Money For the Rest of Us

Latest Episodes:

Income Share Agreements - Good For Students or Investors? Jul 29, 2020

Show notes

What are the pros and cons of income share agreements for partially funding higher education. Are investing in ISA's a viable opportunity?

Topics covered include:

How do income share agreements (ISAs) differ from student loans for funding higher education costs.
Are ISA's really a partial form of slavery or indentured servitude
What are the components of an ISA contract.
How adverse selection, differential pricing, moral hazard, and a lack of regulation pose challenges to income share agreements.
What is an internal rate of return and why is it the best metric for estimating the return of investing in ISAs.
How students should evaluate ISA's relative to loans.
What are some pricing examples for specific ISAs
What options exist for investing in ISAs.

Thanks to LinkedIn Jobs and Trends.co for sponsoring the episode

For show notes and more information on this episode click here.

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

Three Approaches to Asset Allocation Jul 22, 2020

Show notes

What are the three primary ways to allocate assets and build a portfolio when saving for retirement or living in retirement.

Topics covered include:

How saving for retirement and living in retirement differ.
What are the expected return and risk of the Permanent, Golden Butterfly, and All Season portfolios.
What are the pros and cons of a role-based permanent portfolio.
What are the pros and cons of a strategic portfolio mix, such as the Bogleheads Three Fund Portfolio
What are the pros and cons of an adaptive asset garden portfolio.

Thanks to NetSuite and The Great Courses Plus for sponsoring the episode.

For show notes and more information on this episode click here.

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

Are Banks Safe? Jul 15, 2020

Show notes

Is a bank collapse coming due to bank exposure to collateralized loan obligations as defaults increase?

Topics covered include:

What are collateralized loan obligations (CLOs), how are they structured, and what has been their historical default rates.
How much exposure do banks have to CLOs and will it impact your bank savings and investments.
What are bank capital ratios and how are they calculated.
How banks are more conservatively run due to the adoption of the Basel III regulatory framework.
What are bank stress tests and how have they performed.
Why the Federal Reserve just capped dividends for the largest U.S. banks.
How many U.S. banks have failed during the pandemic crisis compared to the Great Financial Crisis.

Thanks to Simplifi and Policygenius for sponsoring the episode.

For show notes and more information on this episode click here.

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

A 15% Guaranteed Return? Lending on the Fringes of Finance Jul 01, 2020

Show notes

An analysis of the returns and risks of different lending platform options including asset-based lending, unsecured peer-to-peer lending, cryptocurrency lending and a cash advance company that promises to pay a 15% annual percentage yield.

Topics covered include:

U-haul Investors Club and other asset-based lending options
DriverLoans Investor Club that promises a 15% guaranteed return
BlockFi - cryptocurrency lending with yields over 8%
LendingClub and why returns are only 4% to 5%
The economics of cash advance and payday loan lending businesses

Thanks to LinkedIn and Aspiration for sponsoring the episode. Text the word David to 64000 to open an Aspiration Save and Spend Account.

For show notes and more information on this episode click here.

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

How to Do Financial Planning Jun 24, 2020

Show notes

Why individuals should use a more agile approach to investing and financial planning.

Topics covered include:

How to incorporate low probability catastrophic events in your financial plans.
How traditional financial planning differs from agile financial planning.
Why we need to test-drive our financial plans.
How too much efficiency can lead to a lack of resilience.
How David's portfolio is allocated using a role-based flexible bucket approach.

Thanks to Policygenius and The Great Courses Plus for sponsoring the episode.

For show notes and more information on this episode click here.

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

Investing Is Not Knowing Jun 17, 2020

Show notes

How successful investing requires judgment and humility not accurate forecasting ability.

Topics covered include:

Why pretending to know when you don't is harmful.
Why true experts admit their limitations.
Why David recently increased his allocation to stocks in his portfolio.
How the number of new retail brokerage accounts has exploded.
How the stock of the bankrupt company Hertz is a great example of how not to invest.
What is privilege and what should we do about it.

Thanks to NetSuite and Aspiration for sponsoring the episode. To open your Aspiration Spend and Save cash management account, text DAVID to 64-000

For show notes and more information on this episode click here.

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

Use Caution with Alternative Investments Jun 03, 2020

Show notes

How alternative investment opportunities, such as venture capital, private equity, real estate and real assets, are increasing for individuals. Why these opportunities differ from what is available to institutional investors and how to evaluate them like a pro.

Topics covered include:

What are alternative investments and how are they structured.
What are 5 factors that determine alternative investment returns.
Lessons from three recent alternative investment deals including one that defaulted.
How to evaluate alternative investment opportunities.

Thanks to Simplifi and Policygenius for sponsoring the episode.

For show notes and more information on this episode click here.

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

Ray Dalio and the Changing World Order May 27, 2020

Show notes

What are the forces that lead to the rise and fall of nations. Why does the U.S. appear to be in decline and what investors can do to prepare.

Topics covered include:

An overview of Ray Dalio and Bridgewater Associates' investment process
Why human productivity is the most powerful force for creating wealth.
Additional forces that contribute to nations increasing in power and wealth.
Why being the reserve currency is an exorbitant privilege.
What are factors that indicate a nation's influence and power is in decline.
What are 5 important monetary principles all investors should understand.
What are the questions you should ask to gauge your economic well-being.
What investments should you own to prepare for a changing world order.

Thanks to LinkedIn Learning for sponsoring the episode.

For show notes and more information on this episode click here.

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

Has the Pandemic Changed You? May 20, 2020

Show notes

A look at growing patterns consumers and businesses are adopting as a result of the Covid-19 pandemic.

Topics covered include:

Two constants in a radically unpredictable world
How removing things is more powerful than adding things
How airline travel will change, leading to more local travel
Why bicycle sales are soaring
How our social interactions are changing
What is local maxima
How the forces of money, trust, technology, and climate change have played out in the aftermath of the pandemic.

Thanks to The Great Courses Plus for sponsoring the episode.

For show notes and more information on this episode click here.

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

The Stock Market Is Not the Economy May 13, 2020

Show notes

How the stock market differs from and can perform differently than the economy while remaining highly dependent on the economy for its success.

Topics covered include:

Why the stock markets in countries with lower economic growth performed better than the stock markets in countries with higher economic growth.
How the top 5 stocks in the S&P 500 Index have the largest weighting in 30 years and what will it takes for these stocks to outperform the market.
What are the largest contributors to U.S economic growth, most of which are not publicly traded.
How the U.S. government and the Federal Reserve saved the stock market.
How have stocks performed during economic recessions.
Why it is risky for investors to be dependent on the financial prospects of the largest technology stocks.

Thanks to Grammarly and Policygenius for sponsoring the episode.

For show notes and more information on this episode click here.

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

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