Money for The Rest of Us

Investment help and financial guidance for the rest of us.

  • Home
  • Topics
  • Your Info
  • Contact
  • Log In
  • Search
  • About
  • Podcast
  • Guides
        • Asset Classes

        • A Complete Guide to Investing in I Bonds and TIPS (2023)
        • 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?
        • IVOL ETF Analysis and Review
        • Fundrise Real Estate Interval Fund Review
        • Money and Economics

        • A Complete Guide to Understanding and Protecting Against Inflation
        • Understanding Web3 Investing
        • Strategy

        • Why You Should Rebalance Your Portfolio
        • What Is Risk vs Uncertainty?
        • Tail Events and Tail Risk
  • Members
        • Tools

        • Asset Allocation and Portfolio Tools
        • Current Investment Conditions and Strategy Report
        • All Investment Conditions Reports
        • Strategic and Adaptive Model Portfolios
        • David’s Current Portfolio
        • David's Portfolio Trades
        • Podcast

        • Plus Premium Episodes
        • Submit A Question to the Plus Podcast
        • Courses

        • Investing in Closed-End Funds
        • Resources

        • Member - Getting Started Guide
        • Member Tools and Downloads
        • Topic Index
        • Glossary
        • Most Influential Books
        • Forums
  • Join
You are here: Home / Money For the Rest of Us Plus Episodes

Money For the Rest of Us Plus Episodes

Money For the Rest of Us Plus is a weekly premium podcast that answers questions from members on a variety of investing and finance-related topics. New episodes are released on Saturday. Members can submit a question here for consideration in an upcoming Plus episode.

Here is a list of all of the Plus Episodes:

419 Plus: February 2023 Investment Conditions Commentary

February 4, 2023
In Plus episode 419, we review the current state of financial markets and the global economy. We also share our Go to episode…
Read More

418 Plus: Mortgage REIT Preferred Stock, Debt Ceiling Standoff, and Fallen Angel Bonds

January 28, 2023debt ceiling,fallen angels,high yield bonds,mortgage REITs,national debt,non-investment grade bonds,preferred stocks,REIT preferreds
In Plus episode 418, we review the current status of mortgage REITs and analyze the mortgage REIT preferred stock David Go to episode…
Read More

417 Plus: Which Assets Now, How Much in Real Estate, Disinflation, Foreign Taxes, and CEFs

January 21, 2023asset allocation,closed-end funds,disinflation,dividends,real estate,taxes
In Plus Episode 417, we consider whether there is an optimal price to renter the S&P 500 Index or other Go to episode…
Read More

416 Plus: Updated Expected Return Assumptions, Will the Dollar Stay Strong, and More on Dollar Cost Averaging

January 14, 2023dollar cost averaging,expected returns,U.S. dollar
In Plus Episode 416, we review the methodology Money For the Rest of Us uses to develop expected returns for Go to episode…
Read More

415 Plus: January 2023 Investment Conditions Commentary

January 7, 2023
In Plus episode 415, we review 2022 financial performance and discuss the current outlook based on year-end investment conditions. Go to episode…
Read More

414 Plus: Emerging Markets Latin America Stocks, Bank Safety and Investing Lump Sums

December 17, 2022banks,dollar cost averaging,emerging markets,expected returns,high yield savings,Latin America,lump sum
In Plus episode 414, we review the current valuations of Latin American stocks, deconstruct historical performance, and develop estimates for Go to episode…
Read More

413 Plus: December 2022 Investment Conditions Commentary

December 10, 2022
In Plus episode 413, we review why investment conditions were upgraded to low neutral YELLOW from RED. Go to episode…
Read More

411 & 412 Plus: Floating Rate Treasuries, TFLO, Real Yield Curves, Trust, and GBTC

December 3, 2022floating rate bonds,floating rate Treasuries,GBTC,inverted yield curve,real yield curve,TFLO,yield curve
In this combined Plus episode 411 and 412, we explore how U.S. Treasury Floating Rate Notes work, and why they Go to episode…
Read More

410 Plus: TIPS Auction Results, Normal Interest Rates, 90/10 Portfolios, and Financial Independence

November 19, 2022Buffett (Warren),financial independence,interest rates,TIPS,Treasury Inflation Protected Securities
In Plus episode 410, we review the results from the recent TIPS auction that David participated in. We look at Go to episode…
Read More

