Money For the Rest of Us

Circle Invest, one of the leading stablecoin providers, just went public, and its stock price has tripled. We delve into the growth of stablecoins, their applications, and the associated risks. We also discuss the surprising political pushback against central bank digital currencies. Episode Sponsors Delete Me – Use code David20 to get 20% off [https://joindeleteme.com/david20] NetSuite  [https://netsuite.com/david] Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter [https://moneyfortherestofus.com/insiders-guide/] Our Premium Products Asset Camp [https://assetcamp.com/] Money for the Rest of Us Plus [https://moneyfortherestofus.com/hub/] Show Notes Top Stablecoin Tokens by Market Capitalization—CoinMarketCap [https://coinmarketcap.com/view/stablecoin/] Runs and Flights to Safety: Are Stablecoins the New Money Market Funds? by Kenechukwu Anadu et al—New York Fed [https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr1073.pdf?sc_lang=en] Amendment No. 3 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933—SEC [https://www.sec.gov/Archives/edgar/data/1876042/000119312525126208/d737521ds1a.htm] Why Crypto Stablecoins Still Worry the Fed by Olga Kharif and Yueqi Yang—Bloomberg [https://www.bloomberg.com/news/articles/2024-02-10/why-stablecoins-such-as-tether-and-usdc-still-worry-the-fed] Central Bank Digital Currency Tracker—Atlantic Council [https://www.atlanticcouncil.org/cbdctracker/] STRENGTHENING AMERICAN LEADERSHIP IN DIGITAL FINANCIAL TECHNOLOGY—The White House [https://www.whitehouse.gov/presidential-actions/2025/01/strengthening-american-leadership-in-digital-financial-technology/] Stablecoins and monetary sovereignty: the ball is in Europe’s court by Ignazio Angeloni—The Financial Times [https://www.ft.com/content/212f6edb-e7d4-41d3-b7b4-6b3910a6ae2f] Related Episodes 488: Should You Invest in an Ethereum ETF? [https://moneyfortherestofus.com/488-ethereum-etf/] 424: Are More Bank Runs Coming? The Collapse of Silicon Valley Bank [https://moneyfortherestofus.com/424-silicon-valley-bank/] 387: Why Most Money Fails [https://moneyfortherestofus.com/387-why-most-money-fails/] 373: Are Stablecoins Safe? Should You Own Them? [https://moneyfortherestofus.com/373-stablecoins/] See Privacy Policy at https://art19.com/privacy [https://art19.com/privacy] and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info [https://art19.com/privacy#do-not-sell-my-info].

From wildfires to AI-driven demand surges, the power grid is under pressure—and so is the investment landscape around it. Scott Harland of Rockland Capital visits with Greg Dowling of FEG to explore the risks, opportunities, and critical shifts shaping the future of energy. Topics covered include: * The necessity of a balanced energy mix, including traditional and renewable energy sources * How the private sector is playing a larger role in building out energy infrastructure * Rising energy demand from data centers and AI, and how that demand can be met Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter [https://moneyfortherestofus.com/insiders-guide/] Our Premium Products Asset Camp [https://assetcamp.com/] Money for the Rest of Us Plus [https://moneyfortherestofus.com/hub/] Show Notes Hungry, Hungry, Hyperscalers with Scott Harlan - FEG Insight Bridge [https://www.feg.com/insight-bridge-podcast/hungry-hungry-hyperscalers] Related Episodes 502: Should You Invest in Nuclear Energy? [https://moneyfortherestofus.com/502-invest-in-nuclear-energy/] 469: Which Will Perform Better: Berkshire Hathaway or Utility Stocks? [https://moneyfortherestofus.com/469-berkshire-hathaway-vs-utility-stocks/] See Privacy Policy at https://art19.com/privacy [https://art19.com/privacy] and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info [https://art19.com/privacy#do-not-sell-my-info].

