Money For the Rest of Us

By J. David Stein

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Category: Investing

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Subscribers: 1534
Reviews: 4

 Jan 3, 2019

 Nov 15, 2018
I just love this podcast! David has such a wonderful way of explaining financial concepts. I appreciate his viewpoints and his willingness to share his successes and failures with investing. This is the podcast I look forward to every single week.

 Sep 20, 2018
always interesting and informative. subtily funny. can be long winded at times with complexity inaccessible to the average listener. nevertheless you will find things here not found elswhere.

 Jul 22, 2018
I like the podcast. It's interesting & informative. I get frustrated with the political ideology of the content. I've deleted the podcast, however, I have obviously returned. Keep up the hard work, I'll grit my teeth & keep listening.


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

Episode Date
How to Not Have a Lost Decade

What are four principles individuals can follow to achieve their financial and career goals this decade despite the rough start in 2020.

  • Why we have to be willing to share our journey with others so that they are vested in our story
  • Why it's important to focus on areas where we have momentum
  • How to prudently use leverage in order to build an asset
  • The importance of urgency, hope, and putting on an event so that we can achieve our business goals
  • How asset allocation and portfolio holdings differ depending on the time horizon for the pool of money
  • Why we need more control of investing outcomes when the time horizon is short

Thanks to NetSuite and Trends for sponsoring the episode.

Sep 16, 2020
No One Is Entirely A Buy and Hold Investor

What are the numerous decisions individuals have to make in managing their investments portfolios.

Topics covered include:

  • Why individual investors in order to build and preserve wealth should invest like family offices and university endowments
  • Why even buy and hold investors make portfolio changes
  • What are examples of the numerous decisions individuals have to make in overseeing their investment portfolios
  • How badly has value investing underperformed growth investing
  • How are mindset should change when it comes to investing

Thanks to Policygenius and Chili for sponsoring the episode.

Sep 09, 2020
What the Federal Reserve's New Policies Mean For Your Finances

The Federal Reserve just updated its policy tools. What impact could that have on inflation, interest rates and your investments.

Topics covered include:

  • Why is the Federal Reserve more transparent in its communication than it used to be.
  • What are the Federal Reserve's Congressionally mandated goals.
  • What are four economic developments that has caused lower inflation and motivated the Fed to adjust its strategy for achieving its goals.
  • Why inflation could be higher than the Fed's 2% target
  • What might the Federal Reserve do now that it has adjusted its strategy
  • What will it take for inflation to increase?
  • What can individuals do financially in a low return, low yield environment

Thanks to LinkedIn and Candid for sponsoring the episode

Sep 02, 2020
Did ETFs Pass the 2020 Market Collapse Stress Test?

How did ETFs function during the 2020 market sell-off and did the indexing bubble burst? What ETF structures failed the stress test and which passed.

  • Why were some investors, like Michael Burry, concerned about an indexing bubble
  • What are ETF risks such as flash crashes
  • How did equity ETFs function during the spring 2020 sell-off and how they can act as shock absorbers
  • What were some of the challenges that bond ETFs faced in March 2020
  • How the rise in bond ETFs is leading to changes in how bonds are traded
  • Why leveraged ETFs and oil-slinked ETFs failed the stress test
  • What caused the dysfunction in the U.S. Treasury market in March 2020
  • What are the advantages of ETFs and why they are still a good product for long-term investors

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

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

Aug 26, 2020
Why the Stock Market and Economy Are Rebounding So Quickly

How the current global recession differs from the Great Financial Crisis and why the recession is probably over.

Topics covered include:

  • Why the current recession has no debt and banking crisis
  • Why lower-income workers are disproportionally harmed by the current recession
  • How the federal government and central bank responses differed between the current recession and the 2008-09 recession.
  • Do increased unemployment benefits disincentivize workers
  • Why the recession is probably over, but it could take months or years to recover the lost output
  • What factors will determine the impact a Covid-19 vaccine will have on the economy

Thanks to Chili and Trends for sponsoring the episode.

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

Aug 19, 2020
Investments to Fight Financial Repression

What are some investments that can generate a cash yield greater than inflation in an era when central bank policies keep government bond yields lower than the inflation rate.

Topics covered include:

  • How low are interest rates around the world
  • What have inflation rates been and what causes inflation and deflation
  • What is financial repression
  • Why are central banks keeping short-term interest rates so low
  • What determines interest rates
  • How I-bonds work
  • Why active bond mutual funds can be helpful
  • The pros and cons of preferred stock
  • How to harvest the volatility risk premium
  • How dividend-paying stocks can help fight financial repression

Thanks to NetSuite for sponsoring the episode.

Aug 12, 2020
Coins and Cash: Shortages, Hoardings, and Threats

What is the cause of the current U.S. coin shortage and when have there been other shortages. Why is there a push to get rid of both the penny and the hundred dollar bill.

Topics covered include:

  • How many coins does the U.S. Mint produce each year and why hasn't it been enough to avert a coin shortage in 2020.
  • How the U.S. coin shortage in the early 1960s differs from today.
  • How much profit does the U.S. Mint make producing coins even though it loses money minting both pennies and nickels.
  • How often and under what circumstances do U.S. consumers pay with cash.
  • Why the U.S. penny should be discontinued.
  • Why companies and individuals are hoarding cash, mostly in one hundred dollar bills.
  • Why the existence of one hundred dollar bills would impede the effectiveness of negative interest rates in the U.S.
  • Why has the U.S. mint sold 300% more ounces of gold coins in 2020 compared to last year.

Thanks to Chili and Policygenius for sponsoring the episode.

Aug 05, 2020
Income Share Agreements - Good For Students or Investors?

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 for sponsoring the episode

Jul 29, 2020
Three Approaches to Asset Allocation

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.

Jul 22, 2020
Are Banks Safe?

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.

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

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.

