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Money For the Rest of Us

J. David Stein | A personal finance show on money, investing, the economy, retirement, and wealth. The world explained like on NPR: Planet Money, Freakonomics Radio, This American Life, Radiolab from WNYC, and Tim Ferriss


A personal finance show 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 insti...Show More

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236: How Investors Cope With Radical Uncertainty

26:01 | Jan 16th

How heuristics, filters and reasonable stories help us cope with radical uncertainty and make investment decisions.

235: What If Home Prices Always Fell

28:49 | Jan 9th

How to evaluate the purchase of a depreciating asset, such as buying a house in Japan where prices have declined 23 out of the past 29 years. Thanks to The Great Courses Plus, LinkedIn and Sleep Number for sponsoring the episode.

234: Index But Don't Herd

29:04 | Dec 19th, 2018

How and when to use passive indexing strategies without following the crowd. Thanks to Masterworks and Sleep Number for sponsoring the episode.

233: Is An Emerging Markets Crisis Imminent?

32:37 | Dec 12th, 2018

What is the cause of the economic crisis in Argentina and how likely is it that other developing nations will experience a similar financing crisis.

232: Is It Time To Invest In Commodities?

33:21 | Dec 5th, 2018

Why investing in commodities such as oil and gold is challenging. What you need to know before you invest.

231: What Determines How Much You Make

25:57 | Nov 28th, 2018

Why different or even the same occupations pay differently.

230: Use Caution With Real Estate Crowdfunding

33:05 | Nov 14th, 2018

With RealtyShares and other crowdfunding platforms shutting down, should you invest on these platforms and if so how do you go about evaluating the investment opportunities.

229: Stop Maximizing Your Returns Using Modern Portfolio Theory

29:56 | Nov 7th, 2018

How to decide on a portfolio mix without using modern portfolio theory.

228: How Tokenization Will Radically Change Investing

31:01 | Oct 31st, 2018

How distributed ledger technology and tokenized assets will increase liquidity, transparency and fractionalization, allowing investors to purchase very small, liquid positions in real estate, private companies, art and other assets.

227: How To Teach Children About Money

28:15 | Oct 24th, 2018

The four most important things to teach children about money.

226: How To Spot Asset Bubbles and What To Do About Them (The Case of Cannabis)

30:29 | Oct 17th, 2018

What are the characteristics of an asset bubble and how to invest when one exists.

225: How To Invest In Bonds and Other Fixed Income Securities

34:36 | Oct 10th, 2018

How to evaluate interest rate risk, credit risk and other factors when investing in bonds. Thanks to Sleep Number for sponsoring the episode.[0:11] Predicting interest rates can be tough - here are some things to consider[4:28] What determines the ra...Show More

224: Mastering the Market Cycle - New Book by Howard Marks

29:03 | Oct 3rd, 2018

How to position your investment portfolio based on market cycles. Investing principles from Howard Marks' new book Mastering the Market Cycle.  Thanks to CNote and LinkedIn and for sponsoring today's episode.

223: How To Invest When You Have Little Money

28:09 | Sep 26th, 2018

How commission free ETFs, mobile apps and zero fee index funds make it easier to invest if you have little money. What are some examples of commission fee ETFs and funds for Vanguard, Fidelity, Robinhood and TD Ameritrade. Thanks to Blinkist for spon...Show More

222: Why We Overpay and How It Leads To Income Inequality

32:51 | Sep 19th, 2018

How asymmetric information, price discrimination and the stories we tell ourselves contribute to artificial profits and income inequality. Thanks to CNote for sponsoring today's episode.

221: Should You Prepare For The Next Financial Crisis?

29:20 | Sep 12th, 2018

How the Great Financial Crisis changed how individuals and institutions invest, and why we shouldn't invest solely focused on the next crisis. Thanks to CNote for sponsoring today's episode.[0:40] Overview of how the 2008 financial crisis continues t...Show More

220: Where Should You Invest Your Cash Savings?

27:50 | Sep 5th, 2018

How to evaluate cash savings options at banks, credit unions and brokerage firms. Why are yields on cash savings so much higher than a few years ago. How to tell if your bank or credit union is in experiencing financial difficulties. Thank you to Bli...Show More

219: The Incredible Shrinking Stock Market

29:34 | Aug 29th, 2018

How fewer publicly traded companies, less stock shares outstanding and more intangible assets have led to higher earnings growth for U.S. listed companies and ultimately stronger stock market performance. Thanks to Circle Invest for sponsoring today'...Show More

218: Is China or the U.S. More Vulnerable?

25:51 | Aug 22nd, 2018

What are the headwinds facing China that could slow economic growth, but still could lead to China growing faster than the U.S. Also, what is going on with Turkey and are other emerging market countries vulnerable to the same plight?

217: Rebalancing, Overvaluation, Market Timing and Stock Splits

39:46 | Aug 15th, 2018

Which rebalancing strategy is best or should we even bother rebalancing? Should we just exit stocks completely, especially given how overvalued the U.S. stock market it is? And why do companies split their stocks? In this episode, we answer these and...Show More

216: Avoid This Investment: P2P Lending

30:44 | Aug 8th, 2018

Why peer-to-peer lending on platforms like Lending Club and Upstart is no place for individuals to invest given higher defaults, lower returns and competition from institutional investors.  Thanks to Circle Invest for sponsoring today's episode. Ep...Show More

215: Is A Dollar Collapse Coming?

34:49 | Aug 1st, 2018

Will stagflation cause the dollar to crash and be a bottomless pit when the next recession hits? That is what Peter Schiff is predicting. We look at where he is right and where he seems to be off the mark when it comes to the U.S. economy and a dolla...Show More

214: Should You Trade Currencies (Forex) Like Soros?

30:15 | Jul 25th, 2018

How the foreign exchange market works and how George Soros made more than a $1 billion shorting the British pound in 1992. Why currency trading today is more like gambling than when Soros made his billions. Why trading closed end funds can be more pr...Show More

213: Why Health Insurance Is A Mess

29:22 | Jul 18th, 2018

How health insurance isn't really protection against a catastrophic illness but prepayment of routine healthcare consumption, leading to overconsumption of healthcare and over treatment by medical professionals that drive up costs. What would it take...Show More

212: Trade Wars Increase Prices and Poverty

29:40 | Jul 11th, 2018

How a complex global trade system has reduced poverty, raised incomes, increased productivity, and lowered prices while a trade war will reverse those trends. You can find show notes and links here. Thanks to Blooom and Wunder Capital for sponsorin...Show More

211: How To Navigate A Housing Bubble

30:27 | Jun 27th, 2018

Why housing bubbles can last such a long time and what to do if you really want or need to buy a house in a frothy market. More information including show notes can be found here.

210: Are There Always Winners and Losers When Trading?

28:25 | Jun 20th, 2018

Why fair markets require uncertainty for both the buyer and the seller, and why sellers don't need to disclose everything they know to the buyer. Go here for Episode page with show notes and summary. Thanks to Wunder Capital for sponsoring this week'...Show More

209: Why Bother Investing Internationally?

32:11 | Jun 13th, 2018

Is it worth investing outside your home country given the risk? Should you hedge currency risk? What is the impact of Chinese "A" share listed companies being added to emerging market indices.