With longer-term U.S. interest rates rising and no plan to reduce the budget deficit, is a U.S. national debt crisis imminent? Topics covered include: * Why S&P, Fitch, and now Moody's stripped the U.S. of its pristine AAA debt rating * How the U.S. national debt dynamics compare to Greece, Italy, and Japan * What are four things investors should monitor for signs that the national debt crisis is worsening or spiraling out of control Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter [https://moneyfortherestofus.com/insiders-guide/] Our Premium Products Asset Camp [https://assetcamp.com/] Money for the Rest of Us Plus [https://moneyfortherestofus.com/hub/] Show Notes Moody's Ratings downgrades United States ratings to Aa1 from Aaa; changes outlook to stable—Moody's Ratings [https://ratings.moodys.com/ratings-news/443154] Research Update: United States of America Long-Term Rating Lowered To 'AA+' On Political Risks And Rising Debt Burden; Outlook Negative—S&P Global [https://disclosure.spglobal.com/ratings/en/regulatory/article/-/view/sourceId/6802837] Interest Expense and Average Interest Rates on the National Debt FY 2010 – FYTD 2025—FiscalData.Treasury.gov [https://fiscaldata.treasury.gov/interest-expense-avg-interest-rates/] The Stark Math on the GOP Tax Plan: It Doesn’t Cut the Deficit by Richard Rubin—The Wall Street Journal [https://www.wsj.com/politics/policy/tax-plan-budget-national-debt-analysis-e9822072?st=gApCgQ] The Long-Term Budget Outlook: 2025 to 2055—Congressional Budget Office [https://www.cbo.gov/publication/61187] Walmart says higher prices could hit this month due to tariffs by Natalie Sherman—BBC [https://www.bbc.com/news/articles/cd62427ypw6o] Post on May 17th, 2025; 7:27 AM by Donald J. Trump—Truth Social [https://truthsocial.com/@realDonaldTrump/posts/114523638623110397] Walmart responds to Trump comment that retailer should ‘eat the tariffs’ by Kyler Swaim—The Hill [https://thehill.com/business/5307935-walmart-donald-trump-tariff-response/] What’s behind Japan’s High Government Debt? by  YiLi Chien and Ashley H. Stewart—Federal Reserve Bank of St. Louis [https://www.stlouisfed.org/on-the-economy/2025/apr/what-is-behind-japan-high-government-debt] Related Episodes 487: Are We Heading for a 2030s Depression? Global Economic and Population Shifts [https://moneyfortherestofus.com/487-2030s-depression/] 479: National Debt Master Class Finale – What To Do [https://moneyfortherestofus.com/479-national-debt-master-class-finale-what-to-do/] See Privacy Policy at https://art19.com/privacy [https://art19.com/privacy] and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info [https://art19.com/privacy#do-not-sell-my-info].

