Debt Is For Managing Wealth Not Creating It

Debt Is For Managing Wealth Not Creating It

From Money For the Rest of Us by J. David Stein

December 17, 2025 · 26 min · Episode 547

About this episode

The episode discusses how debt can be used to manage wealth rather than create it, particularly in the context of retirement accounts.

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 .

People in this episode

Host: J. David Stein

Topics covered

  • debt management
  • wealth management
  • retirement accounts
  • investing strategies
  • financial leverage

Keywords

  • debt
  • wealth management
  • 401(k)
  • IRA
  • investing
  • financial leverage
  • retirement

Sponsors

Gelt

Mentioned in this episode

Organizations: Basic Capital

Books & works: This 30-Year-Old’s Startup Is Bringing Leverage to 401(k) Savers, This startup is offering mortgages for 401(k)s, Startup Failure

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