Money For the Rest of Us

By J. David Stein | A personal finance show on money, investing, the economy, retirement, and wealth. The world explained like ...

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What's Money For the Rest of Us about?

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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Are IPOs the New Ponzi Scheme?

05.22.2019

How venture capital funded startups run up massive losses while justifying premium valuations using creative profitability metrics. These private companies are now going public allowing early investors to cash out with sizable gains. Meanwhile, these new publicly traded companies are ...

Money For the Rest of Us episodes:

05.22.2019 Are IPOs the New Ponzi Scheme? How venture capital funded startups run up massive losses while justifying premium valuations using creative profitability metrics. These private companies are now going public allowing early investors to cash out with sizable gains. Meanwhile, these new publicly traded companies are ...
05.15.2019 How To Become Wealthy The three-step plan for becoming financially wealthy and how to be wealthy without the money.
05.08.2019 Impact Investing and Intentionality How individuals can have a positive impact while earning a good return investing. What are some examples of socially responsible and impact investments and platforms. In this episode you’ll learn:What is the difference between impact investing, ESG and SRI?What are ...
04.24.2019 Investment Rule One—Avoid Ruin How reducing exposure to a catastrophic event, such as running out of money during retirement, is a better strategy than trying to accurately predict a catastrophic event.
04.17.2019 Should You Invest in India? Why respected investors and economists believe India will be the fastest growing economy and potentially best-performing stock market over the next two decades. What are the risks that could prevent that from happening? In this episode you will learn:Why the ...
04.10.2019 How to Avoid Investment Fraud Here are precautions we can take to avoid ponzi schemes and not become victim to investment fraud. In this episode you’ll learn:What are sources to determine the background of individuals and firms who are selling investment products and advice.What is ...
04.03.2019 More Indexes, ETFs and Manager Skill, but Less Alpha How the increase in indexing is leading to the creation of more stock indexes, most of which are used by active managers. How more indexing makes it more difficult for active managers to outperform even though managers are getting more ...
03.27.2019 What Central Banks Don’t Know Should Concern You Why an inverted yield curve is disconcerting given such low interest rates. Why those low rates could lead to radical central bank policies during the next recession. Thanks to Policy Genius and Blinkist for sponsoring the episode. For show notes ...
03.20.2019 Is College Worth It? #245 With more and more college degrees being granted and higher student loan balances, when does it make sense to go to a highly selective college or to college at all? What can increase earnings more than just having college ...
03.13.2019 Are You Spending Too Much? (FIRE Edition) #244 How we can use filters to better manage how much we spend and make sure our spending has a meaningful impact on ourselves and the world. Thanks to EveryPlate and LinkedIn for sponsoring the episode. For show notes and ...
03.06.2019 Do You Have Enough to Retire? (FIRE Edition) What are the key metrics to determine if you have reached financial independence and can retire early.
02.27.2019 Should You Let Warren Buffett Manage Your Money? Does it make financial sense to buy Berkshire Hathaway stock and let Warren Buffett and Charlie Munger manage your money?
02.20.2019 Do Budget Deficits Matter? Modern Monetary Theory Explained What modern monetary theorists believe about money, taxes, and federal budget deficits.
02.13.2019 Three Financial Lessons from Thoreau #240 What Henry David Thoreau can teach us about calculating costs, profits, benefits and living a life free of "quiet desperation." Thanks to Blinkist and LinkedIn for sponsoring the episode. For show notes and more information on this episode click ...
02.06.2019 How to Be a Successful Trader #239 Why successful trading of commodities futures, foreign currencies and options depends on exploiting novice traders. Thanks to Molekule and Sleep Number for sponsoring this episode. For show notes and more information on this episode click here.[0:20] Learning how to ...