208: The Biggest Market Crash Is Recyclables

26:28 | Jun 6th, 2018

How a Chinese ban and careless recycling habits by households and businesses led to a market collapse in recyclables. Click here for show notes and more information.

207: How Do The Mega Rich Invest?

29:09 | May 30th, 2018

Why the mega rich don't have magical investing powers, but there are some investing attributes they possess that we can emulate.

206: Be Bear Aware of Bank Loans

28:00 | May 23rd, 2018

Why the leveraged loan market (i.e. bank loans) is becoming more risky. What are collateralized loan obligations and how do they influence bank loans. Why I will sell my bank loans fund when the economy turns.

205: Is The Federal Reserve Really Printing Money?

30:35 | May 16th, 2018

If the Federal Reserve has printed over $2 trillion dollar and given it to banks to lend, why is U.S. inflation still low? Show notes at https://moneyfortherestofus.com/205-federal-reserve-really-printing-money/

204: Why Are Investment Returns So Low?

29:40 | May 9th, 2018

How low real interest rates contribute to low returns for stocks and other risk assets. How real interest rates are determined.

203: Is Investing More Like Poker or Chess?

29:50 | May 2nd, 2018

How to make better investing and life decisions.

202: Will Your Next Car Be Electric?

29:35 | Apr 25th, 2018

What are the impediments to the mass adoption of electric vehicles.

201: Is Your Portfolio Unbalanced?

35:01 | Apr 18th, 2018

Why most conventional portfolios make huge and often unintended bets on the stock market. How role based investing can lead to a more balanced portfolio. Show notes at https://moneyfortherestofus.com/201-portfolio-unbalanced/ ‎

199: What Kind of Money Is It?

30:27 | Apr 4th, 2018

How a bank panic led to the creation of the Federal Reserve, and why having diversified sources of money can protect us in case we have a bank panic today and can't get access to our bank deposits.

198: Capitalism Is Creation

28:19 | Mar 28th, 2018

Why save for retirement if capitalism is going to collapse and/or universal basic income will be available. How millennials can lead the next work transition.

197: The Power of Less and Local

25:36 | Mar 21st, 2018

Why having less things and activities gives us more freedom and happiness. Why low probability risks are unacceptable if the consequences affect all of us.

196: How To Survive Financially

31:13 | Mar 14th, 2018

Why relying on averages is dangerous given our fate is often determined by extreme events and how we react as financial markets, the economy and our own lives evolve.

195: Has A Trade War Begun?

28:30 | Mar 7th, 2018

Why duties and other actions are necessary to address trade disputes, but across the board tariffs are a blunt instrument that can lead to a devastating trade war and global recession.

194: Four Investment Lessons From Warren Buffett

33:21 | Feb 28th, 2018

Four investment lessons from Berkshire Hathaway's fiscal year 2017 Shareholder Letter with additional insights from Howard Marks and Seth Klarman.

193: Why Plan If Life Is So Unpredictable?

29:41 | Feb 21st, 2018

How planning helps us avoid catastrophic errors while maintaining flexibility and margins of safety allow us to thrive even if our plans don't work out.

192: Is Anything Scarce Anymore?

29:52 | Feb 14th, 2018

In this episode we explore scarcity. Artificial scarcity created by laws and real scarcity created by our evolving lifestyles and economy. We'll see that most physical products, with drinking water being an exception, are becoming less scarce while t...Show More

191: Has The Bond Bear Market Begun?

30:47 | Feb 7th, 2018

Why interest rates are rising and what could happen to bonds, stocks and the economy if rates returned to more normal levels.

190: How To Keep Up With Inflation

31:57 | Jan 31st, 2018

What investments are best for maintaining purchasing power relative to inflation. Using the pencil as an example, how inflationary and deflationary forces work together over decades to determine the price of product.

189: Should The Minimum Wage Be Raised?

26:27 | Jan 24th, 2018

Will increasing the minimum wage help or harm workers and businesses? How many U.S. workers are paid at or below the minimum wage?

188: Should You Pay Off Debt Or Invest?

28:07 | Jan 17th, 2018

How our net worth is more than our financial capital but includes our lifetime earning capacity or human capital. What role does debt play in investing in human capital and how our human capital impacts how we allocate our financial investments. Why ...Show More

187: Do You Have Dollars and Sense?

26:44 | Jan 10th, 2018

Why opportunity costs should be our primary frame for deciding what to buy instead of anchoring, mental accounting or whether we pay with a credit card or cash.

186: Why Do We Pay Taxes?

28:50 | Jan 3rd, 2018

Why paying taxes has very little to do with funding the federal government. We also explore the potential impact of the U.S. tax reform on households, businesses and the economy.

Introducing Topics by Money For the Rest of Us

3:02 | Dec 27th, 2017

There is no regular episode of the podcast this week, but there is a new podcast you can subscribe and listen to: Topics by Money For the Rest of Us. This is a seasonal show released monthly that categorizes existing episodes into topics with a newly...Show More

A Conversation On Retirement With Jason Parker - Year End Special

30:18 | Dec 20th, 2017

A wide ranging discussion on retirement math, sequence of return risk, investing buckets, scaling exposure to Bitcoin and gold, and creating a lifestyle business.

185: Are U.S. States Just Like Greece?

26:36 | Dec 13th, 2017

How Illinois and other states can suffer a debt crisis like Greece but why it wouldn't lead to an economic depression similar to what Greece suffered.

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

30:15 | Dec 6th, 2017

Why technology eliminates jobs but doesn't increase the level of unemployment even though for more than 50 years that has been the worry.

183: How To Invest In Commercial Real Estate

39:29 | Nov 29th, 2017

What to look for when investing in public real estate investment trusts ("REITs), private REITs and direct real estate deals on crowdfunding real estate platforms. What are current valuations for REITs and commercial real estate.

182: Was Tulipmania Just Like Bitcoin?

32:29 | Nov 22nd, 2017

What caused tulip mania in the 17th century in the Netherlands and how is it similar to Bitcoin?

181: Does Illegal Immigration Help or Hurt the Economy?

35:41 | Nov 15th, 2017

What is the economic impact of illegal immigration. What would be the cost and impact of mass deportation.

180: Can You Outperform Harvard's Endowment?

36:41 | Nov 8th, 2017

Why have college endowments underperformed a simple three fund Vanguard portfolio? Should you mirror a simple two or three fund portfolio or invest more like an endowment with multiple asset classes?

179: Free Markets and the Great Famine

44:06 | Nov 1st, 2017

How a concern about interfering in markets and trade may have contributed to over one million deaths during the 19th century Great Famine in Ireland.

178: Japan the Impact of a Shrinking Population

31:02 | Oct 25th, 2017

How a country’s working age population growth impacts economic growth and stock returns. What Japan can do about its population decline.

177: How Business Contributes To Income Inequality

32:43 | Oct 18th, 2017

How high profits and low investment by business in R&D and workers lead to income inequality. Why the current situation is unsustainable and what can be done about it.

176: Are 60 Percent of Americans Insolvent?

33:59 | Oct 11th, 2017

What percent of Americans are insolvent and what makes data trustworthy.

