Money For the Rest of Us

By J. David Stein

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

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FAQs about Money For the Rest of Us:

How many episodes does Money For the Rest of Us have?

The podcast currently has 565 episodes available.

Money For the Rest of Us episodes:

December 17, 2025 Debt Is For Managing Wealth Not Creating It
Should you borrow money to magnify returns in your 401 (k), IRA, or other tax-deferred retirement account?
We examine Basic Capital, which allows investors to leverage their retirement account investments.
We also explore how the wealthy don't use debt to generate wealth but to manage it.
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Show Notes
Basic Capital
This 30-Year-Old’s Startup Is Bringing Leverage to 401(k) Savers by Suzanne Woolley—Bloomberg
This startup is offering mortgages for 401(k)s by Liz Hoffman—Semafor
Startup Failure by Elizabeth Pollman—SSRN
Related Episodes
353: The Pros and Cons of Infinite Banking and Whole Life Insurance
238: The U.S. Is More Socialist Than Denmark Regarding Home Mortgages
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27min
December 10, 2025Do Retiring Baby Boomers Actually Move Markets? And How Much Do Demographics Really Matter
As Baby Boomers continue to retire, some analysts expect financial markets to feel the strain. We examine whether demographic shifts truly shape stock and bond returns, or what other factors matter more.
Topics covered include:
Will retiring baby boomers lead to lower stock prices or higher interest rates
Some earlier demographic predictions and how they worked out
How do natural interest rates reflect the demand and supply of capital
Why demographics are only one factor that determines economic growth and financial market returns

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Show Notes
Zeihan
Harry Dent
Measuring the Natural Rate of Interest—Federal Reserve Bank of New York
Distribution of Household Wealth in the U.S. since 1989—The Federal Reserve
Related Episodes
Related Episodes
487: Are We Heading for a 2030s Depression? Global Economic and Population Shifts
445: From Boom to Bust—Why China’s Stocks Lagged Behind Its Economy & Where to Invest Next
395: How Population Trends Will Impact Growth, Inflation, Investing and Well Being
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24min
November 19, 2025 Burnout, Breaks, and the Courage to Spend with David Bach
David converses with best-selling author David Bach about preventing burnout through sabbaticals, moving to another country, why retirees should take Social Security as early as possible, and Bach's idea of a flat tax on IRA distributions.
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Show Notes
David Bach's IRA Flat Tax Idea
Related Episode
506: Should You Retire Early and Live Outside Your Home Country? With Joshua Sheets
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43min
November 12, 2025Sports Betting Is Not Investing
Can you really make money sports betting on low-risk, high-probability events?
Topics covered include:
The growing size and influence of the U.S. sports betting market
Recent sports betting scandals
How sports betting odds work
An intriguing low-risk approach to sports betting
Why the low-risk sports betting approach is still gambling with a negative expected return
Behavioral biases that encourage sports betting
Revisiting the difference between investing, speculating, and gambling

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Show Notes
https://info.lowstressbets.com/
How Do Betting Odds Work? by OC Staff—oddschecker
Senate Commerce Committee Wants Answers on NBA Gambling Scandal—Senate Commerce Committee
"US sports betting crisis grows as MLB’s Clase and Ortiz indicted over alleged rigged pitches" by Tom Lutz—The Guardian
ESPN Will Not Let Failure Push It Out Of The Gambling Business by Chris Thompson—Defector
22% of All Americans, Half of Men 18-49, Have Active Online Sports Betting Account—Siena University Research Institute
A Review of Sports Wagering & Gambling Addiction Studies Executive Summary—National Council on Problem Gambling
How sports gambling took over prediction markets in the US by Sam Learner, Oliver Roeder and George Steer—The Financial Times
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21min
October 29, 2025 Hoarding, FOMO, and Zcash: A Private Bitcoin
What’s the difference between hoarding and investing? There’s a reason markets built on productive assets—like stocks and bonds—are far larger than hoarding markets such as gold and cryptocurrency. In this episode, David explores why that is, and shares why he recently bought Zcash, and how it’s both similar to and different from Bitcoin.
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Show Notes
Zcash
CoinGecko
The Largest Companies by Market Cap in October 2025—The Motley Fool (Accessed October 2025)
DOJ Seizes $15 Billion in Bitcoin as U.S. and U.K. Target Massive Southeast Asian Crypto Scam Network—Chainalysis
Selling Gold in the Diamond District - Money for the Rest of Us Substack
Related Episodes
532: Should Private Assets, Gold, and Crypto Be Investment Options in 401k and other Defined Contribution Plans?
513: Crypto—Innovation or Insanity? Meme Coins, Hacks, and Strategic Bitcoin Reserves
432: Are the Economy and Financial Markets Zero-Sum Games?
496: Are You Taking Enough Aspirational Risk?
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22min
October 22, 2025Don’t Take Financial Advice from AI
How AI gets simple finance wrong, and how to make it work for you, not mislead you
Topics covered include:
How AI ignores the time value of money
A detailed example of ChatGPT misleading by making a simple math mistake
Some examples of opportunity costs and sunk costs when making financial decisions
Understanding how AI works can help us use it more effectively