Jul 01, 2020
How to Do Financial Planning

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.

Jun 24, 2020
Investing Is Not Knowing

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

Jun 17, 2020
Use Caution with Alternative Investments

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.

Jun 03, 2020
Ray Dalio and the Changing World Order

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.

May 27, 2020
Has the Pandemic Changed You?

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.

May 20, 2020
The Stock Market Is Not the Economy

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.

May 13, 2020
How to Protect Your Savings

How to protect your savings from monetary threats like devaluation. Why high yield savings accounts exist, and are they worth it.

Topics covered include:

  • Why Lebanon defaulted on its national debt and announced it will devalue its currency by 57%.
  • Why some depositors in Lebanon will probably lose some of their bank savings.
  • What investors can do to protect themselves from currency devaluations.
  • What are stablecoins and why are they useful.
  • Why some online banks pay above-average interest rates on savings accounts.
  • Why banks need to attract new deposits even though they create deposits when they make a loan.

Thanks to Mint Mobile and Policygenius for sponsoring the episode.

May 06, 2020
Why Negative Prices Exist and What They Can Teach Us

Why the oil price fell below zero and what are other examples of negative prices. What lessons can we learn from negative prices.

Topics covered include:

  • How oil futures work and why the oil future prices fell below zero for the first time ever.
  • Why has the United States Oil ETF (USO) lost so much money.
  • How ETF authorized participants create new shares only so they can be shorted.
  • How storage problems for oil and electricity can lead to negative prices.
  • How negative interest rates are another form of negative prices.
  • Why sellers will pay buyers to deliver a service to them.
  • What financial lessons can we learn from negative prices.

Thanks to LinkedIn Learning and The Investor's Podcast for sponsoring the episode.

Apr 29, 2020
Federal Reserve Insolvency and Monetizing the National Debt

How central banks can become insolvent and why it can lead to hyperinflation. What are four ways the Federal Reserve and the U.S. Treasury could monetize the national debt.

Topics covered include:

  • What are the major asset and liabilities of the Federal Reserve
  • How does the Federal Reserve make a profit and what happens if it suffers a loss.
  • How has the Federal Reserve has significantly expanded the types of assets it will hold and what are the risks.
  • What could cause the Federal Reserve and other central banks to become insolvent.
  • What are the constraints central banks face.
  • What are four ways the U.S. national debt could be monetized.
  • How investors can protect themselves against central bank insolvency.

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

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

Apr 22, 2020
How Stories Go Viral and Drive Economic Events

How the stories we tell ourselves lead to economic change. What are current pandemic related narratives that are impacting financial markets and the economy.

Topics covered include:

  • Examples of mathematical models for epidemics.
  • What are the risks when the global economy is opened again.
  • Under what circumstances do individuals rely on anecdotal evidence rather than statistics.
  • What are some propositions that underly how economic narratives spread.
  • What are some examples of major narratives that impact the economy.
  • How humans have a bias toward action and how to deal with that when the best course is to stay in place.
  • Should investors be increasing their stock exposure now that the markets are rallying and central banks are taking aggressive action.

Thanks to Policygenius and LinkedIn for sponsoring the episode.

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

Apr 15, 2020
Announcement: No Episode This Week

This is an announcement about the podcast schedule this week as a brief update on expected returns for global stocks over the next decade given the market sell-off.

Apr 08, 2020
Decision Making: Uncertainty versus Risk

What is the difference between risk and uncertainty and how our decision making approach should differ under each scenario. Why pandemics are highly uncertain and should be treated as such.

Topics covered include:

  • How the coronavirus pandemic is far worse than other pandemics this century.
  • How humans have a difficult time accepting that things won't return to normal.
  • What is the difference between risk and uncertainty.
  • How we make decisions should differ if something is uncertain versus risky.
  • What is the minimax regret approach to making decisions under uncertainty.
  • How stories help us deal with uncertainty.
  • How the story driving financial markets has changed.
  • What is the duration and severity of bear markets during a recession and how large have bear market stock rallies been.
  • What will it take for the pandemic to end and to be more confident about the future.

Thanks to Mint Mobile and Grammarly for sponsoring the episode.

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

Apr 01, 2020
Will Infinite Money Save the Economy

What central banks such as the Federal Reserve and federal governments are doing to counteract the negative impact of the pandemic related economic shutdown. What are the risks of this massive monetary and fiscal stimulus and how to mitigate those risks.

Topics covered include:

  • How central banks have the capacity to create an infinite amount of money.
  • How the Federal Reserve is using its money-printing ability to stabilize the financial system and reduce the negative impact of the pandemic related economic shutdown.
  • What are the mechanics of quantitative easing.
  • What are examples of stimulus programs during the Great Depression that didn't work because they were too focused on social engineering. 
  • How massive central bank and government stimulus could lead to inflation or deflation.
  • How inflation-indexed bonds such as Treasury Inflation Protection Securities can help reduce inflation risk, and why owning individual TIPs is particularly attractive right now.
  • Why it's okay for investors with a long time horizon to ride out the current market turmoil without reducing risk.
  • What are current and leading economic indicators suggesting about the severity of the economic shutdown and the potential for recovery.

Thanks to LinkedIn Learning and Rad Power Bikes for sponsoring the episode.

Mar 25, 2020
How To Survive the Coronavirus (Covid-19) Shutdown

How to avoid ruin and help others avoid ruin as the economy shuts down to slow the spread of the coronavirus.

Topics covered include:

  • What is the precautionary principle and how can it help us make important decisions with regards to the coronavirus pandemic.
  • How many people could be infected with Covid-19 in the next 30 to 60 days at the current daily growth rate.
  • Why investment managers are selling assets to reduce their market exposure.
  • Should individual investors be increasing or reducing their exposure to the stock market in the current market environment.
  • How recent actions by the Federal Reserve suggest they think a U.S. recession is imminent.
  • What can individuals locked down at home do to survive mentally and emotionally.
  • What we can do to help businesses avoid ruin during the pandemic crisis. 