175: How To Conduct Investment Due Diligence

30:35 | Oct 4th, 2017

What attributes should you look for in analyzing an investment advisory firm, financial planner, investment partnership, crowdfunding platform or other investment related offerings.

174: Navigating Modern Life Like The Amish

27:10 | Sep 27th, 2017

What the Amish can teach us about adopting new technology without being overwhelmed.

173: Should You Invest Based On Economic Cycles?

32:44 | Sep 20th, 2017

What are some of challenges of investing using long-term economic cycles.

172: Equifax Aftermath - Should You Freeze Your Credit To Protect Against Identity Theft?

28:06 | Sep 13th, 2017

Why your personal data will be compromised if it hasn't already been, and what to do to protect yourself from the consequences of identity theft.

171: The Extraordinary Impact of Cities

32:10 | Sep 6th, 2017

Why cities are the primary driver of economic growth and why do they outlive companies.

170: Are Financial Markets Efficient?

33:26 | Aug 30th, 2017

Why investment markets can be both efficient and inefficient depending on the environment, and how that should impact your investing.

Eclipse Special: The Sound of the Totality From Idaho

10:13 | Aug 23rd, 2017

A short episode on the August 2017 solar eclipse as it happened.

169: The Debt Ceiling - What Happens If the U.S. Defaults

30:33 | Aug 16th, 2017

What could happen if the U.S. Congress doesn't raise the debt ceiling and defaults on U.S. financial obligations, and why does Congress wait until the last minute before it acts on these things.

168: Is Life More Difficult For Millennials?

27:13 | Aug 9th, 2017

How being a millennial is both different and the same from young adults of earlier generations.

167: Is Bitcoin Better At Money Than The Dollar?

34:10 | Aug 2nd, 2017

Why bitcoin is a compelling speculative diversifier and how it has been a better store of value than both the U.S. dollar and gold.

166: Do We Really Need Growth?

28:12 | Jul 26th, 2017

Why enterprises, industries, and economies can't grow at all costs but need to enrich humanity and strive for permanence and sustainability through regeneration.

165: Why Do We Invest? It's Not Just For Return

30:56 | Jul 19th, 2017

How corporations evaluate and use investment capital provided by individuals. Why companies find it easier to buy back stock rather than invest in capital projects.

164: Optionality - When To Keep Your Options Open and When To Commit

29:46 | Jul 12th, 2017

How to use the asymmetric payoff of options, trial and error, and commitments to better yourself financially and in other areas of your life.

Vacation Special: A Conversation With Roger Whitney, The Retirement Answerman

31:06 | Jul 5th, 2017

A conversation with Roger Whitney about retirement investing, asset allocation, active versus passive management, luck versus skill, behavioral finance the difference between investing, speculating and gambling.

163: Is There An Indexing Bubble?

33:29 | Jun 28th, 2017

How an indexing bubble is manifest, why most active managers underperform and how individuals can structure their own quasi index fund that outperforms the market.

162: Is Inflation A Good Thing?

34:19 | Jun 21st, 2017

What causes inflation and why do central banks allow it to persist instead of having a 0% inflation target.

161: What You Need To Know About Retirement Calculators

33:01 | Jun 14th, 2017

How retirement planning and retirement spending calculators work and what are some of their flaws. Why figuring out how much money you will have when you retire and how long it will last is a lot like the work hydrologists do to figure out whether Ph...Show More

160: Why Ethical Consumption Is Myth

28:58 | Jun 7th, 2017

How cost, complexity and an unachievable standard keeps us from consuming ethically while the stories we tell ourselves make us feel good about our purchases anyway.

Vacation Special: A Conversation with Michael Port

1:03:38 | May 31st, 2017

In this interview with Michael Port, we discuss asset allocation, business, healthcare, minimalist investing, roboadvisors, our emotional relationship with money, and selecting a financial advisor.

159: What You Need To Know About Volatility

30:20 | May 24th, 2017

What is volatility, what determines it and how to invest in it. But should you?

158: How To Invest Like A Cockroach

28:55 | May 17th, 2017

How reserves, slack and simple rules of thumb help us deal with radical uncertainty. Why the next financial crisis is unlikely to be like the last one. This episode of Money For the Rest of Us is sponsored by Health IQ, an insurance company that help...Show More

157: The Most Important Economic Question Of Our Time

33:12 | May 10th, 2017

Why the likelihood of a future fiscal crisis sparked by the national debt depends on whether there is a limited or an unlimited supply of money. Is it possible the federal government's endless borrowing could crowd out the private sector and harm the...Show More

156: Your Job Or Half Your Business Could Be Gone Tomorrow

31:25 | May 3rd, 2017

How to gain a personal competitive advantage in an evolving job and business environment. This episode of Money For the Rest of Us is sponsored by Health IQ, an insurance company that helps health conscious people get special life insurance rates. G...Show More

155: Clues To The Next Financial Crisis

33:57 | Apr 26th, 2017

How panic caused the great financial crisis and what to look for to see if it is happening again.

154: Do Homeowner Tax Breaks Cause Homelessness?

32:25 | Apr 19th, 2017

How a transitioning economy, government regulation and tax policy have contributed to stagnating wages, rising housing costs, and homelessness.

MNY153: Will Social Security Go Bankrupt?

33:44 | Apr 12th, 2017

Why Social Security will not collapse and the four actions government can take to make sure it won’t.

152: You Know Less Than You Think

32:40 | Apr 5th, 2017

How simple rules, just-in-time learning and checking your understanding can help you make better financial decisions.

151: Amazon Impacts Everything

31:09 | Mar 29th, 2017

How even index fund investors have a big stake in the Amazon revolution.

150: Finding Your Perfect Match

31:52 | Mar 22nd, 2017

How to navigate matching markets where price alone doesn’t determine the outcome.

149: Do You Have Enough To Retire?

32:46 | Mar 15th, 2017

How to estimate how long your assets will last in retirement and the steps you can take to take make them last longer.

148: Is Your Financial Advisor Loyal To You?

31:27 | Mar 8th, 2017

Why some financial advisors must show undivided loyalty to you while others can have undisclosed conflicts of interest. How to tell the difference.

147: Is Infrastructure A Good Investment?

32:40 | Mar 1st, 2017

How to invest in infrastructure assets and why there is a perpetual infrastructure "crisis".

146: How To Decide What To Buy

29:27 | Feb 22nd, 2017

How to optimize your purchase decisions and why eliminating negatives can increase happiness more than buying more stuff.

145: People Like Us Invest Like This

29:34 | Feb 15th, 2017

Our view of the world dictates how we should and should not invest.

144: Trade Deficits Aren't Aways Bad. Trade Wars Are

32:31 | Feb 8th, 2017

What causes trade deficits and how they can both help and hurt a country's economy.

143: Are You Investing, Speculating or Gambling?

31:02 | Feb 1st, 2017

What is the difference between investing, speculating and gambling. Why binary options trading is gambling.

142: Why Are Some Nations Wealthier Than Others

31:33 | Jan 25th, 2017

Poor nations work harder than rich ones. Why then are they still poor?

141: The Universal Law You Need To Overcome To Thrive

28:30 | Jan 18th, 2017

How to overcome the second law of thermodynamics in investing and living.

