Money For the Rest of Us

In this episode, we look at asset location, how to decide which investments belong in taxable, tax-deferred, and tax-free accounts, how where we live shapes the opportunities available to us, and how capital ultimately expands our choices. Sponsors Gelt - Taxes Done Right Masterworks - Invest in multimillion-dollar artwork offerings Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes The Hidden Healthcare Infrastructure Americans Cross the Border to Find—Kogod School of Business FARMWORKER SERVICE CENTER PROPOSAL AND ACTION PLAN FOR THE CITY OF CALEXICO AND IMPERIAL VALLEY by JAVIER MORENO—Calexico Location as an Asset by Adrien Bilal and Esteban Rossi-Hansberg—Princeton It Is Not Climate Denial But Adaptation Denial That Holds Us Back by Mathis Wackernagel and Peter Raven—SSRN The Overlooked Edge: The Case for Asset Location in Managed Portfolios—Morningstar Revisiting the conventional wisdom regarding asset location by Sachin Padmawar and Daniel Jacobs—Vanguard Asset location for equity by Sachin Padmawar and Daniel Jacobs—Vanguard This powerful strategy can create more spendable wealth by Tom Lenkiewicz—J.P. Morgan Asset location strategies for tax efficient investing—BlackRock What would Yale do? Implementing after-tax asset allocation by Frances Walsh and Patrick Geddes—BlackRock Related Episodes 540: Beyond Munis — New ETFs for Tax-Efficient Bond Investing 506: Should You Retire Early and Live Outside Your Home Country? With Joshua Sheats 425: How Profits Motivate Change Masterworks Disclosures Listeners get priority access to Masterworks at https://www.Masterworks.com/david Art correlation and appreciation data based on repeat-sales index of historical Post-War & Contemporary Art market prices and S&P 500 annualized return (includes dividends reinvested) from 1995 to 2025, developed by Masterworks. There are significant limitations to comparative asset class data. Indices are unmanaged and a Masterworks investor cannot invest directly in an index. Content creator (the “Endorser”) receives cash compensation from Masterworks, LLC (“Masterworks”). Endorser is a client of Masterworks. Masterworks can only make and accept sales after an offering statement has been filed, and “qualified”, by the SEC. Any offers may be revoked before notice of qualification. Indications of interest involve no obligation. Investing involves risk. Past performance not indicative of future returns. For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at masterworks.com/cd. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A new ETF allows individuals to earn income by insuring against natural disasters through investing in catastrophe bonds. We break down the historical returns, risk, fees, and structure of this intriguing investment opportunity. Topics covered include: Sponsors Gelt - Taxes Done Right Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Investments Mentioned Brookmont Catastrophic Bond ETF (ILS) Stone Ridge High Yield Reinsurance Risk Premium Fund (SHRIX and SHRMX) Show Notes Miami Is Entering a State of Unreality by Mario Alejandro Ariza—The Atlantic Historical Hurricane Tracks—NOAA LA fires dominated insured losses of $127bn in 2025, says Aon by Eva Xiao and Lee Harris—The Financial Times 2026 Climate and Catastrophe Insight—AON BERKSHIRE HATHAWAY INC. 2002 ANNUAL REPORT—Berkshire Hathaway When, Where and How Often Insurers Fail—PACICC Climate change presses on: Devastating wildfires and intense thunderstorms exacerbate losses for insurers—Munich RE Reinsurance buyers experience market softening as reinsurers grow capital following strong returns—Guy Carpenter Catastrophe bond sales hit record as insurers offload climate risks by Lee Harris and Ian Smith—The Financial Times Swiss Re Global Cat Bond Performance Index returns 11.40% for 2025—Artemis Catastrophe Bonds by Alexander Braun and Carolyn Kousky—Wharton See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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: Sponsors Gelt - Taxes Done Right Masterworks - Invest in multimillion-dollar artwork offerings Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes A Slightly Better You in the New Year by Roland Fryer—The Wall Street Journal Paying Not to Go to the Gym by Stefano DellaVigna and Ulrike Malmendier—American Economic Association Handbook of Cognitive Biases—Federal Intelligence Service FIS Employed full time: Median usual weekly real earnings: Wage and salary workers: 16 years and over—Federal Reserve Bank of St. Louis America’s affordability crisis is (mostly) a mirage—The Economist When Your Private Fund Turns $1 Into 60 Cents by Jason Zweig—The Wall Street Journal Canadians Are Furious After Real Estate Funds Lock Up Their Money by Paula Sambo—Bloomberg Blue Rock TI+ Annual Report—Securities and Exchange Commission Which jobs have grown (and declined) fastest during your working life? by Andrew Van Dam—The Washington Post Is AI More Like a