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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

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Latest Episodes:

Should You Buy an Electric Car or Truck? Jun 09, 2021

Show notes

What are the pros and cons of owning an electric vehicle (EV) compared with an internal combustion engine (ICE) vehicle. Are electric vehicles worth it?

Topics covered include:

What is the total energy consumption for EVs versus ICE vehicles including energy expended to produce the vehicles and energy used to produce the electricity and refine the gasoline that run the vehicles.
What vehicles weigh the most, ICE, EVs, or hybrids
How the mix of renewables and coal in the power grid impacts the energy impact of electric vehicles.
What is the total cost of owning an electric vehicle compared with a similar model ICE vehicle.

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Thanks to IPVanish and Raycon for sponsoring the episode.

For more information on this episode click here.

Show Notes

The Gregor Letter

The Greenhouse gases, Regulated Emissions, and Energy use in Technologies Model—Argonne National Laboratory

Vehicle Cost Calculator—Alternative Fuels Data Center

EV vs. Gas: Which Cars Are Cheaper to Own? by Roberto Baldwin—Car and Driver

Batteries For Electric Cars Speed Toward a Tipping Point by Ira Boudway—Bloomberg

Show Notes

The Gregor Letter

The Greenhouse gases, Regulated Emissions, and Energy use in Technologies Model—Argonne National Laboratory

Vehicle Cost Calculator—Alternative Fuels Data Center

EV vs. Gas: Which Cars Are Cheaper to Own? by Roberto Baldwin—Car and Driver

Batteries For Electric Cars Speed Toward a Tipping Point by Ira Boudway—Bloomberg

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Investing In Water Jun 02, 2021

Show notes

What are ways to invest in water and is it an attractive investment?

Topics covered include:

How water rights work and how they have been overallocated in the Colorado River basin.
Why agriculture uses the vast majority of water in the southwestern U.S. while contributing only a few percentage points to the region's gross domestic product.
Why hedge fund manager Michael Burry invests in farmland instead of water rights.
What ETFs are available to invest in water
What have the historical returns been for water stock investing, what are current valuations, and what is the expected long-term revenue growth.

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Thanks to Blinkist and Policygenius for sponsoring the episode.

For more information on this episode click here.

Show Notes

Beyond the Signing by Laura Paskus—Water Education Colorado

Where the Water Goes: Life and Death Along the Colorado River by David Owens

What Happens When The Colorado River Runs Dry—Science Friday

Editorial: There is no drought by The Times Editorial Board

New Mexico’s coming megadrought highlights farmers’ control of water by Cody Nelson, Capital & Main—New Mexico Political Report

Arizona | The Economic Contributions and Impacts of U.S. Food, Fiber, and Forest Industries—University of Arkansas Department of Agriculture

U.S. Southwest, Already Parched, Sees ‘Virtual Water’ Drain Abroad by Diana Kruzman—Coyote Gultch

Brazil’s Worst Water Crisis in 91 Years Threatens Power Supplies by Walter Brandimarte and Gerson Freitas Jr—Bloomberg Green

Does Arizona really use less water now than it did in 1957? by Andrew Nicla—azcentral.

Arizona’s Groundwater Management Act at Forty: Tackling Unfinished Business by Kirsten H. Engel, Esther Loiseleur, Elise Drilhon

Michael Burry, Real-Life Market Genius From The Big Short, Thinks Another Financial Crisis Is Looming—by Jessica Pressler—Intelligencer

Global water crisis: Investing in water—Fidelity

Related Episodes

301: Use Caution with Alternative Investments

334: How To Invest In Farmland

336: Own What Is Real

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Why Should You Care About Shadow Banking? May 26, 2021

Show notes

Half of the global financial system is made up of shadow banks. You have probably already used one. What are shadow banks and what to be wary of when using them.

Topics covered include:

What are the roles of shadow banks
What are examples of shadow banks
How two shadow banks, Greensill Capital and Archegos Capital Management, contributed to billions of dollars in losses
How China's massive use of shadow banks differs from the rest of the world
How individuals investors can benefit from the careful use of shadow banks.

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Thanks to Mint Mobile and Clear for sponsoring the episode. Use code David to get two months of Clear for free.

For more information on this episode click here.

