Money For the Rest of Us

5 Steps to Simplify Your Investment Portfolio

What are the steps to simplify your portfolio, given that it is likely spread across multiple accounts? We focus particularly on retirees, who have to weigh additional considerations like withdrawals, Roth conversions, and required minimum distributions.We also explore which areas of the stock and bond markets are attractive right now as you seek to simplify and/or rebalance your portfolio.SponsorsTry NetSuite for FreeDelete Me – Use code David20 to get 20% offShow Notes and Related ContentA Complete Guide to Investing in I Bonds and TIPS (2026)550: Asset Location: Where You Invest, Where You Live, What You Can AccessFree Investment Strategy ReportInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How to Navigate the AI Debt Bubble

We explore the expected size of AI-related debt, which vehicles hold it, what could go wrong, and how to protect yourself.Topics covered include:How AI capex boom compares to other large booms and bustsWhat fixed income vehicles hold AI-linked debtWhat mechanisms are being used to transfer AI-debt risk.How circular finance is contributing to the AI infrastructure buildoutWhat could go wrong with the AI infrastructure buildout that could lead to losses on AI-related debtHow to tell what exposure you have to AI debtSponsorsDelete Me – Use code David20 to get 20% offNetSuite Insiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesAI debt slide deck used for episodeRBC Weighs $2 Billion Risk Transfer to Hedge Data Center-Linked Loans by Esteban Duarte and Paula Sambo—BloombergHyperscalers Tap External Financing as AI Capex Outruns Cash Flow—FactSet InsightWhat History Tells Us About The AI Investment Boom by Larry Swedroe—Financial AdvisorGoldman Sachs Warns on AI’s Debt Tsunami — Is This the End of the AI Boom? by Rich Duprey—Yahoo! FinanceProgress and peril by Pablo Hernández de Cos—BISThe Opportunities and Risks AI Presents for the Economy and Financial System by Governor Lisa D. Cook—The Federal ReserveFinancial Stability Report by The Board of Governors of the Federal Reserve System—The Federal ReserveFinancing the AI infrastructure boom: on- and off-balance sheet borrowing by Egemen Eren, Ingomar Krohn and Karamfil Todorov—BISHow AI debt financing impacts duration supply and interest rates by Hugo De Vere, Srini Ramaswamy and Seth Searls—Federal Reserve Bank of DallasUS Life Insurers Held $807 Billion of Hard-to-Sell Credit by Alexandre Rajbhandari—BloombergInsurers are funding AI infrastructure – NAIC wants to know if the ratings hold up by Paul Lucas—Insurance BusinessUS Corporate Bonds Statistics—sifmaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Is Inflation Manipulated? If So, What to Do About It

How inflation numbers are manipulated to appear lower. How to change your mindset about inflation to get ahead of it.Topics covered include:How Inflation (PCE) Calculations Are ChangingWhy the CPE Changes Are SuspiciousThe Biggest Changes Ever to Inflation CalculationsWhat Causes InflationAI Buildout Is Boosting InflationHow Rising Income Can Overcome InflationInflation Is Currency DebasementMost Things Get Cheaper and Better Over TimePersonal Inflation Rate and RetirementWe Can Beat Inflation by Improving Our SkillsInflation Manipulation vs Inflation FabricationHow to Outsmart InflationSponsorsDelete Me – Use code David20 to get 20% offNetSuite Retirement Investing Webinar and Portfolio CohortInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesPreview of the 2026 Annual Update of the National Economic Accounts—BEAThe Inflation Outlook by Governor Stephen I. Miran—U.S. Federal ReserveToward A More Accurate Measure Of The Cost Of Living by The Advisory Commission To Study The Consumer Price Index —SSAA Complete Guide to Understanding and Protecting Against Inflation by David Stein—Money for the Rest of UsLive Retirement Portfolio Cohort—Money for the Rest of UsRelated Episodes475: Inflation’s Illusion: Debunking the Normalcy of Currency Debasement429: Which Inflation Protection Strategies Worked and Which Didn’t? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A Listener's Path from Zero to Millionaire in 10 Years - Nine Lessons to Get You There

David shares nine lessons a listener followed to become a millionaire.Topics covered include:The benefit of underspending on housingWhat rate of return and how much would you need to save to grow a portfolio to one million dollarsWhy historical studies of the S&P 500 returns are misleadingDavid's recent portfolio mistakeSponsorsDelete Me – Use code David20 to get 20% offNetSuite Retirement Investing Webinar and Portfolio CohortInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusRelated Episodes498: What I Learned Investing in the Past Decade454: How To Invest – Ten Rules of Thumb for Individual InvestorsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Will You Be Forced to Own SpaceX and Other AI Stocks?

SpaceX, Anthropic, and OpenAI are all going public. Why now? And what will their weight be in index funds? What other U.S. ETF options are there if you don't want to have such a high concentration in stocks tied to AI. And finally, if you do buy SpaceX, what would need to happen to earn a reasonable return on your investment?Show NotesSpace Exploration Technologies Corp. Form S-1 Registration Statment Under the Securities Act of 1933—SECElon Musk Is Dropping a Boulder in a Kiddie Pool by Matteo Wong—The AtlanticPassive Aggressive: The Risks of Passive Investing Dominance by Chris Brightman and Campbell R. Harvey—SSRNPassive Investing and Market Quality by Philipp Höfler, Christian Schlag, and Maik Schmeling—SSRNInvestments MentionediShares Core S&P 500 ETF (IVV)Tema S&P 500 Historical Weight ETF Strategy (DSPY)Defiance Large Cap ex-Mag 7 (XMAG)Invesco S&P 500 Equal Weight (RSP)Invesco FTSE RAFI US 1000 (PRF)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.