409 Plus: Buying TIPS at Auction, Building a TIPS Ladder, and Deciding Between Short-term and Long-term Bonds

November 12, 2022bonds (long duration),bonds (short-term),TIPS,Treasury auctions,Treasury Inflation Protected Securities,U.S. Treasury auctions
In Plus Episode 409, we introduce the Money For the Rest of Us affiliate program. We discuss the complexities of Go to episode…
Read More

408 Plus: November 2022 Investment Conditions Commentary

November 5, 2022
In Plus episode 408, we explore current asset class valuations, economic trends, and market internals to see what if any Go to episode…
Read More

407 Plus: More on Annuities, Real Estate, Yield Curve, Strong Dollar, and Zombie Firms

October 29, 2022annuities,crowdfunding,CrowdStreet,fixed income,fixed index annuities,Fundrise,international stocks,U.S. dollar,zombie firms
In Plus Episode 407, we continue our discussion on fixed annuities and fixed index annuities. We discuss real estate crowdfunding Go to episode…
Read More

406 Plus: More on SVOL, Active Bond Funds, Vanguard Risk Rates, and Purchasing Real Estate in IRAs

October 15, 2022active bond funds,active vs passive investing,IRA,PUTW,real estate,self-directed IRA,SVOL,Vanguard,VIX
In Plus Episode 406, David provides more detail on why he sold the Simplify Volatility Premium ETF. We discuss how Go to episode…
Read More

405 Plus: October 2022 Investment Conditions Commentary

October 8, 2022
In Plus episode 405, we review why overall investment conditions were downgraded to RED and whether investors should further reduce Go to episode…
Read More

404 Plus: More on Bonds, Interest Rates, Monetary Velocity, and Inflation

October 1, 2022bonds,college savings,home mortgage,money supply,mortgage,velocity of money
In Plus Episode 404, we discuss paying down a mortgage early now that interest rates are higher. We answer a Go to episode…
Read More

403 Plus: Is This Normal? Rate Increases, Negative Returns, and Owning Short-term versus Long-term Bonds

September 24, 2022bonds (long duration),bonds (short-term),Federal Funds rate,interest rates,monetary policy
In Plus Episode 403, we consider whether the current market volatility is normal compared to earlier periods of rising interest Go to episode…
Read More

402 Plus: Buying TIPS, Taxes and Bonds, and Calculating Investment Returns

September 17, 2022dollar-weighted returns,IRR,municipal bonds,return on investment,ROI,taxes,time-weighted returns,TIPS,Treasury Inflation Protected Securities
In Plus Episode 402, we discuss purchasing individual Treasury Inflation Protection Securities versus TIPS ETFs. We look at how bonds Go to episode…
Read More

401 Plus: September 2022 Investment Conditions Review

September 10, 2022
In Plus episode 401, we review the latest investment conditions including economic trends, the outlook for inflation, and asset class Go to episode…
Read More

400 Plus: Annuities Follow Up, TIPS Underperformance, and Rights and Warrants

September 3, 2022immediate annuities,rights offering,TIPS,Treasury Inflation Protected Securities,warrants
In Plus episode 400, we answer a follow-up question on annuities from Plus episode 398. We look at why Treasury Go to episode…
Read More

399 Plus: Student Loan Forgiveness and Inflation, Building a Bond Ladder, a New High Yield Savings Account Offering

August 27, 2022bond ladder,bullet ETFs,inflation,Save,student loans
In Plus episode 399, we introduce the new Money For the Rest of Us glossary. We consider whether the Biden Go to episode…
Read More

398 Plus: Immediate Annuities, Mortality Credits, Leveraged ETFs, and Valuing Pensions

August 20, 2022bond ladder,ETFs,immediate annuities,leveraged ETF,mortality credits,pensions,Social Security
In Plus episode 398, we analyze how much immediate annuity payments have increased as interest rates have risen. We review Go to episode…
Read More

397 Plus: Wash Sales, Carried Interest, and Interval Funds

August 13, 2022carried interest,Fundrise,Sweater,tax-loss harvesting,wash sales
In Plus Episode 397, we look at what wash sales are and who polices them as it relates to tax Go to episode…
Read More

