Personal Finance for Long-Term Investors - The Best Interest

Jesse Cramer
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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 master financial 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.

  1. 12월 10일

    Dying With an HSA, Mystery Mortgage Math, & Should DIY Investors Hire a Planner? | AMA #11 - E124

    On Jesse's 11th "Ask Me Anything" episode, he unpacks four questions that sit at the center of real-life financial decision-making. He starts with a grounded look at the 15-year vs. 30-year mortgage debate, cutting through rules of thumb to show how interest rates, liquidity, cash-flow, and even your personal comfort with debt shape the right choice far more than blanket advice ever could. From there, he turns to the under-discussed strategy behind Health Savings Accounts—why the "invest and reimburse later" approach works, when it stops working, and how the tax bomb of leaving HSA dollars to non-spouse heirs should change how listeners think about funding and spending those accounts in their 50s and beyond. In a detailed case study, Jesse walks through a listener's complex 2026 tax year involving rental-property capital gains, ACA cliffs, Social Security timing, and potential Roth conversions, revealing how layered tax rules—income brackets, capital gains stacking, depreciation recapture, and NIIT—interact in ways that can either save or silently cost retirees thousands. And finally, he tackles whether a diehard DIY investor or Boglehead should ever hire a financial planner, drawing a sharp distinction between the "Uncle Franks" who truly live and breathe this stuff and the "Nicks" who love markets but miss the deeper planning work. With clarity, nuance, and practical wisdom, Jesse shows listeners not just what to do, but how to think through the tradeoffs that define good long-term planning. Key Takeaways: • A 15-year mortgage saves significant interest, but the higher monthly payments reduce cash-flow flexibility and increase default risk. • A 30-year mortgage often wins mathematically when investors "invest the difference," thanks to potentially higher long-term market returns versus fixed loan rates. • Choosing a mortgage term is partly a psychological decision, not just a financial optimization. • HSA dollars become a tax trap if left to non-spouse heirs, who must treat the entire balance as taxable income in the year of inheritance. • Selling a rental property triggers both capital gains and depreciation recapture, which can dramatically increase taxable income in that year. • DIY investors vary widely—some are true experts, while others know just enough to make avoidable mistakes. Key Timestamps: (02:04) – 15-Year vs. 30-Year Mortgage Debate (11:03) – Liquidity and Mortgage Payments (13:48) – HSA Accounts: When to Fund and When to Use (25:37) – Spending Down HSA Balances (26:39) – Allison's Financial Planning Dilemma (29:05) – Analyzing Capital Gains and Tax Implications (35:49) – Considering Social Security Timing (38:54) – The Role of Financial Planners for DIY Investors Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ Personal Finance for Long-Term Investors is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    50분

  2. 12월 3일

    Feeling Time Poor? The Journey to Owning Your Time | Andy Hill - E123

    Jesse sits down with Andy Hill—personal finance educator, podcast host, and creator of Marriage, Kids, and Money—for a candid conversation about building wealth while building a life you actually enjoy. Andy shares how a mix of financial discipline, intentional goal-setting, and family-centered values helped him and his wife pay off their mortgage by age 35 and achieve financial independence on their own terms. Together, they unpack why traditional FIRE goals often miss the human side of money, how to define "enough," and why generosity and purpose are essential parts of financial freedom. Andy also opens up about the shift from chasing net worth to focusing on net happiness, revealing the moment he realized money was no longer the main goal—but a tool for creating the life and impact he wanted most. Throughout, Jesse and Andy remind listeners that real wealth isn't about numbers—it's about freedom, joy, and using money to live aligned with what truly matters. Key Takeaways: • Financial freedom isn't just about money—it's about creating the life and relationships you truly want. • Family alignment around financial goals strengthens relationships and ensures everyone is moving in the same direction. • Andy's shift from "net worth" to "net happiness" redefined how he measures success and balance. • Andy emphasizes financial independence on your own terms, not a one-size-fits-all version of FIRE. • Clarity creates motivation—when your goals align with personal meaning, saving and investing feel purposeful. • Sustainability matters more than intensity—consistent, realistic habits lead to long-term financial wellness. Key Timestamps: (00:44) – The Value of Time in Financial Planning (05:16) – The Importance of Buying Back Your Time (08:31) – Interview with Andy Hill: Owning Your Time (14:33) – Exploring the Concept of Coast FIRE (18:51) – Dreaming of a Three-Day Work Week (22:18) – The Value of Relationships (25:05) – Practical Tips for Transitioning to a Three-Day Work Week (29:45) – Involving Kids in Financial Planning (34:27) – Diversifying Your Identity Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://marriagekidsandmoney.com/  LinkedIn: https://www.linkedin.com/in/andyhillmkm/ Get your pre-copy of Andy's new book here:  https://amzn.to/4phCgqF "Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind" by Andy Hill More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    39분

