Institutional-Quality Portfolio Resources Built for DIY Investors.
Access what advisors use for their wealthiest clients: model portfolios, real data, and trusted frameworks.
“Money for the Rest of Us Plus is one of the best investments I have ever made.” – Uzi Kilon, Plus Member
You don’t want to pay 1% of your portfolio to an advisor every year.
You’ve done the math on what that costs over time: hundreds of thousands of dollars or more.
You also don’t want to wing it with free Substacks, Reddit threads, and CNBC. You’ve watched enough market cycles to know they can be unreliable.
You want what institutional investors have: a disciplined framework for thinking about portfolios, real data instead of marketing material, and a practitioner whose judgment you can trust because you can see the work.
That’s what Plus Membership is.
Built by an institutional investor who managed billions
David Stein spent nine years as Chief Investment Strategist and Chief Portfolio Strategist at FEG Investment Advisors, a $15 billion institutional advisory firm where he advised and managed investments for endowments, foundations, and high-net-worth families.
For the past 12 years, he has done the same work in public through the Money for the Rest of Us podcast (over 25 million downloads), a McGraw-Hill book, and a membership community that has helped thousands of investors
David strategized and invested through the Asian financial crisis, the dot-com bubble, the 2008 financial crisis and Great Recession, the 2020s’ COVID-19 pandemic and its subsequent market volatility, and every other economic moment that mattered between 1995 and today. The work you’ll see in Plus Membership is the same work he did for institutional clients, now built for serious individuals.
“I enjoy the way David explains how markets and financial concepts work and how to apply common sense ideas to investing. 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, Plus Member
Money for the Rest of Us Plus: What You Get
Vetted Model Portfolios With a 10-Year Track Record,
Matched to Your Risk Profile
Each portfolio holds only ETFs and has no proprietary products, no kickbacks, and no conflicts of interest. The composition, weights, and reasoning are visible to you the moment you join.
David manages these model portfolios in real time and adjusts when conditions warrant (about 1.5 changes per year on average over the past 11 years). When changes happen, you see the adjustment, the reasoning, and the data that drove it.
Selected performance through June 30, 2026 (annualized, net of fees):
| QTR | YTD | 1 Year | 3 Years | 5 Years | 10 Years | Since Inception | Inception Date | Maximum Drawdown | Annual Standard Deviation | |
|---|---|---|---|---|---|---|---|---|---|---|
| Ultra Conservative Model Portfolio | 3.9% | 3.5% | 8.5% | 7.8% | 3.2% | 3.6% | 12/31/2018 | -16.2% | 5.3% | |
| Conservative Model Portfolio | 6.5% | 6.1% | 12.9% | 10.5% | 5.1% | 5.2% | 5.8% | 3/31/2016 | -16.2% | 6.7% |
| Moderate Model Portfolio | 9.4% | 8.5% | 17.2% | 13.2% | 7.1% | 7.2% | 7.2% | 3/31/2016 | -17.7% | 8.1% |
| Moderately Aggressive Model Portfolio | 11.6% | 10.5% | 20.9% | 15.4% | 8.6% | 8.5% | 8.6% | 3/31/2016 | -21.6% | 9.6% |
| Aggressive Model Portfolio | 13.2% | 11.8% | 23.5% | 17.1% | 9.6% | 10.9% | 12/31/2018 | -24.8% | 10.7% | |
| Role-based Model Portfolio | 4.1% | 4.2% | 15.5% | 13.4% | 7.2% | 9.8% | 12/31/2018 | -17.8% | 8.6% | |
| Equity Portfolio | 15.1% | 13.6% | 27.4% | 19.8% | 11.6% | 12.2% | 11.9% | 3/31/2016 | -34.5% | 12.5% |
| Diversified Income Portfolio | 13.9% | 12.1% | 15.9% | 10.2% | 2.8% | 3.3% | 4.3% | 3/31/2016 | -44.4% | 16.6% |
| Fixed Income Portfolio | 1.2% | 1.0% | 4.0% | 5.1% | 1.6% | 1.8% | 1.9% | 3/31/2016 | -11.5% | 3.3% |
Past performance does not guarantee future results. The portfolios are educational examples, not personalized advice.
Access David’s Personal Portfolio
Most paid investment services tell you what to do. Plus Membership shows you what David actually does. You see his complete holdings, current weights, every trade he makes in his own accounts, and the reasoning behind each decision.
