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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

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Latest Episodes:

What if the World Stopped Shopping? Dec 07, 2022

Show notes

How to solve the conundrum that consumption reductions lead to economic disasters while benefiting the environment.

Topics covered include:

Why consumption, fossil fuel usage, and carbon emissions keep growing
How fossil fuel consumption goes well beyond heating and transportation uses but is tied to agriculture, steel, and cement production
The four times global consumption fell and the dire economic consequences that resulted
How the world is consuming twice as many resources as the planet can sustain
How the economy could still grow while reducing the environmental impact

For more information on this episode click here.

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Show Notes

How the World Really Works: The Science Behind How We Got Here and Where We’re Going by Vaclav Smil

The Day the World Stops Shopping: How Ending Consumerism Saves the Environment and Ourselves by J.B. Mackinnon

Global Footprint Network

Related Episodes

262: Better Not Bigger, Circular Not Linear – How the Global Economy Is Changing

282: Is GDP the Best Measure of Happiness and Well-Being?

340: Climate Change, ESG, and What Should Investors Do?

395: How Population Trends Will Impact Growth, Inflation, Investing, and Well Being

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Where to Invest Your Cash Savings for Higher Yields Nov 30, 2022

Show notes

What are the best options for safely investing cash.

Topics covered include:

High-yield savings accounts
Certificates of Deposits
Government Bonds
Money Market Mutual Funds
When should you invest in long-term bonds
Why some savings apps try to look like banks but they are not
What happens when central banks lose money
Where not to deposit cash for safety

For more information on this episode click here.

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Show Notes

a16z-backed Tellus wants to offer consumers a much better savings rate. Here’s how. by Mary Ann Azevedo—TechCrunch

Factors Affecting Reserve Balances—U.S. Federal Reserve

Liabilities and Capital: Liabilities: Earnings Remittances Due to the U.S. Treasury: Wednesday Level—FRED

What if the Federal Reserve books losses because of its quantitative easing? by William B. English and Donald Kohn—Brookings

U.S. Banks Lost a Record $370 Billion in Deposits Last Quarter by David Benoit—The Wall Street Journal

Crypto Lender BlockFi Follows FTX Into Bankruptcy by Alexander Gladstone—The Wall Street Journal

Related Episodes

304: A 15% Guaranteed Return? Lending on the Fringes of Finance

392: What Is Money and How to Use It

410: Is Cryptocurrency Dead?

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Is Emerging and Frontier Markets Investing Still Worth It? - with Asha Mehta Nov 23, 2022

Show notes

Camden and David converse with Asha Mehta, Managing Partner & CIO at Global Delta Capital about the bullish case for emerging and frontier market stocks as well as the risks.

Topics covered include:

How to go about investing in emerging markets
Should you invest in China
Where are the most promising emerging and frontier markets
Why aggregate emerging markets earnings have been lackluster
How to balance quantitative analysis with subjective reasoning

For more information on this episode click here.

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Show Notes

Power of Capital by Asha Mehta

Global Delta Capital

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249: Should You Invest in India?

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Is Cryptocurrency Dead? Will the FTX Fallout Kill Crypto? Nov 16, 2022

Show notes

How the bankruptcy of FTX, the world's third-largest crypto exchange, undermines trust in cryptocurrency and decentralized finance, making it even more difficult for crypto to ever be taken seriously as a monetary alternative.

Topics covered include:

How FTX squandered its customers' deposits
How FTX is another example of a private money bank run
How traditional securities lending works and why it is very low risk compared to the highly speculative nature of cryptocurrency lending platforms
How FTX's demise is impacting numerous entities including Voyager, BlockFi, Bitcoin miners, venture capitalists, and many others
How should individual investors store cryptocurrency, and does it even make sense to continue to own it

For more information on this episode click here.

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Money For the Rest of Us Plus

Show Notes

Don't Miss Out on Crypto: Larry David FTX Commercial

The spectacular implosion of crypto’s biggest star, explained by Emily Stewart—Vox

Divisions in Sam Bankman-Fried’s Crypto Empire Blur on His Trading Titan Alameda’s Balance Sheet by Ian Allison—CoinDesk

FTX held less than $1bn in liquid assets against $9bn in liabilities by Antoine Gara, Kadhim Shubber, and Joshua Oliver—Financial Times

FTX balance sheet, revealed by FT Alphaville—Financial Times

FTX Tapped Into Customer Accounts to Fund Risky Bets, Setting Up Its Downfall by Vicky Ge Huang, Alexander Osipovich, and Patricia Kowsmann—The Wall Street Journal

After FTX: Rebuilding Trust in Crypto’s Founding Mission by Noelle Acheson—CoinDesk

How Sam Bankman-Fried’s Crypto Empire Collapsed by David Yaffe-Bellany—The New York Times

Exclusive: At least $1 billion of client funds missing at failed crypto firm FTX by Angus Berwick—Reuters

Investors Who Put $2 Billion Into FTX Face Scrutiny, Too by Erin Griffith and David Yaffe-Bellany—The New York Times

FTX signs deal with option to buy BlockFi for up to $240 mln by Niket Nishant and Aditya Soni—Reuters

Voyager Digital and Voyager Official Committee of Unsecured Creditors Provide Update on Reorganization Plan—Cision

Crypto lender BlockFi says it has significant exposure to FTX by Manya Saini and Shailesh Kuber—Reuters

Coinbase Quarterly Earnings

Related Episodes

393: What Happens If Your Brokerage Firm Goes Bankrupt

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What Is the IMF and Why Is It Controversial? Nov 09, 2022

Show notes

How the International Monetary Fund, the world's economic firefighter, works for global monetary cooperation and prosperity while using its own made-up currency, the SDR.