Mind or a Market? by Walter Frick—Bloomberg Don’t Fear the Bubble Bursting by Carl Benedikt Frey—The New York Times Related Episodes 484: 7 Steps to Living a Longer Life 414: Use Caution with Private REITs like Blackstone’s BREIT See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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. Sponsors Gelt - Taxes Done Right Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Basic Capital This 30-Year-Old’s Startup Is Bringing Leverage to 401(k) Savers by Suzanne Woolley—Bloomberg This startup is offering mortgages for 401(k)s by Liz Hoffman—Semafor Startup Failure by Elizabeth Pollman—SSRN Related Episodes 353: The Pros and Cons of Infinite Banking and Whole Life Insurance 238: The U.S. Is More Socialist Than Denmark Regarding Home Mortgages See 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: Sponsors Gelt - Taxes Done Right Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Zeihan Harry Dent Measuring the Natural Rate of Interest—Federal Reserve Bank of New York Distribution of Household Wealth in the U.S. since 1989—The Federal Reserve Related Episodes Related Episodes 487: Are We Heading for a 2030s Depression? Global Economic and Population Shifts 445: From Boom to Bust—Why China’s Stocks Lagged Behind Its Economy & Where to Invest Next 395: How Population Trends Will Impact Growth, Inflation, Investing and Well Being See 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 Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes David Bach's IRA Flat Tax Idea Related Episode 506: Should You Retire Early and Live Outside Your Home Country? With Joshua Sheets See 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: Episode Sponsor Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes How Do Betting Odds Work? by OC Staff—oddschecker Senate 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 Guardian ESPN Will Not Let Failure Push It Out Of The Gambling Business by Chris Thompson—Defector 22% of All Americans, Half of Men 18-49, Have Active Online Sports Betting Account—Siena University Research Institute A Review of Sports Wagering & Gambling Addiction Studies Executive Summary—National Council on Problem Gambling How 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 Newsletters Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Money for the Rest of Us Substack Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Zcash CoinGecko The 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—Chainalysis Selling Gold in the Diamond District - Money for the Rest of Us Substack Related Episodes 532: 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 Reserves 432: 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.

How AI gets simple finance wrong, and how to make it work for you, not mislead you Topics covered include: Sponsors Claude.ai - Sign up for Claude today and get 50% off Claude Pro Money for the Rest of Us Plus Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Show Notes What Kind of a “PhD-level Expert” Is ChatGPT 5.0? I Tested It. by Gary Smith—Mind Matters Top US Army General Says He’s Letting ChatGPT Make Military Decisions by Joe Wilkins—Futurism Why Language Models Hallucinate by Adam Tauman Kalai, Ofir Nachum, et al—Arxiv Auto Loan Calculator—nerdwallet Related Episodes 538: Forests, Fakes, and the Fight for the Real 457: AI’s Fork in the Road: Societal Bliss or Existential Threat 450: How Higher Interest Rates Alter Our Financial Blueprint See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are gold and silver up more than 50% in 2025 because investors fear currency debasement, or is this rally just the latest meme trade? In this episode, we explore the supply and demand forces behind gold and silver, discuss investing strategies, and outline what to watch to see if investors truly are worried about debasement. Sponsors Money for the Rest of Us Plus Claude.ai - Sign up for Claude today and get 50% off Claude Pro Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Show Notes The Great Debasement Debate Is Rippling Across World Markets by Ruth Carson, Naomi Tajitsu, and Masaki Kondo—Bloomberg How long will gold mania last?—Financial Times Dalio Echoes Griffin in Seeing Gold as Safer Than the US Dollar by Alexandra Semenova, Natalia Kniazhevich, and Lisa Abramowicz—Bloomberg Gold Reserves by Country—World Gold Council Gold's rise in central bank reserves appears unstoppable by Jamie McGeever—Reuters Above-ground stock—World Gold Council Gold Demand Trends: Q2 2025—World Gold Council Treasury Term Premia—Federal Reserve Bank of New York Trey Reik—LinkedIn Investments Mentioned iShares Gold Trust (IAU) SPDR Gold Trust (GLD) SPDR Gold MiniShares Trust (GLDM) See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How to decide when to invest in municipal bonds versus new tax-efficient bond ETFs that don't invest in munis. We analyze several newer ETFs that earn bond-like returns while avoiding paying taxable