Money For the Rest of Us

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.
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Show Notes and Related Content
A Complete Guide to Investing in I Bonds and TIPS (2026)
550: Asset Location: Where You Invest, Where You Live, What You Can Access
Free Investment Strategy Report
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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 busts
What fixed income vehicles hold AI-linked debt
What mechanisms are being used to transfer AI-debt risk.
How circular finance is contributing to the AI infrastructure buildout
What could go wrong with the AI infrastructure buildout that could lead to losses on AI-related debt
How to tell what exposure you have to AI debt

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Show Notes
AI debt slide deck used for episode
RBC Weighs $2 Billion Risk Transfer to Hedge Data Center-Linked Loans by Esteban Duarte and Paula Sambo—Bloomberg
Hyperscalers Tap External Financing as AI Capex Outruns Cash Flow—FactSet Insight
What History Tells Us About The AI Investment Boom by Larry Swedroe—Financial Advisor
Goldman Sachs Warns on AI’s Debt Tsunami — Is This the End of the AI Boom? by Rich Duprey—Yahoo! Finance
Progress and peril by Pablo Hernández de Cos—BIS
The Opportunities and Risks AI Presents for the Economy and Financial System by Governor Lisa D. Cook—The Federal Reserve
Financial Stability Report by The Board of Governors of the Federal Reserve System—The Federal Reserve
Financing the AI infrastructure boom: on- and off-balance sheet borrowing by Egemen Eren, Ingomar Krohn and Karamfil Todorov—BIS
How AI debt financing impacts duration supply and interest rates by Hugo De Vere, Srini Ramaswamy and Seth Searls—Federal Reserve Bank of Dallas
US Life Insurers Held $807 Billion of Hard-to-Sell Credit by Alexandre Rajbhandari—Bloomberg
Insurers are funding AI infrastructure – NAIC wants to know if the ratings hold up by Paul Lucas—Insurance Business
US Corporate Bonds Statistics—sifma
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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 Changing
Why the CPE Changes Are Suspicious
The Biggest Changes Ever to Inflation Calculations
What Causes Inflation
AI Buildout Is Boosting Inflation
How Rising Income Can Overcome Inflation
Inflation Is Currency Debasement
Most Things Get Cheaper and Better Over Time
Personal Inflation Rate and Retirement
We Can Beat Inflation by Improving Our Skills
Inflation Manipulation vs Inflation Fabrication
How to Outsmart Inflation

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Show Notes
Preview of the 2026 Annual Update of the National Economic Accounts—BEA
The Inflation Outlook by Governor Stephen I. Miran—U.S. Federal Reserve
Toward A More Accurate Measure Of The Cost Of Living by The Advisory Commission To Study The Consumer Price Index —SSA
A Complete Guide to Understanding and Protecting Against Inflation by David Stein—Money for the Rest of Us
Live Retirement Portfolio Cohort—Money for the Rest of Us
Related Episodes
475: Inflation’s Illusion: Debunking the Normalcy of Currency Debasement
429: Which Inflation Protection Strategies Worked and Which Didn’t?
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David shares nine lessons a listener followed to become a millionaire.
Topics covered include:
The benefit of underspending on housing
What rate of return and how much would you need to save to grow a portfolio to one million dollars
Why historical studies of the S&P 500 returns are misleading
David's recent portfolio mistake

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Related Episodes
498: What I Learned Investing in the Past Decade
454: How To Invest – Ten Rules of Thumb for Individual Investors
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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?
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Money for the Rest of Us Plus
Show Notes
Space Exploration Technologies Corp. Form S-1 Registration Statment Under the Securities Act of 1933—SEC
Elon Musk Is Dropping a Boulder in a Kiddie Pool by Matteo Wong—The Atlantic
Passive Aggressive: The Risks of Passive Investing Dominance by Chris Brightman and Campbell R. Harvey—SSRN
Passive Investing and Market Quality by Philipp Höfler, Christian Schlag, and Maik Schmeling—SSRN
Investments Mentioned
iShares 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)
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