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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
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

PublishesWeeklyEpisodes144Founded5 years ago
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InvestingBusinessEducationSelf-Improvement

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Artwork for Personal Finance for Long-Term Investors

Latest Episodes

"Opportunity cost" analysis could make you think that every dollar you spend is ruining your future retirement finances. We address this way of thinking in today's "Ask Me Anything" episode.

Looking for a financial planner? → PlanWithJesse.com

J... more

We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures?

Looking for a financial planner? → PlanWithJesse.com

In this follo... more

YouTube

We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures?

Looking for a financial planner? → PlanWithJesse.com

In this episo... more

YouTube

We dive into 10 common retirement topics and debate two sides of the argument. You'll walk away with a better understanding of how to make decisions in your retirement plan.

Looking for a financial planner? → PlanWithJesse.com

Jesse is joined by... more

YouTube

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Recent Guests

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)
Hanna Horvath
Certified Financial Planner and Managing Editor at Bankrate
Bankrate
Episode: Which of Your "Money Scripts" Are Helpful vs. Hurtful? (E116)

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 255 ratings
  • Very Helpful

    I first came across the podcast in spring 2024. I was a complete newbie who had never invested outside of a 401k and one of those who likened the stock market to a casino despite already in midcareer. I found Jesse’s tone easy to listen and each episode contained great anecdotes & amazing guests. It quickly became my running & commuting companion. Within a few weeks I had listened to dozens of episodes and I have since bookmarked many of them as I’m sure they’ll become my go to reference. Jesse’... more

    Apple Podcasts
    5
    ywirachan
    United States17 days ago
  • The Next Step in the Journey

    I am a newer listener to Jesse’s show. He is very helpful in exploring retirement topics and presents factual analysis and data points engagingly. He’s already helped me realize that my target-date fund was actively managed.

    I look forward to continuing to listen and learn!

    Apple Podcasts
    5
    SamTheHamManSam
    United States21 days ago
  • Great content, zero fluff

    Love this podcast! It's hard to find genuine, level-headed financial advice these days, but Jesse delivers every single episode. He keeps things engaging, avoids the hype, and always focuses on the big picture of real wealth building.

    Apple Podcasts
    5
    KPK_1978
    United States23 days ago
  • 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 States2 months 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 States2 months 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
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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?

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 | 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 144 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. Andrew Giancola
2. Fritz Gilbert
3. Rubin Miller
4. Cullen Roche
5. Jeremy Keil
6. Phil Pearlman
7. John Dinsmore
8. Spencer Reese

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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