Money For the Rest of Us

What Will Drive Financial Markets in 2026—and How to Make It Your Best Year

We explore the forces likely to shape financial markets in 2026 and how to make better decisions as you pursue your goals this year.Topics covered include:The difference between intentions and resolutionsKey behavioral biases and how to overcome themThe cautionary tale of a private real estate fund that went publicIs the affordability crisis real?The big test for AI in 2026The financial and economic outlook for the yearSponsorsGelt - Taxes Done RightMasterworks - Invest in multimillion-dollar artwork offeringsDelete Me – Use code David20 to get 20% offInsiders 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 NotesA Slightly Better You in the New Year by Roland Fryer—The Wall Street JournalPaying Not to Go to the Gym by Stefano DellaVigna and Ulrike Malmendier—American Economic AssociationHandbook of Cognitive Biases—Federal Intelligence Service FISEmployed full time: Median usual weekly real earnings: Wage and salary workers: 16 years and over—Federal Reserve Bank of St. LouisAmerica’s affordability crisis is (mostly) a mirage—The EconomistWhen Your Private Fund Turns $1 Into 60 Cents by Jason Zweig—The Wall Street JournalCanadians Are Furious After Real Estate Funds Lock Up Their Money by Paula Sambo—BloombergBlue Rock TI+ Annual Report—Securities and Exchange CommissionWhich jobs have grown (and declined) fastest during your working life? by Andrew Van Dam—The Washington PostIs AI More Like a Mind or a Market? by Walter Frick—BloombergDon’t Fear the Bubble Bursting by Carl Benedikt Frey—The New York TimesRelated Episodes484: 7 Steps to Living a Longer Life414: Use Caution with Private REITs like Blackstone’s BREITSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Debt Is For Managing Wealth Not Creating It

Should you borrow money to magnify returns in your 401 (k), IRA, or other tax-deferred retirement account?We examine Basic Capital, which allows investors to leverage their retirement account investments.We also explore how the wealthy don't use debt to generate wealth but to manage it. SponsorsGelt - Taxes Done RightInsiders 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 NotesBasic CapitalThis 30-Year-Old’s Startup Is Bringing Leverage to 401(k) Savers by Suzanne Woolley—BloombergThis startup is offering mortgages for 401(k)s by Liz Hoffman—SemaforStartup Failure by Elizabeth Pollman—SSRNRelated Episodes353: The Pros and Cons of Infinite Banking and Whole Life Insurance238: The U.S. Is More Socialist Than Denmark Regarding Home MortgagesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Do Retiring Baby Boomers Actually Move Markets? And How Much Do Demographics Really Matter

As Baby Boomers continue to retire, some analysts expect financial markets to feel the strain. We examine whether demographic shifts truly shape stock and bond returns, or what other factors matter more.Topics covered include:Will retiring baby boomers lead to lower stock prices or higher interest ratesSome earlier demographic predictions and how they worked outHow do natural interest rates reflect the demand and supply of capitalWhy demographics are only one factor that determines economic growth and financial market returnsSponsorsGelt - Taxes Done RightDelete Me – Use code David20 to get 20% offInsiders 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 NotesZeihanHarry DentMeasuring the Natural Rate of Interest—Federal Reserve Bank of New YorkDistribution of Household Wealth in the U.S. since 1989—The Federal ReserveRelated EpisodesRelated Episodes487: Are We Heading for a 2030s Depression? Global Economic and Population Shifts445: From Boom to Bust—Why China’s Stocks Lagged Behind Its Economy & Where to Invest Next395: How Population Trends Will Impact Growth, Inflation, Investing and Well BeingSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Burnout, Breaks, and the Courage to Spend with David Bach

David converses with best-selling author David Bach about preventing burnout through sabbaticals, moving to another country, why retirees should take Social Security as early as possible, and Bach's idea of a flat tax on IRA distributions.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 NotesDavid Bach's IRA Flat Tax IdeaRelated Episode506: Should You Retire Early and Live Outside Your Home Country? With Joshua SheetsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sports Betting Is Not Investing

Can you really make money sports betting on low-risk, high-probability events?Topics covered include:The growing size and influence of the U.S. sports betting marketRecent sports betting scandalsHow sports betting odds workAn intriguing low-risk approach to sports bettingWhy the low-risk sports betting approach is still gambling with a negative expected returnBehavioral biases that encourage sports bettingRevisiting the difference between investing, speculating, and gamblingEpisode SponsorDelete Me – Use code David20 to get 20% offInsiders 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 NotesHow Do Betting Odds Work? by OC Staff—oddscheckerSenate Commerce Committee Wants Answers on NBA Gambling Scandal—Senate Commerce Committee"US sports betting crisis grows as MLB’s Clase and Ortiz indicted over alleged rigged pitches" by Tom Lutz—The GuardianESPN Will Not Let Failure Push It Out Of The Gambling Business by Chris Thompson—Defector22% of All Americans, Half of Men 18-49, Have Active Online Sports Betting Account—Siena University Research InstituteA Review of Sports Wagering & Gambling Addiction Studies Executive Summary—National Council on Problem GamblingHow sports gambling took over prediction markets in the US by Sam Learner, Oliver Roeder and George Steer—The Financial Times See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.