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 529 episodes available.

Money For the Rest of Us episodes:

February 19, 2025Unlocking Hidden Returns: How Mortality Credits Boost Retirement Income
How using a deferred income annuity can increase retirement income compared to an immediate annuity or a bond ladder.
Topics covered include:
How immediate annuities and deferred income annuities work
What are mortality credits, and why they are a key diversifier
Examples of how mortality credits lead to a 1% to 1.5% higher annualized return over several decades
How to decide whether an annuity is right for you

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Show Notes
Post: No, really. Deferred income annuities (DIAs) are superior to SPIAs in every way by Boglehead User "GoWithTheCashFlow"—Bogleheads
Actuarial Life Table—SSA
TIPSLadder
Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade D. Pfau—Retirement Researcher
Related Episodes
464: More Ways to Lock in Higher Yields in Case Interest Rates Fall
455: Easier Investing, Richer Life: TIPS Ladders to Annuities
407: Worry-Free Retirement Investing
279: Why All Retirees Should Consider an Income Annuity
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26min
February 12, 2025What Are Sovereign Wealth Funds and Does the U.S. Need One?
The U.S. and the UK each announced they were establishing sovereign wealth funds. We explore the purposes and types of sovereign wealth funds, how they invest, and some concerns with the U.S. establishing one.
Topics covered include:
What are the four types of sovereign wealth funds, and why the U.S. doesn't fit the typical use case
How sovereign wealth funds navigate between politics and generating high returns
Why a U.S. sovereign wealth fund, depending on its size, could crowd out other investment capital, leading to lower investment returns
How the U.S. federal government already invests in its economy without a sovereign wealth fund

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Show Notes
Fact Sheet: President Donald J. Trump Orders Plan for a United States Sovereign Wealth Fund—The White House
A Plan For Establishing A United States Sovereign Wealth Fund—The White House
International Forum of Sovereign Wealth Funds
Sovereign Wealth Funds: Past, Present and Future by Salman Bahooab, Ilan Alonb, and Andrea Paltrinieria—ScienceDirect
Guardians releases 2024 Annual Report—NZ Super Fund
UK Wealth Fund Brings Government And Private Investment Together by Efraim Chalamish—Global Finance
2024 Invesco Global Sovereign Asset Management Study—Invesco
Top 100 Largest Sovereign Wealth Fund Rankings by Total Assets—Sovereign Wealth Fund Institute
The Importance and Perspectives of Sovereign Wealth Funds in the Globalised Economy by Jan Černohorský and Kateřina Tesnerová—SHS Conferences

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20min
February 05, 2025Contrarian Investing with GMO's Ben Inker - FEG Insight Bridge
This week on episode 510, we share a conversation between Ben Inker of GMO and Greg Dowling of FEG Investment Advisors on contrarian investing, deep value stocks, and the rise of passive investing. David introduces the episode by sharing his key takeaways from the discussion.
FEG Investment Advisor is David's former institutional advisory firm, where he worked for 17 years, before founding Money for the Rest of Us. Greg Dowling is Chief Investment Officer of FEG, and David's former business partner and colleague.
Topics discussed in the episode include:
How experienced professionals can have a significant influence on one's career, such as the impact Jeremy Grantham and David Swenson had on Ben's career
The impact of the rise of passive investing
Investment opportunities in quality and deep-value stocks
The distinct risks of the high concentration in large-cap tech stocks

Show Notes
FEG episode page
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Related Episodes
491: The Five Layers of Investing
419: How to Make Portfolio and Asset Allocation Changes
401: Why Diversifying Your Portfolio Feels Awful
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51min
January 29, 2025How to Invest in Private Credit / Direct Lending
We explore what private credit, or direct lending, is and how to invest in it. We also show how it is similar and different from investing in leverage loans and CLOs.
Topics covered include:
Why more companies are staying private
How private credit differs from the leverage loan market
Why private credit is growing so rapidly
What are the benefits to private credit investing
What are liquid and less liquid ways to invest in private credit

