Money for The Rest of Us

Investment help and financial guidance for the rest of us.

  • Podcast
  • Guides
        • Asset Classes

        • A Complete Guide to Investing in I Bonds and TIPS (2025)
        • A Complete Guide to Equity REIT Investing
        • A Complete Guide to Mortgage REIT Investing
        • A Complete Guide to Investing in Gold
        • A Complete Guide To Investing In Convertible Bonds
        • Investing in Bitcoin, Oil, and Volatility ETFs
        • Carbon Investing and its Effect on Climate Change
        • Farmland Investing
        • The Opportunity and Risk of Frontier Markets
        • Investment Vehicles

        • A Complete Guide to Investment Vehicles
        • How to Invest in Closed-End Funds
        • What Are SPACs and Should You Invest in Them?
        • Economics and Strategy

        • A Complete Guide to Understanding and Protecting Against Inflation
        • Why You Should Rebalance Your Portfolio
        • What Is Risk vs Uncertainty?
        • Tail Events and Tail Risk
        • Understanding Web3 Investing
        • General

        • David's Most Influential Books
        • Topic Index
        • Glossary
  • Model Portfolios
        • Model Portfolios

        • Ultra Conservative Model Portfolio
        • Conservative Model Portfolio
        • Moderate Model Portfolio
        • Moderately Aggressive Model Portfolio
        • Aggressive Model Portfolio
        • Role-based Model Portfolio
        • Equity Model Portfolio
        • Income Model Portfolio
        • Fixed Income Model Portfolio
        • Implementation

        • Model Portfolio Overview and FAQ
        • Model Portfolio Example Video
        • How to Select and Implement a New Portfolio Mix
        • Determining Whether To Sell A Taxable Holding
        • Portfolio Rebalancing
        • Calculating Investment Performance
        • Portfolio Resources

        • David’s Current Portfolio
        • David's Portfolio Trades
        • Model Portfolios Performance and Risk
        • Model Portfolio Holding Explanations
        • Model Portfolio Changes
        • Model Portfolio Alternatives for UCITS, TSP, and Others
        • Example Index Mutual Funds and ETFs
  • Members
        • General Resources

        • Plus Member Home
        • Member - Getting Started Guide
        • Member Forums
        • Submit A Question to the Plus Podcast
        • Member Tools and Downloads
        • Analysis Tools

        • Current Investment Strategy Report
        • Plus Premium Podcast
        • Categorizing Your Portfolio Spreadsheet
        • Asset Allocation Model (Spreadsheet)
        • Retirement Planning Calculator
        • Retirement Spending Calculator
        • All Investment Conditions Reports
        • Courses

        • Asset Allocation and Portfolio Lessons
        • Investing in Closed-End Funds
  • Join
  • Log In

Learn How to Think About Money, Not Just What To Do With It.

Money for the Rest of Us builds a bridge between understanding financial markets and knowing how they affect your net worth, helping you make better investment decisions for your future.

Listen to the Podcast
See OUr Resources
Money For the Rest of Us author David Stein. Portrait by photographer Bret Stein

David Stein, Money for the Rest of Us

“David has a soothing style that interjects thought-provoking ideas, concepts, and entertaining stories on broader topics that intertwine with life and investing.” – Max Wexler

Featured In

Many investors fixate on hot stock tips or budget hacks.

Not us.

We give you a big picture understanding of how money, markets, and the economy work, to help guide your investing.

How Money Works and Why It Matters.

The first rule of investing is to understand what you’re investing in. We help you holistically understand money, the economy, and investing so you can make better decisions for your future.

Get Perspective,
Not Predictions

We can’t know the future. Money for the Rest of Us helps you better understand and balance risks and opportunities so you can make the best choices with the available facts.

Cut Through Media Noise and Hype

We help you reflect before you react, so you understand which market signals really matter and make emotionally grounded investment decisions.

“It’s investing made simple and easy.” – Stacy J.

