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Artwork for Personal Finance for Long-Term Investors

Personal Finance for Long-Term Investors - The Best Interest

Jesse Cramer
Personal Finance
Financial Independence
Debt Management
Budgeting
Investing
Investment
529 Plans
Bimodal Spending
Index Fund Bubble
Stock Market
Simplicity
Minimalism
Capital Gains Taxes
Econome Conference
Financial Advising
Investing Strategies
Market Crashes
Roth IRA
Stoicism
S&P 500

[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 monthlyEpisodes135Founded5 years ago
Number of ListenersCategories
Self-ImprovementInvestingBusinessEducation

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Artwork for Personal Finance for Long-Term Investors

Latest Episodes

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

YouTube

On his 14th Ask Me Anything episode, Jesse tackles a set of listener questions that expose the messy, real-world edges of financial planning—where tax rules, behavioral tendencies, and long-term strategy collide. He begins by unpacking a nuanced with... more

YouTube

In this expansive and deliberately contrarian episode, Jesse takes on annuities—not with a sales pitch or a blanket dismissal, but by putting them under a rigorous planning lens rooted in risk, probability, and real retirement outcomes. He begins by ... more

YouTube

Jesse is joined by Cullen Roche—financial writer, macro thinker, and founder of Discipline Funds—for a clear-eyed conversation about how money actually works, why so much financial commentary gets it wrong, and how investors can make better decisions... more

YouTube

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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
Cullen Roche
Founder and Chief Investment Officer of Discipline Funds, author of Your Perfect Portfolio
Discipline Funds
Episode: When Economic Fear Leads to Bad Retirement Decisions
Jeremy Keil
Certified financial planner and chartered financial analyst, host of the Mr. Retirement YouTube channel and author of "Retire Today".
Retirement Revealed
Episode: This is "the Most Important Number in Your Retirement"
Andy Hill
Award-winning blogger and podcaster behind Marriage, Kids, and Money, dedicated to helping young families build wealth and thrive.
Marriage, Kids, and Money
Episode: Should "Coast FI" Be the *Real* Goal?!
John Dinsmore
Leading scholar in behavioral finance and marketing and advertising.
Episode: A New Predator Coming For Our Retirement Dollars
Spencer Reese
Air Force veteran and financial coach
Military Money Manual
Episode: Leaving the Workforce? Your Identity Will Shift
Hanna Horvath
Certified Financial Planner and Managing Editor at Bankrate
Bankrate
Episode: Which of Your "Money Scripts" Are Hurting Your Bottom Line?
Kelan Kline
Co-founder of The Savvy Couple, an online personal finance platform
The Savvy Couple
Episode: The Risks of Quitting Your Career
Peter Lazaroff
Chief Investment Officer at PlanCorp
PlanCorp
Episode: Reset Your Portfolio Expectations, Before It's Too Late

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 233 ratings
  • 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 Statesa month 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 Statesa month 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 Statesa month 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 States2 months ago
  • Best of the Best

    Jesse - Happy New Year! Thank you so much for the gift of your podcast. While I follow several financial podcasts, yours is my favorite, and I look forward to every single one. Your tone, your way of explaining topics in the personal finance arena, and your on-point expertise is second to none. I so very much appreciate you!

    Apple Podcasts
    5
    Dave_K 100
    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.

Apple Podcasts
#231
United States/Business/Investing
Apple Podcasts
#86
Ireland/Business/Investing
Apple Podcasts
#132
Ireland/Business
Apple Podcasts
#230
Belgium/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Uncomfortable Truth: Great Investing Decisions Can Look Wrong For Years
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.
When Economic Fear Leads to Bad Retirement Decisions
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.
When Economic Fear Leads to Bad Retirement Decisions
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)
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)
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

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

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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. Afford Anything | Make Smart Money Choices
2. ChooseFI
3. Stay Wealthy Retirement Podcast
4. Retirement Starts Today
5. Retirement Answer Man

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

Personal Finance for Long-Term Investors launched 5 years ago and published 135 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. Andy Hill
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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