Thanks to Netsuite and Rad Power Bikes for sponsoring the episode. Text the word RAD to the number 64-000 to get a free accessory with the purchase of a bike.

Mar 18, 2020
What Are Closed-End Funds and How Do You Invest in Them?

Why closed-end funds are David's favorite investment vehicle, particularly during market panics. What are the unique characteristics of these funds and what are successful strategies for investing them.

Topics covered include:

  • How closed-end funds differ from open-end mutual funds and ETFs.
  • Why most closed-end funds are bond funds and use leverage.
  • Why closed-end funds can sell at large discounts and premiums.
  • What are managed distribution programs.
  • How to evaluate and select closed-end funds.
  • What is the Income Factory approach to closed-end fund investing.

Thanks to LinkedIn and The HPScast for sponsoring the episode.

Mar 11, 2020
Market Timing Versus Time in the Market

Why most investors practice both market timing and time in the market. Why it is okay to reduce stock exposure given the coronavirus pandemic threat.

  • What would a stock portfolio return that misses the best or worst days and how likely is that.
  • How do rolling 30-year stock returns differ depending on the starting point.
  • Why are stocks likely to outperform bonds over the next 30 years.
  • What is sequence of return risk. 
  • What is market timing.
  • Why long-term investors should never move completely out of the stock market, but it is still okay to adjust stock exposure based on market conditions.
  • What are some additional rules of thumb for market timing.
  • How the coronavirus pandemic has increased financial and economic risks and what to do about it.

Thanks to Policygenius and Mint Mobile for sponsoring the episode.

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

Mar 04, 2020
Will Early Retirements Crash the Economy

Almost half of Millennials want to retire early. Will that hurt economic growth? There were similar concerns in the 1920s that early retirement would wreck the economy. In fact, there was significant pushback against retiring at all due to fears retirements would destroy the economy. Yet, the Great Depression still came. In this episode, we consider what ended the Roaring Twenties, caused the Great Depression, and how early retirements impact the economy. 

Topics covered include:

  • What is the paradox of thrift and how does it apply to early retirement.
  • Why the 1920s were called the Roaring Twenties.
  • Why the work culture in the 1920s was for workers to not retire, but "die in the harness."
  • What caused the Great Depression.
  • How economies and job markets adapt over time.
  • How waves of early retirements could change the economy.

Thanks to LinkedIn Learning and Vistaprint for sponsoring the episode. Use promo code David to get free shipping from Vistaprint.

Feb 26, 2020
What Causes Hyperinflation and What To Do To Prepare For It

What factors lead to hyperinflation, why it is so devastating, how hyperinflation can be overcome and what can individuals do to be prepared for hyperinflation.

Topics covered include:

  • What causes inflation and how do central banks manage it.
  • How the causes of hyperinflation differ from more normal levels of inflation.
  • What is the biggest challenge of living in a country with hyperinflation.
  • How Zimbabwe and other countries were able to overcome hyperinflation and how Venezuela is slowly taking steps to combat hyperinflation.
  • Why Zimbabwe is again experiencing high inflation.
  • How individuals can protect against inflation.
  • What individuals can do to prepare for hyperinflation in case it comes.

Thanks to Netsuite and Policygenius for sponsoring the episode.

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

Feb 19, 2020
Coronavirus and the Financial Impact of Pandemics

How pandemics have impacted the economy and financial markets. Where does the coronavirus rank in severity compared to other pandemics. What portfolio changes, if any, should investors make in response to the coronavirus pandemic.

Topics covered include:

  • Definition of a pandemic
  • The worst pandemics in the 20th and 21st centuries
  • What are the factors in determining the severity of the coronavirus' impact
  • What are the economic ramifications of the coronavirus.
  • How did financial markets perform during previous pandemic episodes.
  • Are there portfolio changes investors should make in response to the coronavirus

Thanks to Policygenius and LinkedIn Jobs for sponsoring the episode.

Feb 05, 2020
Money Is Debt

How most money, such as currency, bank deposits, money market mutual funds, and repurchase agreements, is really short-term debt, often backed by other debt. As a result, money is subject to runs when investors lose confidence and don't want to own it. That can lead to financial crises.

Topics covered in this episode include:

  • How counterfeiting currency works.
  • Why most money is debt backed by debt.
  • How a loss of confidence in money leads to bank runs and other financial crises.
  • How demand for U.S. Treasuries as collateral is keeping interest rates low even though the U.S. federal budget deficit is growing.
  • Why the Federal Reserve is considering capping interest rate yields on U.S. Treasuries and what are the risks of doing so.
  • What can individuals do to protect themselves against financial crisis caused by runs on banks and financial securities.

Thanks to Vistaprint for sponsoring the episode. Use promo code: "david" to get free shipping. Also thank you to The Bouqs Company for sponsoring the show. Use promo code: "david" to get 25% off.

Jan 29, 2020
We Are All Financially Vulnerable

How to protect against financial hardship and assist others who are struggling financially.

Topics covered include:

  • Why are so many families leaving Central America and seeking to enter the United States.
  • How have U.S. immigration patterns changed.
  • Why immigration leads to higher economic growth.
  • Why unsheltered homelessness is increasing around the world and what strategies have been effective in reducing homelessness.
  • What can individuals do to assist the homeless and others who are in financial distress.

Thanks to The Bouqs Co. for sponsoring the episode. Use code: david. Also thanks to Policygenius for being a long-time sponsor of the show.

Jan 22, 2020
Why You Should Care About Carry Trades

How investors make money with carry trades, how central banks encourage such trades, and what are the dangers to financial markets and the economy when carry trades get too big.