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Show Notes
The Credit Markets Go Dark by Jared A. Ellias and Elisabeth de Fontenay—SSRN
The Lost Promise of Private Ordering by Cathy Hwang, Yaron Nili, and Jeremy McClane—SSRN
Investments Mentioned
VanEck BDC Income ETF (BIZD)
Barings Corporate Investors Fund (MCI)
Long Angle
Cliffwater Enhanced Lending Fund
BlackRock Private Credit Fund (BDEBT)
BondBloxx Private Credit CLO ETF (PCMM)
Virtus Seix AAA Private Credit CLO ETF (PCLO)
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27min
January 22, 2025Who Should Bear the Cost? Socialized versus Market-Based Risk Management
Natural disasters are becoming more severe and costly—who should bear the financial burden? We explore the tension between socialized risk and market-based insurance.
Topics covered include:
The surprisingly large percentage of natural disaster losses that are uninsured
Why natural disaster severity is increasing
A deep dive into the complexity of the home insurance market, including state-run home insurance plans
How California has tried to update its home insurance regulations, leading to potentially greater coverage but higher premiums
How socialized insurance relieves the cost burden to consumers but can also lead to riskier behavior and adverse risk selection

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Show Notes
California wildfires: What we know about L.A.-area fires, what caused them, who is affected and more by Tim Stelloh, Marlene Lenthang, Rebecca Cohen and Phil Helsel—NBC News
Climate change is showing its claws: The world is getting hotter, resulting in severe hurricanes, thunderstorms and floods—Munich RE
Shaping the Future of Wildfire Insurance in California: New Insights from the Most Comprehensive Wildfire Risk Model in the Market by Firas Saleh—Moody's
Insurers’ Rule Change Puts California Homeowners on the Hook for L.A. Fire by Jean Eaglesham and Sara Randazzo—The Wall Street Journal
Commissioner Lara issues landmark regulation to expand insurance access for Californians amid growing climate risks—California Department of Insurance
California Was Already in Home-Insurance Crisis Before Los Angeles Infernos by Jean Eaglesham and Joe Flint—The Wall Street Journal
The World Is Getting Riskier. Americans Don’t Want to Pay for It. by Greg Ip—The Wall Street Journal
Reinsurers little exposed to LA fires after retreat from disaster risks by Lee Harris—The Financial Times
A Survey of Residual Market Plan Assessment and Recoupment Mechanisms by Nancy Watkins, Robert Lee, and Rehan Siddique—Milliman
Related Episodes
481: How to Navigate the Crippling Home Insurance Crisis
444: Natural Disasters: Are They Truly Increasing?
Investments Mentioned
Stone Ridge High Yield Reinsurance Risk Premium fund (SHRMX)
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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24min
January 15, 2025Where You Live Matters - How Geography Contributes to Wealth
How geography contributes to economic growth and can increase or lower the cost of living.
Topics covered include:
Why living in a developing country like Costa Rica is still relatively expensive
How Amazon and e-commerce platforms lower the cost of living
Why we should consider slowing down our rate of consumption
How geography is impacting the rollout of AI

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Show Notes
Market Research in Costa Rica: Costa Rica is a strong market in Central America providing many benefits.—SIS International Research & Strategy
World Data Country Comparison: Costa Rica & USA
Why is Gas so Expensive in Costa Rica? by Sarah Jordan—The Tico Times
The Trailblazers: Inter-American Highway 1940 - 1957 by Norman Wood—U.S. Department of Transportation Federal Highway Administration Highway History
United States eCommerce Sales Growth (2018 to Q3 2024) by Jason—SellersCommerce
The Era of Finance CEOs Running Retailers Is Over by Amanda Mull—Bloomberg
AI set to fuel surge in new US gas power plants by Amanda Chu and Jamie Smyth—The Financial Times
What happened to the artificial-intelligence revolution?—The Economist
Liebreich: Generative AI – The Power and the Glory by Michael Liebreich—BloombergNEF

