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Artwork for Personal Finance for Long-Term Investors

Personal Finance for Long-Term Investors

Jesse Cramer
Personal Finance
Retirement Planning
Financial Planning
Financial Independence
Investing
Budgeting
Social Security
Investment Strategies
Annuities
Debt Management
Stock Market
Financial Stress
Entrepreneurship
Behavioral Finance
Warren Buffett
Tax Loss Harvesting
Retirement
Financial Literacy
Diversification
Human Capital

[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

PublishesTwice monthlyEpisodes149Founded5 years ago
Number of ListenersCategories
InvestingBusinessEducationSelf-Improvement

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Artwork for Personal Finance for Long-Term Investors

Latest Episodes

Gliding into retirement raises dozens of questions - some about numbers, many about feelings. And listeners like you have many questions about that transition. Today's "Ask Me Anything" episode is dedicated to your retirement transition questions.

more

YouTube

Your monthly investment statements show what you own, how you've done, and some basic info. But there's so much info NOT included on your statement, and that's what we're diving into today!

Looking for a financial planner? → PlanWithJesse.com

Je... more

YouTube

Are Roth conversions good for YOU? Why - or why not? Today's AMA episode is all about that topic.

Looking for a financial planner? → PlanWithJesse.com

In this Ask Me Anything episode, Jesse answers a wide range of listener questions about Roth c... more

YouTube

Retirees struggle to transition from "hustling" and "hoarding" to "harvesting." It's costing them time. It's limiting their experiences and relationships. This isn't good. We need to understand why.

Looking for a financial planner? → PlanWithJesse... more

YouTube

Key Facts

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Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Frank Vasquez
Investing and retirement planning expert, proponent of risk parity
Risk Parity Radio
Episode: Are You Hoarding, Hustling, or Harvesting in Retirement? - E144
Andrew Giancola
Host of The Personal Finance Podcast
The Personal Finance Podcast
Episode: Debate! ...Taking Sides On 10 Retirement Sub-Topics (E139)
Fritz Gilbert
Creator and author of The Retirement Manifesto; author of Keys to a Successful Retirement
The Retirement Manifesto; Keystone retirement planning author
Episode: He Retired Early - Here's What No One Warned Him About (E136)
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)

Host

Jesse Cramer
Host of Personal Finance for Long-Term Investors; fiduciary financial advisor with a background in engineering

Reviews

4.9 out of 5 stars from 275 ratings
  • Awesome Info & Entertaining

    Best new voice in the retirement and investment community. Every episode is a must listen!

    Apple Podcasts
    5
    REI Cliff
    United States12 days ago
  • I love this podcast

    Thank you very much Jesse for such an informative and useful podcast. I find the information discussed very thorough and actionable!

    Apple Podcasts
    5
    NFausett
    United States14 days ago
  • Enjoyable

    I dig into many DIY personal finance podcasts and really Jesse’s work. He tackles many topic including the mental side of personal finance.

    Apple Podcasts
    5
    NDBuxton
    United States23 days ago
  • Great for pre-retirement!

    Jesse breaks down every subject and makes it easy to understand and take action to plan your future. Love the AMA episodes.

    Apple Podcasts
    5
    BetsyGeorgia
    United Statesa month ago
  • Concise and balanced content

    This is quickly becoming my favorite financial podcast. Jesse covers a broad range of topics for folks contemplating or in retirement in a manner that is easy to comprehend and informative.

    Apple Podcasts
    5
    grants1
    United Statesa month ago

Listeners Say

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

Guests and topics are consistently high-quality and informative for long-term planning.
Listeners praise clear, data-driven guidance with practical examples.
Many rely on AMA and Q&A formats for accessible insights.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

Debate! ...Taking Sides On 10 Retirement Sub-Topics (E139)
Q: What do you think about target date funds, Andrew?
Target date funds work well as a starting point for beginners and for people who want a simple, set-it-and-forget-it approach, but they may not fit everyone's risk tolerance or changing income sources, so a more personalized portfolio can be necessary later.
Making Retirement As Simple as Possible, but No Simpler (AMA, E138)
Q: Nicole asks about rebalancing frequency—calendar-based vs. drift-based strategies.
The host presents a pragmatic view: rebalance based on risk and plan needs, with a strong emphasis on once-a-year rebalancing as optimal for most portfolios, and using routine cash flows to aid rebalancing before engaging in broader trades.
Making Retirement As Simple as Possible, but No Simpler (AMA, E138)
Q: Lucy asks for a devil's advocate stance on delaying Social Security and explores spousal/survivor benefits.
The host walks through optimal claiming strategies, the impact of Full Retirement Age, spousal and survivor benefits, and when delaying benefits tends to improve outcomes, while acknowledging the complexity and the role of health and longevity in decision making.
Making Retirement As Simple as Possible, but No Simpler (AMA, E138)
Q: Cliff asks how long retirement savings will last and whether a broker's 5% withdrawal rule is reasonable.
The host argues that such simple rules are too simplistic, highlighting sequence of returns risk and advocating a flexible plan that starts around 4% and possibly 5–6% with adjustments for spending and market conditions.
Making Retirement As Simple as Possible, but No Simpler (AMA, E138)
Q: Wes asks about generating investment losses to offset gains with long-short strategies and the pitfalls of using leverage.
The host explains that losses can offset gains for tax purposes, but the overall strategy is nuanced, costly, and often not worth the tax savings for many investors. He emphasizes that incidental losses are preferable to deliberate losses, and high fees and ongoing maintenance can erode benefits over time.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

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?

The show consistently tackles retirement, investing, and long-term financial planning with a emphasis on evidence-based methods, tax-efficient investing, and thoughtful risk management. Episodes often blend deep-dive analysis, practical frameworks, and real-world examples, sometimes featuring live debates or AMA formats to explain complex concepts in accessible terms. A notable strength is the authoritative, fiduciary-informed perspective, with guests who bring expertise on retirement lifestyle, portfolio construction, and behavioral finance. This combination makes it especially helpful for DIY investors, financial professionals, and families seeking durable, no-nonsense guidance for wealth preservation and retirement planning over decades,... more

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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 | Get Smarter With Money
5. Stay Wealthy Retirement 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 149 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. Frank Vasquez
2. Andrew Giancola
3. Fritz Gilbert
4. Rubin Miller
5. Cullen Roche
6. Jeremy Keil
7. Phil Pearlman
8. John Dinsmore

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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