Topics covered include:

What was the Bretton Woods monetary system that led to the formation of the IMF and the World Bank
How the World Bank and IMF differ
What does the IMF do
How the IMF creates its own money out of thin air
Why does Argentina, the IMF's largest borrower, keep defaulting on its debt obligation including those to the IMF
Why the IMFs negotiating tactics are controversial

For more information on this episode click here.

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Show Notes

Creation of the Bretton Woods System, July 1944—Federal Reserve History

International Monetary Fund

Sterling devalued and the IMF loan—Cabinet Papers, The National Archive

Total IMF Credit Outstanding, Movement From November 01, 2022 to November 07, 2022—IMF

Why you can’t technically default on the IMF by Izabella Kaminska—Financial Times

Implications of the IMF's SDR Allocation for Australia and the Global Economy by Ben Hollebon and Kate Hickie—Reserve Bank of Australia

The IMF cannot solve Argentina’s dysfunction—The Economist

IMF Executive Board Completes Second Review of the Extended Arrangement Under the Extended Fund Facility for Argentina—IMF

The IMF: The World’s Controversial Financial Firefighter—by Jonathan Masters, Andrew Chatzky, and Anshu Siripurapu—Council on Foreign Relations

Related Episodes

233: Is An Emerging Markets Crisis Imminent?

322: Why Currency Exchange Rates Matter?

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Is Success Due to Hard Work, Talent, or Luck? Nov 02, 2022

Show notes

How to survive in a world where luck and randomness play a pivotal role.

Topics covered include:

What are power laws
What are the narrative fallacy and hindsight bias
What are examples of domains where randomness has contributed to success
What are ways to distinguish investing skill from luck
How sixth-century philosopher Boethius had an accurate view of chance
What are ways we can benefit from good luck while protecting ourselves from bad luck

For more information on this episode click here.

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Show Notes

Redacted messages to and from Elon Musk—Delaware’s Court of Chancery

Elon Musk’s Texts Shatter the Myth of the Tech Genius by Charlie Warzel—The Atlantic

Talent Versus Luck: The Role of Randomness In Success and Failure by Alessandro Pluchino, Alessio Emanuele Biondo, and Andrea Rapisarda

Susan Alexandra

Welcome to Susan Alexandra’s Dream World by Sophia Herring—Clever, Architectural Digest

The Fashion Set Can’t Get Enough of Susan Alexandra’s Colorful, Kitschy Designs by Noah Lehava—Coveteur

Quantifying the evolution of individual scientific impact by Roberta Sinatra et al.

What's in a Surname? The Effects of Surname Initials on Academic Success by Liran Einav and Leeat Yariv

Middle names make you look smarter—University of Southhampton

Admission to Selective Schools, Alphabetically by Štěpán Jurajda and Daniel Münich

It Pays to Be Herr Kaiser: Germans With Noble-Sounding Surnames More Often Work as Managers Than as Employees by Raphael Silberzahn and Eric Luis Uhlmann

The relative-age effect and career success: Evidence from corporate CEOs by Qianqian Du, Huasheng Gao, Maurice D. Levi

The Black Swan: The Impact of the Highly Improbable by Nassim Nicholas Taleb

Were Those Great Returns the Result of Skill — or Just Luck? by Julie Segal—Institutional Investor

Related Episodes

323: The Economy Is Not A Machine

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Worry-Free Retirement Investing Oct 26, 2022

Show notes

How to use laddered inflation-indexed bonds (i.e., TIPS), CDs, fixed annuities, and fixed index annuities to meet retirement living expenses while worrying less about running out of money.

Topics covered include:

How individuals can use liability-driven investment strategies
Why now is the best opportunity to buy Treasury Inflation Protection Securities in 15 years
How to use bond ladders
How deferred fixed and deferred variable annuities work
How to analyze fixed index annuities

For more information on this episode click here.