income distributions. Sponsors Claude.ai - Sign up for Claude today and get 50% off Claude Pro Delete Me – Use code David20 to get 20% off Investments Mentioned Vanguard Tax-Exempt Bond ETF (VTEB) iShares 7-10 Year Treasury Bond ETF (IEF) JPMorgan Ultra-Short Municipal Income ETF (JMST) Alpha Architect 1-3 Month Box ETF (BOXX) F/m Compoundr U.S. Aggregate Bond ETF (CPAG) F/m Compoundr High Yield ETF (CPHY) NEOS Enhanced Income Aggregate Bond ETF (BNDI) NEOS Enhanced Income 1–3 Month T-Bill ETF (CSHI) Show Notes US municipal bond defaults and recoveries, 1970-2022 by Moody's Investor Service—Fidelity Five Reasons Municipals Have Rarely Defaulted by Matthew Norton—Bernstein 470 Plus: Annuities Correction, Europe versus U.S. Value Stocks, Analyzing BOXX, and Accredited Investor Rules—Money for the Rest of Us Cboe:BOXX | Investment case—alpha architect See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week there isn’t a regular Money for the Rest of Us episode, but David shares an update on what’s happening behind the scenes. He previews an exclusive Plus member livestream on the forces shaping the next decade, explains why there won’t be a new episode next week, and highlights fresh content available on YouTube, Instagram, LinkedIn, and Substack. David also reflects on consistency, community, and the process of writing his second book. Regular episodes return in October. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What happens when the money supply grows too slowly or too quickly? From gold-standard deflation to QE-driven inflation and inequality, we trace the lessons of monetary history, and what we can do today to protect ourselves in an age of infinite money. Topics covered include: Show Notes Distribution of Household Wealth in the U.S. since 1989—The Federal Reserve M2 (M2SL)—FRED Good Versus Bad Deflation: Lesson from the Gold Standard Era by Michael D. Bordo, John Landon Lane, and Angela Redish—NBER Speech by Richard Nixon (15 August 1971)—CVCE US - Total Market Cap Divided by M2 Money Supply—MacroMicro Did Quantitative Easing Increase Income Inequality? by Juan Antonio Montecino and Gerald Epstein—CEPWeb Does Quantitative Easing Affect Inequality: Evidence from the US - Nektarios Michail Demurrage currency—Wikipedia Debt: The First 5,000 Years by David Graeber Related Episodes 482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity 431: The Long-term Bullish Case for Gold 336: Own What Is Real See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From salmon leaping along the Vancouver Island coast to fake bands on Spotify, this episode explores the divide between the physical and digital economy, and what lumber markets, managed forests, and everyday life teach us about staying connected to the real. Topics covered include: Sponsors Claude.ai - Sign up for Claude today and get 50% off Claude Pro Delete Me – Use code David20 to get 20% off Show Notes Lumber Prices Are Flashing a Warning Sign for the U.S. Economy by Ryan Dezember—The Wall Street Journal Lumber Price—Trading Economics J.Crew used A.I. to counterfeit their own vibes—Blackbird Spylane American Time Use Survey Summary—U.S. Bureau of Labor Statistics Related Episodes 535: Six Principles for Thriving Under Uncertainty and How Big Tech Is Doing the Opposite 531: Will AI Wipe Out Half of White Collar Jobs or Is There an AI Bubble? 60: Are You Hoarding Or Investing? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Central bankers set policy with incomplete information, unobservable targets, and constant trade-offs between growth, inflation, and employment. In this episode, we delve into how the fight for Federal Reserve independence could impact markets, interest rates, and your financial future. Topics covered include: Sponsor LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes 2025 Statement on Longer-Run Goals and Monetary Policy Strategy—The Federal Reserve Board Trump says U.S. interest rate is at least 3 points too high—Reuters Trump warns of economic slowdown unless Fed cuts rates, triggering selloff by Howard Schneider and Ismail Shakil—Reuters What is the neutral rate of interest? by Sam Boocker, Michael Ng, and David Wessel—Brookings Trump Moves to Fire Fed’s Cook, Setting Up Historic Fight by Jonnelle Marte and Myles Miller—Bloomberg Different Types of Central Bank Insolvency and the Central Role of Seignorage by R. Reis—Semantic Scholar Powell's Econ 101: Jobs not inflation. And forget about the money supply by Howard Schneider—Reuters Related Episodes 453: The Price of Money – 700 Years of Falling, Can Interest Rates Keep Rising? 