Personal Finance for Long-Term Investors
By Jesse Cramer
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Category: Investing
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Subscribers: 29
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Episodes: 141
Description
[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, "Personal Finance for Long-Term Investors" simplifies complex financial planning topics. With relatable stories, in-depth research, and practical tips, Jesse helps you master personal finance planning for families, make smart decisions about tax-efficient investing, and build strategies for retirement planning and beyond.
Formerly known as "The Best Interest Podcast," and inspired by Jesse's award-nominated blog The Best Interest, this podcast is your trusted resource for comprehensive financial planning and smart investing.
Whether you're looking for optimal investment allocations, retirement planning advice, or generational wealth transfer ideas, this show makes personal finance approachable, enjoyable, and actionable.
A richer tomorrow starts with learning today. Invest in your knowledge with Personal Finance for Long-Term Investors.
| Episode | Date |
|---|---|
|
Debate! ...Taking Sides On 10 Retirement Sub-Topics (E139)
|
May 13, 2026 |
|
Making Retirement As Simple as Possible, but No Simpler (AMA, E138)
|
May 06, 2026 |
|
Target Date Funds: More Flawed Than Advertised (E137)
|
Apr 22, 2026 |
|
He Retired Early - Here's What No One Warned Him About (E136)
|
Apr 08, 2026 |
|
Why Trump Accounts Fall Short (AMA, E135)
|
Apr 01, 2026 |
|
Even Financial Advisors Misunderstand Monte Carlo Retirement Analysis (E134)
|
Mar 25, 2026 |
|
Uncomfortable Truth: Great Investing Decisions Can Look Wrong For Years (E133)
|
Mar 11, 2026 |
|
Are You in a "Goldilocks" Retirement Range? (E132, AMA)
|
Mar 04, 2026 |
|
Less Wealth, More Certainty: Why Annuities Are Rarely Worth It (E131)
|
Feb 25, 2026 |
|
Don't Let a Scary Economy Cause Bad Retirement Decisions (E130)
|
Feb 11, 2026 |
|
"Isn't My Portfolio the Same as My Financial Plan??" (AMA, E129)
|
Feb 04, 2026 |
|
11 "Bad" Financial Moves...That Are Actually Fine (E128)
|
Jan 28, 2026 |
|
"The Most Important Number" in Your Retirement?! (E127)
|
Jan 14, 2026 |
|
Will You Retire in 2026?? (AMA, E126)
|
Jan 07, 2026 |
|
My Ghosts of Financial Past, Present, and Future (E125)
|
Dec 24, 2025 |
|
The Scenario When HSA's Are a *BAD* Account (AMA, E124)
|
Dec 10, 2025 |
|
Should "Coast FI" Be the *Real* Goal? (E123)
|
Dec 03, 2025 |
|
Why Retirees Struggle with Health Over the Holidays (E122)
|
Nov 26, 2025 |
|
The Optimal Retirement Withdrawal Framework, Account by Account (AMA, E121)
|
Nov 12, 2025 |
|
A New Predator Coming For Our Retirement Dollars (E120)
|
Nov 05, 2025 |
|