396 Plus: August 2022 Investment Conditions

August 6, 2022
In Plus Episode 396, we review asset class valuations, economic trends, and market internals. We discuss the geopolitical risk between Go to episode…
Read More

395 Plus: Is the U.S. in a Recession? and David’s Recent Portfolio Changes

July 30, 2022PFIX,portfolio trades,recession indicators,recessions
In Plus Episode 395, we analyze the U.S. Q2 GDP report, and other leading economic indicators to assess recession risk. Go to episode…
Read More

394 Plus: Share Buyback Timing, Contango vs Backwardation, and the Fundrise Growth Tech Fund

July 23, 2022backwardation,buyback yields,commodities,commodity futures,contango,Fundrise,stock buybacks
In Plus Episode 394, we look at whether corporate management repurchases stock shares when the price is low or when Go to episode…
Read More

393 Plus: Interest Rates, Convertible Bonds, and a Speculative Case for Bitcoin and Ethereum

July 15, 2022Bitcoin,convertible bonds,cryptocurrency,Ethereum,Eurodollar futures,interest rates,mortgage
In Plus Episode 393, we consider current U.S. interest rates and whether a member should lock in a mortgage now. Go to episode…
Read More

392 Plus: July 2022 Investment Conditions Commentary including Growth versus Value

July 9, 2022growth stocks,value stocks
In Plus Episode 392, we review economic trends, asset class valuations, and market internals as of early July 2022. We Go to episode…
Read More

391 Plus: Adaptive Model Portfolio Changes, Updated Return and Risk Assumptions, and the Peak Housing REIT

June 25, 2022equity REITs,expected returns,model portfolio changes,model portfolios,private REITs
In Plus episode 391, we review the recent adaptive model portfolio changes to reduce equity exposure and lower credit risk Go to episode…
Read More

390 Plus: Why Stock Markets Rise, Analyzing Crowdfunded Real Estate, and Roofstock One

June 11, 2022crowdfunding,GDP,Roofstock,stock market returns
In Plus episode 390, we explore why stock markets generally appreciate over the long-term. We review how to analyze real Go to episode…
Read More

389 Plus: June 2022 Investment Conditions Audio Commentary

June 7, 2022
In Plus Episode 389, we review investment conditions as of early June 2022. Go to episode…
Read More

388 Plus: Expected Return Update, Direct Indexing, Strengthening Yen, and Two TIPS CEFs

May 28, 2022direct indexing,expected returns,Japanese yen,TIPS,WIA,WIW
In Plus Episode 388, we look at how Money For the Rest of Us is seeking to improve its process Go to episode…
Read More

387 Plus: BlockFi Trade, I Bonds, College Savings, and Comparing Funds and ETFs

May 21, 2022BlockFi,college savings,ETFs,savings bonds,Series I savings bonds,TIPS
In Plus episode 387, David explains why he closed his BlockFi Interest Account. We discuss how the level of real Go to episode…
Read More

386 Plus: Outperforming the Market, Financial Condition Indices, and Reducing Gold Exposure

May 14, 2022closed-end funds,financial condition indices,gold,outperforming the market
In Plus episode 386, we explore what the phrase “outperform the market” means. We review several financial condition indices produced Go to episode…
Read More

385 Plus: May 2022 Investment Conditions and Who Is Selling?

May 7, 2022buying,market losses,selling stocks,stock market
In Plus episode 385, we look at current investment conditions and why now is not the time to panic. We Go to episode…
Read More

384 Plus: Survey Follow Up, A Stablecoin Collapse, and Trying to Analyze Ripple

April 30, 2022Beanstalk,stablecoins,XRP
On Plus 384, we provide some feedback on the Plus member survey and seek additional insight on how best to Go to episode…
Read More

383 Plus: Analyzing ETFs, the Debt Cycle, and Investing When Retiring Outside Your Home Country

April 23, 2022debt cycle,ETF analysis,ETFs,PFICs,retirement investing
In Plus Episode 383, we review the criteria for selecting and comparing ETFs. We discuss how to invest near-term living Go to episode…
Read More

