Key takeaways from one of the greatest personal finance novels of all time.Topics covered include:Why it is easier to keep doing the same old thingWhy partners should discuss their financesWhy debt can be suffocatingWhy leverage can be dangerousOne of the most satisfying ways to give away wealthThanks to OurCrowd and Policygenius for sponsoring the episode.For more information on this episode click here.Show NotesMiddlemarch by George EliotMiddlemarch Book Summary—StonoryRebecca Mead/"'Middlemarch' and Me"—The New Yorker (Video)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Money For the Rest of Us

Five Financial Lessons From Middlemarch

How lifecycle investing and risk parity portfolios can assist you in having sufficient assets to retire. What are the two types of time diversification and why is one flawed?Topics covered include:What is settled work and what are some examplesHow does lifecycle investing work and should you consider itWhy investing in stocks and other volatile asset classes is riskier over longer holding periodsWhat are risk-parity portfolios and how to evaluate themThanks to Masterworks for sponsoring the episode.For more information on this episode click here.Show NotesThe moral calculations of a billionaire by Eli Saslow—The Washington PostLife-Cycle Investing and Leverage: Buying Stock on Margin Can Reduce Retirement Risk by Ian Ayres and Barry J. NalebuffLifecycle Investing - Leveraging when young, Forum Discussion by Steve Reading on bogleheads.orgWhat Practitioners Need to Know… About Time Diversification (corrected March 2015) by Mark Kritzman—Financial Analysts Journal Volume 71, Number 1Wishful Thinking About the Risk of Stocks in the Long Run: Consequences for Defined Contribution and Defined Benefit Retirement Plans by Zvi BodiePension Obligation Bonds: Know Their Appeal and Pitfalls by Todd Tauzer—SegalShrinkage Estimation in Risk Parity Portfolios by Nabil Alkafri and Christoph FreyPortfolio ChartsHow to Invest in Closed-End Funds—Money For the Rest of UsRelated EpisodesHow to Invest in Closed-End FundsWhy You Should Rebalance Your Portfolio306: Three Approaches to Asset AllocationSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lifecycle Investing, Risk Parity Portfolios, and Why Stocks Are Riskier in the Long Run

How stablecoins are similar and different from other monetary assets. What are stablecoin risks. Why central bank digital currencies are one of the biggest threats to stablecoins.Topics covered include:Why the Federal Reserve and other central banks are exploring issuing their own digital currenciesWhat is the difference between public and private moneyHow deposit insurance and central bank actions prevent runs on private moneyHow money market mutual funds are a type of stablecoinHow true stablecoins and algorithmic stablecoins differWhat is driving the demand for stablecoinsWhat are the risks of stablecoinsThanks to LinkedIn and Policygenius for sponsoring the episode.For more information on this episode click here.Show NotesMoney and Payments: The U.S. Dollar in the Age of Digital Transformation January 2022—Board of Governors of the Federal Reserve SystemTaming Wildcat Stablecoins by Gary B. Gorton and Jeffery ZhangMoney Stock Measures - H.6 Release—Board of Governors of the Federal Reserve SystemTop Stablecoin Tokens by Market Capitalization—CoinMarketCapTransparency—TetherReport on Stable Coins, November 2021—Various US AgenciesBuilt to Fail: The Inherent Fragility of Algorithmic StablecoinsDr. Ryan ClementsThe Quest for a Truly Decentralized Stablecoin by Brady Dale—Coin DeskCryptocurrency Doesn’t Amount to Much by Steve H. Hanke and Matt Sekerke—The Wall Street JournalRelated Episodes319: Here Come Central Bank Digital Currencies339: How To Make Money with BlockFi, Dai, and the Evolving DeFi Ecosystem333: How The Covid Shock Nearly Destroyed The Financial SystemSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are Stablecoins Safe? Should You Own Them?

