472 episodes
Money For the Rest of Us Money For the Rest of Us
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4.5 • 1.3K Ratings
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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
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Dissecting Stock Returns: Financial Engineering or Genuine Growth?
Do the impressive returns in public and private markets stem from strategic financial engineering or reflect actual economic growth?How corporate profit growth is linked to economic growth, even though corporate profits are more volatileHow interest rates, tax rates, and stock buybacks influence corporate profits and stock returnsWhy there are fewer publicly traded stocksHow the increase in leveraged buyouts has impacted the economyHow private equity funds use financial engineering to boost returns
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Asset Camp
Money for the Rest of Us Plus
Show Notes
US CEOs start to contemplate Trump, round 2 by Rana Foroohar—The Financial Times
End of an Era: The Coming Long-Run Slowdown in Corporate Profit Growth and Stock Returns by Michael Smolyansky—The Federal Reserve
10-Year Stock Market Returns—Crestmont Research
Stock Average—Crestmont Research
Stock EPS Reality—Crestmont Research
What Matters More for Emerging Markets Investors: Economic Growth or EPS Growth? by Jason Hsu Jay Ritter Phillip Wool Yanxiang Zhao—Portfolio Management Research
Nominal Gross Domestic Product for United States—FRED Economic Data
The Secretive Industry Devouring the U.S. Economy by Rogé Karma—The Atlantic
Key Drivers Behind Widespread Adoption Of NAV Financing by Matthew K Kerfoot—Proskauer
The Inevitable Rise of NAV Financing by Patricia Teixeira and Anastasia Kaup—Ropes & Gray
HAVE EXCHANGE-LISTED FIRMS BECOME LESS IMPORTANT FOR THE ECONOMY? by Frederik P. Schlingemann and René M. Stulz—NBER
LBOs Make (More) Companies Go Bankrupt, Research Shows by Alicia McElhaney—Institutional Investor
Leveraged buyouts and financial distress by Brian Ayash and Mahdi Rastad—ScienceDirect
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AI's Fork in the Road: Societal Bliss or Existential Threat?
One year after the release of ChatGPT, we explore the positive and negative paths AI could take and what individuals can do to assist with a positive outcome.
Topics covered include:How David uses AI to increase his personal productivityThe societal and economic impacts of AI, including its potential to enhance corporate profitability and individual productivityChanges at OpenAI's executive level are examined, highlighting a shift in the organization's direction and philosophyWhat is Effective Altruism and why is it so focused on the catastrophic risks of AIWhat are the phases that would lead to a singularity in which AI poses a threat to humanityWhy AI is still in the early stages, and how should individuals, businesses and regulators treat it at this point
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Show Notes
Everyday Chaos: Technology, Complexity, and How We're Thriving in a New World of Possibility by David Weinberger—Harvard Business Publishing Education
The economic and market impact of artificial intelligence—Capital Economics
The Fight for the Soul of A.I. by David Brooks—The New York Times
How a Fervent Belief Split Silicon Valley—and Fueled the Blowup at OpenAI by Robert McMillan and Deepa Seetharaman—The Wall Street Journal
A.I. Belongs to the Capitalists Now by Kevin Roose—The New York Times
The ‘AI doomers’ have lost this battle by Benedict Evans—The Financial Times
Effective Altruism
80,000 Hours
What is the AI alignment problem and how can it be solved? by Edd Gent—NewScientist
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Using a Checklist Approach To Investing - The Money for the Rest of Us Philosophy
In this bonus episode, David visits with Bill Yount and Becky Heptig of the Catching Up to Fi podcast in a wide-ranging discussion on investing using a systematic checklist approach.
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Masterworks – invest in contemporary art
Masterworks Disclosure:
“net IRR” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold, and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd
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Show Notes
Catching Up to FI
Money for the Rest of Us book
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Is Tourism Harmful or Helpful? The Economic and Cultural Impact of Global Travel
What are the economic and cultural benefits of tourism. What are the downsides to too much tourism. How to find the right balance.
Topics covered include:How short-term rentals have changed tourismHow cities grapple with too many short-term rentalsWhat is the outlook for short-term rentalsHow much does tourism contribute to economic outputHow can tourism be harmful and helpfulThe example of Cuba
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Show Notes
International tourism revenue, percent of GDP - Country rankings—The Global Economy
U.S. Travel and Tourism Satellite Account for 2017–2021 by Sarah Osborne—Journal of US Bureau of Economic Analysis
2023 Short-Term Rental Mid-Year Outlook—AirDNA
Welcome to Hochatown, the Town Created by Airbnb by Julie Satow—The New York Times
Short-Term Rentals Attract Private Equity Seeking New Asset Class by Sean O'Neill—Skift
As Cuba’s economic crisis deepens, citizens scramble to migrate by any means by Dave Sherwood—The Irish Times
Cuba's worst economic crisis in decades forces people to get creative to survive by Eyder Peralta—NPR
Related Episodes
93: Capitalism, Complexity and Cuba
389: Is Airbnb Intensifying the Housing Crisis?
449: The House of Cards: Evaluating Economic and Financial Warning Signs
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Easier Investing, Richer Life: TIPS Ladders to Annuities
What are the pros and cons of partially funding retirement expenses with an inflation-indexed bond ladder versus an immediate annuity? There is a big downside to TIPS ladders that many investors don't realize.
Topics covered include:Why the stock market is more risky than many people realizeIs it too late to invest in TIPS as one advisor suggestsHow TIPS and TIPS ladders workHow immediate annuities workThe pros and cons of a TIPS ladder versus an immediate annuity
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Show Notes
Effortless: Make It Easier to Do What Matters Most by Greg McKeown
Essentialism: The Disciplined Pursuit of Less by Greg McKeown
Skin in the Game by Nassim Nicholas Taleb
Worry-Free Investing: A Safe Approach to Achieving Your Lifetime Financial Goals by Zvi Bodie and Michael J. Clowes
Safe Haven: Investing for Financial Storms by Mark Spitznagel
A Complete Guide to Investing in I Bonds and TIPS
TipsLadder
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How To Invest Money - 10 Rules of Thumb for Individual Investors
We discuss ten rules of thumb for individual investors to consider when saving and investing for and in retirement.Don't use institutional hand-me-downsStay close to home baseBeware of dragon riskMind your investment seasonsCatch the popping cornWatch for market swarmsTrack the economic windsFollow the traffic lightsDiversify your basketsDon't burn your ships
Sponsors
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Show Notes
How to Invest Money E-book
Related Content
Complete Guide to Mortgage REIT Investing - Money for the Rest of Us
Complete Guide to Equity REIT Investing - Money for the Rest of Us
Episode 451: How Much Should You Invest in Stocks
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Customer Reviews
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.
Best financial podcast I’ve come across
This is the most educational financial podcast I’ve found. The best part is the podcast is that it is data driven, ZERO OPINION!!!
I look forward to new episodes and going back to re-listen to old podcasts since most are evergreen.
Aces
If you’re looking for financial advise or expanding your knowledge of economics, this is the place to be. David does an amazing job simplifying a broad and complex topic into brain bites. Not only that, the episodes are so well written and provide historical and philosophical content and references that make the experience more savory. I wish I came across this podcast years ago.