Special Needs Children - Financial 101 for their Parents and Grandparents (E119)
|
Oct 22, 2025 |
|
"How Does a $1M Inheritance Help My Early Retirement Dream?" (AMA, E118)
|
Oct 08, 2025 |
|
Leaving the Workforce? Your Identity Will Shift in Uncomfortable Ways (E117)
|
Oct 01, 2025 |
|
Which of Your "Money Scripts" Are Helpful vs. Hurtful? (E116)
|
Sep 17, 2025 |
|
Where Investors Go Wrong: Tax Traps, Math Mistakes, and Behavioral Biases (E115)
|
Sep 03, 2025 |
|
The Risks of Quitting Your Career (E114)
|
Aug 20, 2025 |
|
"How Will Taxes Affect My Inheritance Planning?" (AMA, E113)
|
Aug 06, 2025 |
|
Reset Your Portfolio Expectations, Before It's Too Late (E112)
|
Jul 23, 2025 |
|
The Risks of *Over*-Optimizing Your Retirement (E111)
|
Jul 14, 2025 |
|
8 Examples of Warren Buffett's Timeless Wisdom (E110)
|
Jul 02, 2025 |
|
6 Experts Share Their "Worst" Spending Stories (E109)
|
Jun 18, 2025 |
|
Go Roth Now Before It's Too Late? (AMA, E108)
|
Jun 04, 2025 |
|
19 Questions to Uncover Good, Bad, and Ugly Financial Advisors (E107)
|
May 21, 2025 |
|
The Big Disconnect: Pre-Retiree Expectations vs. Retirement Reality (E106)
|
May 07, 2025 |
|
Smart Money Moves After "Starting Late" (E105)
|
Apr 23, 2025 |
|
Tariffs, Turbulence, and Harsh Truths (E104)
|
Apr 14, 2025 |
|
"Tax-Free Retirement" - Smart Strategy or Overhyped Gimmick? (AMA, E104)
|
Apr 09, 2025 |
|
Will Caregiving Costs Derail Your Plan? (E103)
|
Mar 26, 2025 |
|
U.S. National Debt: Truths, Myths, and Its Impact On You (E102)
|
Mar 12, 2025 |
|
Do Long-Term Investors Need Real Estate Investments? (E101)
|
Feb 26, 2025 |
|
Favorite Moments from the First 100 Episodes (E100)
|
Feb 12, 2025 |
|
How Do Ultra-Wealthy People "Buy, Borrow, and Die?" (AMA, E99)
|
Jan 29, 2025 |
|
Most People Don't Have a Good "Purpose Anchor" (E98)
|
Jan 15, 2025 |
|
How Great-Grandma Makes You a Worse Investor (E97)
|
Jan 01, 2025 |
|
Just Stop! On "Beating" and "Timing" the Market (E96)
|
Dec 18, 2024 |
|
Tax Loss Harvesting Debunked (AMA, E95)
|
Dec 04, 2024 |
|
100% Stocks for All Retirement?! (E94)
|
Nov 20, 2024 |
|
Instructive and Surprising Questions to Ask Before You Retire | Joe Saul-Sehy - E93
|
Nov 06, 2024 |
|
Why Teachers Need to Be Careful | Dan Otter - E92
|
Oct 23, 2024 |
|
What No One Tells You About Early Retirement | Steve Adcock - E91
|
Oct 09, 2024 |
|
No Diversification = Deep Trouble?! | AMA #3 with Jesse - E90
|
Sep 25, 2024 |
|
Societal Challenges and the "Money World" Don't Always Mix | Katie Gatti Tassin - E89
|
Sep 11, 2024 |
|
Practical Reasons Why "Retirement Success" Can Still Be Painful | Rob Berger - E88
|
Aug 28, 2024 |
|
How To Secure an Edge Against "Sequence of Returns" Risk | Tyler of Portfolio Charts - E87
|
Aug 14, 2024 |
|
Should I Drain My 401k to Pay Off My Mortgage? | AMA #2 with Jesse - E86
|
Jul 31, 2024 |
|