We explore four reasons to sell an asset with a focus on the Ark Innovation ETF, Bitcoin, and equity REITs. We also put the current stock market sell-off into historical perspective.Topics covered include:What are lousy reasons to sell an investmentWhat is a sell disciplineWhat are four good reasons to sell an investmentWhy and why not to invest in the Ark Innovation ETF (ARKK)Why growth stocks are getting crushed in the current market sell-offHow frequently does the stock market correct by more than 10%Thanks to Mint Mobile for sponsoring the episode.For more information on this episode click here.Show NotesBitcoin Bounces Back After Falling Below $33,000 by Anna Hirtenstein—The Wall Street JournalSelling Out, Memos From Howard Marks—Oaktree Capital ManagementHere's Cathie Wood's advice to her fund's investors after a 58% sell-off in Ark's flagship ETF by Matthew Fox—Markets InsiderRelated Episodes291: How To Survive the Coronavirus (COVID-19) Shutdown302: Investing is Not KnowingSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When Should You Sell An Investment?

What are the pros and cons of the four approaches to managing retirement savings. How to implement a bucketing or time segmentation retirement investing approach.Topics covered include:Why it takes time to find a retirement pattern that fitsHow retirement investing is a balance between safety-first and probability-based as well as maintaining optionality and committing.How total return investing differs from a safety-first approachWhat are products allow for a risk floor but also provide some potential growthHow a time segmentation or bucket approach to retirement investing worksThanks to Policygenius and Masterworks for sponsoring the episode.For more information on this episode click here.Show NotesRetirement Planning Guidebook: Navigating the Important Decisions for Retirement Success (The Retirement Researcher Guide Series) by Wade PfauA Model Approach to Selecting a Personalized Retirement Income Strategy by Alejandro Murguia and Wade D. PfauThe Four Approaches to Managing Retirement Income Risk by Wade D. PfauBuild Ladders With iBonds® ETFs—iSharesRelated Episodes279: Why All Retirees Should Consider an Income Annuity306: Three Approaches to Asset Allocation326: The New Math of Retirement Spending and InvestingSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Find Your Retirement Investing and Living Style

Small and mid-cap stocks have underperformed large-cap stocks for over a decade. Is now the time to increase your allocation?Topics covered include:How big are small and mid-cap stocksHow have small and mid-cap stocks performed relative to large-cap stocksHow have active small and mid-cap managers performed relative to indexing optionsAre bigger IPOs contributing to small and mid-cap stocks underperformanceHow expensive or cheap are small-cap stocks relative to large-capWhat is the capital asset pricing model and how do academics use it to identify outperforming factorsHow value, momentum, and quality drive small-cap stock outperformanceHow to invest in small and mid-cap stocksThanks to Policygenius for sponsoring the episode.For more information on this episode click here.Show NotesThe Morningstar Active/Passive BarometerInitial Public Offerings: Updated Statistics January 5, 2022, by Jay R. Ritter—Warrington College of Business, University of FloridaThe Nexus of Anomalies-Stock Returns-Asset Pricing Models: The International Evidence by Rahul Roy and Shijin SanthakumarThe Cross-Section of Stock Returns before 1926 (And Beyond) by Guido Baltussen, Bart van Vliet, and Pim van VlietFactor Timing: Keep It Simple by Michael Aked—Research AffiliatesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Should You Invest In Small and Mid Cap Stocks? Is Now the Time?

We answer listener questions in our final episode of 2021.Topics covered include:Estimating financial market returns in the next thirty yearsInvesting in artWhether stocks will no longer existHow to start investingFidelity's new Bitcoin ETFHow mutual funds are pricedHow to teach family members about investingVolatility versus drawdownsHow to face the uncertainty of crashing stocks, rising interest rates, and numerous other economic and financial threatsDavid's four most recent investments he made in his personal portfolioThanks to Policygenius and OurCrowd for sponsoring the episode.For more information on this episode click here.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Year-End 2021 Listener Q&A Episode

