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

... more

4.5

13181,318 ratings

Download on the App Store

Download on the App Store

Get it on Google Play

FAQs about Money For the Rest of Us:

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

The podcast currently has 546 episodes available.

Money For the Rest of Us episodes:

June 25, 2025Are Robo Advisors Worth It Even With Tax Loss Harvesting and Direct Indexing?
We examine how robo-advisors have evolved over the past decade to determine if their services justify the fees they charge.
Topics covered include:
How large are the top 5 robo-advisors
Robo-advisor fees
Robo-advisor holdings
Why robo-advisors are turning toward direct indexing for tax loss harvesting
How much excess return does tax loss harvesting generate
Who can benefit from using robo-advisors

Sponsors
Asset Camp
LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
The Tax Benefits of Direct Indexing, and How They Are Affected by the Biden Tax Plan by Nathan Sosner et al.—SSRN
An Empirical Evaluation of Tax-Loss Harvesting Alpha by Shomesh Chaudhuri et al.—SSRN
Related Episodes
398: When Should You Hire An Investment Advisor? Two Case Studies
92: What Robo-Advisors Recommend

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
24min
June 18, 2025 Climbing the Wealth Ladder with Nick Maggiulli
How our spending, investing, and life strategy change as our net worth grows. We consider how skill, luck, discipline, relationships, and AI can allow us to ascend and, in some cases, descend the wealth ladder.
Sponsors
NetSuite
LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Of Dollars and Data - Nick Maggiulli
The Wealth Ladder by Nick Maggiulli
Ritzholz Wealth Management
Related Episodes
461: How Much Should Your Net Worth Grow Each Year?
252: How to Become Wealthy
119: Investing Won't Make You Rich

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
38min
June 11, 2025 Stablecoins and CBDCs: Their Rise, Risks and Possibilities
Circle Invest, one of the leading stablecoin providers, just went public, and its stock price has tripled. We delve into the growth of stablecoins, their applications, and the associated risks. We also discuss the surprising political pushback against central bank digital currencies.
Episode Sponsors
Delete Me – Use code David20 to get 20% off
NetSuite
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Top Stablecoin Tokens by Market Capitalization—CoinMarketCap
Runs and Flights to Safety: Are Stablecoins the New Money Market Funds? by Kenechukwu Anadu et al—New York Fed
Amendment No. 3 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933—SEC
Why Crypto Stablecoins Still Worry the Fed by Olga Kharif and Yueqi Yang—Bloomberg
Central Bank Digital Currency Tracker—Atlantic Council
STRENGTHENING AMERICAN LEADERSHIP IN DIGITAL FINANCIAL TECHNOLOGY—The White House
Stablecoins and monetary sovereignty: the ball is in Europe’s court by Ignazio Angeloni—The Financial Times
Related Episodes
488: Should You Invest in an Ethereum ETF?
424: Are More Bank Runs Coming? The Collapse of Silicon Valley Bank
387: Why Most Money Fails
373: Are Stablecoins Safe? Should You Own Them?
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
28min
June 04, 2025The Future of Power: Energy at a Crossroads with Scott Harland
From wildfires to AI-driven demand surges, the power grid is under pressure—and so is the investment landscape around it. Scott Harland of Rockland Capital visits with Greg Dowling of FEG to explore the risks, opportunities, and critical shifts shaping the future of energy.
Topics covered include:
The necessity of a balanced energy mix, including traditional and renewable energy sources
How the private sector is playing a larger role in building out energy infrastructure
Rising energy demand from data centers and AI, and how that demand can be met

Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Hungry, Hungry, Hyperscalers with Scott Harlan - FEG Insight Bridge
Related Episodes
502: Should You Invest in Nuclear Energy?
469: Which Will Perform Better: Berkshire Hathaway or Utility Stocks?
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
41min
May 21, 2025No More AAA - What the U.S. Debt Downgrade Means for Investors
With longer-term U.S. interest rates rising and no plan to reduce the budget deficit, is a U.S. national debt crisis imminent?
Topics covered include:
Why S&P, Fitch, and now Moody's stripped the U.S. of its pristine AAA debt rating
How the U.S. national debt dynamics compare to Greece, Italy, and Japan
What are four things investors should monitor for signs that the national debt crisis is worsening or spiraling out of control

Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Moody's Ratings downgrades United States ratings to Aa1 from Aaa; changes outlook to stable—Moody's Ratings
Research Update: United States of America Long-Term Rating Lowered To 'AA+' On Political Risks And Rising Debt Burden; Outlook Negative—S&P Global
Interest Expense and Average Interest Rates on the National Debt FY 2010 – FYTD 2025—FiscalData.Treasury.gov
The Stark Math on the GOP Tax Plan: It Doesn’t Cut the Deficit by Richard Rubin—The Wall Street Journal
The Long-Term Budget Outlook: 2025 to 2055—Congressional Budget Office
Walmart says higher prices could hit this month due to tariffs by Natalie Sherman—BBC
Post on May 17th, 2025; 7:27 AM by Donald J. Trump—Truth Social
Walmart responds to Trump comment that retailer should ‘eat the tariffs’ by Kyler Swaim—The Hill
What’s behind Japan’s High Government Debt? by YiLi Chien and Ashley H. Stewart—Federal Reserve Bank of St. Louis
Related Episodes
487: Are We Heading for a 2030s Depression? Global Economic and Population Shifts
479: National Debt Master Class Finale – What To Do

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
25min
May 14, 2025Facing a Financial Squeeze: What Harvard’s Response Can Teach the Rest of Us
How can we apply the same emergency measures that Harvard and other universities are using to navigate a financial crisis? Also, how universities invest their endowments and what their performance has been.
Topics covered include:
What has led to the financial crisis at Harvard
What actions has the university taken
How do endowments invest and spend their funds
How endowments maintain intergenerational equity
How we can apply the principles universities use in our own investing

Sponsors
NetSuite
LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Letter Sent to Harvard 2025-04-11—Harvard
Harvard Response 2025-04-14—Harvard
Trump Administration Will Freeze $2 Billion After Harvard Refuses Demands by Vimal Patel—The New York Times
Should Harvard Be Tax Exempt? by The Editorial Board—The Wall Street Journal
Fact Sheet: President Donald J. Trump Reforms Accreditation to Strengthen Higher Education—The White House
At Grim Town Hall, Harvard Medical School Leaders Tell Staff to Expect Layoffs and Far-Reaching Cuts by Avani B. Rai and Saketh Sundar—The Harvard Crimson
Can Harvard Use Its Endowment To Make Up For Federal Cuts? It’s Possible, but Not That Simple. by Avani B. Rai and Saketh Sundar—The Harvard Crimson
Yale Weighs $850 Million Bond Sale Amid Trump’s Higher Education Attack by Elizabeth Rembert and Amanda Albright—Bloomberg
Yale seeks to sell billions in private equity investments as political pressures from Trump mount by Liese Klein—CT Insider
2024 NACUBO-Commonfund Study of Endowments—NACUBO
Endowments Face Liquidity Crunch Amid Market Pullback, Funding Cuts by Matt Toledo—Chief Investment Officer
Big investors borrow against private equity holdings amid cash crunch by Amelia Pollard and Antoine Gara—The Financial Times
Related Episodes
402: Why Student Debt Is So High and Forgiving It Doesn’t Fix the Problem
245: Is College Worth It?
180: Can You Outperform Harvard’s Endowment?
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
26min
May 07, 2025 Why Bond Investing Is Easier Than Ever
Discover how bond market ETFs have transformed investing — making bonds easier, cheaper, and more accessible than ever. We also explore how the bond market’s very composition has evolved.
Episode Sponsors
Delete Me – Use code David20 to get 20% off
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
The total return strategy in bonds is far from dead by James Bianco—The Financial Times
What I Learned in My First Year Managing Fixed-Income by Jim Bianco—Bianco Research Advisors
ETFs are eating the bond market by Robin Wigglesworth and Will Schmitt—The Financial Times
Related Episodes
463: How to Lock in Higher Yields in Case Interest Rates Fall
455: Easier Investing, Richer Life: TIPS Ladders to Annuities
418: Bond Investing Masterclass

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
27min
April 30, 2025 Investing in Emerging Markets with Ali Akay
Ali Akay, CIO of Carrhae Capital, answers why invest in emerging markets. He also shares with Greg Dowling of FEG insights on China, Mexico, South Korea, Argentina, Greece, Turkey, South Korea, and South Africa.
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Emerging Unscathed: Featuring Ali Akay—FEG Insight Bridge
Related Episodes
474: Are Emerging Markets Bonds a Once-in-a-Generation Opportunity?
411: Is Emerging and Frontier Markets Investing Still Worth It? – With Asha Mehta
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
35min
April 23, 2025Is the Rest of the World Selling America?
The U.S has traditionally been a safe haven for investing, but that hasn't been the case in 2025. We explore three economic and narrative regimes and consider why we may be witnessing a shift after 12 years of U.S. outperformance.
Topics covered include:
What was the narrative and economic and financial performance from 1995-2001, 2002-2012, and 2012 -2024.
How the performance of the U.S. dollar impacted returns
Why did economic forecasters predict the U.S. national debt would be paid off in 2011, and why were they wrong?
Signs that the current economic and financial narrative is shifting.

Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Testimony of Chairman Alan Greenspan Outlook for the federal budget and implications for fiscal policy Before the Committee on the Budget, U.S. Senate January 25, 2001—The Federal Reserve Board
Federal Surplus or Deficit [-] as Percent of Gross Domestic Product—FRED Economic Data
Nonfarm Business Sector: Labor Productivity (Output per Hour) for All Workers—FRED Economic Data
Narrative Economics: How Stories Go Viral and Drive Major Economic Events by Robert J. Shiller—Princeton University Press
Donald Trump vs Mr Market by Tim Harford—The Financial Times
Tourism boycott? Europe travel to US drops in wake of Trump presidency by Talyta França & Alessio Dell'Anna, Mert Can Yilmaz—euronews
Trump’s Trade Offensive Threatens America’s Financial Primacy by Nick Timiraos, Jack Pitcher, and Chelsey Dulaney—The Wall Street Journal
Related Episodes
519: Is This the End of Globalization and Free Trade?
380: How Stories Drive Our Happiness and Financial Success
See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
20min
April 16, 2025Where Are We Heading?
In this episode, we explore what it means to invest in a non-ergodic world—where time, not averages, determines outcomes. We unpack concepts like volatility drag, ensemble vs. time averages, and the implications for portfolio strategy, while also reflecting on how AI and zero-click search are reshaping business and investor behavior.
Topics covered include:
What is ergodicity and why it matters
How path dependency and emerging phenomena disrupt the long-term
How podcasting and blogging has changed
What is the future of Money for the Rest of Us

Episode Sponsors
NetSuite
LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs
Insiders Guide Email Newsletter
Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter
Our Premium Products
Asset Camp
Money for the Rest of Us Plus
Show Notes
Wayback Machine: jdstein.com
Probabilities and Payoffs: The Practicalities and Psychology of Expected Value by Michael J. Mauboussin and Dan Callahan, CFA—Morgan Stanley
The Black Swan: The Impact of the Highly Improbable by Nassim Nicholas Taleb—Penguin Random House
The 60% Problem — How AI Search Is Draining Your Traffic by Tor Constantino, MBA—Forbes
Hollywood Is Cranking Out Original Movies. Audiences Aren’t Showing Up. by Ben Fritz—The Wall Street Journal
How Late Night TV Is Downsizing by Alex Weprin and Rick Porter—The Hollywood Reporter
‘Severance’ Surpasses ‘Ted Lasso’ To Become Apple TV+’s Most Watched Series With Season 2 Launch by Nellie Andreeva—Deadline
List of most watched television broadcasts in the United States—Wikipedia
Tao te Ching by Lao Tzu (Author), Marc Mullinax (Translator)—fortress press
Why AI Might Not Take All Our Jobs—If We Act Quickly by Justin Lahart—The Wall Street Journal
Elon Musk and the Dangerous Myth of Omnigenius by Gautam Mukunda—Bloomberg
Related Episodes
492: The Power of Optionality: Small Bets, Big Payoffs
484: 7 Steps to Living a Longer Life
482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
...more
27min

FAQs about Money For the Rest of Us:

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

The podcast currently has 546 episodes available.

More shows like Money For the Rest of Us

Investing Insights by Morningstar

Investing Insights

494 Listeners

Your Money, Your Wealth by Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

Your Money, Your Wealth

772 Listeners

The Stacking Benjamins Show by StackingBenjamins.com | Cumulus Podcast Network

The Stacking Benjamins Show

1,976 Listeners

Radical Personal Finance by Joshua Sheats

Radical Personal Finance

1,876 Listeners

Money Tree Investing by Money Tree Investing Podcast

Money Tree Investing

657 Listeners

Afford Anything by Paula Pant | Cumulus Podcast Network

Afford Anything

3,521 Listeners

Stay Wealthy Retirement Podcast by Taylor Schulte, CFP®

Stay Wealthy Retirement Podcast

563 Listeners

The Boldin Your Money Podcast by Steve Chen

The Boldin Your Money Podcast

181 Listeners

Bogleheads On Investing Podcast by bogleheads

Bogleheads On Investing Podcast

590 Listeners

Earn & Invest by Jordan Grumet (Doc G)

Earn & Invest

431 Listeners

The Long View by Morningstar

The Long View

880 Listeners

Sound Investing by Paul Merriman

Sound Investing

338 Listeners

Simple, but Not Easy by Morningstar

Simple, but Not Easy

85 Listeners

The Rob Berger Show by Rob Berger

The Rob Berger Show

175 Listeners

The Long Term Investor by Peter Lazaroff

The Long Term Investor

127 Listeners