Topics covered include:

  • Why are the attributes and examples of carry trades.
  • Why do carry trades exist even though investors can suffer massive losses.
  • What was Volmageddeon and Francogeddan.
  • How central banks are the largest carry traders and their actions encourage even more carry trades.
  • Why carry trades are deflationary and lead to systemic risk.
  • What should individual investors do about carry trades and how to take advantage of carry crashes.

Thanks to Robinhood and NetSuite for sponsoring the episode

Jan 15, 2020
Is GDP the Best Measure of Happiness and Well-being?

What factors determine the well-being of an individual or nation and why gross domestic product is an inadequate measure of prosperity.

Topics covered include:

  • Evidence many Americans are poorer than before the Great Recession.
  • Why life expectancy in the U.S. is falling.
  • How satisifiedare U.S. citizens.
  • What is GDP and why is the U.S. Bureau of Economics developing a new methodology
  • What are the flaws with GDP and why does it fall short in measuring well-being.
  • Which countries around the world are the most and least happy and what are the factors that contribute to that happiness.
  • Why were U.S. founding fathers worried about too many luxuries.
  • How the U.S. in the 19th century followed the same manufacturing model that China does today.

Thanks to Policygenius and LinkedIn for sponsoring the episode.

Jan 08, 2020
Four Forces That Will Shape the Next Decade

How climate change, money, trust and technology will interact to impact financial markets and the economy in the coming decade.

Topics covered include:

  • Why we change much more over a decade's time than we predict.
  • What is the best approach for transitioning to a new career.
  • What have stocks and bonds returned over the past decade and what are reasonable return expectations for the decade ahead.
  • Examples of how the impact of climate change is being priced into financial transactions.
  • Why Ray Dalio thinks the world has gone mad and the system is broken.
  • Why uncertainties regarding the creation, use and borrowing of money will be reflected in interest rates.
  • How trust and technology will impact global trade and productivity growth.

Thanks to Cove and Sleep Number for sponsoring the episode.

Dec 18, 2019
Travel and the Trust Economy

How is it the global economy still functions even though most individuals do not trust brands, public institutions or each other.

Topics covered in this episode include:

  • The low level of interpersonal trust around the world
  • What is social capital and how it facilitates a trust economy.
  • What are the incentives that encourage individuals and businesses to produce goods and services rather than steal from each other.
  • How does trust impact economic growth.
  • Does traveling harm or help local residents.

Thanks to Masterworks and LinkedIn for sponsoring the episode.

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

Dec 11, 2019
Why All Retirees Should Consider an Income Annuity

How a safety-first retirement approach using income annuities is more predictable and takes less money than depending entirely on your investment portfolio to fund your retirement.

Topics covered include:

  • The difference between a safety-first and probability-based approached to retirement.
  • How income annuities work.
  • Why setting a sustainable retirement withdrawal rates requires planning for below average market returns and above average life expectancy.
  • How using an income annuity and other guaranteed income to fund basic living expenses means not having to set a sustainable withdrawal rate.
  • How long can retirees expect to live.
  • Why most retirement portfolios are not as liquid as retirees think.
  • Why are retirees hesitant to use income annuities and how to overcome the fear of doing so.

Thanks to Policygenius and Vistaprint for sponsoring the episode. Use code David50 for Vistaprint.

Dec 04, 2019
You Have Permission to Spend

Two Money For the Rest of Us podcast listeners are struggling with spending money. The first listener is 22 and lives in Canada. He feels as if his money is going everywhere such as saving for a house, car, and retirement, but very little goes to things he enjoys.

The second listener is 46 with a $2 million net worth, but in his case, he finds he doesn’t enjoy spending money on himself. He is willing to spend money on his wife and two children, but he still finds himself feeling tight, fearful and worried about money and his business, even though he has plenty of wealth and is close to his goal of financial freedom.

In this podcast episode, we consider the standard these listeners should use to determine how much to spend on themselves.

Topics covered include:

  • The most difficult part of figuring out how much is enough.
  • What is the Voluntary Simplicity movement and how can it help us decide where to spend our money.
  • What is the difference between comforts and luxuries.
  • What is the difference between joy and pleasure.
  • What is a simple filter we can use to determine where to spend money.

Thanks to Masterwork and NetSuite for sponsoring the episode.

Nov 20, 2019
How ETFs Are Changing

How regulatory changes could lead to a boom in new ETFs, including actively managed ETFs. Why ETFs continue to be one of the most innovative, cost effective and tax efficient investment vehicles.

Topic covered include:

  • How big is the ETF market relative to mutual funds.
  • What are the benefits of ETFs that have allowed them to gain market share from mutal funds.
  • What are some of the negatives with ETFs.
  • What has changed to make it easier for sponsors to launch new ETFs.
  • How do non-transparent actively managed ETFs work.
  • What are some examples of more complicated, outcome-based ETFs.

Thanks to LinkedIn and SleepNumber for sponsoring the episode.

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

Nov 13, 2019
Don't Retire, Settle Instead

How to find your unique work that can bring satisfaction and income before and during the traditional retirement years.

Topics discussed in this episode include:

  • What is settled work.
  • Why you need time and space to find and do your best work.
  • What is a commonplace book and why it can be helpful.
  • How filters and saying no can help us control our time.
  • The important role of serendipity in finding our path.

Thanks to The Great Courses Plus and Vistaprint (use code David50) for sponsoring the episode.

Nov 06, 2019
Are You Over Diversified?

Is it possible to be too diversified and how can you tell? Why Warren Buffet thinks diversification is protection against ignorance.

Topics covered include:

  • The skills you need to be able to select individual stocks.
  • How have active managers outperformed relative to passive indexing products.
  • How much diversification is too much and a test to determine if one is over diversified.
  • What is factor investing and which factors have worked over the past 200 years.

Thanks to LinkedIn and Policygenius for sponsoring the episode.