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

28:32 | Jan 11th, 2017

Is there a carbon bubble whose bursting could lead to financial instability?

139: Are You Making Fear-based Financial Decisions?

27:11 | Jan 4th, 2017

How to design a life, pursue a career, and build financial security without acting out of fear.

Year End Special - Live From Fincon - What I Learned Investing in 2016

24:14 | Dec 28th, 2016

Conversation with Brian Bain of Investor In the Family at the Fincon financial media conference about what we learned investing in 2016.

138: Should You Sell Your Stocks Before Trump Takes Office?

27:54 | Dec 21st, 2016

How to make decisions in the face of uncertainty and why deciding to sell stocks should be based on feelings of regret rather than gut feelings about what we think will happen with financial markets and the economy.

137: Is the American Dream Dead?

31:46 | Dec 14th, 2016

Are private equity buyout activities contributing to income inequality and the death of the American Dream?

136: Filter By Asset Class - Featuring Preferred Stocks

31:47 | Dec 7th, 2016

How framing and filtering by asset classes makes investing easier. How to invest in preferred stocks.

135: Embrace the Messiness

24:45 | Nov 30th, 2016

Why we need to control the chaos while embracing messiness in living and investing.

134: It's Just Money

25:44 | Nov 23rd, 2016

Why we should be indifferent toward money and what are the risks of a dollar shortage.

133: Interest Rates Are Rising. Four Things You Can Do.

29:11 | Nov 16th, 2016

Here are four investment strategies investors can use to avoid losses due to rising interest rates.

132: Trump Wins. Now What?

30:04 | Nov 9th, 2016

What should you do about Trump presidency? And how the truth was the real loser in this presidential election.

131: Is This The Creepiest Investment Ever?

28:18 | Nov 2nd, 2016

How hedge funds and pension plans earn 20% a year buying life insurance policies from unwary individuals. Why it's better to keep your permanent life insurance rather than sell it.

130: Should You Buy A Vacation Home?

22:32 | Oct 26th, 2016

How changes in financial circumstances, property markets, zoning rules and personal taste can make owning an illiquid vacation property a risky proposition, but why we bought our dream place anyway (and then sold it).

129: Finding Simplicity On Other Side of Complexity

25:47 | Oct 19th, 2016

Why we need to embrace complexity in order to find lower cost, less stressful solutions to challenges including with investing. Plus is investing moral?

128: Is There Too Much Savings?

27:47 | Oct 12th, 2016

How holding onto goods longer before replacing them and a global savings glut impact the economy, interest rates and stock returns.

127: Investing Is Wayfinding

27:22 | Oct 5th, 2016

Investing is like exploring an unknown territory. What are the tools to help us navigate.

126: Where Federal Money Flows

29:54 | Sep 28th, 2016

Why cutting federal spending and trying to lower the national debt reduces household income and spending, potentially causing a recession.

125: Is The Economy Really Doing That Poorly?

28:48 | Sep 21st, 2016

How to thrive in an ever changing, increasingly complex economy.

124: Build Your Inventory, Discover Your Theme

25:09 | Sep 14th, 2016

How to balance developing new skills, learning new things and becoming an expert.

123: Why Health Insurance Premiums and Prescription Drug Prices Are Exploding

31:26 | Sep 7th, 2016

How pharmaceutical companies use of maximum pricing power is leading to double digit annual increases for prescription drug prices and health insurance premiums.

122: Why Negative Interest Rates Are Dangerous

30:47 | Aug 31st, 2016

How negative interest rates increase volatility and lower future investment returns. What can you do about it.

121: What If Everyone Starts Indexing?

30:58 | Aug 24th, 2016

How more and more indexing via ETFs leads to market fragility, lower diversification and herd behavior, but why most investors should index anyway.

120: Lao Tzu on Living and Investing

29:47 | Aug 17th, 2016

What ancient Chinese philosopher Lao-Tzu can teach you about living and investing. Plus two contrasting views of today’s market environment and what to do about it.

119: Investing Won't Make You Rich

26:52 | Aug 10th, 2016

The primary role of investing is to preserve your wealth not grow it. How then do we grow our wealth?

118: Are Renewable Energy ETFs A Good Investment?

26:38 | Aug 3rd, 2016

Does the significant growth of solar and wind energy mean companies in the space are attractive investments? Show notes at http://moneyfortherestofus.net/mny118-invest-renewable-energy-etfs/

117: The Retirement Journey

26:06 | Jul 27th, 2016

Why lower retirement spending rates means most retirees will need to work some during their retirement years. Show notes at http://moneyfortherestofus.net/mny117-retirement-journey/

116: Why Investors Can't Ignore China

29:57 | Jul 20th, 2016

Will China's growing debt burden lead to a banking collapse? How would that impact investors globally, and what should you do about it. Show notes at

115: How To Get Financially Unstuck

31:29 | Jul 13th, 2016

Why we can't not invest due to fear and uncertainty. Plus how to tell if the stock market is overvalued and what to do about it. To get the U.S. stock market valuation charts, text the word "charts" to 44222

Vacation Special: Investing In Your Family

31:39 | Jul 6th, 2016

There is no regular episode this week due to the 4th of July Holiday and the Stein Idaho family reunion. Instead, here is the audio from a conversation that Brian Bain of Investor In the Family and I had on investing in family relationships. In the ...Show More

114: Money Is Cheap, Freedom Is Expensive

27:51 | Jun 29th, 2016

Two outcomes from the Brexit vote is money got cheaper and politics got scarier. What should you do about it. Plus we profile a man who never retired and was still working at 87. Show notes at http://moneyfortherestofus.net/mny114-money-cheap-freedom...Show More

113: Brexit and the Economics of Immigration

28:55 | Jun 22nd, 2016

Does immigration harm or benefit a country’s economy? And should the UK leave the European Union?

112: Your Retirement Depends On Robots

28:34 | Jun 15th, 2016

How productivity increases due to robots and other technology enhancements should lead to both higher wages and higher investment portfolio returns, allowing workers to save enough to eventually retire. Show notes at

111: How To Be A Minimalist Investor

27:20 | Jun 8th, 2016

How to be a minimalist both in life and investing. To get the Portfolio Charts summary sheet, text the word PORTFOLIOS to 44222. Show notes at http://moneyfortherestofus.net/mny111-minimalist-investor/

109: Money Is A Time Machine

29:26 | May 25th, 2016

How to shift money from the present to the future and vice versa in order strike an equitable balance between our present and future selves. Show notes at http://moneyfortherestofus.net/mny109-money-time-machine/

108: Investing in Real Estate Via Crowdfunding Platforms

31:58 | May 18th, 2016

What to consider when investing in commercial real estate via crowdfunding platforms. Show notes at http://moneyfortherestofus.net/mny108-investing-real-estate-crowdfunding-platforms/ To sign up for the free Insiders Guide, text the word INSIDER to ...Show More

107: Work, Freedom and Leaving A Legacy

26:44 | May 11th, 2016

How to find the balance between work, freedom, meaning and leaving a legacy. Show notes at http://moneyfortherestofus.net/mny107-work-freedom-financial-peril/

106: How Worried Should You Be About the National Debt?