How can we apply the same emergency measures that Harvard and other universities are using to navigate a financial crisis? Also, how universities invest their endowments and what their performance has been. Topics covered include: * What has led to the financial crisis at Harvard * What actions has the university taken * How do endowments invest and spend their funds * How endowments maintain intergenerational equity * How we can apply the principles universities use in our own investing Sponsors NetSuite  [https://netsuite.com/david] LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs [https://linkedin.com/david] Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter [https://moneyfortherestofus.com/insiders-guide/] Our Premium Products Asset Camp [https://assetcamp.com/] Money for the Rest of Us Plus [https://moneyfortherestofus.com/hub/] Show Notes Letter Sent to Harvard 2025-04-11—Harvard [https://www.harvard.edu/research-funding/wp-content/uploads/sites/16/2025/04/Letter-Sent-to-Harvard-2025-04-11.pdf] Harvard Response 2025-04-14—Harvard [https://www.harvard.edu/research-funding/wp-content/uploads/sites/16/2025/04/Harvard-Response-2025-04-14.pdf] Trump Administration Will Freeze $2 Billion After Harvard Refuses Demands by Vimal Patel—The New York Times [https://www.nytimes.com/2025/04/14/us/harvard-trump-reject-demands.html] Should Harvard Be Tax Exempt? by The Editorial Board—The Wall Street Journal [https://www.wsj.com/opinion/donald-trump-harvard-tax-exemption-irs-supreme-court-congress-94ba5b53] Fact Sheet: President Donald J. Trump Reforms Accreditation to Strengthen Higher Education—The White House [https://www.whitehouse.gov/fact-sheets/2025/04/fact-sheet-president-donald-j-trump-reforms-accreditation-to-strengthen-higher-education/] At Grim Town Hall, Harvard Medical School Leaders Tell Staff to Expect Layoffs and Far-Reaching Cuts by Avani B. Rai and Saketh Sundar—The Harvard Crimson [https://www.thecrimson.com/article/2025/4/16/trump-hms-cuts/] Can Harvard Use Its Endowment To Make Up For Federal Cuts? It’s Possible, but Not That Simple. by Avani B. Rai and Saketh Sundar—The Harvard Crimson [https://www.thecrimson.com/article/2025/4/17/harvard-endowment-explained/] Yale Weighs $850 Million Bond Sale Amid Trump’s Higher Education Attack by Elizabeth Rembert and Amanda Albright—Bloomberg [https://www.bloomberg.com/news/articles/2025-04-30/yale-weighs-850-million-bond-sale-amid-trump-s-higher-ed-attack] Yale seeks to sell billions in private equity investments as political pressures from Trump mount by Liese Klein—CT Insider [https://www.ctinsider.com/business/article/ct-yale-university-endowment-private-equity-sale-20288542.php] 2024 NACUBO-Commonfund Study of Endowments—NACUBO [https://www.nacubo.org/Research/2024/NACUBO-Commonfund-Study-of-Endowments] Endowments Face Liquidity Crunch Amid Market Pullback, Funding Cuts by Matt Toledo—Chief Investment Officer [https://www.ai-cio.com/news/endowments-face-liquidity-crunch-amid-market-pullback-funding-cuts/] Big investors borrow against private equity holdings amid cash crunch by Amelia Pollard and Antoine Gara—The Financial Times [https://www.ft.com/content/aafe28fb-d92c-4bd6-bf9e-a8a24bdf54b1] Related Episodes 402: Why Student Debt Is So High and Forgiving It Doesn’t Fix the Problem [https://moneyfortherestofus.com/402-student-loan-forgiveness/] 245: Is College Worth It? [https://moneyfortherestofus.com/245-college-worth/] 180: Can You Outperform Harvard’s Endowment? [https://moneyfortherestofus.com/180-can-outperform-harvards-endowment/] See Privacy Policy at https://art19.com/privacy [https://art19.com/privacy] and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info [https://art19.com/privacy#do-not-sell-my-info].

Discover how bond market ETFs have transformed investing — making bonds easier, cheaper, and more accessible than ever. We also explore how the bond market’s very composition has evolved. Episode Sponsors Delete Me – Use code David20 to get 20% off [https://joindeleteme.com/david20] Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter [https://moneyfortherestofus.com/insiders-guide/] Our Premium Products Asset Camp [https://assetcamp.com/] Money for the Rest of Us Plus [https://moneyfortherestofus.com/hub/] Show Notes The total return strategy in bonds is far from dead by James Bianco—The Financial Times [https://www.ft.com/content/ee700f6d-57f9-4493-872f-674d4f4fe7b0] What I Learned in My First Year Managing Fixed-Income by Jim Bianco—Bianco Research Advisors [https://www.biancoadvisors.com/what-i-learned-in-my-first-year-managing-fixed-income/] ETFs are eating the bond market by Robin Wigglesworth and Will Schmitt—The Financial Times [https://www.ft.com/content/b4a7f326-266a-450f-915a-6a3fa21e2702] Related Episodes 463: How to Lock in Higher Yields in Case Interest Rates Fall [https://moneyfortherestofus.com/463-lock-in-higher-yields/] 455: Easier Investing, Richer Life: TIPS Ladders to Annuities [https://moneyfortherestofus.com/454-tips-ladder/] 418: Bond Investing Masterclass [https://moneyfortherestofus.com/418-bond-investing-masterclass/] See Privacy Policy at https://art19.com/privacy [https://art19.com/privacy] and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info [https://art19.com/privacy#do-not-sell-my-info].