Oct 30, 2019
BONUS - Audiobook Excerpt from Money for the Rest of Us: 10 Questions to Master Successful Investing

David's book Money for the Rest of Us: 10 Questions to Master Successful Investing is now available (at least the e-book version). To celebrate, here is a bonus episode with excerpts from the forthcoming audiobook.

Please enjoy the Introduction and Chapter One.

Also, as part of the book launch, David will be hosting an Ask Me Anything (AMA) on Reddit on Wednesday, October 30, 2019 at 1PM Eastern time. Please join us.

Oct 25, 2019
10 Questions To Master Successful Investing

What are the timeless principles we can follow in order to become better investors. 

Topics covered in this episode include:

  • How a book's permanence makes it different from a podcast.
  • How David's book got written and published and why his publisher just recalled the hardcover version of the book.
  • What are the 10 questions we should answer before we invest in anything.

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

Oct 23, 2019
What is an ETN? - Understanding Exchange Traded Notes

What are the benefits and risks of investing in exchange-traded notes (ETNs) compared with ETFs.

Topics covered include:

  • How big is the market for ETNs compared with ETFs.
  • How ETNs can do a better job tracking their target index than ETFs.
  • Why ETNs can be more tax-efficient than ETFs..
  • How ETNs have counterparty risk, pricing risk, and liquidity risk.
  • Under what circumstances would an ETN be preferred over an ETF.

Thanks to WIX and Policygenius for sponsoring the episode.

Oct 16, 2019
Is Inflation Measured Wrong?

Why some analysts believe the Consumer Price Index formula understates inflation while others believe the CPI formula overstates inflation. What really matters to us individually when it comes to inflation.

Topics covered in this episode include:

  • What is inflation and what causes it.
  • How is the Consumer Price Index calculated and how has the CPI formula changed over time.
  • What are examples of different CPI measures.
  • Why do some analysts believe U.S. inflation is higher than what CPI states while others believe inflation is lower than what the Consumer Price Index shows.
  • How inflation calculations impact the measurement of other economic data such as the rate of poverty and the growth in real wages.
  • What are consumer attitudes toward inflation and why do central banks worry about changes in household and business inflation expectations.
  • How individuals can monitor and improve their cost of living.

Thanks to Sleep Number and Money For the Rest of Us Plus for sponsoring the episode.

Oct 09, 2019
Financial Independence Is a Choice

Why true financial independence means eliminating financial vulnerability including not being overly reliant on stock market appreciation.

Topics covered in this episode include:

  • What does it mean to be financially vulnerable.
  • What are the two paths to financial independence.
  • Why we shouldn’t stake our financial independence and early retirement on the historical performance of stocks and bonds.
  • What are the rules of thumb we can use to develop reasonable assumptions for stocks and bonds and how those assumptions will lead to lower portfolio balances compared to using historical returns.
  • What has historical earnings growth been for U.S. stocks.
  • Why stock buybacks will be less in the future due to high debt balances unless companies grow their revenues and overall earnings.
  • How are actions lead to financial independence even when it is difficult.

Thanks to Vistaprint and WIX for sponsoring the episode.

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

Oct 02, 2019
Repo Rates Soared—Here's Why It Matters

How a liquidity crunch in the short-term lending markets sent interest rates soaring. Why this is a huge blunder on the part of the Federal Reserve, and what it means for us as individual investors.

Topics covered in this episode include:

  • What are repurchase agreements and how are they used to finance U.S Treasuries.
  • How outflows from money market funds and hoarding by banks led to a liquidity crunch that caused repo rates to spike to 10%.
  • Why banks are hoarding reserves held at the central bank even though there are over $1.4 trillion of them, up from $20 billion in 2007.
  • How quantitive easing increases reserves and quantitative tightening reduces reserves.
  • How the Federal Reserve was able to stop the disruption in the repo market, even though the central bank was caught off guard and could have prevented it.
  • How individual investors can protect themselves from unintended consequences arising from the unconventional policies and experiments being conducted by the Federal Reserve and other central banks.

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

Sep 25, 2019
How the Public Sector Pension Crisis Will Impact You

Why most state and municipal pension plans are underfunded and why that could lead to higher taxes and reduced government services. Why participants in state government retirement systems have greater protection against benefit cuts than participants in municipal retirement systems.

Topics covered include:

  • How defined benefit plans work.
  • Why there is more subjectivity regarding valuing a pension plan's liabilities compared with its assets.
  • What does it mean for a pension plan to be underfunded, and why are so many public sector pension plans in that situation.
  • Under what circumstances can a pension plan cut benefits to beneficiaries.
  • Why underfunded pension plans will most likely lead to higher taxes and reduced government services.

Thanks to WIX and Peloton for sponsoring the episode.

Sep 18, 2019
How to Better Manage Risk

What are the three steps to better manage risk and get what you really want.

Topics covered in this episode include:

  • Why goods and services that lessen risk tend to cost more.
  • What is the three-step process for assessing and managing risk.
  • Why defining the risk-free option or asset is critical to managing risk.
  • Why immediate annuities are the retirement risk-free option rather than a conservative investment portfolio.
  • What are the two types of risk and how do we mitigate them.
  • What is the difference between hedging and insuring against risk.