33:28 | May 4th, 2016

Why some nations are at risk of default on their national debt and others are not. Plus why the U.S. national debt will never be repaid. Show notes at http://moneyfortherestofus.net/mny106-national-debt/

105: How Corporate Profits Drive Stock Returns

30:16 | Apr 27th, 2016

What drives corporate profits over time and how they contribute to long-term stock returns. Show notes at http://moneyfortherestofus.net/mny105-corporate-profits-drive-stock-returns/

104: Is It Possible To Win At Trade?

28:07 | Apr 20th, 2016

When a country runs a trade deficit is that a good or bad thing? It depends. Learn why in this episode. Show notes at http://moneyfortherestofus.net/mny104-possible-win-trade/

103: How To Reenter the Stock Market

29:07 | Apr 13th, 2016

Here are the three things you need to coax yourself back into the stock market if you are on the sidelines. Plus, why short-term market declines are difficult to accurately predict but bear market declines can often be anticipated and avoided. To get...Show More

102: What It Takes To Be A Value Investor

29:59 | Apr 6th, 2016

Why the value style outperforms growth investing, and what are the attributes of successful value investors. Show notes at: http://moneyfortherestofus.net/mny102-takes-value-investor/ To get the article on growth investing mentioned in the episode, t...Show More

101: Why Markets and Economies Are Ceaselessly Creative and Radically Unpredictable

30:16 | Mar 30th, 2016

How memes, stories, people, systems, goods and services mix and interact to create an expanding economic web that is ceaselessly creative and radically unpredictable. To sign up for the Insiders Guide, text the word INSIDER to 44222.

100: Navigating a Negative Carry World

29:30 | Mar 23rd, 2016

How to invest and live in a radically unpredictable, low investment return world. Show notes at http://moneyfortherestofus.net/mny100-navigating-negative-carry-world/ To sign up for the Insiders Guide, text the word INSIDER to 44222.

099: Money Is Story

22:24 | Mar 16th, 2016

How money originated and why our relationship with money is driven by the stories we tell. Show notes at http://moneyfortherestofus.net/mny099-money-story/To sign up for the Insiders Guide, text the word INSIDER to 44222.

098: Why You Need A Lifestyle Business

30:00 | Mar 9th, 2016

How a lifestyle business can offset the impact of lower investment returns and contribute to a more sustainable economy. Show notes at http://moneyfortherestofus.net/mny098-need-lifestyle-business/ To sign up for the Insiders Guide, text the word IN...Show More

097: The Great Financial Crisis

53:45 | Mar 2nd, 2016

What caused the great financial crisis and how the lessons learned apply to our own financial lives. Show notes at http://moneyfortherestofus.net/mny097-great-financial-crisis/ To sign up for the free Insider's Guide, text the word INSIDER to 44222

096: Five Wealth Lessons From A Stoic

29:58 | Feb 24th, 2016

Rumors are always circulating about economic collapse. How the stoic philosopher Seneca would handle these predictions of calamity. To get the Seneca's 5 Wealth rules and supporting quotes, text the word "SENECA" to 44222. Show notes at http://moneyf...Show More

095: Keep Investing Simple

31:19 | Feb 17th, 2016

Steps to take to keep investing simple. Plus how changes in China are having spillover effects for global economic growth and asset class returns.

094: How Money Is Created and Destroyed

28:26 | Feb 10th, 2016

How federal governments allow banks to create the vast majority of the world's money supply, and why that erodes the value of money over time. Show notes at http://moneyfortherestofus.net/mny094-money-created-destroyed/ To sign up for the Money For...Show More

093: Capitalism, Complexity and Cuba

29:50 | Feb 3rd, 2016

Why uncertainty and failure is necessary for a functioning economy and why Cuba is embracing both in its struggle to reform its economy. Show notes at http://moneyfortherestofus.net/mny093-capitalism-complexity-cuba/ To sign up for the Money For the ...Show More

092: What Robo-advisors Recommend

36:38 | Jan 19th, 2016

How do the leading robo-advisors compare in terms of their recommended portfolio mixes, fees, expected returns and risk. To get summary sheet of my robo-advisor review and sign up for the Insider's Guide text the word ROBOADVISOR to the number 44222...Show More

091: Demography Rules

28:08 | Jan 13th, 2016

How the number of retirees compared to workers impacts economic growth, inflation and stock returns. Show notes at http://moneyfortherestofus.net/mny091-demography-rules/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSID...Show More

090: The True Cost and What It Takes To Be Retired

27:14 | Jan 6th, 2016

Knowing what things truly cost can help us live like we are already retired. Show notes at http://moneyfortherestofus.net/mny090-trust-cost-takes-retired/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

089: How To Outperform The Market Without Predicting The Future

30:45 | Dec 30th, 2015

How using smart beta and timing economic regime changes can lead to market outperformance. Show notes at http://moneyfortherestofus.net/mny089-outperform-market/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 442...Show More

088: Are You A Stock Or A Bond?

29:59 | Dec 23rd, 2015

Our total wealth includes both financial and human capital, which is the value of our future employment earnings. How to consider both in your asset allocation. Show notes at http://moneyfortherestofus.net/mny088-stock-bond/ To sign up for the Money ...Show More

087: Is This Normal?

28:05 | Dec 16th, 2015

How long-term trends in inflation, stocks and climate changed are hidden by short-term countertrends, creeping normalcy and myriad moving parts. Show notes at http://moneyfortherestofus.net/mny087-normal/ To sign up for the Money For the Rest of Us ...Show More

086: Don't Be A Commodity

29:50 | Dec 9th, 2015

How not to be a commodity even if you work in a commodity business. Plus, an update on commodities and master limited partnerships. Show notes at: http://moneyfortherestofus.net/mny086-commodity/ To sign up for the Money For the Rest of Us Insider's ...Show More

085: Are You Home Country Biased?

29:28 | Dec 2nd, 2015

Why you should invest outside of your home country. Show notes at http://moneyfortherestofus.net/mny085-home-country-biased/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

084 Money Is Trust

25:16 | Nov 25th, 2015

Why money requires trust and cooperation in order to function. What happens when trust disappears. Show notes at: http://moneyfortherestofus.net/mny084-money-trust/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to ...Show More

083: Please Save More

29:13 | Nov 18th, 2015

Why individuals need to save more for retirement and how to figure out how much more you should save. Show notes at: http://moneyfortherestofus.net/mny083-please-save/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER ...Show More

082: Asset Returns When The Fed Raises Rates

29:27 | Nov 11th, 2015

How have various asset classes performed when the Federal Reserve begins tightening by raising short-term interest rates. Show notes at: http://moneyfortherestofus.net/mny082-assets-return-fed-raises-rates/ To sign up for the Money For the Rest of Us...Show More

081: When Booms Turn To Busts

29:29 | Nov 4th, 2015

What are the early warning signs a boom has turned to a bubble or the boom / bubble is about to burst. Case study: Australia. Show notes at http://moneyfortherestofus.net/mny081-booms-turn-bust/

080: Investing Means Getting Lost

29:59 | Oct 28th, 2015

Don’t be overwhelmed or play it too safe when it comes to investing and living. Show notes at http://moneyfortherestofus.net/mny080-investing-means-getting-lost/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 442...Show More

079: Lump Sums and Life Insurance

28:52 | Oct 21st, 2015

Is it better to dollar cost average or invest a lump sum? And what type and how much life insurance should you buy. http://moneyfortherestofus.net/mny079-lump-sums-life-insurance/ To sign up for the Money For the Rest of Us Insider's Guide text the w...Show More

078: What If The Economy Stopped Growing Permanently

29:56 | Oct 14th, 2015

How a zero-growth economy would impact investing, employment and lifestyle. It depends on whether the economy is flat lining due to population shrinkage or a willful choice to be less productive. Show notes at http://moneyfortherestofus.net/mny078-ec...Show More

077: Does Ethical Investing Outperform the Market?