Show Notes

Q+A-What is shadow banking and why does it matter? by Michelle Martin—Reuters

What You Need to Know About the Shadow Banking System Now by Craig Kirsner—Kiplinger

Global Monitoring Report on Non-Bank Financial Intermediation 2020—Financial Stability Board

How fintech will eat into banks’ business—The Economist

Why is supply-chain finance, as practised by Greensill Capital, risky?—The Economist

Tokio Marine defends governance over Greensill exposure by Leo Lewis, Kana Inagaki, and Ian Smith—Financial Times

Related Episodes

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

305: Are Banks Safe?

333: How The Covid Shock Nearly Destroyed The Financial System

339: How To Make Money with BlockFi, Dai and the Evolving DeFi Ecosystem

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Why The Productivity Slowdown Could Lead to Lower Living Standards May 19, 2021

Show notes

Why productivity growth is key to creating wealth. Why U.S. productivity growth is slowing, and what we can do to increase business and personal productivity.

Topics covered include:

How productivity is measured and how it relates to GDP, inflation, and living standards
How productivity growth has led to more food, better health, better housing, and more consumer goods.
What are potential reasons why productivity growth is slowing
Evidence that work from home has led to lower productivity
What individuals and businesses can do to increase productivity

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Thanks to LinkedIn and Hello Fresh for sponsoring the episode. Use code david12off for 12 free meals with free shipping from Hello Fresh.

For more information on this episode click here.

Show Notes

The Slowdown in Productivity Growth and Policies That Can Restore It by Emily Moss, Ryan Nunn, and Jay Shambaugh—The Hamilton Project

The technology-employment trade-off: Industry, automation, and income effects by Gene Kindberg-Hanlon—World Bank Blogs

Will productivity and growth return after the COVID-19 crisis? by Jan Mischke, et al.—McKinsey & Company

Work from Home & Productivity: Evidence from Personnel & Analytics Data on IT Professionals by Michael Gibbs, Friederike Mengel, Christoph Siemroth—Becker Friedman Institute for Economics

The Work of the Future: Building Better Jobs in an Age of Intelligent Machines by David Autor, David Mindell, and Elisabeth Reynolds—Massachusetts Institute of Technology

How to Stop Worrying and Love the Robot Apocalypse (Ep. 461) by Stephen J. Dubner, Produced by Zack Lapinski—Freakanomics

Is working from home bad for productivity? by Claire Jones—Financial Times

A World Without Email: Reimagining Work in an Age of Communication Overload by Cal Newport

Effortless: Make It Easier to Do What Matters Most by Greg McKeown

Related Episodes

142: Why Are Some Nations Wealthier Than Others?

231: What Determines How Much You Make

300: Ray Dalio and the Changing World Order

331: Why Do We Work So Much?

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Is Another Great Inflation Coming? Best Inflation Hedges May 12, 2021

Show notes

How today's inflationary environment is similar and different from the great inflation of the 1970s. What are the best assets to protect your portfolio if the next great inflation is here.

Topics covered include:

How is inflation measured and why the pandemic made calculating inflation difficult
What causes inflation
Why is inflation increasing currently
What caused the great inflation of the 1970s
Which assets are best to own to protect against inflation

Become a Subscriber and listen to the episode ad-free on Spotify or your preferred podcasting app. Only $4.99 per month plus tax. Subscribe here.

Thanks to Blinkist and IPVanish for sponsoring the episode.

For more information on this episode click here.

Show Notes

A Complete Guide to Understanding and Protecting Against Inflation—Money For The Rest of Us

Great Inflation 2.0? Lessons from the 1970s by Simon Macadam—Capital Economics

When it comes to inflation, how much fortitude does the Fed have? by Sebastion Mallaby—Financial Times

If Inflation Is Coming, Here Is What to Do About It by James Mackintosh—The Wall Street Journal

A Complete Guide to Investing in TIPS and I Bonds—Money For The Rest of Us

334 Plus: A New Inflation ETF, Inverse ETFs, and Excess CAPE Yields—Money For The Rest of Us

IVOL ETF Analysis and Review—Money For The Rest of Us

What is Roll Yield and How It Impacts Commodity and VIX ETF Returns—Money For The Rest of Us

DIVIDENDS: THEORY AND EMPIRICAL EVIDENCE—Aaron Brask Capital, LLC.

Related Content

A Complete Guide to Understanding and Protecting Against Inflation

A Complete Guide to Investing in TIPS and I Bonds

IVOL ETF Analysis and Review

What is Roll Yield and How It Impacts Commodity and VIX ETF Returns

336: Own What Is Real

337: Why in the World Would You Own Bonds?