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

Sep 11, 2019
How Capitalism Gets Off Track
Sep 04, 2019
Using Momentum Investing and Trend Following
Aug 28, 2019
Invest Like a Tesla
Aug 21, 2019
What Happens If U.S. Interest Rates Turn Negative?
Aug 14, 2019
Should You Invest In Gold?
Aug 07, 2019
Better Not Bigger, Circular Not Linear - How the Global Economy Is Changing
Jul 31, 2019
Is Value Investing Dead?
Jul 24, 2019
Is This Why Interest Rates Are Falling and the Global Economy Slowing?
Jul 17, 2019
Will The Libra Cryptocurrency Revolutionize Money?
Jul 10, 2019
How Financialization Pushes Up Home Prices
Jun 26, 2019
It’s Not Just Wealth That Compounds
Jun 19, 2019
Will Artificial Intelligence (AI) Change Investing?
Jun 12, 2019
With Interest Rates Falling, Why Do You Own Bonds?
Jun 05, 2019
Should You Be 100% Invested In Stocks?
May 29, 2019
Are IPOs the New Ponzi Scheme?
May 22, 2019
How To Become Wealthy
May 15, 2019
Impact Investing and Intentionality
May 08, 2019
Investment Rule One—Avoid Ruin
Apr 24, 2019
Should You Invest in India?
Apr 17, 2019
How to Avoid Investment Fraud
Apr 10, 2019
More Indexes, ETFs and Manager Skill, but Less Alpha
Apr 03, 2019
What Central Banks Don’t Know Should Concern You
Mar 27, 2019
Is College Worth It?
Mar 20, 2019
Are You Spending Too Much? (FIRE Edition)
Mar 13, 2019
Do You Have Enough to Retire? (FIRE Edition)
Mar 06, 2019
Should You Let Warren Buffett Manage Your Money?
Feb 27, 2019
Do Budget Deficits Matter? Modern Monetary Theory Explained
Feb 20, 2019
Three Financial Lessons from Thoreau
Feb 13, 2019
How to Be a Successful Trader
Feb 06, 2019
The U.S Is More Socialist Than Denmark with Home Mortgages
Jan 30, 2019
Brexit Is A Mess—Lessons Learned
Jan 23, 2019
How Investors Cope With Radical Uncertainty
Jan 16, 2019
What If Home Prices Always Fell
Jan 09, 2019
Index But Don't Herd
Dec 19, 2018
Is An Emerging Markets Crisis Imminent?
Dec 12, 2018
Is It Time To Invest In Commodities?
Dec 05, 2018
What Determines How Much You Make
Nov 28, 2018
Use Caution With Real Estate Crowdfunding
Nov 14, 2018
Stop Maximizing Your Returns Using Modern Portfolio Theory
Nov 07, 2018
How Tokenization Will Radically Change Investing
Oct 31, 2018
How To Teach Children About Money
Oct 24, 2018
How To Spot Asset Bubbles and What To Do About Them (The Case of Cannabis)
Oct 17, 2018
How To Invest In Bonds and Other Fixed Income Securities
Oct 10, 2018
Mastering the Market Cycle—New Book by Howard Marks
Oct 03, 2018
How To Invest When You Have Little Money
Sep 26, 2018
Why We Overpay and How It Leads To Income Inequality
Sep 19, 2018
Should You Prepare For The Next Financial Crisis?
Sep 12, 2018
Where Should You Invest Your Cash Savings?
Sep 05, 2018
The Incredible Shrinking Stock Market
Aug 29, 2018
Is China or the U.S. More Vulnerable?
Aug 22, 2018
Rebalancing, Overvaluation, Market Timing, and Stock Splits
Aug 15, 2018
Avoid This Investment: P2P Lending
Aug 08, 2018
Is A Dollar Collapse Coming?
Aug 01, 2018
Should You Trade Currencies (Forex) Like Soros?
Jul 25, 2018
Why Health Insurance Is A Mess
Jul 18, 2018
Trade Wars Increase Prices and Poverty
Jul 11, 2018
How To Navigate A Housing Bubble
Jun 27, 2018
Are There Always Winners and Losers When Trading?
Jun 20, 2018
Why Bother Investing Internationally?
Jun 13, 2018
The Biggest Market Crash Is Recyclables
Jun 06, 2018
How Do The Mega Rich Invest?
May 30, 2018
Be Bear Aware of Bank Loans
May 23, 2018
Is The Federal Reserve Really Printing Money?
May 16, 2018
Why Are Investment Returns So Low?
May 09, 2018
Is Investing More Like Poker or Chess?
May 02, 2018
Will Your Next Car Be Electric?
Apr 25, 2018
Is Your Portfolio Unbalanced?
Apr 18, 2018
The Great National Debt Debate
Apr 11, 2018
What Kind of Money Is It?
Apr 04, 2018
Capitalism Is Creation
Mar 28, 2018
The Power of Less and Local
Mar 21, 2018
How To Survive Financially
Mar 14, 2018
Has A Trade War Begun?
Mar 07, 2018
Four Investment Lessons From Warren Buffett
Feb 28, 2018
Why Plan If Life Is So Unpredictable?
Feb 21, 2018
Is Anything Scarce Anymore?
Feb 14, 2018
Has The Bond Bear Market Begun?
Feb 07, 2018
How To Keep Up With Inflation
Jan 31, 2018
Should The Minimum Wage Be Raised?
Jan 24, 2018
Should You Pay Off Debt Or Invest?
Jan 17, 2018
Do You Have Dollars and Sense?
Jan 10, 2018
Why Do We Pay Taxes?
Jan 03, 2018
Introducing Topics by Money For the Rest of Us
Dec 27, 2017
A Conversation On Retirement With Jason Parker - Year End Special
Dec 20, 2017
Are U.S. States Just Like Greece?
Dec 13, 2017
Massive Job Losses Are Inevitable But There Will Still Be Work
Dec 06, 2017
How To Invest In Commercial Real Estate
Nov 29, 2017
Was Tulipmania Just Like Bitcoin?
