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Money For the Rest of Us — Business
Money For the Rest of Us

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

Copyright: © All rights reserved

Latest Episodes:

Five Surprising Insights About Stock Indexes and Funds Aug 09, 2023

Show notes

We share five things we have learned about stock index valuations, earnings, currency, and why value investing isn't dead.

Topics covered include:

How index providers divide the stock universe into large and small, growth and value
The difference between the price-to-earnings ratio and earnings yield and which is better
How earnings volatility can impact annual earnings growth and what to use to estimate future earnings
How value stocks often grow earnings faster than growth stocks
How value has outperformed growth in the last three years

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Show Notes

Money for the Rest of Us Plus

Related Episodes

102: What It Takes To Be A Value Investor

261: Is Value Investing Dead?

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Crisis-Proof Investing: Strategies for a Shaky Future Aug 02, 2023

Show notes

Given climate change and other risks, how should you invest for the next forty years?

Topics covered include:

What predictions from the last forty years came true and which didn't
Why the next forty years will have a lot of similarities to the last forty years despite the promise of AI
Why the scale and complexity of the world make big transitions away from oil, cement, and natural gas unlikely
Why economic growth and consumption will likely continue leading to positive investment returns
How should our portfolios and lifestyle be structured to build resilience

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Show Notes

The Third Wave by Alvin Toffler—Penguin Random House

Parcel shipping index 2022—Pitney Bowes

America Is Drowning in Packages by Amanda Mull—The Atlantic

How to Spend Way Less Time on Email Every Day by Matt Plummer—Harvard Business Review

World Population Prospects—United Nations Department of Economic and Social Affairs

Global Climate Change Vital Signs—NASA

Congestion Pricing Plan in New York City Clears Final Federal Hurdle by Ana Ley—The New York Times

New Jersey Sues Over Congestion Pricing in New York City by Ana Ley—The New York Times

How the World Really Works by Vaclav Smil—Penguin Random House

Does Sam Altman Know What He's Creating? by Ross Andersen—The Atlantic

The Economic Cost of Houston’s Heat: ‘I Don’t Want to Be Here Anymore’ by Rachel Wolfe and Amara Omeokwe—The Wall Street Journal

SEC Proposes Rules to Enhance and Standardize Climate-Related Disclosures for Investors—U.S. Securities and Exchange Commission

SEC’s Climate-Disclosure Rule Isn’t Here, but It May as Well Be, Many Businesses Say by Richard Vanderford—The Wall Street Journal

Market Myopia's Climate Bubble by Madison Condon—Boston University School of Law

What Really Happens to the Clothes You Donate by Oliver Franklin-Wallis—GQ

OpenAI's Sam Altman launches Worldcoin crypto project by Anna Tong—Reuters

Worldcoin’s premise is a disturbing one by Tabby Kinder—The Financial Times

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What If Social Security Had Been Privatized? The Value of Federal Government Pension Plans Jul 26, 2023

Show notes

In 2005, Congress debated giving U.S. workers private savings accounts to invest their Social Security contributions in the stock and bond markets. Sixteen years later, we review how that would have worked out for workers.

Other topics discussed include:

How the public and private sectors are both critical for a functioning social security systems
Which countries pay the highest social security benefits
How have other privatized social security plans worked out around the world
How workers prefer defined contribution plans even though they are worse off than if defined benefit plans were still widely available
How worried should we be about aging populations and rising dependency ratios
Why Social Security won't go away

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Show Notes

Greenspan "There is nothing to prevent the government from creating as much money as it wants."—YouTube

Estimated Financial Effects of the "Social Security Personal Savings Guarantee and Prosperity Act of 2005" by Stephen C. Goss—Social Security Administration

Social Security Quick Calculator—Social Security Administration

The average 401(k) balance by age by Pau Deer—Empower

CBO’s 2022 Long-Term Projections for Social Security—Congressional Budget Office

Policy Basics: Top Ten Facts about Social Security—Center On Budget and Policy Priorities

Evaluation of Four Decades of Pension Privatization in Latin America, 1980-2020: Promises and Reality by Carmelo Mesa-Lago—SSRN

Population Age Structure and Secular Secular Stagnation: The Long Run Evidence by Joseph Kopecky—SSRN

Does Human Capital Compensate for Depopulation? by M. Siskova, Michael Kuhn, Klaus Prettner, Alexia Fürnkranz-Prskawetz—SSRN

How Much Do Public Employees Value Defined Benefit versus Defined Contribution Retirement Benefits? by Oliver Giesecke and Joshua D. Rauh—SSRN

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Beware of Platform Risk - How PeerStreet, a Real Estate Crowdfunding Firm, Went Bankrupt Jul 19, 2023

Show notes

How to mitigate the risk of investing on crowdfunding platforms where there is little transparency on the underlying financial health of the platform company.