01.30.2019 The U.S Is More Socialist Than Denmark with Home Mortgages #238 How the U.S. mortgage market differs from the Danish mortgage market. Danish mortgage rates and defaults are lower than the U.S.. and unlike the U.S., the Danish government is not involved in protecting investors against mortgage defaults. This episode ...
01.23.2019 Brexit Is A Mess - Lessons Learned #237 What can we learn from the difficulties the UK is having in negotiating an exit from the European Union. What happens next? Why there is always a conflict between globalization and national sovereignty. Thanks to LinkedIn, Blinkist and The ...
01.16.2019 How Investors Cope With Radical Uncertainty #236 How heuristics, filters and reasonable stories help us cope with radical uncertainty and make investment decisions. Thanks to Netsuite and The Great Courses Plus for sponsoring the episode. For show notes and more information on this episode click here.[0:17] ...
01.09.2019 What If Home Prices Always Fell #235 How to evaluate the purchase of a depreciating asset, such as buying a house in Japan where prices have declined 23 out of the past 29 years. Thanks to The Great Courses Plus, LinkedIn and Sleep Number for sponsoring ...
12.19.2018 Index But Don't Herd #234 How and when to use passive indexing strategies without following the crowd. Thanks to Masterworks and Sleep Number for sponsoring the episode. For show notes and more information on this episode click here.[2:25] Do all index investment followers herd?[4:13] ...
12.12.2018 Is An Emerging Markets Crisis Imminent? What is the cause of the economic crisis in Argentina and how likely is it that other developing nations will experience a similar financing crisis.
12.05.2018 Is It Time To Invest In Commodities? Why investing in commodities such as oil and gold is challenging. What you need to know before you invest.
11.28.2018 What Determines How Much You Make Why different or even the same occupations pay differently.
11.14.2018 Use Caution With Real Estate Crowdfunding With RealtyShares and other crowdfunding platforms shutting down, should you invest on these platforms and if so how do you go about evaluating the investment opportunities.
11.07.2018 Stop Maximizing Your Returns Using Modern Portfolio Theory How to decide on a portfolio mix without using modern portfolio theory.
10.31.2018 How Tokenization Will Radically Change Investing How distributed ledger technology and tokenized assets will increase liquidity, transparency and fractionalization, allowing investors to purchase very small, liquid positions in real estate, private companies, art and other assets.
10.24.2018 How To Teach Children About Money The four most important things to teach children about money.
10.17.2018 How To Spot Asset Bubbles and What To Do About Them (The Case of Cannabis) What are the characteristics of an asset bubble and how to invest when one exists.
10.10.2018 How To Invest In Bonds and Other Fixed Income Securities #225 How to evaluate interest rate risk, credit risk and other factors when investing in bonds. Thanks to Sleep Number for sponsoring the episode. For show notes and more information on this episode click here.[0:11] Predicting interest rates can be ...
10.03.2018 Mastering the Market Cycle—New Book by Howard Marks #224 How to position your investment portfolio based on market cycles. Investing principles from Howard Marks' new book Mastering the Market Cycle. Thanks to CNote and LinkedIn and for sponsoring today's episode. For show notes and more information on this ...
09.26.2018 How To Invest When You Have Little Money #223 How commission free ETFs, mobile apps and zero fee index funds make it easier to invest if you have little money. What are some examples of commission fee ETFs and funds for Vanguard, Fidelity, Robinhood and TD Ameritrade. Thanks ...
09.19.2018 Why We Overpay and How It Leads To Income Inequality #222 How asymmetric information, price discrimination and the stories we tell ourselves contribute to artificial profits and income inequality. Thanks to CNote for sponsoring today's episode. For show notes and more information on this episode click here.[0:20] Rents, overpayments, and ...
09.12.2018 Should You Prepare For The Next Financial Crisis? #221 How the Great Financial Crisis changed how individuals and institutions invest, and why we shouldn't invest solely focused on the next crisis. Thanks to CNote for sponsoring today's episode. For show notes and more information on this episode click ...
09.05.2018 Where Should You Invest Your Cash Savings? #220 How to evaluate cash savings options at banks, credit unions and brokerage firms. Why are yields on cash savings so much higher than a few years ago. How to tell if your bank or credit union is in experiencing ...