  3. 11월 26일

    Health and Wealth - The Power of a "Bigger Yes" | Phil Pearlman - E122

    Today, Jesse is joined by Dr. Phil Pearlman—psychologist, behavioral finance veteran, and founder of the Pearl Institute—for a conversation about how long-term health and long-term wealth are two sides of the same coin. Together, they explore why the holiday season, while full of joy and connection, is also the unhealthiest stretch of the year for most Americans—and how small, deliberate choices can reverse that trend. Phil shares his "four pillars of health"—nutrition, exercise, sleep, and love/community—alongside his own powerful story of addiction, recovery, and rediscovering the athlete within. From the parallels between compounding habits and compounding returns to the dangers of "energy toxicity" in modern diets, the discussion connects physical and financial wellbeing through the shared principles of discipline, awareness, and intentional living. Phil explains why cutting alcohol, prioritizing protein, and starting with just one sustainable habit—like morning walks—can transform both body and mindset. Throughout, Jesse and Phil remind listeners that you only get one body, one life, and one chance to invest in both wisely. Key Takeaways: • Health and wealth are interconnected — both require discipline, patience, and compounding habits to create long-term success. • Nutrition is the top priority; you can't "out-exercise" a bad diet, and most health challenges begin with poor food choices. • Alcohol is one of the biggest barriers to health, harming sleep, metabolism, mood, and long-term physical wellness. • Phil's personal transformation—from addiction and poor health to sobriety and vitality—shows that renewal is always possible. • Morning walks are a high-impact, low-barrier habit, improving mood, metabolism, and sleep cycles. • Community and connection are health essentials, not luxuries; love and belonging strengthen both body and mind. Key Timestamps: (00:00) – The Power of a Deeper Yes (07:29) – Identifying Your Core Values and Spending (12:00) – The Four Pillars of Health (22:06) – Seasonality and Health During the Holidays (33:41) – The Role of Alcohol in Nutrition (39:10) – Setting Health Goals for the New Year Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://primecuts.philpearlman.com/  LinkedIn: https://www.linkedin.com/in/philip-pearlman-1002183/ Mentions: https://bestinterest.blog/do-you-have-a-deeper-yes/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    48분

  4. 11월 12일

    Retire Confidently With A Proven Drawdown Framework | AMA #10 - E121

    Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways: • Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps: (02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    56분

  5. 11월 5일

    Marketing Algorithms Are Coming For Your Retirement Dollars | John Dinsmore - E120