What is Web 3.0 and how will it transform the world? How you can invest your time and money in decentralized autonomous organizations and other Web3 projects.Topics covered include:What are Web 1.0, Web 2.0, and Web 3.0 and how do they differWhat are decentralized autonomous organizations (DAOs)How DAOs operate and what are some examplesHow to register one's Web 3.0 user nameHow the Ethereum network, a major part of Web3, is changingHow to participate and invest in DAOs and other Web3 projectsThanks to LinkedIn and Commonstock for sponsoring the episode.For more information on this episode click here.Show NotesDecentralized autonomous organizations (DAOs)—EthereumState of the DAOs #0 | Oct 6th, 2021 by BanklessDAO Writers Guild—BanklessDAODecentralized Autonomous Organizations;The New Coordination Frontier by Calvinme—MediumOrganization Legos: The State of DAO Tooling by Nichanan Kesonpat—MediumOpenOrgs.infoSnapshotDeepDAOENSUniswap ProtocolGas and Fees—EthereumUltra Sound MoneyProof of Stake (PoS)—EthereumWhat Is the Metaverse, Exactly? by Eric Ravenscraft—WiredChris Dixon and Naval Ravikant — The Wonders of Web3, How to Pick the Right Hill to Climb, Finding the Right Amount of Crypto Regulation, Friends with Benefits, and the Untapped Potential of NFTs (#542)—The Tim Ferris ShowRelated Episodes339: How To Make Money with BlockFi, Dai and the Evolving DeFi EcosystemNFTs—Money For the Rest of Us Topic IndexSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How To Invest in Web3, DAOs and the Metaverse

How different asset classes and investment strategies have performed during periods of unexpectedly high inflation. While trend and momentum strategies have performed the best, what are some of the challenges with implementing those strategies.Topics covered include:What has led to today's high inflation environment and why it is uniqueHow current demographic and technology trends are disinflationaryHow many inflationary regimes have there been in the pastHow stocks, residential housing, commodities, collectibles performed during high inflation environments.How trend following and momentum have been the best performing strategy during high inflation environments.Which trend following and momentum approaches have worked best for individual investors.How managed futures strategies workThanks to OurCrowd and Egnyte for sponsoring the episode. Here is more information on Money For the Rest of Us Plus.For more information on this episode click here.Show NotesUS Budget Deficit Hits $2.77 Trillion in 2021, 2nd Highest by Associated Press—U.S. News & World ReportIndia says nationwide birthrates drop below key ‘replacement rate’ by Gerry Shih—The Washington PostThe Best Strategies for Inflationary Times by Henry Neville Et al. Trend Following: Equity and Bond Crisis Alpha by Carl Hamill, Sandy Rattray, and Otto Van HemertAQR hedge fund suffers $10bn in outflows by Laurence Fletcher—Financial TimesIs There a Replication Crisis in Finance? Theis Ingerslev Jensen, Bryan T. Kelly, and Lasse Heje PedersenRelated Episodes266: Using Momentum Investing and Trend Following342: Is Another Great Inflation Coming?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What Investment Strategies Do Best During High Inflation Periods?