Monthly Investment Strategy Report
A 20+ page institutional-quality analysis delivered monthly, built on data from MSCI, Bloomberg, and other institutional sources that cost tens of thousands per year to license. Each report covers what happened, where conditions stand across valuations and economic trends, and what it means for positioning.
Plus Members also get a same-day audio commentary that walks through the report, for times when you’d rather listen than read.
Twice-Monthly Plus Podcast Episodes and Quarterly Live Streams
Two members-only episodes per month answering questions from the Money for the Rest of Us Plus community, going deeper on specific holdings, and exploring topics that don’t fit the public podcast. Additionally, quarterly livestreams where you can ask questions in real time.
A Library That Compounds
- 12 years of ad-free podcast episodes.
- 12 years of Plus-only episodes.
- Investment lessons for new and experienced investors.
- Asset allocation modeling spreadsheets.
- Retirement planning calculators.
- A member forum where investors with comparable portfolios discuss real decisions.
What Plus Membership Is Not
We’re not a stock-picking service. We don’t chase the latest theme. We don’t promise to time markets.
We don’t claim our framework predicts what stocks will do next quarter. It doesn’t. What it does is help you make calibrated portfolio decisions across the levers that actually matter, based on real data and three decades of institutional experience.
Who Is Plus Membership For?
Plus Members are serious about managing their own wealth and tend to share a few traits:
- Long-term focused
- Want institutional-quality thinking without paying institutional fees
- Asset-class focused rather than stock-picking focused
- A mix of US, Canadian, European, Australian, and global members
And Does Plus Membership Help? Yes.
“This membership is the gift that keeps on giving whenever I receive a new Plus episode of the podcast, an investment report, or an interesting new forum post. I have never regretted joining!” – Ryan S., Plus Member
The Value of Plus Membership
A single hour with a fee-only fiduciary advisor typically costs $300–$500.
A 1% AUM advisor on a $1M portfolio costs $10,000 per year, every year.
Plus gives you the same institutional-quality thinking, uses the same data sources, the same analytical framework, and the same kind of disciplined portfolio management for $450 a year, with no AUM fees and no conflicts of interest.
You maintain control and save money by doing the implementation yourself, while we do the support work that helps make your implementation low-anxiety and defensible.
Pick Your Membership
Monthly
$50/month
–
- Access all Money for the Rest of Us Plus tools and content, including:
- Monthly Investment Strategy Reports
- Model Portfolios
- Plus Podcast Episodes
- Investment Lessons
- Exclusive Livestreams
- And More
Annual
$450/year
($37.50/month, billed annually)
- Access all Money for the Rest of Us Plus tools and content, including:
- Monthly Investment Strategy Reports
- Model Portfolios
- Plus Podcast Episodes
- Investment Lessons
- Exclusive Livestreams
- And More
- Save $150/year over Monthly
- Renews automatically; we’ll remind you first
Join Now and Your Membership Price Will Never Increase
The price for new Money for the Rest of Us Plus memberships periodically increases. By joining now, your membership rate will never change as long as you continue as a Plus Member.
Full List of Tools and Features ▼
A full list of Money for the Rest of Us Plus’ tools and features. You can also check out our introductory video.
- Monthly Investment Conditions and Strategy Report
- 9 model portfolios with specific ETF holdings and weights ranging from Ultra-Conservative to Aggressive
- Step-by-step video lessons on building and managing an institutional-quality investment portfolio
- Spreadsheets and calculators that help you analyze your existing portfolio and plan for the future
- Detailed monthly snapshot of David Stein’s personal investment portfolio, including his asset allocation weights, holdings, trades, and candid insights
- Your questions answered on the weekly Plus podcast episodes, along with unlimited access to over 300 back episodes
- Ad-free access to the regular Money for the Rest of Us podcast
- Member forum where you can get your investing questions answered.
- Free access to Money for the Rest of Us standalone paid courses.
- Mobile access to audio and video content on the Money for the Rest of Us app
- Premium audio feed on your preferred podcasting app
- Written transcripts for regular and Plus podcast episodes
FAQ ▼
Q. Who is the target market?
A. Money for the Rest of Us Plus is for individuals who are serious about managing and growing their net worth by accessing professional-grade portfolio tools and training. Members are asset-class-focused and not interested in gimmicks or the latest hot stock picks. Members’ portfolio sizes range from less than $100,000 to over $5 million. More than 50% of members have investable assets greater than $1 million. Money for the Rest of Us Plus has a global membership that lives in the U.S., Canada, Europe, Australia, and elsewhere. Here is a demographic profile of Plus Members.