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

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How To Overcome Investing Fears May 05, 2021

Show notes

Seven ways to manage fear in order to improve your investing. How fear can be beneficial.

Topics covered include:

Why fear can be both helpful and harmful
Why expected investment returns are lower from a year ago
What are the drivers of asset class returns
What is a bucket approach to investing and why it can be helpful
What are ways to automate investing
Why getting an investment second opinion can be valuable
Why we can never avoid investing mistakes

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Thanks to Raycon and Policygenius for sponsoring the episode.

For more information on this episode click here.

Show Notes

“How do I get rid of the fear?” by Seth Godin—Seth's Blog

The Gift of Fear by Dharmavidya David Brazier—Tricycle: The Buddhist Review

Related Episodes

254: Should You Be 100% Invested In Stocks?

306: Three Approaches to Asset Allocation

326: The New Math of Retirement Spending and Investing

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Climate Change, ESG, and What Should Investors Do? Apr 28, 2021

Show notes

How businesses, households, governments, asset managers, and investors interact in unpredictable ways to address the risks and opportunities related to climate change and other global trends. Why ESG investing goes beyond just buying an ESG fund or ETF.

Topics covered include:

What are incentives, constraints, opportunities, and risks faced by businesses, households, governments, asset managers, and investors when deciding what to do.
What is ESG and sustainable investing
What are the different levels of sustainable investing practiced by investors and asset managers
How investors can benefit from emerging technologies to combat climate change

Thanks to Mint Mobile and Clear for sponsoring the episode. Use code David for two months free of Clear.

For more information on this episode click here.

Show Notes

The Beauty of Everyday Things by Soetsu Yanagi (affiliate link)

Darmstadt Definition of Sustainable Investments by Johannes Hoffmann, Gerhard Scherhorn, Timo Busch (eds.)—Wuppertal Institute

FACT SHEET: President Biden Sets 2030 Greenhouse Gas Pollution Reduction Target Aimed at Creating Good-Paying Union Jobs and Securing U.S. Leadership on Clean Energy Technologies, APRIL 22, 2021—The White House

CDP Climate Charity

Drawdown Framework—Project Drawdown

‘I Will Get Very Serious About ESG — But Not Yet,’ Allocators Claim by Amy Whyte—Institutional Investor

How Sensitive are Optimal Fully Renewable Power Systems to Technology Cost Uncertainty? by Behrang Shirizadeh, Quentin Perrier, and Philippe Quirion

Techno-optimism, behaviour change and planetary boundaries by Adair Turner—Keele World Affairs Lectures on Sustainability

Activate Your Money: Invest to Grow Your Wealth and Build a Better World 1st Edition by Janine Firpo (affiliate link)

Making Sense Podcast 244 - Food, Climate, and Pandemic Risk—Sam Harris

Why Invest in Disruptive Innovation?—Ark Invest

Related Episodes

77: Does Ethical Investing Outperform the Market?

118: Are Renewable Energy ETFs a Good Investment?

140: How Climate Change Could Impact Your Investments and Your Life

251: Impact Investing and Intentionality

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How to Make Money With Dai, BlockFi and the Evolving DeFi Ecosystem Apr 21, 2021

Show notes

What is decentralized finance and how it is seeking to solve the shortcomings of centralized finance. How BlockFi and MakerDAO, early entrants in the DeFi space work. How to earn up to a 9% yield with cryptocurrency lending.

Topics covered include:

How centralized finance differs from decentralized finance (DeFi)
What are the shortcomings of centralized finance and why decentralized finance is more inclusive
What are the key elements of DeFi
How Ethereum smart contracts work
How MakerDao and Dai work and replicate many aspects of the modern financial system
How BlockFi operates using overcollateralized and undercollateralized loans
What are the risks of cryptocurrency lending using BlockFi and Dai

Thanks to LinkedIn and Truebill for sponsoring the episode.

For more information on this episode click here.