Topics covered include:

What is the platform economy
How blitzscaling and an over-reliance on venture capital funding led to Peer Street's bankruptcy
What happens next for investors on Peer Street's platforms
How individuals and businesses can mitigate the risk of investing or conducting business on platforms

Sponsors

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Show Notes

Amazon: Independent Sellers In The U.S. Sold More Than 4.1 Billion Products in 2022 by SGB Media—SGB Media

LinkedIn Post by Brett Crosby—LinkedIn

Crowdfunding platform PeerStreet files for bankruptcy by Flávia Furlan Nunes—Housingwire

AI Was Q2’s Big Hope To Reverse The Global Venture Funding Slowdown. It Wasn’t Enough by Gené Teare—Crunchbase

VC finds its footing as headwinds weaken by James Thorn—PitchBook

PitchBook-NVCA Venture Monitor—PitchBook

Cases FAQ—Stretto

Real estate debt marketplace PeerStreet files for bankruptcy by Matt Carter—inman

BlockFi Bet Big on FTX and Alameda Even After Seeing Infamous Balance Sheet, Creditors Say by Jack Schickler—CoinDesk

Related Episodes

253: Are IPOs the New Ponzi Scheme?

301: Use Caution with Alternative Investments

393: What Happens If Your Brokerage Firm Goes Bankrupt

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How and Why to Invest in AI Jul 12, 2023

Show notes

AI models like ChatGPT could lead to massive productivity gains, accelerated economic growth, and higher stock returns. Here's how to invest in AI.

Topics covered include:

How workers are already using AI models like ChatGPT to boost productivity
Why ChatGPT is better at search than Google for certain queries
How AI models will change the economic narrative
What are ways to invest in AI, including specific ETFs

For more information on this episode click here.

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Masterworks – invest in contemporary art

Masterworks Disclosure:

“net IRR” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold, and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd

Show Notes

Sarah Silverman Sues OpenAI and Meta Over Copyright Infringement by Zachary Small—The New York Times

ChatGPT saw its first-ever user decline in June by Igor Bonifacic—Engadget

A New Chat Bot Is a ‘Code Red’ for Google’s Search Business by Nico Grant and Cade Metz—The New York Times

How to get a handle on AI’s many implications for economies and markets by Neil Shearing—Capital Economics

Lessons From the Catastrophic Failure of the Metaverse by Kate Wagner—The Nation

To Drive AI, Chip Makers Stack ‘Chiplets’ Like Lego Blocks by Yang Jie—The Wall Street Journal

Investments Mentioned

iShares Semiconductor ETF (SOXX)

Roundhill Generative AI & Technology ETF (CHAT)

Robo Global® Artificial Intelligence ETF (THNQ)

iShares Robotics & Artificial Intelligence Multisector ETF (IRBO)

iShares Exponential Technologies ETF (XT)

Vanguard Total World Stock ETF (VT)

Related Episodes

184: Massive Job Losses Are Inevitable, But There Will Still Be Work

198: Capitalism Is Creation

256: Will Artificial Intelligence Change Investing?

417: Will Generative AI Replace Your Job?

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Why Are You Investing? Defining Your Rich Life with Ramit Sethi Jun 28, 2023

Show notes

Camden and Bret sit down with Ramit Sethi, host of Netflix’s hit show, “How to Get Rich”, author of the New York Times bestseller, “I Will Teach You To Be Rich” and host of the popular “I Will Teach You To Be Rich” podcast. He is known for his unconventional insights on money psychology and his no-nonsense approach to designing and living a rich life.

Ramit’s financial philosophy is centered around several key principles, including the importance of automating your finances, using money psychology to prioritize your “money dials,” and focusing on $30,000 questions instead of $3 ones.

Topics covered include:

What it means to live outside the spreadsheet and have a rich life
The importance of learning how to spend, not just save and invest
Approaching investing when you don’t come from an investment background and what to do if you are feeling behind

For more information on this episode click here.

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Masterworks – invest in contemporary art

Masterworks Disclosure:

“net IRR” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold, and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd

Show Notes

I Will Teach You to Be Rich

Related Episodes

278: You Have Permission to Spend

437: How to Live Like You Are Already Retired

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How to Live Like You Are Already Retired Jun 21, 2023

Show notes

How to create and sustain a life of freedom and happiness you don't want to retire from.

Topics covered include:

What are the physical and mental aspects of living like you are already retired
What is the good life, and what are the basic goods that contribute to it
How we handle time is the key to the good life and living like we are already retired

For more information on this episode click here.