Q. How often is new content added to Money for the Rest of Us Plus?
A. New content is added weekly. There is a new member-only Plus podcast episode on most weeks. Additional content added throughout the month includes the Investment Conditions and Strategy Report with audio commentary, David’s portfolio profile with audio commentary, and additional video and audio lessons as needed. Model portfolios are monitored and updated on an ongoing basis. The long-term asset allocation assumptions are updated on an as-needed basis, usually at least every six months.
Q. What happens after I purchase a membership?
As soon as you purchase your membership you will have immediate access to the full Money for the Rest of Us website. You’ll be taken to an introductory video that will give you an orientation of the Plus content and how to get the most out of your membership. At the same time, you will also be sent two emails. One will be a receipt of your purchase. The other will be the first email in a series that will highlight different parts of your Plus Membership. If you have any questions you can reply to these emails and we will be happy to help.
Q. Will my membership automatically renew?
Monthly and annual Money for the Rest of Us memberships are set up to renew automatically. Monthly memberships will automatically renew each month. Annual memberships will renew each year (we’ll send you a reminder 7 days before). You can turn off auto-renew at any time and your membership will stay active until the end of your membership.
Q. What are your cancellation and refund policies?
A. You can cancel your monthly or annual membership anytime. Monthly memberships are not eligible for refunds.
For annual memberships, you can get a full refund if you cancel in the first 30 days by emailing us at member@moneyfortherestofus.com. No refunds are given for annual memberships after the first 30 days.
Q. Can I listen to the Plus episodes and other audio content on my mobile device or in my car while commuting?
A. Yes. Money for the Rest of Us Plus is optimized for mobile devices as more than 50% of members access content via their mobile phones or tablets. There is a member-only RSS feed for all audio content including the ad-free version of the regular podcast. This RSS feed can be added to most popular podcasting apps.
Q. Does Money for the Rest of Us Plus contain model portfolios for individuals with different goals, life stages, and risk profiles?
A. Yes. The site contains over a dozen model portfolios with specific ETF fund holdings weights ranging from “Ultra-Conservative” to “Aggressive” risk profiles. There are adaptive models that adjust based on market conditions and simple static models that do not change. Please note the model portfolios contain ETFs and mutual funds that trade on U.S. exchanges. There is a list of substitute UCITS holdings for European investors. The site also contains an asset allocation modeling spreadsheet so you can compare different asset allocation scenarios to evaluate their expected rates of return and risk of capital loss.
Q. Will I be able to see all of David Stein’s investment holdings?
A. Yes. You will also see his overall asset allocation weights and portfolio trades.
Q. Why does annual membership cost $450 per year?
A. Money for the Rest of Us Plus is not an investment newsletter. It is a comprehensive multi-media investment education platform with professional-grade portfolio tools and training. We draw upon institutional investment and economic research services that cost tens of thousands of dollars per year to access. To put it in perspective, an annual membership to Money for the Rest of Us Plus costs less than one credit hour at most U.S. 4-year colleges, which ranges from $230 to $1,150 according to the College Board.
Important Disclosures
The Information and opinions contained in Money for the Rest of Us are for educational purposes only. The Information does not consider the economic status or risk profile of any specific person.
The Information and opinions expressed should not be construed as investment/trading advice or investment recommendations and do not constitute an offer, or an invitation to make an offer, to buy and sell securities.
The Information and opinions contained on Money for the Rest of Us are for investment education and are considered general communications in the form of an online financial newsletter / broadcast video and audio shown to the general public.
The model asset allocations and model portfolios on the site are hypothetical examples and not investment recommendations. Individuals who are considering applying the model asset allocations and model portfolios to their individual situations should consider their other assets, income, and investments such as home equity, individual retirement plan assets, savings accounts, and interest in other qualified and non-qualified plans.
The Information on Money for the Rest of Us was obtained from various sources. Darby Creek Advisors LLC does not guarantee the accuracy or completeness of such Information provided by third parties. Money For the Rest of Us and Darby Creek Advisors LLC assumes no obligation to update this information or to advise on further developments relating to it.
Any return expectations provided for individual asset categories, model asset allocations, or model portfolios are not intended as, and must not be regarded as, a representation, warranty, or prediction that an investment will achieve any particular rate of return over any particular time period or those investors will not incur losses.