382 Plus: How High Will Interest Rates Go, A New Portfolio Holding, and Setting Limit Prices

April 16, 2022DSU,Federal Reserve,interest rates,limit orders,LQDH,quantitative tightening
In Plus Episode 382, we review previous Federal Reserve tightening cycles to see when and at what level longer-term interest Go to episode…
Read More

381 Plus: April 2022 Investment Conditions and How To Worry Less About Your Portfolio

April 9, 2022
In Plus Episode 381, we review the latest investment conditions and consider the risks of central banks overcorrecting and raising Go to episode…
Read More

380 Plus: Why the Japanese Yen Is Falling and a Follow Up on Simplify ETFs including PFIX

April 2, 2022currencies,DFJ,DXJS,Japan,Japanese yen,PFIX,Simplify ETFs
In Plus Episode 380, we explore what is causing the Japanese yen to decline relative to the dollar and how Go to episode…
Read More

379 Plus: Recent Portfolio Trades, Inverted Yield Curves, and Maintaining a Homestead

March 26, 2022homestead,inverted yield curve,MCI,SVOL,yield curve
This week on Plus Episode 379, David discusses recent changes to his portfolio including the addition of the Barings Corporate Go to episode…
Read More

378 Plus: A Frustrating Time To Invest and Did BulletShares Underperform?

March 12, 2022bonds,bullet ETFs,investment philosophy,uncertainty
In Plus Episode 378, we discuss the fear, uncertainty, and frustration we can feel investing in the current environment. We Go to episode…
Read More

377 Plus: March 2022 Investment Conditions and Why Bonds

March 5, 2022bonds – why own
In Plus Episode 377, we review investment conditions as of early March 2022 given the heightened level of certainty arising Go to episode…
Read More

376 Plus: Russia, Ukraine, Oil and the Energy Sector

February 25, 2022energy,futures,oil,oil exploration,oil futures,oil investing,oil prices,roll yield,Russia,Ukraine
In Plus Episode 376, we further consider the ramifications of Russia’s invasion of Ukraine. We also review the pros and Go to episode…
Read More

375 Plus: ARKK vs SPY, Blockchain ETFs, and an Analysis of DSL

February 19, 2022ARKK,BITQ,BKCH,BLCN,blockchain,blockchain ETFs,BLOK,DSL,LEGR,SPY
In Plus Episode 375, we expand on the discussion regarding choosing between the ARK Innovation ETF and an S&P 500 Go to episode…
Read More

374 Plus: Portfolio Trade, A New Risk Parity ETF, and the Moonfare Private Equity Platform

February 12, 2022dollar-weighted returns,Ethereum,Moonfare,performance calculation,private equity,risk parity,RPAR,UPAR,venture capital
In Plus Episode 374, David reviews why he reduced his exposure to Ether by half. We analyze the Ultra Risk Go to episode…
Read More

373 Plus: February 2022 Investment Conditions, Morningstar Ratings, and a Closed-End Fund Case Study

February 5, 2022closed-end funds,IFN,Morningstar ratings
In Plus Episode 373, we review investment conditions as of early February 2022. We consider the three ways Morningstar ranks Go to episode…
Read More

372 Plus: Model Portfolios History, Performance, and Modified Endowment Contracts

January 29, 2022fixed annuities,index universal life insurance,model portfolios,modified endowment contracts
In Plus Episode 372, we look at the purpose of the model portfolios, how they have evolved, and the historical Go to episode…
Read More

371 Plus: The Market Sell-off and Two Tactical Asset Allocation Services

January 22, 2022Allocate Smartly,asset bubbles,bubbles,Grantham (Jeremy),Hedgeye,tactical asset allocation
In Plus Episode 371, we review some recent commentary by Jeremy Grantham on superbubbles as it relates to the current Go to episode…
Read More

Money For the Rest of Us Plus launched in December 2014. Consequently, MNY029 Plus is the first Plus episode. There are no Plus episodes that correspond to earlier episodes of Money For the Rest of Us.

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

Copyright © 2023 • Disclosures, Privacy Policy, and Cookie Policy • Site by Tempora

Manage Cookie Consent
We use cookies to optimize our website, marketing, and services. We never sell users' data.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}
Manage Cookie Consent
We use cookies to optimize our website, marketing, and services. We never sell users' data.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}