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Artwork for Personal Finance for Long-Term Investors

Personal Finance for Long-Term Investors

Jesse Cramer
Personal Finance
Financial Independence
Debt Management
Budgeting
Investing
Investment
529 Plans
Bimodal Spending
Retirement Planning
Index Fund Bubble
Stock Market
Simplicity
Minimalism
Capital Gains Taxes
Econome Conference
Financial Advising
Investing Strategies
Market Crashes
Roth IRA
Stoicism

[Top 1% Personal Finance, Retirement, and Investing Podcast] Why is personal finance so complicated? The internet is flooded with personal finance "experts" sharing short-sighted, error-prone advice. But long-term financial success requires thoughtful, patient, and well-researched strategies. Hosted by Jesse Cramer, a former aerospace engineer turned fiduciary financial advisor in Rochester, NY, "... more

PublishesWeeklyEpisodes138Founded5 years ago
Number of ListenersCategories
Self-ImprovementEducationBusinessInvesting

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Artwork for Personal Finance for Long-Term Investors

Latest Episodes

In today's replay of episode 62, Jesse is joined by Fritz Gilbert—retirement blogger behind The Retirement Manifesto and former corporate executive turned early retiree—for a candid and experience-driven conversation about what retirement actually fe... more

On his 15th Ask Me Anything episode, Jesse tackles a fresh set of listener questions with a throughline that centers on how to evaluate financial decisions in a world full of new ideas, policy noise, and competing priorities—starting with a breakdown... more

YouTube

In this technical deep dive, Jesse pulls back the curtain on one of the most commonly cited tools in retirement planning—Monte Carlo analysis—explaining what it actually does, how it works under the hood, and why its outputs are often misunderstood. ... more

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Jesse is joined by Rubin Miller—former Dimensional Fund Advisors insider, founder and CIO of Peltoma Capital Partners, author of the Fortunes and Frictions blog, and national chess master—for a wide-ranging conversation about how investment philosoph... more

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Recent Guests

Rubin Miller
Investor, writer, teacher, and chess master
Paltoma Capital Partners
Episode: Uncomfortable Truth: Great Investing Decisions Can Look Wrong For Years (E133)
Cullen Roche
Founder and Chief Investment Officer of Discipline Funds, author of Your Perfect Portfolio
Discipline Funds
Episode: Don't Let a Scary Economy Cause Bad Retirement Decisions (E130)
Jeremy Keil
Certified financial planner and chartered financial analyst, host of the Mr. Retirement YouTube channel and author of "Retire Today".
Retirement Revealed
Episode: "The Most Important Number" in Your Retirement?! (E127)
Phil Pearlman
Doctorate in psychology, expert in personal health and behavioral finance
The Pearl Institute
Episode: Why Retirees Struggle with Health Over the Holidays (E122)
John Dinsmore
Leading scholar in behavioral finance and marketing and advertising.
Episode: A New Predator Coming For Our Retirement Dollars (E120)
Spencer Reese
Air Force veteran and financial coach
Military Money Manual
Episode: Leaving the Workforce? Your Identity Will Shift in Uncomfortable Ways (E117)
Hanna Horvath
Certified Financial Planner and Managing Editor at Bankrate
Bankrate
Episode: Which of Your "Money Scripts" Are Helpful vs. Hurtful? (E116)
Kelan Kline
Co-founder of The Savvy Couple, an online personal finance platform
The Savvy Couple
Episode: The Risks of Quitting Your Career (E114)
Peter Lazaroff
Chief Investment Officer at PlanCorp
PlanCorp
Episode: Reset Your Portfolio Expectations, Before It's Too Late (E112)

Host

Jesse Cramer
Host of Personal Finance for Long-Term Investors; former aerospace engineer turned fiduciary financial advisor

Reviews

4.9 out of 5 stars from 239 ratings
  • Balanced in the best way possible

    As someone who works in financial planning every day, I know how rare it is to find a podcast that actually gets its advice right, and Jesse does. What I love especially is that despite his engineering background and obvious analytical talents, he consistently makes the point that optimizing every financial decision on a spreadsheet kind of misses the point. This is a great show for understanding the ins and outs of money.

    Apple Podcasts
    5
    Time Freedom First!
    United States19 days ago
  • Perfect for new investors!

    I first heard Jesse on the Stacking Benjamin‘s podcast and he made me want to hear him more. I have since gone all the way back to listen to episodes from 2023 and have just now caught up to real time!

    I just find his content super digestible as he covers so much material that new investors need to hear. Love this podcast!

