changeHow to decide on an appropriate portfolio mix after a significant financial change


    You can learn more about Money for the Rest of Us Plus here.

    For more information on this episode click here.




    Related Episodes

    306: Three Approaches to Asset Allocation

    401: Why Diversifying Your Portfolio Feels Awful




    Show Notes

    Case studies were pulled from the following Plus episodes:

    287 Plus: Coronavirus Update, Mid Month Investment Conditions and Overcoming the Fear of Investing

    306 Plus: Member Profile, Bond Investing, and Emerging Technology

    310 Plus: Mid Month Update and a Member Wants to Reallocate from Growth Stocks

    331 Plus: Member Profile, Tail Risk Protection, Rental Real Estate as Bond Substitute, and YYY ETF

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    • 31 min
    Bond Investing Master Class - How to Invest in Fixed Income

    Bond Investing Master Class - How to Invest in Fixed Income

    What you need to know to confidently invest in bonds.

    Topics covered include:Key components of bond investing include face value, coupon rates, yield-to-maturity, duration, and convexityHow to decide between owning longer-term or short-term bondsHow to decide whether to own individual bonds or bond funds and ETFsWhen to use active bond management versus bond indexingHow bullet bond ETFs work and when to use themHow to know when to invest in municipal bonds and corporate bondsWhen should you own foreign bondsShould you own bonds in taxable or tax-deferred accountsA bond case study based on current interest rates


    For more information on this episode click here.

    Sponsors

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    Show Notes

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

    Investments Mentioned

    iShares 20+ Year Treasury Bond ETF (TLT)

    Vanguard Short-Term Treasury ETF (VGSH)

    iShares® iBonds® Dec 2025 Term Treasury ETF (IBTF)

    iShares® iBonds® Dec 2025 Term Corporate ETF (IBDQ)

    Vanguard Total Bond Market Index Fund ETF (BND)

    Doubleline Total Return Bond Fund (DBLTX)

    Related Episodes

    337: Why in the World Would You Own Bonds?

    378 Plus: A Frustrating Time To Invest and Did Bulletshares Underperform?




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    • 37 min
    Will Generative AI Like ChatGPT Replace Your Job?

    Will Generative AI Like ChatGPT Replace Your Job?

    How sophisticated AI apps from OpenAI and other companies create articles, art, and other works that have never existed. How generative AI will impact business owners, employees, students, and financial markets.

    Topics include:How AI is creating personal finance articles and other creative worksChatGPT's attempt at writing a script for the Money For the Rest of Us podcastHow ChatGPT and other large language models workWhat are the risks and flaws of generative AIHow can we adapt and take advantage of generative AI


    For more information on this episode click here.

    Sponsors

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    NetSuite - the leading integrated cloud business software suite

    Show Notes

    We Are Here To Create: A Conversation with Kai-Fu Lee—Edge

    CNET Is Quietly Publishing Entire Articles Generated by AI by Frank Landymore—Futurism

    CNET Money—CNET

    Should You Break a CD Early for a Better Rate by AI engine and edited by Jaclyn DeJohn—CNET

    NerdWallet, Inc. Q3 2022 Earnings Call—NerdWallet

    OpenAI

    The Backstory of ChatGPT Creator OpenAI by Berber Jin and Miles Kruppa—The Wall Street Journal

    GPT-3.5 + ChatGPT: An illustrated overview by Alan D. Thompson—Life Architect

    AI-generate answers temporarily banned on coding Q&A site Stack Overflow by James Vincent—The Verge

    Alarmed by A.I. Chatbots, Universities Start Revamping How They Teach by Kalley Huang—The New York Times

    A Coming-Out Part for Generative A.I., Silicon Valley's New Craze by Kevin Roose—The New York Times




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    • 25 min
    Your Nation's National Debt: 5 Things You Need to Know

    Your Nation's National Debt: 5 Things You Need to Know

    We analyze the worrisome national debt situation in the U.S., UK, and Japan and consider what will determine the likelihood of default

    Topics covered include:How big is the national debt in the U.S., UK, and JapanWhy Japan and UK interest rates have increasedWhen do federal government debts jump the mostWhat two numbers are key to whether a level of national debt is sustainableWhat are five ways indebted countries have reduced the relative size of their debtWhy quantitative easing is not a solution to a national debt crisis


    For more information on this episode click here.