Nov 22, 2017
Does Illegal Immigration Help or Hurt the Economy?
Nov 15, 2017
Can You Outperform Harvard's Endowment?
Nov 08, 2017
Free Markets and the Great Famine
Nov 01, 2017
Japan the Impact of a Shrinking Population
Oct 25, 2017
How Business Contributes To Income Inequality
Oct 18, 2017
Are 60 Percent of Americans Insolvent?
Oct 11, 2017
How To Conduct Investment Due Diligence
Oct 04, 2017
Navigating Modern Life Like The Amish
Sep 27, 2017
Should You Invest Based On Economic Cycles?
Sep 20, 2017
Equifax Aftermath—Should You Freeze Your Credit To Protect Against Identity Theft?
Sep 13, 2017
The Extraordinary Impact of Cities
Sep 06, 2017
Are Financial Markets Efficient?
Aug 30, 2017
Eclipse Special: The Sound of the Totality From Idaho
Aug 23, 2017
The Debt Ceiling—What Happens If the U.S. Defaults
Aug 16, 2017
Is Life More Difficult For Millennials?
Aug 09, 2017
Is Bitcoin Better At Money Than The Dollar?
Aug 02, 2017
Do We Really Need Growth?
Jul 26, 2017
Why Do We Invest? It's Not Just For Return
Jul 19, 2017
Optionality—When To Keep Your Options Open and When To Commit
Jul 12, 2017
Vacation Special: A Conversation With Roger Whitney, The Retirement Answerman
Jul 05, 2017
Is There An Indexing Bubble?
Jun 28, 2017
Is Inflation A Good Thing?
Jun 21, 2017
What You Need To Know About Retirement Calculators
Jun 14, 2017
Why Ethical Consumption Is Myth
Jun 07, 2017
Vacation Special: A Conversation with Michael Port
May 31, 2017
What You Need To Know About Volatility
May 24, 2017
How To Invest Like A Cockroach
May 17, 2017
The Most Important Economic Question Of Our Time
May 10, 2017
Your Job Or Half Your Business Could Be Gone Tomorrow
May 03, 2017
Clues To The Next Financial Crisis
Apr 26, 2017
Do Homeowner Tax Breaks Cause Homelessness?
Apr 19, 2017
Will Social Security Go Bankrupt?
Apr 12, 2017
You Know Less Than You Think
Apr 05, 2017
Amazon Impacts Everything
Mar 29, 2017
Finding Your Perfect Match
Mar 22, 2017
Do You Have Enough To Retire?
Mar 15, 2017
Is Your Financial Advisor Loyal To You?
Mar 08, 2017
Is Infrastructure A Good Investment?
Mar 01, 2017
How To Decide What To Buy
Feb 22, 2017
People Like Us Invest Like This
Feb 15, 2017
Trade Deficits Aren't Always Bad. Trade Wars Are
Feb 08, 2017
Are You Investing, Speculating or Gambling?
Feb 01, 2017
Why Are Some Nations Wealthier Than Others
Jan 25, 2017
The Universal Law You Need To Overcome To Thrive
Jan 18, 2017
How Climate Change Could Impact Your Investments and Your Life
Jan 11, 2017
Are You Making Fear-based Financial Decisions?
Jan 04, 2017
Year End Special - Live From Fincon - What I Learned Investing in 2016
Dec 28, 2016
Should You Sell Your Stocks Before Trump Takes Office?
Dec 21, 2016
Is the American Dream Dead?
Dec 14, 2016
Filter By Asset Class - Featuring Preferred Stocks
Dec 07, 2016
Embrace the Messiness
Nov 30, 2016
It's Just Money
Nov 23, 2016
Interest Rates Are Rising. Four Things You Can Do.
Nov 16, 2016
Trump Wins. Now What?
Nov 09, 2016
Is This The Creepiest Investment Ever?
Nov 02, 2016
Should You Buy A Vacation Home?
Oct 26, 2016
Finding Simplicity On Other Side of Complexity
Oct 19, 2016
Is There Too Much Savings?
Oct 12, 2016
Investing Is Wayfinding
Oct 05, 2016
Where Federal Money Flows
Sep 28, 2016
Is The Economy Really Doing That Poorly?
Sep 21, 2016
Build Your Inventory, Discover Your Theme
Sep 14, 2016
Why Health Insurance Premiums and Prescription Drug Prices Are Exploding
Sep 07, 2016
Why Negative Interest Rates Are Dangerous
Aug 31, 2016
What If Everyone Starts Indexing?
Aug 24, 2016
Lao Tzu on Living and Investing
Aug 17, 2016
Investing Won't Make You Rich
Aug 10, 2016
Are Renewable Energy ETFs A Good Investment?
Aug 03, 2016
The Retirement Journey
Jul 27, 2016
Why Investors Can't Ignore China
Jul 20, 2016
How To Get Financially Unstuck
Jul 13, 2016
Vacation Special: Investing In Your Family
Jul 06, 2016
Money Is Cheap, Freedom Is Expensive
Jun 29, 2016
Brexit and the Economics of Immigration
Jun 22, 2016
Your Retirement Depends On Robots
Jun 15, 2016
How To Be A Minimalist Investor
Jun 08, 2016
How To Protect Yourself From Bail Ins
Jun 01, 2016
Money Is A Time Machine
May 25, 2016
Investing in Real Estate Via Crowdfunding Platforms
May 18, 2016
Work, Freedom, and Leaving A Legacy
May 11, 2016
How Worried Should You Be About the National Debt?
May 04, 2016
How Corporate Profits Drive Stock Returns
Apr 27, 2016
Is It Possible To Win At Trade?
Apr 20, 2016
How To Reenter the Stock Market
Apr 13, 2016
What It Takes To Be A Value Investor
Apr 06, 2016
Why Markets and Economies Are Ceaselessly Creative and Radically Unpredictable
Mar 30, 2016
Navigating a Negative Carry World
Mar 23, 2016