312: What the Federal Reserve’s New Policies Mean For Your Finances 295: Federal Reserve Insolvency and Monetizing the National Debt 246: What Central Banks Don’t Know Should Concern You See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From the dot-com boom to today’s AI frenzy, bubbles follow a familiar script. This episode explores how to recognize them, what sustains them, and how to position your portfolio without getting swept up in the hype. Topics covered: Sponsor LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes I'm Changing How I Manage My Money Because of AI by Hank Green—YouTube % S&P 500 share of top 10 companies by market cap %—Apollo Academy Charted: S&P 500 Market Concentration Over 145 Years by Kayla Zhu—Visual Capitalist AI’s Moment and Insights from Themes Past by Anil Rao—MSCI How Pimco Outmaneuvered Apollo and KKR to Win $29 Billion Meta Deal by Carmen Arroyo and Laura Benitez—Bloomberg How to invest in a stock market bubble by Stuart Kirk—The Financial Times Bubble, Bubble, Toil and Trouble by Rob Arnott, Bradford Cornell, and Shane Shepherd—Research Affiliates Related Episodes 535: Six Principles for Thriving Under Uncertainty and How Big Tech Is Doing the Opposite 503: U.S. Stocks Have Never Been This Overhyped or Expensive 500: The S&P 500 Index and the Decade Ahead 365: Why Some Asset Bubbles Don’t Burst See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A practical framework for making better decisions, managing risk, and finding opportunity in unpredictable environments. We contrast these principles with the massive $2.9 trillion AI data center build-out by Big Tech, which is betting big on a single superintelligence future. Episode Sponsors LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Inside the relentless race for AI capacity—The Financial Times Inside the AI race: can data centres ever truly be green?—The Financial Times The Kanye/Data Center Crossover by Paul Kedrosky—Paul Kedrosky Related Episodes 531: Will AI Wipe Out Half of White Collar Jobs or Is There an AI Bubble? 520: Where Are We Heading? 501: Strategy and Systems Want Your Money 496: Are You Taking Enough Aspirational Risk? 492: The Power of Optionality: Small Bets, Big Payoffs 482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave Thomas, CIO and Founder of long/short hedge fund, Atalan Capital Partners, shares why most hedge funds fail and the keys to being a long-term successful investor. Episode Sponsor Delete Me – Use code David20 to get 20% off Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes FEG Insight Bridge episode page See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

David converses with renowned illustrator and financial philosopher Carl Richards on the abstraction of money, attentional capital, distinguishing risk from uncertainty, and the importance of taking microactions. Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Carl Richard's website, Behavior Gap Your Money: Reimagining Wealth in 97 Simple Sketches by Carl Richards Related Episodes 496: Are You Taking Enough Aspirational Risk? 394: How to Get Better at Risk Taking 135: Embrace the Messiness See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A new executive order could radically reshape retirement investing by allowing private equity, crypto, and gold in 401(k) plans. This episode examines the factors driving the demand for alternative assets in defined-contribution plans, the potential risks to everyday investors, and why fiduciary rules and financial literacy gaps still matter. Insiders Guide Email Newsletter Get our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter Our Premium Products Asset Camp Money for the Rest of Us Plus Show Notes Trump Executive Order to Help Open Up 401(k)s to Private Markets by Miriam Gottfried, Dylan Tokar, and Matt Wirz—The Wall Street Journal Donald Trump set to open US retirement market to crypto investments by Antoine Gara, Jamie John, and Stephanie Stacey—The Financial Times U.S. Labor Department Allows Private Equity in 401(k) Plans by Chris Cumming—The Wall Street Journal U.S. Department of Labor Supplement Statement on Private Equity in Defined Contribution Plan Designated Investment Alternatives—U.S. Department of Labor State Street New TDF Includes Private Assets by PSCA Net Staff—PSCA The Power of Private Markets by Robert Crothers et al.—BlackRock UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT OPINION No. 22-16268 The Relentless Ask: Private Markets Are Eating the World by Michael Batnick—The Irrelevant Investor Don’t Buy Into This Easy Fix for Stock-Market Craziness by Jason Zweig—The Wall Street Journal The Private Equity Boom Is Leaving Midsize Players Behind by Preeti Singh and Laura Benitez—Bloomberg 401(k) Retirement Plans: Many Participants Do Not Understand Fee Information, but DOL Could Take Additional Steps to Help Them—U.S. Government Accountability Office DEFINED CONTRIBUTION PLANS AND THE CHALLENGE OF FINANCIAL ILLITERACY by Jill E. Fisch, Annamaria Lusardi, and Andrea Hasler—Cornell On Endowments and Unintended Consequences by Paul Kedrosky—Paul Kedrosky Related Episodes 509: How to Invest in Private Credit / Direct Lending? 497: How to Fix the Retirement Savings Crisis 490: Should You Invest in Private Equity? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.