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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.

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Sep 9, 2026 · 26 minThe Financial System Will Be Hacked and How to Prepare For ItDavid explores how bad actors could use AI to disrupt financial systems, transportation networks, and utilities. He lays out how to prepare for a cyberattack on the finanAug 26, 2026 · 28 minBond Market Chaos: Why Interest Rates Keep Rising and What to Do About ItWith national debt above $40 trillion and Treasury yields at 19-year highs, David analyzes market interventions and shows how to position a portfolio to protect against fAug 12, 2026 · 27 min5 Steps to Simplify Your Investment PortfolioAimed at retirees juggling many accounts, David walks through a five-step process to consolidate and simplify a portfolio while accounting for withdrawals, Roth conversioJul 29, 2026 · 27 minHow to Navigate the AI Debt BubbleDavid examines how large AI-related debt could become, which fixed-income vehicles hold it, how the risk gets transferred, and what infrastructure buildout failures couldJul 15, 2026 · 26 minIs Inflation Manipulated? If So, What to Do About ItDavid looks at how inflation calculations get modified to appear lower and what to do about it, covering currency debasement, skill development, and figuring out your perJun 24, 2026 · 30 minA Listener's Path from Zero to Millionaire in 10 Years - Nine Lessons to Get You ThereNine lessons from a listener who went from zero to a million dollars in a decade, including underspending on housing, the savings rate and returns required, and a correctJun 10, 2026 · 26 minWill You Be Forced to Own SpaceX and Other AI Stocks?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 haveMay 27, 2026 · 26 minDon't Fall Into the Dividend Trap. How Investors Misunderstand Covered Call ETFsWe 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 perfoMay 13, 2026 · 23 minWe Are All WayfindersWhy we have to navigate investing, business, and life with a compass rather than a GPS. David also provides an update on what he has learned from hosting live portfolio cApr 29, 2026 · 28 minFive Practices That Have Shaped My CareerI share five business practices that have carried me through asset bubbles, financial crises, business pivots, and now the rise of AI. Topics covered include: RecommendedApr 22, 2026 · 4 minInvitation to Our Live Portfolio Review and Rebalancing Special WebinarPlease attend our live webinar on portfolio construction and rebalancing scheduled for Thursday, April 30th, at 12PM Eastern, 9AM Pacific time. I will cover the five stepApr 15, 2026 · 27 minThere Is No Perfect Portfolio. Just Good EnoughWhy portfolio construction is messy, personal, and never perfect. We compare the pros and cons of several portfolio strategies, including target-date funds, risk parity, Apr 1, 2026 · 7 minA MFTROU Update, Cognitive Offloading Versus Cognitive Surrender, and Live Portfolio CohortsIn this mini episode, I share some examples of how I am using Claude Cowork and other tools to boost my productivity and build investment portfolio analysis tools. I alsoMar 25, 2026 · 27 minIs Another Great Financial Crisis Coming? 5 Ways to PrepareHow the Iran conflict and other developments could lead to another major financial crisis. What is different today from 2008? Why trying to seed a revolution is so risky.Mar 11, 2026 · 26 minAI Is Changing Me - and the Case for Good EnoughWhen is good enough actually good enough? AI is reshaping how I work and live. And a member with a portfolio that's beaten an all-in-one Vanguard LifeStrategy fund for teFeb 25, 2026 · 28 minWhat Average Really Looks Like — and Can Managed Futures Help?How historical and expected returns for university endowments can guide us in setting reasonable return expectations. We also analyze managed futures strategies to see hoFeb 11, 2026 · 24 minAsset Location: Where You Invest, Where You Live, What You Can AccessIn this episode, we look at asset location, how to decide which investments belong in taxable, tax-deferred, and tax-free accounts, how where we live shapes the opportuniJan 28, 2026 · 24 minWhy Catastrophe Bonds Yield 12%. Should You Invest?A new ETF allows individuals to earn income by insuring against natural disasters through investing in catastrophe bonds. We break down the historical returns, risk, feesJan 14, 2026 · 33 minWhat Will Drive Financial Markets in 2026—and How to Make It Your Best YearWe explore the forces likely to shape financial markets in 2026 and how to make better decisions as you pursue your goals this year. Topics covered include: The differencDec 17, 2025 · 26 minDebt Is For Managing Wealth Not Creating ItShould you borrow money to magnify returns in your 401 (k), IRA, or other tax-deferred retirement account? We examine Basic Capital, which allows investors to leverage thDec 10, 2025 · 23 minDo Retiring Baby Boomers Actually Move Markets? And How Much Do Demographics Really MatterAs Baby Boomers continue to retire, some analysts expect financial markets to feel the strain. We examine whether demographic shifts truly shape stock and bond returns, oNov 19, 2025 · 42 minBurnout, Breaks, and the Courage to Spend with David BachDavid converses with best-selling author David Bach about preventing burnout through sabbaticals, moving to another country, why retirees should take Social Security as eNov 12, 2025 · 21 minSports Betting Is Not InvestingCan you really make money sports betting on low-risk, high-probability events? Topics covered include: The growing size and influence of the U.S. sports betting market ReOct 29, 2025 · 22 minHoarding, FOMO, and Zcash: A Private BitcoinWhat’s the difference between hoarding and investing? There’s a reason markets built on productive assets—like stocks and bonds—are far larger than hoarding markets such Oct 22, 2025 · 27 minDon’t Take Financial Advice from AIHow AI gets simple finance wrong, and how to make it work for you, not mislead you Topics covered include: How AI ignores the time value of money A detailed example of Ch

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