Related Episodes
444: Natural Disasters: Are They Truly Increasing?
413: What if the World Stopped Shopping?
151: Amazon Impacts Everything

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27min
January 08, 2025 Should You Retire Early and Live Outside Your Home Country? with Joshua Sheets
In episode 506, Joshua shares the pros and cons of living outside of your home country. He convinces David why he needs more than one passport. Finally, Joshua makes a strong case for not retiring, and if one does, under what circumstances.
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Show Notes
https://www.radicalpersonalfinance.com
Related Episodes
446: Die with Zero: Why You Should Start Spending Now
437: How to Live Like You Are Already Retired
371: Find Your Retirement Investing and Living Style

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40min
December 18, 2024 Optimization, AI and Opting Out with Coco Krumme
In our final episode of the year, I converse with author and data scientist Coco Krumme about the benefits and costs of optimization in finance, industry, and our daily lives. We explore AI and its overlap with optimization. We also consider the pros and cons of life optimization and finally discuss the extreme challenge of opting out.
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Show Notes
Optimal Illusions: The False Promise of Optimization by Coco Krumme—Penguin Random House
cocofolio.com
Coco Krumme—LinkedIn
Related Episode
480: Beyond Faster (T+1) Trade Settlement: The Hidden Costs of Optimization
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35min
December 11, 2024 Indexing Bubble and Asset Class Returns Still Revert to the Mean
How asset class returns move in cycles with periods of above-average returns followed by periods of lower returns. How has the rise of passive indexing led to higher stock valuations, and what does that mean for markets?
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Show Notes
The Equity Risk Premium: Nine Myths (JPM Series) by Rob Arnott—Research Affiliates
The Greatest Scourge in Factorland: Revaluation Alpha = Fake Alpha (JPM Series) by Rob Arnott—Research Affiliates
PASSIVE INVESTING AND THE RISE OF MEGA-FIRMS by Hao Jiang, Dimitri Vayanos, and Lu Zheng—NBER
Limits to Diversification: Passive Investing and Market Risk by Lily H. Fang, et al.—SSRN
Related Episodes
503: U.S. Stocks Have Never Been This Overhyped or Expensive
500: The S&P 500 Index and the Decade Ahead
468: Lessons from Japan’s 34 Years of Stock Market Underperformance
390: Are BlackRock and Vanguard Too Big and Powerful?
234: Index But Don’t Herd

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31min
December 04, 2024 U.S. Stocks Have Never Been This Overhyped or Expensive
What are the tangible and intangible factors that have contributed to long-term U.S. stock market outperformance compared to the rest of the world? Despite these advantages, why might we still want to continue to be globally diversified?
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Show Notes
American productivity still leads the world—The Economist
The Outlook for Long-Term Economic Growth by Charles I. Jones—Federal Reserve Bank of Kansas City
How Much Will Global Warming Cool Global Growth? by Ishan B. Nath, Valerie A. Ramey, and Peter J. Klenow—UC San Diego
Technology and demand drivers of productivity dynamics in developed and emerging market economies by Alistair Dieppe, Neville Francis, and Gene Kindberg-Hanlon—European Central Bank
Capitalism is in worse shape in Europe by Ruchir Sharma—The Financial Times
The Mother of All Bubbles by Ruchir Sharma—The Financial Times
The Curious Incident of the Elevated Profit Margins by James Montier—GMO
Federal Surplus or Deficit [-] as Percent of Gross Domestic Product - FRED

Euro area government deficit at 3.6% and EU at 3.5% of GDP—eurostat
End of an era: The coming long-run slowdown in corporate profit growth and stock returns by Michael Smolyansky—Federal Reserve Board
Should investors just give up on stocks outside America?—The Economist
Related Episodes
500: The S&P 500 Index and the Decade Ahead
499: What Makes an Economy Prosperous? Spotlight on Cuba and Argentina
343: Why the Productivity Slowdown Could Lead to Lower Living Standards

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...more
24min

FAQs about Money For the Rest of Us:

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

The podcast currently has 529 episodes available.

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