0:00.0	Welcome to Money for the Rest of Us. This is a personal finance show on money, how it works, how to invest it, and how to live without worrying about it. I'm your host, David Stein. Today is episode 547. It's titled, Debt is for Managing Wealth, not creating it. This is the 42nd episode of Money for the Rest of Us this year. As I look back on 2025,
0:25.3	we released 31 solo podcast, just me and you discussing various aspects of finance. I conducted
0:33.8	four interviews this year, and this has never really been an interview podcast.
0:39.3	And I also, as an experiment, we released seven FEG Insight Bridge episodes. These are podcasts put
0:46.6	together by Greg Dowling from my former institutional investment advisory firm, FE. Investment Advisors. When I look back on those
0:57.9	31 episodes, nine of them were on asset classes and vehicles from private credit, bonds, stable
1:04.5	coins, gold, silver. We discussed robo advisors, sports betting. three of them were on AI, including don't take financial
1:13.2	advice from AI, the jobs impact of AI, and the fight for the real.
1:19.0	Nine episodes came out of various actions by the Trump administration this year, including
1:25.9	discussions on tariffs, trade, sovereign wealth funds,
1:29.9	central bank independence, U.S. debt downgrade, strategic Bitcoin reserves, adding private capital
1:37.0	to 401K plans.
1:38.2	And the favorite type of episodes I do are what I would call big picture episodes.
1:43.1	We discuss geography, demographics, infinite money,
1:46.7	uncertainty, risk management, bubbles, and today we're talking about leverage. Money for the rest of us
1:53.3	is an audio podcast. It is audio first. We've done videos. I released over 60 video shorts this year, two full-length YouTube videos,
2:04.4	but I prefer audio. Video is not going to replace audio in the sense that audio is unique.
2:11.0	You can listen to it while you do other things, while you're running, exercising, working in the
2:16.2	yard as you drive.
2:17.8	I believe there can be added depth with audio.
2:21.6	And I'll continue to do audio.
2:24.1	As well as other content, we released over 40 Insiders Guide email newsletters in 2025,
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