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You are here: Home / Archives for simplicity

455: Easier Investing, Richer Life: TIPS Ladders to Annuities

November 8, 2023 by David Stein · Updated April 24, 2024

What are the pros and cons of partially funding retirement expenses with an inflation-indexed bond ladder versus an immediate annuity? There is a big downside to TIPS ladders that many investors don't realize. Topics covered include: Why the stock market is more risky than many people realize Is it too late to invest in TIPS as one advisor suggests How TIPS and TIPS ladders work How immediate annuities work The pros and cons of a TIPS ladder versus an immediate … [Read more...]

Filed Under: Podcast Tagged With: bond ladder, immediate annuities, simplicity, Spitznagel (Mark), TIPS, Treasury Inflation Protected Securities, volatility drag

352: Is This the Key to Wealth, Freedom, and Happiness?

August 4, 2021 by David Stein · Updated October 26, 2021

How owning fewer, more permanent things can lead to greater freedom and continued economic growth. Topics covered include: How a railroad company issued a bond that matured in 999 yearsWhy land and gold are the most permanent investmentsWhat is the oldest currency in useWhy fiat and cryptocurrencies are potentially worthlessWhy permanence is freedom and constantly craving more things limits freedomWhy do quality goods cost moreHow the volume of trash generation and the number of … [Read more...]

Filed Under: Podcast Tagged With: currencies, impermanence, minimalism, Pawson (John), Schumacher (E.F.), simplicity, storage units

306: Three Approaches to Asset Allocation

July 22, 2020 by David Stein · Updated February 1, 2023

What are the three primary ways to allocate assets and build a portfolio when saving for retirement or living in retirement. Topics covered include How saving for retirement and living in retirement differ. What are the expected return and risk of the Permanent, Golden Butterfly, and All Season portfolios. What are the pros and cons of a role-based permanent portfolio. What are the pros and cons of a strategic portfolio mix, such as the Bogleheads Three Fund Portfolio What … [Read more...]

Filed Under: Podcast Tagged With: adaptive asset allocation, asset allocation, asset garden, complexity, permanent portfolios, retirement, retirement savings, retirement spending, role-based portfolios, simplicity, strategic portfolios

278: You Have Permission to Spend

November 20, 2019 by David Stein · Updated June 29, 2023

Two Money For the Rest of Us podcast listeners are struggling with spending money. The first listener is 22 and lives in Canada. He feels as if his money is going everywhere such as saving for a house, car, and retirement, but very little goes to things he enjoys. The second listener is 46 with a $2 million net worth, but in his case, he finds he doesn’t enjoy spending money on himself. He is willing to spend money on his wife and two children, but he still finds himself feeling tight, … [Read more...]

Filed Under: Podcast Tagged With: Elgin (Duane), Gros (Frederic), Schumacher (E.F.), simplicity, spending, Thoreau (Henry David)

262: Better Not Bigger, Circular Not Linear – How the Global Economy Is Changing

July 31, 2019 by David Stein · Updated December 8, 2022

How a less energy-intensive and more regenerative economy will allow the developing the world to advance without breaching ecological boundaries. In this episode you’ll learn: What is the difference between circular and linear supply chains. What is doughnut economics. What are adaptive preferences and how they led David to trade in a BMW 650i for a Toyota Prius. How electric vehicles and the proliferation of solar panels are leading to a less energy-intensive … [Read more...]

Filed Under: Podcast Tagged With: circular economy, energy, energy transition, litter, recycling, renewable energy, simplicity

129: Finding Simplicity On The Other Side of Complexity

October 19, 2016 by David Stein · Updated February 27, 2023

Why we need to embrace complexity in order to find lower cost, less stressful solutions to challenges including with investing. Plus is investing moral? Photo by Joao Silas In this episode you'll learn: How ETFs and index funds reduce portfolio complexity. How we know if we have achieved simplicity on the other side of complexity. Is investing immoral such as owning ETFs that hold positions in pharmaceutical companies that benefit from opioid addiction? How much do you … [Read more...]

Filed Under: Podcast Tagged With: complexity, Holmes (Oliver Wendell), immigration, simplicity

80: Investing Means Getting Lost

October 28, 2015 by David Stein · Updated November 23, 2021

Don't be overwhelmed or play it too safe when it comes to investing and living. In this episode you'll learn: Why having too many choices is overwhelming.Why being overly safe in your investing might actually be losing you money.How to keep investing from being overwhelming.Why we need to have doubt and uncertainty to prevent overconfidence.Why we sometimes need help with our investing. Show Notes Why Too Much Choice Is Stressing Us Out - The Guardian The … [Read more...]

Filed Under: Podcast Tagged With: asset allocation, asset classes, simplicity

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