Money For the Rest of Us

A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com

Money For the Rest of Us is a business podcast hosted by J. David Stein, with 581 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

J. David Stein hosts Money For the Rest of Us, a business show with 581 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #562

  5 Steps to Simplify Your Investment Portfolio

  Aug 12, 202627 min

  What are the steps to simplify your portfolio, given that it is likely spread across multiple accounts? We focus particularly on retirees, who have to weigh additional considerations like withdrawals, Roth conversions, and required minimum distributions. We also explore which areas of the stock and bond markets are attractive right now as you seek to simplify and/or rebalance your portfolio. Sponsors Try NetSuite for Free Delete Me – Use code David20 to get 20% off Show Notes and Related Content A Complete Guide to Investing in I Bonds and TIPS (2026) 550: Asset Location: Where You Invest, Where You Live, What You Can Access Free Investment Strategy Report Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #561

  How to Navigate the AI Debt Bubble

  Jul 29, 202627 min

  We explore the expected size of AI-related debt, which vehicles hold it, what could go wrong, and how to protect yourself. Topics covered include: How AI capex boom compares to other large booms and busts What fixed income vehicles hold AI-linked debt What mechanisms are being used to transfer AI-debt risk. How circular finance is contributing to the AI infrastructure buildout What could go wrong with the AI infrastructure buildout that could lead to losses on AI-related debt How to tell what exposure you have to AI debt Sponsors Delete Me – Use code David20 to get 20% off NetSuite  Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes AI debt slide deck used for episode RBC Weighs $2 Billion Risk Transfer to Hedge Data Center-Linked Loans by Esteban Duarte and Paula Sambo—Bloomberg Hyperscalers Tap External Financing as AI Capex Outruns Cash Flow—FactSet Insight What History Tells Us About The AI Investment Boom by Larry Swedroe—Financial Advisor Goldman Sachs Warns on AI’s Debt Tsunami — Is This the End of the AI Boom? by Rich Duprey—Yahoo! Finance Progress and peril by Pablo Hernández de Cos—BIS The Opportunities and Risks AI Presents for the Economy and Financial System by Governor Lisa D. Cook—The Federal Reserve Financial Stability Report by The Board of Governors of the Federal Reserve System—The Federal Reserve Financing the AI infrastructure boom: on- and off-balance sheet borrowing by Egemen Eren, Ingomar Krohn and Karamfil Todorov—BIS How AI debt financing impacts duration supply and interest rates by Hugo De Vere, Srini Ramaswamy and Seth Searls—Federal Reserve Bank of Dallas US Life Insurers Held $807 Billion of Hard-to-Sell Credit by Alexandre Rajbhandari—Bloomberg Insurers are funding AI infrastructure – NAIC wants to know if the ratings hold up by Paul Lucas—Insurance Business US Corporate Bonds Statistics—sifma See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #559

  A Listener's Path from Zero to Millionaire in 10 Years - Nine Lessons to Get You There

  Jun 24, 202630 min

  David shares nine lessons a listener followed to become a millionaire. Topics covered include: The benefit of underspending on housing What rate of return and how much would you need to save to grow a portfolio to one million dollars Why historical studies of the S&P 500 returns are misleading David's recent portfolio mistake Sponsors Delete Me – Use code David20 to get 20% off NetSuite  Retirement Investing Webinar and Portfolio Cohort Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Related Episodes 498: What I Learned Investing in the Past Decade 454: How To Invest – Ten Rules of Thumb for Individual Investors See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #558

  Will You Be Forced to Own SpaceX and Other AI Stocks?

  Jun 10, 202626 min

  SpaceX, Anthropic, and OpenAI are all going public. Why now? And what will their weight be in index funds? What other U.S. ETF options are there if you don't want to have such a high concentration in stocks tied to AI. And finally, if you do buy SpaceX, what would need to happen to earn a reasonable return on your investment? Sponsors Delete Me – Use code David20 to get 20% off NetSuite  Retirement Investing Webinar and Portfolio Cohort Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Space Exploration Technologies Corp. Form S-1 Registration Statment Under the Securities Act of 1933—SEC Elon Musk Is Dropping a Boulder in a Kiddie Pool by Matteo Wong—The Atlantic Passive Aggressive: The Risks of Passive Investing Dominance by Chris Brightman and Campbell R. Harvey—SSRN Passive Investing and Market Quality by Philipp Höfler, Christian Schlag, and Maik Schmeling—SSRN Investments Mentioned iShares Core S&P 500 ETF (IVV) Tema S&P 500 Historical Weight ETF Strategy (DSPY) Defiance Large Cap ex-Mag 7 (XMAG) Invesco S&P 500 Equal Weight (RSP) Invesco FTSE RAFI US 1000 (PRF) See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #557

  Don't Fall Into the Dividend Trap. How Investors Misunderstand Covered Call ETFs

  May 27, 202626 min

  We explore the free dividend fallacy and how it applies to option income strategies. We break down the return drivers of covered call ETFs and examine the long-term performance record and volatility. Finally, we explain why it's better to own a single stock than a single-stock covered call ETF, such as MSTY, NVDY, or TSLY, offered by YieldMax. Show Notes The Dividend Disconnect - Samuel M. Hartzmark and David H. Solomon Sam Hartzmark on Dividends - Meb Faber Research The New American Hustle: Dividends Over Day Jobs - Denitsa Tsekova and Vildana Hajric - Bloomberg Covered Calls Uncovered - Roni Israelov and Lars N. Nielsen - Financial Analysts Journal Volatility Risk Premiums Embedded in Individual Equity Options: Some New Insights - Nikunj Kapadia and Gurdip singh Bakshi Sponsors Take the Money for the Rest of Us book quiz to see which investing book is best for you. Delete Me – Use code David20 to get 20% off Investment Mentioned Invesco S&P 500 BuyWrite ETF (PBP) JPMorgan Equity Premium Income ETF (JEPI) WisdomTree Equity Premium Income Fund (WTPI) YieldMax TSLA Option Income Strategy ETF (TSLY) Tesla (TSLA) YieldMax NVDA Option Income Strategy ETF (NVDY) NVIDIA (NVDA ) YieldMax MSTR Option Income Strategy ETF (MSTY) Strategy (MSTR) Related Episodes 471: Unlocking Income—A Comprehensive Guide to Investing in Covered Call ETFs 466: Does Dividend Investing Still Work? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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