28:49 | Oct 7th, 2015

Why ethical investing will underperform the stock market unless consumer behavior changes. Show notes at http://moneyfortherestofus.net/mny077-ethical-investing-generating-higher-returns/ To sign up for the Money For the Rest of Us Insider's Guide te...Show More

076: Should You Lend To Your Peers?

29:59 | Sep 30th, 2015

How peer-to-peer lending works and what annualized return should you expect. Show notes at http://moneyfortherestofus.net/mny076-lend-peers/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

075: We Have To Invest Somewhere

28:58 | Sep 23rd, 2015

The biggest challenge facing Money For the Rest of Us listeners is how to allocate their assets in order to be able to retire. Show notes at http://moneyfortherestofus.net/mny075-invest-somewhere/ To sign up for the Money For the Rest of Us Insider's...Show More

074: Capital Flows Where It's Treated Best

28:54 | Sep 16th, 2015

How investment capital seeks out the most attractive opportunities, and why that is causing China to dump some of its U.S. Treasury bonds. Show notes at http://moneyfortherestofus.net/mny074-capital-flows/ To sign up for the Money For the Rest of Us ...Show More

073: Why You Shouldn't Trade

27:46 | Sep 9th, 2015

How trading differs from allocating and why human traders have lost their edge to trading bots. Show notes at http://moneyfortherestofus.net/mny073-shouldnt-trade/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 4...Show More

072: Will A Robot Take Over Your Job?

28:03 | Sep 2nd, 2015

How robots and information technology are replacing humans at work and what we can do about it. Show notes at http://moneyfortherestofus.net/mny072-will-robot-takeover-job/ To sign up for the Money For the Rest of Us Insider's Guide text the word INS...Show More

071: Please Don't Panic

27:41 | Aug 26th, 2015

When the stock market is falling, understanding market history and current conditions can help us make objective, less fear-driven investment decisions. Show notes at http://moneyfortherestofus.net/mny071-please-dont-panic/ To sign up for the Money F...Show More

070: Rule #1 and the Investor's Journey

29:30 | Aug 19th, 2015

Should you invest like Warren Buffet? How your temperament, experiences, interests and skills influence how you invest. Plus why most passive index investors unknowingly make active investment decisions. Show notes at http://moneyfortherestofus.net/r...Show More

069: Do You Feel Financially Trapped?

23:51 | Aug 12th, 2015

What to do when you feel financially hopeless. Show notes at http://moneyfortherestofus.net/mny069-feeling-financially-trapped/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

068: Why The Middle Class Is Stagnating

28:57 | Aug 5th, 2015

How technology and too much free stuff is undermining the middle class. What can be done about it. Show notes at http://moneyfortherestofus.net/mny068-middle-class/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to ...Show More

067: When Investments Lose Money

27:59 | Jul 29th, 2015

I share with you what questions to answer to decide whether you should sell, hold or buy more of an underperforming investment. Show notes at http://moneyfortherestofus.net/mny067-investments-lose-money/ To sign up for the Money For the Rest of Us In...Show More

066: Impermanence and Winning by Not Losing

26:39 | Jul 22nd, 2015

Why focusing too much on the future and too little on the present can be dangerous. Show notes at http://moneyfortherestofus.net/mny066-impermanence-winning-losing/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to ...Show More

065: Greece - What Really Caused the Crisis and Why It Never Ends

27:30 | Jul 15th, 2015

How the Greek depression and the euro crisis started with Greek citizens just wanting to buy a decent car. Show notes at http://moneyfortherestofus.net/mny065-greece-really-caused-crisis-never-ends/ To sign up for the Money For the Rest of Us Insider...Show More

064: The Pitfalls of Private Real Estate Investing

29:13 | Jul 8th, 2015

Should you invest in a rental property? Here are some things to consider and pitfalls to avoid. Show notes at http://moneyfortherestofus.net/mny064-pitfalls-private-real-estate-investing/ To sign up for the Money For the Rest of Us Insider's Guide te...Show More

063: Alarmists and the Economics of Collapse

30:01 | Jul 1st, 2015

Why economic alarmists are dangerous, and what has to happen for the financial system or economy to collapse. Show notes at http://moneyfortherestofus.net/mny063-alarmists-economics-collapse/ To sign up for the Money For the Rest of Us Insider's Gui...Show More

MNY062: What Dying Bees Can Teach Us About Asset Bubbles and Income Inequality

28:54 | Jun 24th, 2015

The link between honey bee colony collapse, asset bubbles and income inequality. Show notes at http://moneyfortherestofus.net/mny062-income-inequality/ ‎ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

061: How Much Should You Spend In Retirement?

28:57 | Jun 17th, 2015

Why your retirement spending rate should vary over time based on individual and market circumstances. Show notes at http://moneyfortherestofus.net/mny061-retirement-spending/ To sign up for the Money For the Rest of Us Insider's Guide text the word I...Show More

MNY060: Are You Hoarding Or Investing?

29:15 | Jun 10th, 2015

What is the difference between hoarding and investing. Most people do both. Show notes at: http://moneyfortherestofus.net/mny060-hoarding-investing/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY059: Is Gold Money?

27:55 | Jun 3rd, 2015

What are the three attributes of money and does gold have them? Show notes at http://moneyfortherestofus.net/mny059-gold-money.html To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY058: Are ETFs and Indexing Becoming Too Popular?

29:52 | May 26th, 2015

What are the hidden risks of ETFs and passive investing. Sow notes at http://moneyfortherestofus.net/mny058-etfs/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY057: Live Like A Local When Traveling

28:09 | May 20th, 2015

Hacks to live like a local when traveling including how to rent homes through Airbnb.com. Show notes at http://moneyfortherestofus.net/mny057-travel/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY056: Why We Need Volatility

28:21 | May 13th, 2015

How we can thrive amidst volatility and not become complacent due to a false sense of stability. Show notes at http://moneyfortherestofus.net/mny056-volatility/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 4422...Show More

MNY055 - Are You Financially Fragile or Antifragile?

28:50 | May 6th, 2015

How to gauge your financial fragility or vulnerability and how to be the opposite of fragile. Show notes at http://moneyfortherestofus.net/mny055-antifragile To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY054: Do You Live To Work Or Work To Live?

29:42 | Apr 29th, 2015

Why you don't need money to have more freedom and happiness. Show notes at http://moneyfortherestofus.net/mny054-live-work/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY053: Should You Invest In Bitcoin?