Show Notes

Worry-Free Investing by Zvi Bodie and Michael J. Clowes

Market Yield on U.S. Treasury Securities at 10-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed—FRED

Market Yield on U.S. Treasury Securities at 5-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed—FRED

New 5-year TIPS auctions with a real yield of 1.732%, highest in 15 years—TIPSwatch

Complete List of Multi-Year Guaranteed Annuities (MYGAs), October 26, 2022—ImmediateAnnuities.com

Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement by Wade Pfau

A Complete Guide to Investing in TIPS and I Bonds—Money for the Rest of Us

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279: Why All Retirees Should Consider an Income Annuity

326: The New Math of Retirement Spending and Investing

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Annie Duke on Better Investing and the Danger of Grit Oct 19, 2022

Show notes

In Episode 406, David and Camden visit with Annie Duke about how to better manage our investment portfolios including when and what to sell. We also discuss a number of behavioral finance topics such as mental accounting, sunk costs, and goal myopia.

Annie Duke is an author, speaker, and consultant in the decision-making space, as well as Special Partner focused on Decision Science at First Round Capital Partners, a seed stage venture fund. Annie’s latest book, Quit: The Power of Knowing When to Walk Away, was released on October 4, 2022. Her previous book, Thinking in Bets, is a national bestseller, and is highly influential on the investing philosophy of Money for the Rest of Us.

As a former professional poker player, she has won more than $4 million in tournament poker, won a World Series of Poker Bracelet and is the only woman to have won the World Series of Poker Tournament of Champions and the NBC National Poker Heads-Up Championship. She retired from the game in 2012.

Prior to becoming a professional poker player, Annie was awarded a National Science Foundation Fellowship to study Cognitive Psychology at the University of Pennsylvania.

These days, Annie loves to dive deep into decision-making under uncertainty. As can be seen from her new book, her latest obsession is the topic of quitting.

For more information on this episode click here.

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Show Notes

Thinking in Bets: Making Smarter Decisions When You Don't Have All the Facts by Annie Duke

Quit: The Power of Knowing When to Walk Away by Annie Duke

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When Volatility Spikes, Financial Things Break - The Case of UK Gilts and Pensions Oct 12, 2022

Show notes

What is volatility and what causes it to rise and fall? How volatility itself contributes to more volatility such as in the example of the chaotic UK government bond market where long-term yields have increased by 4% in 2022.

Topics covered include:

How the role of volatility has changed in financial markets
What caused UK interest rates to spike and long-term bond investors to lose 50%
What is liability-driven investment
What drives increases in volatility and volatility spikes and spillovers are more frequent
How to earn income from shorting volatility and what are the risks
What we can learn when financial securities blow up

For more information on this episode click here.

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Show Notes

The volatility virus strikes again by Eric Lonergan—Financial Times

How ‘Liability-Driven’ Pension Funds Triggered UK Bond Panic by Loukia Gyftopoulou and Greg Ritchie—Bloomberg

UK government debt and deficit: December 202—UK Office for National Statistics

Markets are more fragile than investors think by Robin Wigglesworth—Financial Times

Volatility and the Alchemy of Risk: Reflexivity in the Shadows of Black Monday 1987—Artemis Capital Management

What Caused the Volatility “Volmageddon” on 5-Feb-2018 by Vance Harwood—Six Figure Investing

Gamma Explained—Merrill

Delta Explained—Merrill

Inside Volatility Trading: Is VIX Backwardation Necessarily a Sign of a Future Down Market? by Scott Bauer

Investments Mentioned

WisdomTree CBOE S&P500 PutWrite Strategy ETF (PUTW)

Simplify Volatility Premium ETF (SVOL)

Related Episodes

159: What You Need To Know About Volatility

283: Why You Should Care About Carry Trades

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Why Is the U.S. Dollar So Strong? Will It Continue? Sep 28, 2022

Show notes

What has caused the U.S. dollar's currency exchange rate to be the strongest in twenty years? How a strong dollar leads to slower global economic growth and falling asset prices.

Topics covered include:

Why a strong dollar is a no-win situation for the rest of the world
Why have inflation and interest rates increased
Why recession risks are rising as central banks combat inflation
Why asset prices fall when interest rates rise
What would cause the U.S. dollar to weaken from these levels
How to protect against currency fluctuations

For more information on this episode click here.

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Show Notes

Wall St blames missteps at FedEx as parcel service fails to delivery Steff Chávez and Andrew Edgecliffe-Johnson—Financial Times

The Global Dollar Cycle by Maurice Obstfeld and Haonan Zhou, BPEA Conference Drafts, September 8–9, 2022—Brookings Papers on Economic Activity

Monetary policy challenges posed by global liquidity by Hyun Song Shin—BIS

Dollar beta and stock returns by Valentina Bruno, Ilhyock Shim and Hyun Song Shin—BIS

Wonking Out: The Mysteries of the Almighty Dollar by Paul Krugman—The New York Times

Rents Drop for First Time in Two Years After Climbing to Records by Will Parker—The Wall Street Journal

Stop looking for a bogeyman to explain sterling’s collapse by Kate Martin—Financial Times

British Pound / US Dollar Historical Reference Rates from Bank of England for 1975 to 2022—Pound Sterling Live

Related Episodes

215: Is A Dollar Collapse Coming?

338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?

364: Should You Hedge Your International Stock Exposure Against Currency Fluctuations?

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