The Daniel Stih Podcast — Clear Thinking & Applied Sensemaking

Daniel Stih

Thinking clearly — alone and together. This podcast is a public record of how I reason through complex problems. Solo episodes focus on thinking tools and perspective — designed to help you regain clarity when you're stuck, overwhelmed, or unsure how to proceed. Guest episodes are conversations as research — explorations of how others think. A guest's presence is not an endorsement of any kind; the purpose is to examine reasoning, assumptions, and logic in real time. The goal is not to persuade or debate. It's to show how reasoning works when easy answers fail — and how to think clearly about what's really going on. Website: https://www.danielstih.com

  1. 1月21日

    When Doing the "Right Thing" Backfires: Incentives and Hidden Risk

    If you've ever looked at credit cards, student loans, or mortgages and thought, "If I pay responsibly, why does this feel harder over time—not easier?" this episode is for you. Modern credit is framed as a tool for stability, education, and homeownership. But in practice, it often turns responsible borrowing into long-term extraction. This episode isn't a rant about banks or a pitch for free money. It's to understand a basic contradiction in how credit works. By the end of this episode, you'll walk away with one clear mental model: why modern credit has stopped functioning as trust—and what changes when credit is treated as earned reputation instead of rented, made up money. This isn't about eliminating responsibility -  it's restoring the original purpose of credit: to align trust, risk, and long-term stability.  You don't have to agree with the model. You will understand the system—and your own borrowing— clearly afterward. IMPORTANT NOTICE: I am not advocating anyone take a current 0% interest loan or credit offers. Interest rates can change, fees can be added, and penalties accumulate in ways that trap people in long-term debt. In this episode I discuss the idea for systemic change to how credit works, and what a truly 0% interest credit system could look like. These ideas only make sense as part of a broader structural change where interest rates cannot be raised, fees cannot be added, and the rules are different from today.   In this Episode: I lay out a practical alternative: Credit as Earned Reputation (CER), not as borrowed money. Think of this as Promise-based credit. For most of human history, credit worked as trust. Modern finance replaced that with interest, leverage, and bailouts,  disconnecting credit from accountability, and turning everyday borrowing into a trap. I explore a realistic, non-utopian model, in which there is no interest on loans for: Student loans Credit cards Mortgages Why this approach doesn't break the bank How it outperforms today's model for loans It isn't about free money. It's about rebuilding the credit system so borrowing leads to stability, not extraction. This episode explains what Credit as Reputation (Promise-based) is, and how it could work to make it easier, faster, and fairer to re-pay loans. #Inflation #DebtCrisis #FinancialSystem

    33 分鐘
  2. 1月7日

    How Money Is Created & The Federal Reserve - Steve Keen

    Most people think banks lend money. They don't. They create it. I sit down with economist Steve Keen to explain how money, banking, and the Federal Reserve actually work. Our conversation tackles one of the biggest sources of confusion in economics: where money comes from, what the Federal Reserve was designed to do, and why financial crises keep repeating—even when the tools change. This episode is about mechanics, incentives, and systems. We cover: Where money really comes from Why banks don't lend existing money How money is created when a loan is approved How this explains booms, crashes, and sudden financial collapses What the Federal Reserve is—and what it isn't Is the Federal Reserve public or private? Why it wasn't designed as a normal government agency What the Fed was never meant to fix Why stabilizing panic ≠ fixing incentives How boom–bust cycles really work Quantitative Easing explained without jargon SHOW NOTES: Steve Keen Substack - Building a New Economics: https://profstevekeen.substack.com/   Website: https://www.stevekeen.com/ Invite-Only: Dr. Steve Keen's Private 7-Week 'Rebel Economist Challenge' Patreon:  https://www.patreon.com/ProfSteveKeen  YouTube: https://www.youtube.com/ProfSteveKeen  Books:   Money and Macroeconomics from First Principles for Elon Musk and Other Engineers.: https://www.amazon.com/Money-Macroeconomics-First-Principles-Engineers-ebook/dp/B0FLWJ8LXY Debunking Economics (Digital Edition - Revised, Expanded and Integrated): The Naked Emperor Dethroned: https://www.amazon.com/Debunking-Economics-Digital-Integrated-Dethroned-ebook/dp/B09LQ9JJYP  USA: https://www.amazon.com/dp/B0FLWJ8LXY UK: https://www.amazon.co.uk/dp/B0FLWJ8LXY Germany: https://www.amazon.de/dp/B0FLWJ8LXY FR ; ES ; IT ; NL ;JP ; BR ; CA ; MX ; AU Forbes Articles: https://www.forbes.com/sites/stevekeen/?utm_source=chatgpt.com

    1 小時 16 分鐘
5
(滿分 5 顆星)
4 則評分

簡介

Thinking clearly — alone and together. This podcast is a public record of how I reason through complex problems. Solo episodes focus on thinking tools and perspective — designed to help you regain clarity when you're stuck, overwhelmed, or unsure how to proceed. Guest episodes are conversations as research — explorations of how others think. A guest's presence is not an endorsement of any kind; the purpose is to examine reasoning, assumptions, and logic in real time. The goal is not to persuade or debate. It's to show how reasoning works when easy answers fail — and how to think clearly about what's really going on. Website: https://www.danielstih.com