With oil, natural gas, coal, and gasoline at the highest prices in eight years, we consider if there is an energy crisis due to an over-reliance on renewable energy sources.Topics covered include:How high have prices risen for oil, gasoline, natural gas, and coalWhy rising energy prices is a multifaceted problem as illustrated by coalHow the global energy mix has changed for power productionWhy investment capital is flowing to renewable energy projects rather than fossil fuel projectsWhy a clean energy transition leads to more volatile fossil fuel pricesHow higher oil prices lead to greater adoption of electric vehiclesHow renewable energy combined with battery technology will create lead to energy on-demand solutionsThanks to Egnyte and Policygenius for sponsoring the episode.For more information on this episode click here.Show NotesUS coal prices jump to highest level since 2009 by Myles McCormick—Financial TimesChina’s Energy Crisis Complicates Its Plans for Climate Announcements Ahead of COP26 by Sha Hua and Keith Zhai—The Wall Street JournalChina’s Coal War With Australia Fuels Shortage at Home by Chuin-Wei Yap—The Wall Street JournalChina’s Coal Shortage Threatens Farmers in India and Truckers in South Korea by Jiyoung Sohn in Seoul and Vibhuti Agarwal—The Wall Street JournalThe Gregor LetterPresident Jimmy Carter - Report to the Nation on Energy (Video)Share of renewables, low-carbon sources and fossil fuels in power generation, World 1990-2019—IEAOil 2021: Analysis and forecast to 2026—IEACoal—IEAStatement on recent developments in natural gas and electricity markets—IEARenewable energy firms warn of difficult conditions amid slow winds by Jasper Jolly—The GuardianGlobal EV sales rise 80% in 2021, as automakers including Ford, GM commit to zero emissions: BNEF by Robert Walton—Utility DiveEveryday DriverIn 1900, Ladies’ Home Journal Publishes 28 Predictions for the Year 2000 by Josh Jones—Open CultureHere’s what’s in the infrastructure bill that Biden signed today By Emily Cochrane, Christopher Flavelle, and Alan Rappeport—The New York TimesBattery Storage in the United States: An Update on Market Trends—U.S. Energy Information AdministrationMetals may become the new oil in net-zero emissions scenario by Lukas Boer, Andrea Pescatori, Martin Stuermer, Nico Valckx—Vox EU, CERPRelated Episodes346: Should You Buy an Electric Car or Truck?What You Need to Know About Carbon Investing and its Effect on Climate ChangeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Is There a Global Energy Crisis?

What conditions need to be in place for an asset bubble to continue and how that applies to stocks, cryptocurrency, and houses.Topics covered include:How to determine if there is an asset bubbleWhat are microbubbles and anti-bubblesHow the cannabis stock bubble burstWhat is required to sustain an asset bubbleHow the current runup in home prices differs from the housing bubble in the mid-2000sWhat structural changes have led to the high valuations for U.S. stocksWhat is the Great Wealth Transfer and will it impact stock pricesThanks to Commonstock and LinkedIn for sponsoring the episode.For more information on this episode click here.Show NotesAll-Transactions House Price Index for Oakland-Berkeley-Livermore, CA (MSAD)—Federal Reserve Bank of St. LouisS&P/Case-Shiller CA-San Francisco Home Price Index—Federal Reserve Bank of St. LouisWhat Pops Stock Market Bubbles? Only Surprises, Rob Arnott Says by Vildana Hajric and Michael P. Regan—BloombergYes. It's a Bubble. So What? by Rob Arnott, Bradford Cornell, and Shane Shepherd—Research AffiliatesBubble, Bubble, Toil and Trouble by Rob Arnott, Bradford Cornell, and Shane Shepherd—Research AffiliatesWhat's really going on with San Francisco Walgreens closures? by Eric Ting—SFGATESF ranks high in property crime while it ranks low in arrests by Phil Matier—San Fransisco ChronicleZillow’s Algorithm-Fueled Buying Spree Doomed Its Home-Flipping Experiment by Patrick Clark—BloombergIn Search of the Origins of Financial Fluctuations: The Inelastic Markets Hypothesis – Xavier Gabaix and Ralph S.J. KoijenThe Great Wealth Transfer—Cerulli AssociatesHow Does Intergenerational Wealth Transmission Affect Wealth Concentration? by Laura Feiveson and John Sabelhaus—Board of Governors of the Federal Reserve SystemRelated Episodes226: How To Spot Asset Bubbles and What To Do About Them234: Index But Don’t Herd329: Meme Stocks, GameStop, Short Squeezes, and BubblesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why Some Asset Bubbles Don't Burst

