Search a title or topic

Over 20 million podcasts, powered by 

Player FM logo

Jesse Cramer Podcasts

show episodes
 
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 topics. With relatable stories, in-depth research, and practical tips, Jesse helps you m ...
  continue reading
 
Want to achieve financial independence without missing out on the fun? FI Minded is for anyone who wants to achieve financial freedom, live life on their own terms, and, most importantly, enjoy the journey along the way! Whether you’re just starting to think about financial independence or already deep into the process, FI Minded gives you the tools and inspiration to make FI a reality - without giving up the things you love. Each episode, we’ll cover topics like: *Financial Independence Str ...
  continue reading
 
Make better financial decisions and learn all about personal finance, investing, and entrepreneurship with Philipp Muedder, StashAway’s Head of Personal Finance. He’ll chat with thought leaders and experts on how to FIRE, investing in ETFs, the evolution of cryptocurrencies, and more! If you enjoy what you hear, subscribe, leave a review, and tell your friends. All of this really helps us make the show even better for you so that we can convince great guests to join us. Have feedback for us? ...
  continue reading
 
Loading …
show series
 
Some money moves sound smart…until you actually try them. This is Part 2 of our special series where six personal finance experts share strategies that sound smart but rarely are. In this episode, you’ll hear from: Larry McMahon (Uncontrollable Me) on why doing everything yourself can be a costly mistake Sean Mullaney (FI Tax Guy) on when Tradition…
  continue reading
 
Some financial strategies sound really smart…until they aren’t. In part one of this special two-part series, we’re diving into real stories from personal finance pros who once made money moves that seemed like great ideas... but turned out to be anything but. You’ll hear honest reflections from: Diana Merriam (EconoMe) on the allure, and pitfalls, …
  continue reading
 
Jesse explores the timeless wisdom of Warren Buffett, highlighting both his disciplined investment philosophy and his unwavering emphasis on trust and character. Jesse breaks down Buffett’s approach to buying great businesses at fair prices, holding them long-term, and focusing on intrinsic value, margin of safety, and staying within one’s circle o…
  continue reading
 
We’re great savers. Probably good earners, too. But what about givers? The FI community excels at building wealth, but often, we’re laser-focused on accumulating it for ourselves. Is that fair? Does that make us selfish? I’m not sure. On one hand, taking care of yourself should be step one - like the old adage goes: “Put on your own oxygen mask bef…
  continue reading
 
Jesse explores the value of financial priorities and the balance between spending and saving with guests Diania Merriam, Justin Peters, Bill Yount, Jeremy Schneider, Doc G, and Joe Saul-Sehy. Diania highlights the “iceberg principle” of stealth wealth—how true wealth is often what you don’t see, like deferred purchases and unspent money. Justin sha…
  continue reading
 
Why are you chasing financial independence? It could be living a more adventurous life filled with travel or doing work you love, regardless of the pay. Whatever your dream looks like, it probably comes down to two things: freedom and flexibility. We want to be in the driver’s seat of our lives. And we know money is one of the biggest obstacles sta…
  continue reading
 
Jesse answers a range of listener questions on topics including estate planning, life insurance, financial benefits of marriage, tax strategies for high earners, healthcare in retirement, and investing during economic uncertainty. He explains that heirs to traditional IRAs must pay income tax on withdrawals, while taxable accounts benefit from a st…
  continue reading
 
What would you do if you had to start over, completely from scratch? In this episode, I share the wild true story of Audrey, a woman who vanished in 1962 and was just found alive, 63 years later. Her story sparked a thought experiment: if you had to reinvent yourself, new city, new career, new hobbies, what path would you choose? We’ll explore what…
  continue reading
 
I get why some people aren’t into traveling. Long flights crammed in a middle seat, overpriced hotels that smell like smoke, and being miles away from the city center - none of that screams “dream vacation.” Now, I’m past the days of budget airlines and sketchy motels but I’m also not flying first class with lay-down seats or staying in luxury hote…
  continue reading
 
Today, Jesse is joined by Don McDonald to offer a critical examination of the financial advising and annuity industries, warning retirees and near-retirees about misleading sales tactics that exploit fear - especially the fear of market losses. They emphasize the importance of working with fee-only, fiduciary advisors who are legally obligated to a…
  continue reading
 
For most of us pursuing financial independence, the math is pretty straightforward: earn more, spend less, and invest the difference. But what if you could speed things up and discover a new passion along the way? That’s where side hustles come in. Not only can they give your FI plan a serious income boost, but they also let you explore projects th…
  continue reading
 
Jesse explores insights from the Retirements and Perspectives study, which captures the experiences and expectations of individuals transitioning into retirement, especially those aged 50 to 75. With half of the participants recently retired and the other half preparing to retire within two years, the study offers a timely look at the "final glide …
  continue reading
 
Tariffs aren’t just for global trade - you can apply the concept to your personal life to protect your time, energy, and values. As we gain more financial freedom, how we spend and make money should evolve too. In this short and reflective episode, I explore the idea of personal tariffs and how I have applied this to things that may seem like a goo…
  continue reading
 
You’ve run the numbers a hundred times. You’ve built the spreadsheets, projected the growth, and calculated your safe withdrawal rate down to the decimal. On paper, money isn’t an issue. You should feel secure. But you don’t. Because even though the math checks out, the feeling doesn’t. The scarcity mindset, the one that pushed you to save relentle…
  continue reading
 