Show Notes

Crypto Lending Interest Rates for April 2021—DeFi Rate

DeFi and the Future of Finance by Campbell R. Harvey, Ashwin Ramachandran, and Joey Santoro

Millions Lost: The Top 19 DeFi Cryptocurrency Hacks of 2020 by Anton Tarasov—Crypto Briefing

Bitcoin Lending & Borrowing w/ BlockFi’s Zac Prince & Mark Yusko—Bitcoin Fundamentals by the Investor's Podcast Network

BlockFi lands a $350M Series D at a $3B valuation for its fast-growing crypto-lending platform by Mary Ann Azevedo—Tech Crunch

BlockFi Hacked Following SIM Swap Attack, But Says No Funds Lost by Graham Cluley—Tripwire

Maker Protocol Full Guide: How to Make Money with DAI by Evan Ezquer—Asia Crypto Today

DeFi Leader MakerDAO Weighs Emergency Shutdown Following ETH Price Drop by Brady Dale and William Foxley—CoinDesk

Celsius Network Interest Rates, Explained—Celsius

What Crypto Lender Celsius Isn’t Telling Its Depositors by Nate DiCamillo—CoinDesk

Related Episodes

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

319: Here Come Central Bank Digital Currencies

335: Are Non-Fungible Tokens Good Investments?

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Inflation, the National Debt and the U.S. Dollar - What Could Go Wrong? Apr 14, 2021

Show notes

With a ballooning U.S. federal budget deficit, a growing national debt, and double digit increases in the money supply, is it time to bet against the dollar?

Topics covered include:

What is driving the double digit increases in U.S. home prices
Why hasn't inflation spiked in line with rising home prices
What is the velocity of money and why is it falling
What are three schools of thought regarding what causes inflation
What is the average interest rate and maturity schedule of the U.S. national debt
How the Bank of Amsterdam is an example of how central banks can go insolvent and shut down
Why the dollar has an exorbitant privilege

Thanks to Policygenius and Hello Fresh for sponsoring the episode. Use code david12off for 12 free meals with free shipping from Hello Fresh.

For more information on this episode click here.

Show Notes

Where Did Americans Move in 2020? by Janelle Cammenga—Tax Foundation

Velocity of M2 Money Stock (M2V) Chart—Federal Reserve Bank of St. Louis

Federal Surplus or Deficit [-] as Percent of Gross Domestic Product (FYFSGDA188S) Chart—Federal Reserve Bank of St. Louis

How the CPI measures price change of Owners’ equivalent rent of primary residence (OER) and Rent of primary residence (Rent)—U.S. Bureau of Labor Statistics

Consumer Price Index – March 2021—U.S. Bureau of Labor Statistics

Table 1 (2017 – 2018 Weights). Relative importance of components in the Consumer Price Indexes: U.S. city average, December 2020—U.S. Bureau of Labor Statistics

Inflation and Debt by John H. Cochrane, Fall 2011—National Affairs

US Government Finance: Debt by Dr. Edward Yardeni and Mali Quintana—Yardeni Research, Inc.

Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis—London School of Economics and Political Science

BIS Working Papers No 902 An early stablecoin? The Bank of Amsterdam and the governance of money by Jon Frost, Hyun Song Shin, and Peter Wierts—Bank of International Settlements

EXCHANGE ARRANGEMENTS ENTERING THE 21ST CENTURY: WHICH ANCHOR WILL HOLD? by Ethan Ilzetzki, Carmen M. Reinhart, and Kenneth S. Rogoff

Related Episodes and Content

A Complete Guide to Understanding and Protecting Against Inflation

287: What Causes Hyperinflation and How To Prepare For It

295: Federal Reserve Insolvency and Monetizing the National Debt

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Why in the World Do You Own Bonds? Mar 31, 2021

Show notes

With interest rates rising does it still make sense to own bonds? Yes. This episode explores the role of bonds including why they are more effective at hedging stock losses than protective put options.

Topics covered include:

David's business and investment philosophy
How bond funds have performed in 2021
Three disparate views on the direction of interest rates from Capital Economics, Ray Dalio, and Hoisington Investment Management Company
How to invest in China bonds
Why owning bonds is cheaper and more effective at hedging stock market losses than put options
How covered call strategies work
How to decide on your allocation to bonds versus stocks

Thanks to Mint Mobile for sponsoring the episode.

For more information on this episode click here.

Show Notes

What I think, not what I thought – Jason Fried

Why in the World Would You Own Bonds When… – Ray Dalio

Explainer: Foreign access to China’s $16 trillion bond market – Reuters

The True Cost of Hedging S&P Downside - Movement Capital

Revisiting Covered Calls and Protective Puts: A Tale of Two Strategies – Bryan Foltice

Pathetic Protection: The Elusive Benefits of Protective Puts – Roni Israelov

Related Episodes

302: Investing Is Not Knowing

255: With Interest Rates Falling, Why Do You Own Bonds?

225: How To Invest in Bonds

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