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Show Notes
What Kind of a “PhD-level Expert” Is ChatGPT 5.0? I Tested It. by Gary Smith—Mind Matters
Top US Army General Says He’s Letting ChatGPT Make Military Decisions by Joe Wilkins—Futurism
Why Language Models Hallucinate by Adam Tauman Kalai, Ofir Nachum, et al—Arxiv
Auto Loan Calculator—nerdwallet
Related Episodes
538: Forests, Fakes, and the Fight for the Real
457: AI’s Fork in the Road: Societal Bliss or Existential Threat
450: How Higher Interest Rates Alter Our Financial Blueprint
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27min
October 15, 2025 Debasement Fears or Meme Fever? What’s Driving the Gold and Silver Rally
Are gold and silver up more than 50% in 2025 because investors fear currency debasement, or is this rally just the latest meme trade? In this episode, we explore the supply and demand forces behind gold and silver, discuss investing strategies, and outline what to watch to see if investors truly are worried about debasement.
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Show Notes
The Great Debasement Debate Is Rippling Across World Markets by Ruth Carson, Naomi Tajitsu, and Masaki Kondo—Bloomberg
How long will gold mania last?—Financial Times
Dalio Echoes Griffin in Seeing Gold as Safer Than the US Dollar by Alexandra Semenova, Natalia Kniazhevich, and Lisa Abramowicz—Bloomberg
Gold Reserves by Country—World Gold Council
Gold's rise in central bank reserves appears unstoppable by Jamie McGeever—Reuters
Above-ground stock—World Gold Council
Gold Demand Trends: Q2 2025—World Gold Council
Treasury Term Premia—Federal Reserve Bank of New York
Trey Reik—LinkedIn
Investments Mentioned
iShares Gold Trust (IAU)
SPDR Gold Trust (GLD)
SPDR Gold MiniShares Trust (GLDM)
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19min
October 08, 2025 Beyond Munis — New ETFs for Tax-Efficient Bond Investing
How to decide when to invest in municipal bonds versus new tax-efficient bond ETFs that don't invest in munis.
We analyze several newer ETFs that earn bond-like returns while avoiding paying taxable income distributions.
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Investments Mentioned
Vanguard Tax-Exempt Bond ETF (VTEB)
iShares 7-10 Year Treasury Bond ETF (IEF)
JPMorgan Ultra-Short Municipal Income ETF (JMST)
Alpha Architect 1-3 Month Box ETF (BOXX)
F/m Compoundr U.S. Aggregate Bond ETF (CPAG)
F/m Compoundr High Yield ETF (CPHY)
NEOS Enhanced Income Aggregate Bond ETF (BNDI)
NEOS Enhanced Income 1–3 Month T-Bill ETF (CSHI)
Show Notes
US municipal bond defaults and recoveries, 1970-2022 by Moody's Investor Service—Fidelity
Five Reasons Municipals Have Rarely Defaulted by Matthew Norton—Bernstein
470 Plus: Annuities Correction, Europe versus U.S. Value Stocks, Analyzing BOXX, and Accredited Investor Rules—Money for the Rest of Us
Cboe:BOXX | Investment case—alpha architect

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27min
September 24, 2025 Money for the Rest of Us Update
This week there isn’t a regular Money for the Rest of Us episode, but David shares an update on what’s happening behind the scenes. He previews an exclusive Plus member livestream on the forces shaping the next decade, explains why there won’t be a new episode next week, and highlights fresh content available on YouTube, Instagram, LinkedIn, and Substack. David also reflects on consistency, community, and the process of writing his second book. Regular episodes return in October.
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7min
September 17, 2025Resilient Wealth in an Era of Infinite Money
What happens when the money supply grows too slowly or too quickly? From gold-standard deflation to QE-driven inflation and inequality, we trace the lessons of monetary history, and what we can do today to protect ourselves in an age of infinite money.
Topics covered include:
How is the money supply measured, and why is it a subjective exercise
What is an example of a negative money shock
Why an optimal monetary policy would lead to deflation, and why that is a good thing
What causes inflation
How quantitative easing contributed to wealth inequality
What is demurrage currency
The unorthodox way Richard Nixon sought to combat high inflation and a strong dollar
How to increase our wealth in an era of infinite money

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Show Notes
Distribution of Household Wealth in the U.S. since 1989—The Federal Reserve
M2 (M2SL)—FRED
Good Versus Bad Deflation: Lesson from the Gold Standard Era by Michael D. Bordo, John Landon Lane, and Angela Redish—NBER
Speech by Richard Nixon (15 August 1971)—CVCE
US - Total Market Cap Divided by M2 Money Supply—MacroMicro
Did Quantitative Easing Increase Income Inequality? by Juan Antonio Montecino and Gerald Epstein—CEPWeb
Does Quantitative Easing Affect Inequality: Evidence from the US - Nektarios Michail
Demurrage currency—Wikipedia
Debt: The First 5,000 Years by David Graeber
Related Episodes
482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity
431: The Long-term Bullish Case for Gold
336: Own What Is Real
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...more
26min

FAQs about Money For the Rest of Us:

How many episodes does Money For the Rest of Us have?

The podcast currently has 565 episodes available.

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