    Sponsors

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    Show Notes

    Debt to the Penny—U.S. Treasury Fiscal Data

    Federal Debt and the Debt Limit in 2022—Congressional Research Service

    Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis—London School of Economics and Political Science

    UK government debt and deficit: June 2022—Office for National Statistics

    Japan's Experience with Yield Curve Control by Matthew Higgins and Thomas Klitgaard—Liberty Street Economics

    What is the national debt?—U.S. Treasury Fiscal Data

    Major Foreign Holder of Treasury Securities—Treasury International Capital System, U.S. Treasury

    The Liquidation of Government Debt by Carmen M. Reinhart and M. Belen Sbrancia—International Monetary Fund




    Related Episodes

    295: Federal Reserve Insolvency and Monetizing the National Debt

    338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?

    360: Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt

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    • 28 min
    Listener Q&A

    Listener Q&A

    We kick off 2023 by answering your questions on making portfolio changes, risk tolerance, the strong dollar, inflation and retirement, influential books, and other topics.

    For more information on this episode click here.

    Episode Sponsors

    Thanks to LinkedIn for sponsoring the episode. Use this link to post your job for free on LinkedIn Jobs.

    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    • 46 min
    Use Caution With Private REITs Like Blackstone’s BREIT - Is Now a Good Time to Invest in REITs?

    Use Caution With Private REITs Like Blackstone’s BREIT - Is Now a Good Time to Invest in REITs?

    How public equity REITs differ from private REITs. Why investors are selling out of private REITs and why private REIT sponsors like Blackstone and Starwood are limiting investors' ability to do so.

    Topics covered include:What are public and private real estate investment trustsWhy has Blackstone's BREIT been such a successWhy investors are trying to exit private REITsWhy commercial property values are fallingIs now a good time to invest in public and private REITs?


    For more information on this episode click here.

    Sponsors

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    Show Notes

    How the gates closed on Blackstone’s runaway real estate vehicle by Antoine Gara, Sujeet Indap, and Kaye Wiggins—Financial Times

    Investors Yank Money From Commercial-Property Funds, Pressuring Real-Estate Values by Konrad Putzier and Peter Grant—The Wall Street Journal

    How the gates closed on Blackstone’s runaway real estate vehicle by Antoine Gara, Sujeet Indap, and Kaye Wiggins—Financial Times

    Investors Yank Money From Commercial-Property Funds, Pressuring Real-Estate Values by Konrad Putzier and Peter Grant—The Wall Street Journal

    Property Insights: Roller Coaster by Michael Knott—Green Street

    Rising Interest Rates Threaten to Expose Office Buildings’ Inflated Values by Konrad Putzier—The Wall Street Journal

    Why Blackstone’s $69 Billion Property Fund Is Signaling Pain Ahead for Real Estate Industry by John Gittelsohn and Patrick Clark—Bloomberg

    Blackstone’s $70 Billion Real Estate Fund for Retail Investors Is Losing Steam by Dawn Lim and John Gittelsohn—Bloomberg

    Related Episodes

    183: How To Invest In Commercial Real Estate

    230: Use Caution With Real Estate Crowdfunding

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    • 26 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.

Mikxy007 ,

Great podcast

A lot of useful information for individual investors! Love this podcast.

The Auge ,

Was great. Now, not so much.

LOVED this podcast. Recently, it hasn’t seemed as substantive & has not captured my attention. I understand the desire to want your children involved, but the Camden episodes are painful to listen to. You are the expert; he is not.

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