Money For the Rest of Us

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.

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.

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.

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 Noteshttps://info.lowstressbets.com/How 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.

What’s the difference between hoarding and investing? There’s a reason markets built on productive assets—like stocks and bonds—are far larger than hoarding markets such as gold and cryptocurrency. In this episode, David explores why that is, and shares why he recently bought Zcash, and how it’s both similar to and different from Bitcoin.Email NewslettersGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterMoney for the Rest of Us SubstackOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesZcashCoinGeckoThe Largest Companies by Market Cap in October 2025—The Motley Fool (Accessed October 2025)DOJ Seizes $15 Billion in Bitcoin as U.S. and U.K. Target Massive Southeast Asian Crypto Scam Network—ChainalysisSelling Gold in the Diamond District - Money for the Rest of Us SubstackRelated Episodes532: Should Private Assets, Gold, and Crypto Be Investment Options in 401k and other Defined Contribution Plans?513: Crypto—Innovation or Insanity? Meme Coins, Hacks, and Strategic Bitcoin Reserves432: Are the Economy and Financial Markets Zero-Sum Games?496: Are You Taking Enough Aspirational Risk?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.