    Apple Podcasts
    5
    Colorado boy MJ
    United States2 months ago
  • Great Podcast

    Jesse does a great job fielding questions and manages to explain complex financial ideas in simple terms. Whether you want to do it yourself or you’re looking for a quality financial advisor, everyone has something they can learn from Jesse!

    Apple Podcasts
    5
    EthanGilbertCNY
    United States2 months ago
  • Smart and Interest(ing) without being boring

    Jesse has proven multiple times how clever he is. That cleverness spans both in intelligence and humor. His podcast is so interesting to me that I listen in the Overcast app, but came here to Apple Podcasts to leave this review. The show is certainly worth the time.

    Apple Podcasts
    5
    SteveStewartMe
    United States2 months ago
  • It gets Better and Better!

    Ok this is officially the first time I listened to any financial podcast at less than 1.25 speed, and it is because Jesse shares so much valuable information in so little time, I don’t want to miss any of it! In fact, for the latest episode #126, I even listened to him on 0.75 speed! It didn’t work though, he sounded weird and a little drunk😂 so I’ll just use the “bank 15 sec” button instead!!! Great work Jesse, love the show.

    Apple Podcasts
    5
    Skip in Omaha
    United States3 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Guests are well-chosen, offering diverse perspectives and useful, real-world financial insights.
Listeners find topics clear, data-driven, and accessible to both beginners and experienced DIY investors.
The show balances practical advice with deep dives, maintaining trust through transparency about incentives.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Uncomfortable Truth: Great Investing Decisions Can Look Wrong For Years (E133)
Q: And not that you have to give away your own holdings or the secret sauce for Paltoma clients. But what principles would be non-negotiable when designing a portfolio for a long-term investor?
The core approach is to build guardrails so clients stay in their seat, avoid over-concentration (e.g., too much in one country), keep diversification high, and balance the tilt toward premiums (small caps, value, profitability) with the need to manage tracking error and ensure clients stick with the strategy through volatile periods.
Don't Let a Scary Economy Cause Bad Retirement Decisions (E130)
Q: What is defined duration and why is it important for stock investing?
Defined duration represents an estimated time horizon for stocks based on expected returns and potential drawdowns, typically cited to be around 15-20 years. It provides a framework for understanding risk and timing in stock investments, especially for retirees.
Don't Let a Scary Economy Cause Bad Retirement Decisions (E130)
Q: How do you tend to incorporate inflation risk into your financial planning thoughts?
Cullen discusses the necessity of predicting inflation within financial plans and suggests a cautious estimate of around 3-3.5%. He emphasizes that understanding macroeconomic factors is essential in developing a sound financial strategy.
"Isn't My Portfolio the Same as My Financial Plan??" (AMA, E129)
Q: What guidance do you have for busy clients to plan for retirement?
Acknowledge their time constraints, make planning efficient, and lead with compelling reasons to engage in retirement planning.
"Isn't My Portfolio the Same as My Financial Plan??" (AMA, E129)
Q: What financial focus should my mid-20s kids have?
They should measure their spending, set goals, start investing, and think about increasing their income over time.

Audience Metrics

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Frequently Asked Questions About Personal Finance for Long-Term Investors

What is Personal Finance for Long-Term Investors about and what kind of topics does it cover?

A practical, data-driven finance show focused on long-term wealth building, retirement planning, and cost-efficient investing. Episodes frequently dissect planning processes, explore retirement drawdown, and challenge common product-centric advice with a fiduciary lens. Guests range from macro-investing thinkers to retirement authors, often highlighting behavioral finance, time horizons, and the intersection of health, wealth, and life goals. The format blends Q&A, AMA-style sessions, and deep dives into tools like direct indexing, HSAs, and tax strategies, making complex topics accessible and actionable for DIY investors and aspiring fiduciaries alike.

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Which podcasts are similar to Personal Finance for Long-Term Investors?

These podcasts share a similar audience with Personal Finance for Long-Term Investors:

1. The Stacking Benjamins Show
2. Earn & Invest
3. Catching Up to FI
4. Afford Anything | Make Smart Money Choices
5. Mile High FI Podcast

How many episodes of Personal Finance for Long-Term Investors are there?

Personal Finance for Long-Term Investors launched 5 years ago and published 138 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Personal Finance for Long-Term Investors?

Recent guests on Personal Finance for Long-Term Investors include:

1. Rubin Miller
2. Cullen Roche
3. Jeremy Keil
4. Phil Pearlman
5. John Dinsmore
6. Spencer Reese
7. Hanna Horvath
8. Kelan Kline

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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