How to decide whether it is worth it to hedge currency exposure when investing outside of your home country.Topics covered include:How currency exchange rates impact investment returnsWhat factors impact currency exchange ratesWhat are carry trades and how do they influence exchange ratesHow currency forward contracts workHow ETFs and funds hedge currency exposureWhat to consider when deciding whether to hedge foreign currency exposureThanks to Egnyte and Quartr for sponsoring the episode.For more information on this episode click here.Show NotesRising U.S. yields push yen to lowest in nearly 3 years by Saikat Chatterjee—ReutersCutting Volatility in Foreign Stocks While Remaining 100% Invested: Hedge the Currency? by Jeff Weniger and Jeremy Schwartz—WisdomTreeCarry Trade Comes Surging Back With Biggest Gains Since 2016 by Robert Fullem and Brody Ford—BloombergRelated Episodes209: Why Bother Investing Internationally?283: Why You Should Care About Carry TradesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Should You Hedge Your International Stock Exposure From Currency Fluctuations?

How New York City and other metropolises will overcome the pandemic economic shock. Why do some cities thrive while others devolve into chaos? How we can develop the resiliency of thriving cities.Topics covered include:<ul><li>How New York and other cities have dealt with the pandemic economic shock</li><li>Why the city of Port au Prince in Haiti is struggling</li><li>Why do cities fail less frequently than companies</li><li>How we can replicate the rhythms and cycles of cities</li><li>How most cities can evolve in response to the pandemic and we can too</li></ul> Thanks to Felix Gray and Alto CryptoIRA for sponsoring the episode.Show Notes<a href="https://www.bls.gov/regions/new-york-new-jersey/data/xg-tables/ro2xglausnyc.htm" rel="noopener noreferrer" target="_blank">Local Area Unemployment Statistics - New York City— U.S. Bureau of Labor Statistics</a><a href="https://www.goodreads.com/book/show/31670196-scale" rel="noopener noreferrer" target="_blank">Scale: The Universal Laws of Growth, Innovation, Sustainability, and the Pace of Life in Organisms, Cities, Economies, and Companies by Geoffrey B. West</a><a href="https://www.osc.state.ny.us/files/reports/osdc/pdf/report-11-2022.pdf" rel="noopener noreferrer" target="_blank">The Office Sector in New York City by Brian McElwain, Anita Yadavalli, and Amar Mehta—Office of the New York Comptroller</a><a href="https://apnews.com/article/business-caribbean-port-au-prince-haiti-gangs-8793b917718e5f67f27317e765c410aa" rel="noopener noreferrer" target="_blank">Desperate Haitians suffocate under growing power of gangs by Dánica Coto and Alberto Arce—The Associated Press</a><a href="https://www.economist.com/united-states/2021/10/23/californias-approach-to-gendered-toys-says-a-lot-about-the-states-political-direction" rel="noopener noreferrer" target="_blank">California’s approach to gendered toys says a lot about the state’s political direction—The Economist</a><a href="https://idahobusinessreview.com/2021/05/11/hb-389-poor-policy-poorly-written-bad-for-rural-idaho/" rel="noopener noreferrer" target="_blank">HB 389: Poor policy, poorly written, bad for rural Idaho by Geoffrey Wardle—Idaho Business Review</a><a href="https://www.theatlantic.com/magazine/archive/2021/11/graeber-wengrow-dawn-of-everything-history-humanity/620177/" rel="noopener noreferrer" target="_blank">Human History Gets a Rewriteby By William Deresiewicz—The Atlantic</a><a href="https://us.macmillan.com/books/9780374157357" rel="noopener noreferrer" target="_blank">The Dawn of Everything: A New History of Humanity by David Graeber and David Wengrow</a><a href="https://us.macmillan.com/books/9780374159122/fourthousandweeks" rel="noopener noreferrer" target="_blank">Four Thousand Weeks: Time Management for Mortals by Oliver Burkeman</a>See Privacy Policy at <a href="https://art19.com/privacy" rel="noopener noreferrer" target="_blank">https://art19.com/privacy</a> and California Privacy Notice at <a href="https://art19.com/privacy#do-not-sell-my-info" rel="noopener noreferrer" target="_blank">https://art19.com/privacy#do-not-sell-my-info</a>.

