Money For the Rest of Us

An analysis of the returns and risks of different lending platform options including asset-based lending, unsecured peer-to-peer lending, cryptocurrency lending and a cash advance company that promises to pay a 15% annual percentage yield.Topics covered include:U-haul Investors Club and other asset-based lending optionsDriverLoans Investor Club that promises a 15% guaranteed returnBlockFi - cryptocurrency lending with yields over 8%LendingClub and why returns are only 4% to 5%The economics of cash advance and payday loan lending businessesThanks to LinkedIn and Aspiration for sponsoring the episode. Text the word David to 64000 to open an Aspiration Save and Spend Account.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why individuals should use a more agile approach to investing and financial planning.Topics covered include:How to incorporate low probability catastrophic events in your financial plans.How traditional financial planning differs from agile financial planning.Why we need to test-drive our financial plans.How too much efficiency can lead to a lack of resilience.How David's portfolio is allocated using a role-based flexible bucket approach.Thanks to Policygenius and The Great Courses Plus for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How successful investing requires judgment and humility not accurate forecasting ability.Topics covered include:Why pretending to know when you don't is harmful.Why true experts admit their limitations.Why David recently increased his allocation to stocks in his portfolio.How the number of new retail brokerage accounts has exploded.How the stock of the bankrupt company Hertz is a great example of how not to invest.What is privilege and what should we do about it.Thanks to NetSuite and Aspiration for sponsoring the episode. To open your Aspiration Spend and Save cash management account, text DAVID to 64-000For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How alternative investment opportunities, such as venture capital, private equity, real estate and real assets, are increasing for individuals. Why these opportunities differ from what is available to institutional investors and how to evaluate them like a pro.Topics covered include:What are alternative investments and how are they structured.What are 5 factors that determine alternative investment returns.Lessons from three recent alternative investment deals including one that defaulted.How to evaluate alternative investment opportunities.Thanks to Simplifi and Policygenius for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discover the factors driving the rise and fall of nations, with a focus on the U.S. dollar's pivotal role as the world's reserve currency. Explore how human productivity shapes wealth and key indicators of empire decline, like increasing debt and wealth inequality. Learn essential monetary principles for investors and how to assess your economic well-being. Finally, gain insights on navigating uncertainties through strategic investment diversification and fostering resilience in shifting global dynamics.

A look at growing patterns consumers and businesses are adopting as a result of the Covid-19 pandemic.Topics covered include:Two constants in a radically unpredictable worldHow removing things is more powerful than adding thingsHow airline travel will change, leading to more local travelWhy bicycle sales are soaringHow our social interactions are changingWhat is local maximaHow the forces of money, trust, technology, and climate change have played out in the aftermath of the pandemic.Thanks to The Great Courses Plus for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How the stock market differs from and can perform differently than the economy while remaining highly dependent on the economy for its success.Topics covered include:Why the stock markets in countries with lower economic growth performed better than the stock markets in countries with higher economic growth.How the top 5 stocks in the S&P 500 Index have the largest weighting in 30 years and what will it takes for these stocks to outperform the market.What are the largest contributors to U.S economic growth, most of which are not publicly traded.How the U.S. government and the Federal Reserve saved the stock market.How have stocks performed during economic recessions.Why it is risky for investors to be dependent on the financial prospects of the largest technology stocks.Thanks to Grammarly and Policygenius for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How to protect your savings from monetary threats like devaluation. Why high yield savings accounts exist, and are they worth it.Topics covered include:Why Lebanon defaulted on its national debt and announced it will devalue its currency by 57%.Why some depositors in Lebanon will probably lose some of their bank savings.What investors can do to protect themselves from currency devaluations.What are stablecoins and why are they useful.Why some online banks pay above-average interest rates on savings accounts.Why banks need to attract new deposits even though they create deposits when they make a loan.Thanks to Mint Mobile and Policygenius for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why the oil price fell below zero and what are other examples of negative prices. What lessons can we learn from negative prices.Topics covered include:How oil futures work and why the oil future prices fell below zero for the first time ever.Why has the United States Oil ETF (USO) lost so much money.How ETF authorized participants create new shares only so they can be shorted.How storage problems for oil and electricity can lead to negative prices.How negative interest rates are another form of negative prices.Why sellers will pay buyers to deliver a service to them.What financial lessons can we learn from negative prices.Thanks to LinkedIn Learning and The Investor's Podcast for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How central banks can become insolvent and why it can lead to hyperinflation. What are four ways the Federal Reserve and the U.S. Treasury could monetize the national debt.Topics covered include:What are the major asset and liabilities of the Federal ReserveHow does the Federal Reserve make a profit and what happens if it suffers a loss.How has the Federal Reserve has significantly expanded the types of assets it will hold and what are the risks.What could cause the Federal Reserve and other central banks to become insolvent.What are the constraints central banks face.What are four ways the U.S. national debt could be monetized.How investors can protect themselves against central bank insolvency.Thanks to The Great Courses Plus and Policygenius for sponsoring the episode.For show notes and more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.