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Show Notes

Politics by Aristotle

How Much is Enough? Money and the Good Life by Robert Skidelsky and Edward Skidelsky—Penguin Random House

Cormac McCarthy Had a Remarkable Literary Career. It Could Never Happen Now. by Dan Sinykin—The New York Times

Soloing: Realizing Your Life's Ambition by Harriet Rubin—HarperCollins

Saving Time: Discovering a Life Beyond the Clock by Jenny Odell—Penguin Random House

An Early Resurrection: Life in Christ Before You Die by Adam S. Miller—Deseret Book

Four Thousand Weeks: Time Management for Mortals by Oliver Burkeman—Macmillan Publishers

Related Episodes

19: Live Like You’re Already Retired

117: The Retirement Journey

371: Find Your Retirement Investing and Living Style

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How Did They Do? - Revisiting Carbon, SPACs, Silver, Convertible Bonds, and Frontier Markets Jun 14, 2023

Show notes

We review the performance and investment prospects for carbon, SPACs, silver, convertible bonds, and frontier markets.

Topics covered:

What has been the performance of these five asset types since they were discussed on the podcast two to three years ago
What are the underlying performance drivers and expected returns going forward
Which asset types are most and least attractive

For more information on this episode click here.

Sponsors

Masterworks – invest in contemporary art

Masterworks Disclosure:

“net IRR” refers to the annualized internal rate of return net of all fees and costs, calculated from the offering closing date to the sale date. IRR may not be indicative of Masterworks paintings not yet sold, and past performance is not indicative of future results. See important Reg A disclosures: Masterworks.com/cd

Use code MONEY10 to get 10% off on your NAPA Autoparts online order.

Insiders Guide Email Newsletter

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Show Notes

Initial Public Offerings: Updated Statistics by Jay R. Ritter—Warrington College of Business, University of Florida

Two SPAC ETFs Close in One Month, Suggesting End to Wall Street Boom by Emily Graffeo—Bloomberg

Investments Mentioned

Vanguard Total World Stock Market ETF (VT)

SPAC and New Issue ETF (SPCX)

iShares Convertible Bond ETF (ICVT)

iShares Silver Trust (SLV)

ProShares Ultra Silver (AGQ)

iShares Fronter and Select EM ETF (FM)

Kraneshares Global Carbon ETF (KRBN)

Related Content

318: What Are SPACs and Should You Invest in Them?

330: Is Silver the Next GameStop? How to Invest in Silver

A Complete Guide To Investing In Convertible Bonds

The Opportunity and Risk of Frontier Markets

What You Need to Know About Carbon Investing and its Effect on Climate Change

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Is It Better to Rent or Buy a Home? Jun 07, 2023

Show notes

How to decide whether to rent a house or apartment or purchase a home or condo. What has been the financial return from owning a house?

Topics covered include:

How much have home prices increased in major cities since 1980
What drove the greater than 50% jump in home prices in some U.S. cities since 2020
Why there aren't more new starter homes
What will it take for the housing shortage to abate so houses can be more affordable
Why now could be a more advantageous time to rent versus buy
What academics estimate the long-term return is for owning a house, and why the calculations are incomplete
How to determine what your total cost of ownership is for buying a house in order to compare it to renting

For more information on this episode click here.

Sponsors

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Show Notes

The housing theory of everything by John Myers & Ben Southwood & Sam Bowman—Works in Progress

Irish property: the boom that shows no signs of slowing by Jude Webber—The Financial Times

Whatever Happened to the Starter Home? by Emily Badger—The New York Times

The Housing Revolution Is Coming by M. Nolan Gray—The Atlantic

In Today’s Housing Market, It’s Timing Over Location by Joe Pinsker—The Wall Street Journal

The Rate of Return on Real Estate: Long-Run Micro-Level Evidence by David Chambers, Christophe Spaenjers, and Eva Steiner—Oxford Academic

The Rate of Return on Everything, 1870–2015 by Òscar Jordà, Katharina Knoll, Dmitry Kuvshinov, Moritz Schularick, and Alan M. Taylor—National Bureau of Economic Research

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Don't Be Afraid to Invest In Commercial Real Estate - The Bullish Case for Equity REITs May 24, 2023

Show notes

Why equity real estate investment trusts should be part of your investment portfolio despite the office sector's struggles.

Topics covered include:

Why some office REITs are down 30% in 2023, and owners are walking away from buildings
How commercial mortgages differ from residential mortgages
The broad sector diversification found within equity REIT ETFs
What have equity REITs performed long-term and what drove those returns
What is a reasonable return expectation for equity REITs
Why equity REIT prices adjust more quickly than private real estate values
Why you should be wary of private REITs

For more information on this episode click here.

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Show Notes

Slow Return to Work Pummels Office Stocks by Peter Grant—The Wall Street Journal

REITs Likely to Attract Growing Interest from Private Real Estate Funds by Sarah Borchersen-Keto—Nareit

Related Content

414: Use Caution with Private REITs like Blackstone’s BREIT

A Complete Guide to Equity REIT Investing

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