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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
Investment Strategies
Social Security
Annuities
Debt Management
Stock Market
Financial Stress
Entrepreneurship
Behavioral Finance
Warren Buffett
Retirement
Financial Literacy
Diversification
Human Capital
Investment Behavior

[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

PublishesWeeklyEpisodes139Founded5 years ago
Number of ListenersCategories
Self-ImprovementEducationBusinessInvesting

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Artwork for Personal Finance for Long-Term Investors

Latest Episodes

Looking for a financial planner? → PlanWithJesse.com

Jesse delivers a critical re-evaluation of target date funds—one of the most widely used "set-it-and-forget-it" retirement tools—arguing that while their simplicity is appealing, their real-world... more

YouTube

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

YouTube

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

YouTube

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Recent Guests

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)
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)
Don McDonald
Long-time financial radio host, author, and educator
Talking Real Money
Episode: 19 Questions to Uncover Good, Bad, and Ugly Financial Advisors (E107)

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 246 ratings
  • Show on Target Date Funds

    Jesse you did such a great job explaining the good and the bad of Target Date Funds. Also loved that you gave guidance of the Fund Families which do a good job with their TDFs. Your Bread analogy was spot on! Keep up the good work.

    Apple Podcasts
    5
    BSLS2424
    United States8 days ago
  • Retirement planning for DIY folks

    This is hands-down the best podcast for anyone who wants to manage their own retirement without a finance degree. No jargon, no fluff — just straight talk on Social Security, tax strategy, portfolio withdrawals, and healthcare costs in language real people actually understand. I’ve learned more from this podcast than from years of reading financial articles. A must-listen for every DIY retiree.

    Apple Podcasts
    5
    PDC2025
    United States11 days ago
  • The Best!

    I recently started listening and I am hooked! Jesse has the unique talent of explaining complex topics in an organized and easy to understand way. He is very thorough and deftly uses examples to illustrate his thoughts. I have listened to many retirement focused podcasts and have found this to be the most helpful in providing useful and well researched content. Most other podcasts are very cursory and not too helpful for seasoned DIYers. No doubt Jesse’s engineering background enhances ... more

    Apple Podcasts
    3
    GoingToRetire
    United States21 days ago
  • Must Listen

    More than just tactics. This show gives me a new perspective on important financial decisions and plans.

    Apple Podcasts
    5
    unflappable85
    United Statesa month ago
  • 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 Statesa month 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.

Why Trump Accounts Fall Short (AMA, E135)
Q: Should someone convert a traditional IRA to a Roth to shield heirs from taxes, given a large taxable account?
If prioritizing the retiree's taxes, it may make sense to withdraw from taxable accounts first and traditional IRAs second; however, if the goal is to minimize total taxes for both the retiree and heirs, the Roth conversion should be weighed against the upfront tax bill, and typically using taxable funds to pay the Roth conversion tax is advised rather than using additional traditional IRA withdrawals.
Why Trump Accounts Fall Short (AMA, E135)
Q: What are Trump accounts and how do they work relative to traditional IRAs?
Trump accounts are a government-seeded, child-focused variant of IRAs that allow contributions from various sources with tax-deferred growth, but taxes are due on withdrawals and certain contributions, making them less favorable overall than traditional IRAs or Roth accounts in most scenarios.
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.

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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. ChooseFI | Financial Independence 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 139 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. Fritz Gilbert
2. Rubin Miller
3. Cullen Roche
4. Jeremy Keil
5. John Dinsmore
6. Spencer Reese
7. Hanna Horvath
8. Kelan Kline

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