08.29.2018 The Incredible Shrinking Stock Market #219 How fewer publicly traded companies, less stock shares outstanding and more intangible assets have led to higher earnings growth for U.S. listed companies and ultimately stronger stock market performance. Thanks to Circle Invest for sponsoring today's episode. For show ...
08.22.2018 Is China or the U.S. More Vulnerable? #218 What are the headwinds facing China that could slow economic growth, but still could lead to China growing faster than the U.S. Also, what is going on with Turkey and are other emerging market countries vulnerable to the same ...
08.15.2018 Rebalancing, Overvaluation, Market Timing, and Stock Splits #217 Which rebalancing strategy is best or should we even bother rebalancing? Should we just exit stocks completely, especially given how overvalued the U.S. stock market it is? And why do companies split their stocks? In this episode, we answer ...
08.08.2018 Avoid This Investment: P2P Lending #216 Why peer-to-peer lending on platforms like Lending Club and Upstart is no place for individuals to invest given higher defaults, lower returns and competition from institutional investors. Thanks to Circle Invest for sponsoring today's episode. For show notes and ...
08.01.2018 Is A Dollar Collapse Coming? #215 Will stagflation cause the dollar to crash and be a bottomless pit when the next recession hits? That is what Peter Schiff is predicting. We look at where he is right and where he seems to be off the ...
07.25.2018 Should You Trade Currencies (Forex) Like Soros? #214 How the foreign exchange market works and how George Soros made more than a $1 billion shorting the British pound in 1992. Why currency trading today is more like gambling than when Soros made his billions. Why trading closed ...
07.18.2018 Why Health Insurance Is A Mess #213 How health insurance isn't really protection against a catastrophic illness but prepayment of routine healthcare consumption, leading to overconsumption of healthcare and over treatment by medical professionals that drive up costs. What would it take to reform the health ...
07.11.2018 Trade Wars Increase Prices and Poverty #212 How a complex global trade system has reduced poverty, raised incomes, increased productivity, and lowered prices while a trade war will reverse those trends. You can find show notes and links here. Thanks to Blooom and Wunder Capital for ...
06.27.2018 How To Navigate A Housing Bubble #211 Why housing bubbles can last such a long time and what to do if you really want or need to buy a house in a frothy market. More information, including show notes, can be found here. Episode Summary Navigating ...
06.20.2018 Are There Always Winners and Losers When Trading? #210 Why fair markets require uncertainty for both the buyer and the seller, and why sellers don't need to disclose everything they know to the buyer. More information, including show notes, can be found here. Thanks to Wunder Capital for ...
06.13.2018 Why Bother Investing Internationally? #209 Is it worth investing outside your home country given the risk? Should you hedge currency risk? What is the impact of Chinese "A" share listed companies being added to emerging market indices. More information, including show notes, can be ...
06.13.2018 Why Bother Investing Internationally? Is it worth investing outside your home country given the risk? Should you hedge currency risk? What is the impact of Chinese "A" share listed companies being added to emerging market indices.
06.06.2018 The Biggest Market Crash Is Recyclables #208 How a Chinese ban and careless recycling habits by households and businesses led to a market collapse in recyclables. More information, including show notes, can be found here. Episode Summary The biggest market crash facing the United States today ...
05.30.2018 How Do The Mega Rich Invest? #207 Why the mega rich don't have magical investing powers, but there are some investing attributes they possess that we can emulate. More information, including show notes, can be found here. Episode Summary A new listener of Money For the ...
05.23.2018 Be Bear Aware of Bank Loans #206 Why the leveraged loan market (i.e. bank loans) is becoming more risky. What are collateralized loan obligations and how do they influence bank loans. Why I will sell my bank loans fund when the economy turns. More information, including ...
05.16.2018 Is The Federal Reserve Really Printing Money? #205 If the Federal Reserve has printed over $2 trillion dollar and given it to banks to lend, why is U.S. inflation still low? More information, including show notes, can be found here. Episode Summary Many people wonder if the ...

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