Jesse explores the financial journey of late starters with guest Bill Yount, co-host of Catching Up to FI. In the opening monologue, Jesse shares his “Stupidly Simple Secret Sauce” for personal finance: spend less than you earn, grow income without inflating lifestyle, invest consistently, and prioritize savings. He warns against flashy success sto…
  continue reading
 
Today, Jesse critiques emotional, reactive investing during volatile market conditions—especially in response to tariffs and recession fears—while promoting disciplined, evidence-based strategies. Tariffs, though intended to protect domestic industries, often raise prices and stoke inflation, ultimately harming consumers, businesses, and investor s…
  continue reading
 
In my mid-20s, I was making $50,000. Between San Diego’s high housing costs, dating, a car payment, and other expenses, I barely had anything left to put toward financial independence - let alone fast-track it. I was cutting costs everywhere - negotiating bills, rarely eating out, even walking instead of driving. Frugality was helping but man, the …
  continue reading
 
Jesse answers listener questions on financial planning, investment management, and retirement. He discusses the challenges of rising homeowner’s insurance costs in high-risk areas, the differences between Treasuries, CDs, and high-yield savings accounts, and the inefficiencies of using life insurance for tax-free retirement. He advises Casey, a fut…
  continue reading
 
Want to achieve financial independence without missing out on the fun? FI Minded is for anyone who wants to achieve financial freedom, live life on their own terms, and, most importantly, enjoy the journey along the way! Whether you’re just starting to think about financial independence or already deep into the process, FI Minded gives you the tool…
  continue reading
 
Is Real Estate the Best Path to Financial Independence? As a die-hard index fund investor, I used to have a clear answer. But after researching Chad Carson’s “small but mighty” real estate philosophy, I’m starting to see the potential. While I still prefer the hands-off nature of index funds, especially as I focus on growing my income - I can see r…
  continue reading
 
Jesse Cramer speaks with Christine Benz, Director of Personal Finance at Morningstar, about insights from her book How to Retire. Before their discussion, Jesse contrasts gambling with long-term investing, emphasizing the risks of short-term market bets versus the reliability of patient investing. Christine highlights the shift in financial advice …
  continue reading
 
Love and money - a perfect match, right? If only it were that simple. Money is personal for everyone. We grow up with different values, learn different money habits from our parents, and develop our own financial preferences. So when two people with unique money mindsets come together, disagreements are bound to happen. Maybe one of you is a saver …
  continue reading
 
Today we take a look at the U.S. national debt, distinguishing it from household debt and analyzing its impact on individuals and investors. Jesse traces the debt’s history and explains its structure, funding through Treasury bonds, and refinancing process. The discussion covers Modern Monetary Theory (MMT), which suggests that as a currency issuer…
  continue reading
 
In today’s conversation, we will learn how to negotiate your medical bills. Wait, you can do that? Yeah, this was new to me too. Maybe it was the confusing medical jargon or the assumption that hospitals charge fair prices, but negotiating never crossed my mind…and you know I love to negotiate just about everything. Not only should you be negotiati…
  continue reading
 
Jesse is joined by Chad Carson, who discusses residential real estate investing as a stable alternative to stocks and bonds. While real estate offers advantages like rental income, property appreciation, and tax benefits, Jesse also highlights challenges such as high costs, tenant issues, liquidity problems, and the time commitment required. Jesse …
  continue reading
 
Struggling to spend money? Same here. Honestly, I never thought this would be a problem as I got closer to financial independence. I mean, isn’t the goal to save up enough so we can finally spend on the things we want? Turns out, after 15 years of working hard to build wealth, it’s not so easy to let go. Add in some good old financial insecurities,…
  continue reading
 
Episode 100 of The Best Interest Podcast! This is a celebratory and reflective milestone featuring guest shout-outs, listener-favorite clips, and a discussion on the show's evolution. Jesse shares the podcast's origins, his journey from aerospace engineering to financial planning, and how the podcast nearly faded before finding renewed purpose in 2…
  continue reading
 
It’s the start of a new year, and you’ve set some financial goals like paying off student loans, saving for a down payment, or maxing out your IRA. Whatever your goal, how awesome would it feel if you could fast-track your progress? It’ll take focus and dedication, but with the right strategies, you can turbocharge your cash flow and get there fast…
  continue reading
 
Time for another AMA with Jesse! First, Randy asks what it means to be rich, leading to an interesting evaluation of personal values, goals, and circumstances. Jesse explores relativity, “keeping up with the Joneses”, and what it means to have “enough”. Then, Bob asks about the potential tax burdens on beneficiaries and heirs, and Tom wonders wheth…
  continue reading
 
Since discovering financial independence, I have focused on wealth-building: choosing the right accounts, investing wisely, and cutting expenses to save more. But now that I’m approaching my FIRE number, a new question has emerged—what happens after I reach financial independence? On one hand, there’s the technical side: What’s the best way to with…
  continue reading
 
Jordan Grumet, AKA Doc G, returns to the podcast to share the difference between “Big P Purpose” and “little p purpose” and why you should pursue the seemingly less significant latter. Bringing together his experience in hospice care and finance, Jordan shines light on how we can create our purpose through personal growth and the pursuit of passion…
  continue reading
 
Why save and invest? It’s a rhetorical question, but let’s think it through. When you save and invest, you’re sharing financial resources with your future self. This means your future self won’t have to worry about earning money. With that financial freedom, you gain time—the time you would’ve spent working. And with more time, you have more freedo…
  continue reading
 
Loading …
Copyright 2025 | Privacy Policy | Terms of Service | | Copyright
Listen to this show while you explore
Play