How New York City and other metropolises will overcome the pandemic economic shock. Why do some cities thrive while others devolve into chaos? How we can develop the resiliency of thriving cities.Topics covered include:How New York and other cities have dealt with the pandemic economic shockWhy the city of Port au Prince in Haiti is strugglingWhy do cities fail less frequently than companiesHow we can replicate the rhythms and cycles of citiesHow most cities can evolve in response to the pandemic and we can tooThanks to Felix Gray and Alto CryptoIRA for sponsoring the episode.Show NotesLocal Area Unemployment Statistics - New York City— U.S. Bureau of Labor StatisticsScale: The Universal Laws of Growth, Innovation, Sustainability, and the Pace of Life in Organisms, Cities, Economies, and Companies by Geoffrey B. WestThe Office Sector in New York City by Brian McElwain, Anita Yadavalli, and Amar Mehta—Office of the New York ComptrollerDesperate Haitians suffocate under growing power of gangs by Dánica Coto and Alberto Arce—The Associated PressCalifornia’s approach to gendered toys says a lot about the state’s political direction—The EconomistHB 389: Poor policy, poorly written, bad for rural Idaho by Geoffrey Wardle—Idaho Business ReviewHuman History Gets a Rewriteby By William Deresiewicz—The AtlanticThe Dawn of Everything: A New History of Humanity by David Graeber and David WengrowFour Thousand Weeks: Time Management for Mortals by Oliver BurkemanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why Most Cities Thrive and What We Can Learn From Them

Why the new U.S.-based Bitcoin ETFs are a bad idea and will underperform Bitcoin.Topics covered include:What fund and ETF options are available for investing in BitcoinWhy the U.S. has only authorized Bitcoin ETFs that invest in Bitcoin futures even though there are closed-end funds that hold Bitcoin directlyWhat is there a regulatory battle surrounding cryptocurrencies?How closed-end funds differ from ETFsHow Bitcoin futures workWhy Bitcoin ETFs that invest in Bitcoin futures will lag the performance of owning Bitcoin directlyWhy investors should avoid the new U.S. Bitcoin ETFsThanks to Policygenius and Justworks for sponsoring the episode.For more information on this episode click here.Show NotesSEC Set to Allow Bitcoin Futures ETFs as Deadline Looms by Katherine Greifeld, Vildana Hajric, and Benjamin Bain—BloombergU.S. SEC Chair Gensler calls on Congress to help rein in crypto 'Wild West' Katanga Johnson—ReutersBitcoin Strategy ETF—ProSharesPurpose Bitcoin ETF—Purpose InvestmentsGrayscale® Bitcoin TrustOsprey Bitcoin TrustJacobi receives approval for "world’s first tier one" bitcoin ETF—Funds EuropeRemarks Before the Aspen Security Forum by Chair Gary Gensler—U.S. Securities and Exchange CommissionCoinbase abandons lending product after SEC pushback by Hannah Murphy and Stefania Palma—Financial TimesCoinbase calls for creation of dedicated crypto regulator by Hannah Murphy and Stefania Palma—Financial TimesFirst bitcoin futures ETF to make its debut Tuesday on the NYSE, ProShares says by Tanaya Macheel—CNBCRustication by Dennis J. Pogue—Mount Vernon Ladies' AssociationIs Thomas Jefferson’s Monticello Constructed of Rammed Earth?—Earth ArchitectureWhat is Roll Yield and How It Impacts Bitcoin, Commodity, and VIX ETF Returns—Money For the Rest of UsRelated Episodes355: Which Money Is Crazier: The U.S. Dollar or Bitcoin?319: Here Come Central Bank Digital CurrenciesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Should You Invest in a Bitcoin ETF?

A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com

A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com

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Money For the Rest of Us

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