Money Is Story
Mar 16, 2016
Why You Need A Lifestyle Business
Mar 09, 2016
The Great Financial Crisis
Mar 02, 2016
Five Wealth Lessons From A Stoic
Feb 24, 2016
Keep Investing Simple
Feb 17, 2016
How Money Is Created and Destroyed
Feb 10, 2016
Capitalism, Complexity, and Cuba
Feb 03, 2016
What Robo-advisors Recommend
Jan 19, 2016
Demography Rules
Jan 13, 2016
The True Cost and What It Takes To Be Retired
Jan 06, 2016
How To Outperform The Market Without Predicting The Future
Dec 30, 2015
Are You A Stock Or A Bond?
Dec 23, 2015
Is This Normal?
Dec 16, 2015
Don't Be A Commodity
Dec 09, 2015
Are You Home Country Biased?
Dec 02, 2015
Money Is Trust
Nov 25, 2015
Please Save More
Nov 18, 2015
Asset Returns When The Fed Raises Rates
Nov 11, 2015
When Booms Turn To Busts
Nov 04, 2015
Investing Means Getting Lost
Oct 28, 2015
Lump Sums and Life Insurance
Oct 21, 2015
What If The Economy Stopped Growing Permanently
Oct 14, 2015
Does Ethical Investing Outperform the Market?
Oct 07, 2015
Should You Lend To Your Peers?
Sep 30, 2015
We Have To Invest Somewhere
Sep 23, 2015
Capital Flows Where It's Treated Best
Sep 16, 2015
Why You Shouldn't Trade
Sep 09, 2015
Will A Robot Take Over Your Job?
Sep 02, 2015
Please Don't Panic
Aug 26, 2015
Rule #1 and the Investor's Journey
Aug 19, 2015
Do You Feel Financially Trapped?
Aug 12, 2015
Why The Middle Class Is Stagnating
Aug 05, 2015
When Investments Lose Money
Jul 29, 2015
Impermanence and Winning by Not Losing
Jul 22, 2015
Greece—What Really Caused the Crisis and Why It Never Ends
Jul 15, 2015
The Pitfalls of Private Real Estate Investing
Jul 08, 2015
Alarmists and the Economics of Collapse
Jul 01, 2015
What Dying Bees Can Teach Us About Asset Bubbles and Income Inequality
Jun 24, 2015
How Much Should You Spend In Retirement?
Jun 17, 2015
Are You Hoarding Or Investing?
Jun 10, 2015
Is Gold Money?
Jun 03, 2015
Are ETFs and Indexing Becoming Too Popular?
May 26, 2015
Live Like A Local When Traveling
May 20, 2015
Why We Need Volatility
May 13, 2015
Are You Financially Fragile or Antifragile?
May 06, 2015
Do You Live To Work Or Work To Live?
Apr 29, 2015
Should You Invest In Bitcoin?
Apr 22, 2015
Why are interest rates so low, even negative in some places?
Apr 15, 2015
Is Deflation Coming?
Apr 08, 2015
Navigating Early Retirement
Apr 01, 2015
Is Money Dying?
Mar 25, 2015
Do You Have Too Little Invested In Stocks?
Mar 18, 2015
Should You Invest For Income Or Total Return
Mar 11, 2015
Discover Your Investment Style
Mar 04, 2015
Funding the Start Up of You
Feb 25, 2015
Should You Pay Off Your Mortgage
Feb 18, 2015
What Drives Home Prices?
Feb 11, 2015
All Countries Are Insolvent and That's A Good Thing
Feb 04, 2015
The Cult of Overwork
Jan 28, 2015
Should You Invest In Commodities?
Jan 21, 2015
What Drives Currency Exchange Rates
Jan 14, 2015
How To Invest Like A Hedge Fund
Jan 07, 2015
Gold—Without the Hype and Politics
Dec 31, 2014
How Wealthy Are You?
Dec 24, 2014
Investment Performance—What You Need To Know
Dec 17, 2014
Investing Rules of Thumb
Dec 10, 2014
To Retire Early, Mind the Gap
Dec 03, 2014
Die Broke
Nov 26, 2014
The Role of Luck In Success
Nov 19, 2014
Are You Sure You're Diversified?
Nov 12, 2014
Quantitative Easing—A Big, Fat, Dangerous Placebo
Nov 05, 2014
Live By Your Own Financial Rules
Oct 29, 2014
What Is The Right Price?
Oct 22, 2014
Why Are Stocks Falling?—A Story
Oct 15, 2014
Are You A Materialist?
Oct 08, 2014
Timeshares, Preppers and, Permanent Portfolios
Oct 01, 2014
Smart Beta—What Is It and Should You Use It?
Sep 24, 2014
Will Interest Rates Ever Increase?
Sep 17, 2014
Investing Without A Map
Sep 10, 2014
How To Allocate Your Assets
Sep 03, 2014
Live Like You're Already Retired
Aug 27, 2014
Which Investment Vehicles Should You Use?
Aug 20, 2014
Why China Matters To Your Pocketbook
Aug 13, 2014
The World Is Getting More Risky
Aug 06, 2014
Stop Worrying About the Next Market Crash
Jul 30, 2014
Are You A Complacent Investor?
Jul 23, 2014
Are You Saving Enough To Retire Early?
Jul 16, 2014
Currency Trading, Petrodollars and Monetary Collapse
Jul 09, 2014
Bank Runs, Repos, and Your Retirement
Jul 02, 2014
You'll Never Be Rich, But You Can Live Like You Are
Jun 26, 2014
What Investment Rate of Return Can You Expect?
Jun 19, 2014
What If Everyone Worked Only Four Hours Per Day?
Jun 12, 2014
Predicting the Economy and the Stock Market. Can It Be Done?
Jun 06, 2014
Why You Should Care About the Economy
May 30, 2014
The True Cost of a Thing
May 20, 2014
Seesaws, Budget Deficits, and the National Debt
May 19, 2014
Should You Invest In Individual Stocks?
May 18, 2014
What Causes Inflation and Deflation?
May 17, 2014
What Is Money?
May 15, 2014