Our Resources

Get helpful investment education across multiple channels. 

Podcast

Covering timely investment topics with evergreen principles, I help you navigate investing in weekly, 30-minute episodes.

Guides

Our free, award-winning guides help you understand the big and small of investments.

Find them in the top menu on any page.

Membership

Plus Membership has everything do-it-yourself investors need to feel supported and make better investment decisions: market analysis, model portfolios, and answers to your questions.

Book

Cover all the basics! My book is a straightforward deep-dive into the essential investment principles everyone needs to understand to confidently invest.

Asset Camp

Asset Camp’s stock & bond valuation tools, expected returns modeling, and investment strategy reports better equip advisors to help clients understand how you’re protecting their future.

“I am never disappointed by an episode and the weekly email is always great.“
– Podcast Listener

Preview of the Money for the Rest of Us Investing Checklist

Elevate Your Financial Confidence with Our “Essential Money for the Rest of Us” Email Series!

  • An immediate free download of our comprehensive Investing Checklist!
  • Five emails with 8 Essential Investment Principles that will help your daily investment decisions
  • Our recommendations for podcast episodes, articles, and books
  • Our weekly investment newsletter
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Trusted by Thousands
of Listeners and Readers

Thanks for what you do, it’s been an essential part of my financial education

Anonymous

Podcast Listener
I really enjoy your commentary on lifestyle and world events and how they shape the financial landscape.  You bring in the right amount of authoritative viewpoints via snippets in your podcast, such as Talib or Dahlio.  That is more than enough for me.  Minimal noise.  Just what the listener needs.

Anonymous

Podcast Listener
I get the most value from the way you put me at ease about my investments and to not worry about it or make any drastic changes, especially when there are significant global events.

Dennis Trumpy

Podcast Listener

I think it’s fantastic you have the free podcasts and guides to help introduce people to financial systems. The site/podcast has been very helpful in learning new ways to invest so I can determine what’s best for my situation. 

Anonymous

Podcast Listener
I really appreciate this podcast. It is so hard to find good podcasts with an intellectual basis, presented by someone who is compelling, genuinely interested, and well grounded in the topic. I purchased a [Plus Membership] and it has been a great investment. It helped me restructure my funds when I retired as well as providing info on many investment products. 

Anonymous

Podcast Listener

I just want to express my deep gratitude for what you do. I can tell that you genuinely care about your listener and empowering them to make better decisions . . . I think of you as my money mentor.

Anonymous

Podcast Listener

“[David] is knowledgeable, practical, mathematical, plain spoken and sometimes funny and philosophical.“
– Podcast Listener

Meet Your Investing Guide

J David Stein - Money for the Rest of Us

As the founder of Money for the Rest of Us, David Stein helped thousands of investors make better decisions over the past decade. His work has been referenced by NASDAQ, Forbes, Business Insider, Investopedia, and more. 

Previously, David spent nearly two decades as an institutional investment advisor and portfolio manager. He was a managing partner at FEG Investment Advisors, a $15 billion investment advisory firm. At FEG, David served as Chief Investment Strategist and Chief Portfolio Strategist.

David is also the author of Money for the Rest of Us: 10 Questions to Master Successful Investing, which was published by McGraw-Hill.

Over 22 million downloads

Money for the Rest of Us has over 500 standard podcast episodes, over 400 Plus premium episodes, and a collective 22+ million downloads.

Award Winning and Industry Recognized

Money for the Rest of Us is the recipient of two Plutus Awards and has been featured in Forbes, Business Insider, Investopedia and more!

Effective Resources

Our resources work. For example, 95% of our premium level Plus Members feel they now better understand financial markets and economic trends.

Standards We Follow

I don’t teach anything that I don’t believe in and use myself. I take our investing resources seriously, and I’m using them right alongside you.

Contact | Team | Topic Index


Darby Creek Advisors LLC
P.O. Box 68544 • Tucson, AZ • 85737

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