29:30 | Apr 22nd, 2015

What you need to know about bitcoin in order use it and invest in it. Show notes at http://moneyfortherestofus.net/mny053-bitcoin/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY052: Why are interest rates so low, even negative in some places?

30:51 | Apr 15th, 2015

What factors determine interest rates and why interest rates matters to the economy and your investment portfolio. Show notes at http://moneyfortherestofus.net/mny052-interest-rates/ To sign up for the Money For the Rest of Us Insider's Guide text th...Show More

MNY051: Is Deflation Coming?

27:11 | Apr 8th, 2015

The world is flirting with deflation. How GDP growth, debt, population changes and exchange rates will determine whether a Great Depression like deflation is coming. Show notes at http://moneyfortherestofus.net/mny051-gdp-deflation/ To sign up for th...Show More

MNY050: Navigating Early Retirement

28:28 | Apr 1st, 2015

Navigating early retirement is less about money and more about allowing space and time for your true path to emerge. Show notes at http://moneyfortherestofus.net/mny050-early-retirement/ To sign up for the Money For the Rest of Us Insider's Guide tex...Show More

MNY049: Is Money Dying?

28:35 | Mar 25th, 2015

Is monetary collapse imminent as some pundits say? Plus another look at gold and how to tell if a government's debt burden is unsustainable. Show notes at http://moneyfortherestofus.net/mny049-money-dying/ To sign up for the Money For the Rest of Us ...Show More

MNY048: Do You Have Too Little Invested In Stocks?

28:54 | Mar 18th, 2015

How fear of another market crash may be causing you to keep your stock market allocation overly conservative despite evidence global stock markets are in a secular bull market. More info at http://moneyfortherestofus.net/mny048-secular-bull/ To sign ...Show More

MNY047: Should You Invest For Income Or Total Return

26:51 | Mar 11th, 2015

Why individuals should follow the lead of endowments and foundations and focus on total return investing. Show notes at http://moneyfortherestofus.net/mny047-income-total-return/ To sign up for the Money For the Rest of Us Insider's Guide text the wo...Show More

MNY045: Funding the Start Up of You

27:07 | Feb 25th, 2015

With student loan default rates soaring, what are some education funding models besides debt. Plus is college even worth it? Show notes at http://moneyfortherestofus.net/mny045-education/ To sign up for the Money For the Rest of Us Insider's Guide te...Show More

MNY044: Should You Pay Off Your Mortgage

27:03 | Feb 18th, 2015

How a home mortgage can help you build real wealth. Plus what factors to weigh if you are considering paying off your mortgage. Show notes at http://moneyfortherestofus.net/mny044-mortgages/ To sign up for the Money For the Rest of Us Insider's Guide...Show More

MNY043: What Drives Home Prices?

30:19 | Feb 11th, 2015

What investment return should you expect for your home and what leads to housing booms and bust. Show notes at http://moneyfortherestofus.net/mny043-home-prices/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 442...Show More

MNY042: All Countries Are Insolvent and That's A Good Thing

28:23 | Feb 4th, 2015

Why all federal governments are insolvent but investors still line up to buy government debt at low interest rates. Show notes at http://moneyfortherestofus.net/mny042-insolvency/ To sign up for the Money For the Rest of Us Insider's Guide text the w...Show More

MNY041: The Cult of Overwork

27:56 | Jan 28th, 2015

Why overworking is so dangerous and why leisure is on a completely different plane from work. Show notes at http://moneyfortherestofus.net/mny041-overwork/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY040: Should You Invest In Commodities?

28:21 | Jan 21st, 2015

What you need to consider before investing in oil and other commodities. Two schools of thought regarding the direction of oil prices. Show notes at http://moneyfortherestofus.net/mny040-commodities/ To sign up for the Money For the Rest of Us Inside...Show More

MNY039: What Drives Currency Exchange Rates

25:14 | Jan 14th, 2015

Why currencies fluctuate, what are the impacts and should you hedge against currency movements. Show notes at http://moneyfortherestofus.net/mny039-currency-exchange/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER t...Show More

MNY038: How To Invest Like A Hedge Fund

26:45 | Jan 7th, 2015

What are hedge funds and how can individual investors apply strategies from top-tier hedge funds to their own portfolios. Show notes at http://moneyfortherestofus.net/mny038-hedge-funds/ To sign up for the Money For the Rest of Us Insider's Guide tex...Show More

MNY037: Gold - Without the Hype and Politics

28:03 | Dec 31st, 2014

Why and how to invest in gold. Show notes at http://moneyfortherestofus.net/mny037-gold/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY036: How Wealthy Are You?

26:49 | Dec 24th, 2014

Wealth can be measured in more than money. Wealth is also time and mobility. Show notes at http://moneyfortherestofus.net/mny036-wealthy/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY035: Investment Performance - What You Need To Know

29:45 | Dec 17th, 2014

Power laws, fractals and investor psychology. Why security prices behave like they do. Show notes at http://moneyfortherestofus.net/mny035-investment-returns/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY034: Investing Rules of Thumb

29:56 | Dec 10th, 2014

Why simple investment rules are more accurate than complex formulas. Show notes at http://moneyfortherestofus.net/mny034-rules-of-thumb/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY033: To Retire Early, Mind the Gap

28:42 | Dec 3rd, 2014

The simple formula to sustain an early retirement without running out of money. Show notes at http://moneyfortherestofus.net/mny033-mind-the-gap/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY032: Die Broke

27:26 | Nov 26th, 2014

How to deplete most of your assets before you die by using single premium immediate annuities. Show notes at http://moneyfortherestofus.net/mny032-broke/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY031: The Role of Luck In Success

29:30 | Nov 19th, 2014

How luck and skill intertwine to make you successful. Show notes at http://moneyfortherestofus.net/mny031-role-luck-success To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY030: Are You Sure You're Diversified?

27:15 | Nov 12th, 2014

How to tell if your investment portfolio is really diversified. Hint: Don't focus on correlation. Show notes at http://moneyfortherestofus.net/mny030-diversification/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER t...Show More

MNY029: Quantitative Easing - A Big, Fat, Dangerous Placebo

23:23 | Nov 5th, 2014

Why quantitative easing is both a financial placebo and an unpredictable game of musical chairs. Show notes at http://moneyfortherestofus.net/mny029-quantitative-easing/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDE...Show More

MNY028: Live By Your Own Financial Rules

24:01 | Oct 29th, 2014

There are no hard-and-fast financial rules other then don't cause yourself irreparable financial harm. Show notes at http://moneyfortherestofus.net/mny028-own-rules/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to...Show More

MNY027: What Is The Right Price?

29:07 | Oct 22nd, 2014

The right price for something is dependent on our state of mind. Anchoring, mental accounts and other behavioral tricks we rely on when buying. Show notes at http://moneyfortherestofus.net/mny027-right-price/ To sign up for the Money For the Rest of ...Show More

MNY026: Why Are Stocks Falling? - A Story

30:38 | Oct 15th, 2014

How stories drive the financial markets and why markets are currently declining. Show note at http://moneyfortherestofus.net/mny026-stories/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY025: Are You A Materialist?