Red Flag Finance Scams on the Big, Scary Internet | Rachael Camp - E85
|
Jul 17, 2024 |
|
How New Parents Can Avoid Money Mistakes | Andy Hill - E84
|
Jul 03, 2024 |
|
Fight, Flight, and Friction: Being Smart in Your Volatile Portfolio | Carl Richards - E83
|
Jun 19, 2024 |
|
"Truth: We Are Very Bad At Anticipating What We Want" | Jonathan Clements - E82
|
Jun 05, 2024 |
|
"Is My 100% S&P 500 Portfolio Wrong?" | AMA #1 with Jesse - E81
|
May 22, 2024 |
|
Beware! Don't Fall Into "The College Money Pit Trap!" | Evan Giokas - E80
|
May 08, 2024 |
|
Health = Money = Time | Phil Pearlman - E79
|
Apr 24, 2024 |
|
An Informative Debate: The Most Important Rules of Personal Finance | Justin Peters - E78
|
Apr 10, 2024 |
|
A Market Crash is Coming! (…Eventually) | Peter Lazaroff - E77
|
Mar 27, 2024 |
|
Don't Make Your Own Pizza?! | Jared Dillian - E76
|
Mar 13, 2024 |
|
Growth Mindsets to Afford Anything | Paula Pant - E75
|
Feb 28, 2024 |
|
Picking Stocks - Does It Ever Work?! | Brian Feroldi - E74
|
Feb 14, 2024 |
|
People Need Informative Straight-Talk About Money (And Jokes, Too) | Joe Saul-Sehy - E73
|
Jan 31, 2024 |
|
When Scary Career Risks Get Remarkable Results | Doug Cunnington - E72
|
Jan 17, 2024 |
|
The Unspoken Strain of F.I. | Diania Merriam - E71
|
Jan 03, 2024 |
|
The 7 Sins of Investing | Jeremy Schneider aka Personal Finance Club - E70
|
Dec 20, 2023 |
|
529 Plans Aren't Worth It?! (And Other Important Tax Thoughts) | Sean Mullaney aka The FI Tax Guy - E69
|
Dec 06, 2023 |
|
Minimalism: How Much is Enough? | Rose Lounsbury - E68
|
Nov 22, 2023 |
|
The Mindset of a Millionaire Next Door | Andrew Giancola - E67
|
Nov 08, 2023 |
|
Marriage, Kids and Money | Andy Hill - E66
|
Oct 25, 2023 |
|
Credit Card and Parenting Hacks | All the Hacks - E65
|
Oct 11, 2023 |
|
A Guide for the DIY Investor | Measure Twice Money - E64
|
Sep 27, 2023 |
|
Saving Less to Live More. Should You Do the Same? | Carl Jensen aka Mr. 1500 - E63
|
Sep 13, 2023 |
|
The Reality of Retirement Beyond the Numbers | The Retirement Manifesto - E62
|
Aug 30, 2023 |
|
Are You Living a Regret Free Life? | Jordan Grumet aka Doc G - E61
|
Aug 17, 2023 |
|
Are You Saving Too Much? | with Nick Maggiulli - E60
|
Aug 02, 2023 |
|
Think and Grow Rich…Really?! | How to Money and 5AM Joel - E59
|
Jul 19, 2023 |
|
Why Inaction is an Investor's Best Friend - E58
|
Jul 05, 2023 |
|
Does the Debt Ceiling Affect Your Finances? - E57
|
Jun 21, 2023 |
|
7 Facts That'll Change How You Invest in the Stock Market - E56
|
Jun 07, 2023 |
|
Conversations with Aging Parents - E55
|
May 24, 2023 |
|
Choosing FI, with Brad Barrett - E54
|
May 10, 2023 |
|
Roth vs. Traditional, and Other Vital Tax Topics - E53
|
Apr 26, 2023 |
|
The Big Risk Staring You in the Face - E52
|
Apr 12, 2023 |
|
Why is Personal Finance so Complicated?