29:25 | Oct 8th, 2014

Why paying more for what you buy not only helps the economy but enriches your life. Plus why we prefer things that are wabi sabi. Show notes at: http://moneyfortherestofus.net/mny025-materialist/ To sign up for the Money For the Rest of Us Insider's ...Show More

MNY024: Timeshares, Preppers and Permanent Portfolios

29:24 | Oct 1st, 2014

What are the economics behind vacation timeshares, how to implement a permanent portfolio and has the stock market ever taken decades to recover from a major sell-off? Show notes at http://moneyfortherestofus.net/mny024-permanent-portfolios/ To sign ...Show More

MNY023: Smart Beta - What Is It and Should You Use It?

30:34 | Sep 24th, 2014

What is the difference between beta, smart beta and alpha when investing. Plus, what are the different ways to index a portfolio, and why it's easier to be a successful investor by focusing on things that won't change rather than trying to predict wh...Show More

MNY022: Will Interest Rates Ever Increase?

30:01 | Sep 17th, 2014

What causes interest rates to rise and fall, and what can you do to adjust your investment portfolio when interest rates begin climbing. Show notes at http://moneyfortherestofus.net/mny022-interest-rates/ To sign up for the Money For the Rest of Us I...Show More

MNY021: Investing Without A Map

29:33 | Sep 10th, 2014

I share my own portfolio as an example of investing without a map. Plus why I don't use peer-to-peer lending platforms such as the Lending Club and Prosper. Show notes at http://moneyfortherestofus.net/mny021-no-map/ To sign up for the Money For the ...Show More

MNY020: How To Allocate Your Assets

27:01 | Sep 3rd, 2014

What you need to know about asset allocation, including the flaws in modern portfolio theory. Show notes http://moneyfortherestofus.net/mny020-asset-allocation/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 4422...Show More

MNY019: Live Like You're Already Retired

27:01 | Aug 27th, 2014

A traditional thirty year retirement will be out of reach for most people. Here's how to live like you're already retired. Show notes at http://moneyfortherestofus.net/mny019-retired/ To sign up for the Money For the Rest of Us Insider's Guide text t...Show More

MNY018: Which Investment Vehicles Should You Use?

30:00 | Aug 20th, 2014

How do closed end funds, open end mutual funds, exchange traded funds ("ETFs") and exchange traded notes ("ETNs") differ and when should you use each one. Show notes at http://moneyfortherestofus.net/mny018-investment-vehicle/ To sign up for the Mone...Show More

MNY017: Why China Matters To Your Pocketbook

27:01 | Aug 13th, 2014

How China's stunning economic growth impacts everything from how much you pay for gas and burgers to what you can earn investing. Show notes http://moneyfortherestofus.net/mny017-china/ To sign up for the Money For the Rest of Us Insider's Guide text...Show More

MNY016: The World Is Getting More Risky

25:12 | Aug 6th, 2014

What is risk and how do you manage it so you can protect against the downside and capture the upside. Plus, why the world is more risky and what to do about it. Show notes http://moneyfortherestofus.net/mny016-risk/ To sign up for the Money For the R...Show More

MNY015: Stop Worrying About the Next Market Crash

26:01 | Jul 30th, 2014

Discover the four things you can do to stop worrying about financial calamities. Show notes at http://moneyfortherestofus.net/mny015-market-crash/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY014: Are You A Complacent Investor?

25:02 | Jul 23rd, 2014

Has the Federal Reserve and other central banks led you to be complacent about risk? Plus, I share an investment strategy with surprisingly good returns. Show notes at http://moneyfortherestofus.net/mny014-complacent-investors/ To sign up for the Mon...Show More

MNY013: Are You Saving Enough To Retire Early?

25:53 | Jul 16th, 2014

How to know if you are saving too much or too little for retirement. Show notes at http://moneyfortherestofus.net/mny013-saving-enough/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY012: Currency Trading, Petrodollars and Monetary Collapse

26:22 | Jul 9th, 2014

What you need to know if you want to trade currencies. Also, will the dollar collapse? Show notes at http://moneyfortherestofus.net/mny012-currency/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY011: Bank Runs, Repos and Your Retirement

26:26 | Jul 2nd, 2014

How bank runs were a leading cause of the global financial crisis and why it could happen again. Show notes at http://moneyfortherestofus.net/mny011-repo/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY010: You'll Never Be Rich, But You Can Live Like You Are

26:54 | Jun 26th, 2014

How to live like your rich without the money. Show notes at http://moneyfortherestofus.net/mny010-rich/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.

MNY009: What Investment Rate of Return Can You Expect?

26:08 | Jun 19th, 2014

Expected portfolio returns are currently very low. Why that is and what should you do about it. Plus learn how to calculate the expected return for your portfolio. Show notes at http://moneyfortherestofus.net/mny009-expected-return/

MNY008 Leisure and the Economy. What If Everyone Worked Only Four Hours Per Day?

24:47 | Jun 12th, 2014

We can have sustainable economic growth and a thriving stock market while working less and enjoying life more. Show notes at http://moneyfortherestofus.net/mny008-four-hours/ To sign up for the Money For the Rest of Us Insider's Guide text the word I...Show More

MNY007: Predicting the Economy and the Stock Market. Can It Be Done?

25:46 | Jun 6th, 2014

Is it possible to successfully predict the future? Every investor has three choices. They can ignore the future, predict the future, or react as the future unfolds into the present. In this podcast, we'll take a close look at each of these strategies...Show More

MNY006: Why You Should Care About the Economy

24:48 | May 30th, 2014

Most people don't understand what the economy is, how it grows and what causes recessions. Nor do they care. This episode describes in simple terms how the economy works and why you should care so you can influence the quality of economic growth and ...Show More

MNY005 The True Cost of a Thing

24:49 | May 20th, 2014

The price of something does not always reflect its true cost, both to ourselves and to society. Through the eyes of Henry David Thoreau and a discussion of why I no longer shop at dollar stores, you'll discover the true cost of a thing. Show notes at...Show More

MNY004 Seesaws, Budget Deficits and the National Debt

25:29 | May 19th, 2014

If you understand how a seesaw works, then you'll be one of the few who understands why we need both federal budget deficits and the national debt. Show notes http://moneyfortherestofus.net/seesaws-budget-deficits-and-the-national-debt-004/ To sign u...Show More

MNY003 Should You Invest In Individual Stocks?

25:14 | May 18th, 2014

Why investing in individual stocks can be so intoxicating and dangerous. What you should know before you try. Show notes at http://moneyfortherestofus.net/should-you-invest-in-individual-stocks-003/ To sign up for the Money For the Rest of Us Insider...Show More

MNY002 What Causes Inflation and Deflation?

24:32 | May 17th, 2014

Studies show most people have no idea what inflation is and what to do about it. Don't be one of those people. Show notes http://moneyfortherestofus.net/what-causes-inflation-and-deflation-002/ To sign up for the Money For the Rest of Us Insider's Gu...Show More

MNY001 What Is Money?

28:47 | May 15th, 2014

How banks and governments create money out of thin air, and what you should do about it. Show notes at http://moneyfortherestofus.net/what-is-money-001/ To sign up for the Money For the Rest of Us Insider's Guide text the word INSIDER to 44222.