|
Apr 06, 2023 |
|
Insurance 101 - E51
|
Mar 29, 2023 |
|
The Banking Collapse in Simple Terms - E50
|
Mar 15, 2023 |
|
Reviewing Warren Buffett's Latest Shareholder Letter - E49
|
Mar 01, 2023 |
|
Money is Simple...But Not Easy - E48
|
Feb 15, 2023 |
|
Is There a "War on Merit?" featuring The Financial Samurai - E47
|
Feb 01, 2023 |
|
9 Science-Backed Tips For Your 2023 Finances - E46
|
Jan 18, 2023 |
|
A Terrific Interview - Jesse Cramer on "The Struggle is Real" - E45
|
Jan 04, 2023 |
|
FTX Collapse, Lessons From My Honeymoon, and Why I Quit Social Media - E44
|
Dec 21, 2022 |
|
Omission and Paralysis - E43
|
Oct 13, 2022 |
|
Lollapaloozas - E42
|
Sep 28, 2022 |
|
Kanye West and Reader Questions - E41
|
Sep 21, 2022 |
|
Did I Make an Investing Mistake? - E40
|
Sep 11, 2022 |
|
Back In The Saddle - E39
|
Aug 24, 2022 |
|
This One's For Tommy - E38
|
Jan 17, 2022 |
|
Married - With Children! But Retiring Early In Your 40s - E37
|
Sep 22, 2021 |
|
Retired at 30, with Purple - E36
|
Sep 14, 2021 |
|
Upstate Real Estate with The FI Couple - E35
|
Sep 08, 2021 |
|
Money Hungry with Michelle Jackson - E34
|
Aug 31, 2021 |
|
The Alabama Debt Killer a.k.a. Money Jrod - E33
|
Aug 25, 2021 |
|
Rules, Dave Ramsey, and the Sith - E32
|
Aug 17, 2021 |
|
Decades of Growth with The Decade Investor - E31
|
Aug 10, 2021 |
|
Stock Market Heroics with "Dividend Hero" - E30
|
Aug 04, 2021 |
|
Ask Us Anything Vol. 1 (Twitter Spaces) - E29
|
Aug 03, 2021 |
|
Nuts of Financial Wisdom, with the FI Squirrel - E28
|
Jul 28, 2021 |
|
Real Estate Investing (Twitter Spaces) - E27
|
Jul 26, 2021 |
|
Crushing Debt with Adam Shoup - E26
|
Jul 20, 2021 |
|
The Cost of College (Twitter Spaces) - E25
|
Jul 19, 2021 |
|
Creating Wealth with "The Art of Purpose" - E24
|
Jul 13, 2021 |
|
Car Talk (Twitter Spaces) - E23
|
Jul 12, 2021 |
|
The Story Behind "The Wealth Dad" - E22
|
Jul 06, 2021 |
|
All About Bitcoin (Twitter Spaces) - E21
|
Jun 28, 2021 |
|
Money Psychology with the "BudgetDog" - E20
|
Jun 22, 2021 |
|
Roth or Traditional? (Twitter Spaces) - E19
|
Jun 21, 2021 |
|
Should You Pay Down Your Mortgage Early? (Twitter Spaces) - E18
|
Jun 14, 2021 |
|
Inflation: Should You Be Worried? - E17
|
Jun 14, 2021 |
|
Retire at 35 with Steve Adcock - E16
|
Jun 08, 2021 |
|
YouTube and Bitcoin with "Your Friend Andy" - E15
|
Jun 01, 2021 |
|
Explaining the GameStop Short Squeeze - E14
|
May 28, 2021 |
|
Fiona a.k.a The Millennial Money Woman - E13
|
May 04, 2021 |
|
Kat Rucker of Rucker Sales Consulting - E12
|
Apr 27, 2021 |
|
Justin Nacpil from Road to Wealth - E11
|
Apr 20, 2021 |
|
Brandon-Richard Austin of Rinkydoo Finance - E10
|
Apr 13, 2021 |
|
The Biggest Lesson from COVID-19 - E9
|
Apr 06, 2021 |
|
Birthday Lessons, Roth vs. Traditional, and Those Damn Fees! - E8
|
Mar 29, 2021 |
|
A Deep Dive with "5AM" Joel - E7
|
Mar 23, 2021 |
|
Optimism, Pessimism, and NFTs - E6
|
Mar 16, 2021 |
|
Buffett's Letter & Investing with Savings? - E5
|
Mar 09, 2021 |
|
Buy the Dip and Hyperinflation - E4
|
Mar 02, 2021 |
|
Personal Finance Unknowns, and CAPM - E3
|
Feb 23, 2021 |
|
Long-Term Investing Takes Faith - E2
|
Feb 17, 2021 |
|
Start Here: The One Thing to Know Before Starting The Best Interest Podcast - E1
|
Feb 11, 2021 |