    Today, Jesse is joined by Professor John Dinsmore—behavioral finance researcher, marketing scholar, and author of The Marketing of Debt: How They Get You—for a conversation about how persuasion, psychology, and modern advertising quietly shape our financial lives. Together, they explore how marketers exploit human biases like loss aversion, anchoring, and over-optimism to sell products, loans, and debt, and why AI-driven "adaptive ads" are making it harder than ever to recognize when we're being influenced. John shares real-world examples—from car dealerships to "buy now, pay later" offers and sports betting apps—revealing how even savvy consumers fall prey to tactics designed to exploit fear, emotion, and cognitive shortcuts. The discussion also dives into the growing vulnerability of retirees targeted by complex financial products, and why awareness, self-monitoring, and slowing down decisions are key defenses. Throughout, Jesse and John remind listeners that acknowledging our weaknesses is a strength—and that understanding how marketing works is one of the best ways to protect both our wallets and our wellbeing.  Key Takeaways: • Marketing works on everyone—even when we think we're immune. Most people admit that advertising influences others, but few realize how deeply it shapes their own decisions. • People tend to believe they'll have more time, money, or stability in the future, making it easy to justify debt today. • Loss aversion drives many financial mistakes. We fear losses more than we value gains, which leads us to buy unnecessary warranties, insurance, or "safety" products. • AI-powered marketing will get subtler. As systems learn to mimic human tone and emotion, it will become harder to tell when you're being influenced. • Social media blurs the line between content and advertising. Influencer partnerships and native ads make it harder to recognize when you're being sold to. • Being "weak" isn't failure—it's human. Admitting our psychological blind spots allows us to build systems and habits that protect us. Key Timestamps: (01:49) – Understanding Personal Weaknesses (04:25) – The Impact of Marketing and Advertising (08:22) – Interview with Professor John Dinsmore (13:19) – The Marketing of Debt (25:56) – Practical Tips to Combat Marketing Influence Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://www.johndinsmore.com/ LinkedIn: https://www.linkedin.com/in/johnbdinsmore/ Mentions: https://bestinterest.blog/i-am-weak/ The Marketing of Debt: How They Get You by John B. Dinsmore  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    34분

  6. 10월 22일

    Special Needs Children: How to Protect Their Future and Yours - E119

    Jesse goes solo for a deep dive into the vital yet often overlooked world of special needs financial planning. He opens with a personal story about his daughter's illness—an experience that deepened his empathy for parents whose caregiving journeys never pause—and uses it to frame the emotional and financial realities families face when raising a child with disabilities. From there, he explores how special needs planning extends beyond traditional wealth management, requiring families to think in decades, not years, while balancing their own retirement goals with lifelong care needs. Jesse breaks down key tools such as special needs trusts, ABLE accounts, and government programs like SSI and Medicaid, explaining how they work together to preserve benefits and provide sustainable support. He also examines the potential role of permanent life insurance as a funding mechanism for long-term care, the legal importance of guardianship and trusteeship, and the wisdom of separating caregiving and financial responsibilities to prevent burnout. Throughout, Jesse underscores the need for community resources, professional guidance, and self-care—reminding listeners that special needs planning isn't just about money, but about love, security, and building a future where every member of the family can thrive. Key Takeaways: • Raising a child with special needs requires planning for both the parents' and the child's lifetimes—often extending decades beyond traditional financial horizons. • Special needs families face higher ongoing costs, from medical treatments and therapies to adaptive equipment and in-home care. • Core financial fundamentals—emergency savings, retirement planning, tax strategy, and estate planning—remain essential but must be adapted for special needs circumstances. • Nonprofits, community organizations, and local programs can offer both financial aid and emotional support for families. • Professional guidance from fiduciary planners and special needs attorneys can help families integrate benefits, trusts, and insurance effectively. • Above all, special needs planning is about more than money—it's about love, security, and ensuring a dignified, supported life for every family member. Key Timestamps: (00:00) – Deep Dive: Special Needs Planning (08:12) – Unique Financial Challenges of Special Needs Families (15:56) – Special Needs Trusts: Protecting Your Child's Future (19:36) – Introduction to ABLE Accounts (23:59) – Life Insurance for Special Needs Families (28:37) – Guardianship and Legal Planning (33:45) – Community and Professional Resources Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    40분

  7. 10월 8일

    The Only Free Lunch in Investing (Maybe) | AMA #9 - E118

    Jesse fields six wide-ranging listener questions that dig into the heart of financial planning and investing. He opens with a challenge to the idea that age alone dictates portfolio strategy, emphasizing instead that time horizons, goals, and diversification determine the right balance between growth and preservation. From there, Jesse advises a listener who recently inherited $1 million on how to integrate the windfall into an early retirement plan through detailed cash flow projections, withdrawal strategies, and careful consideration of pensions and Social Security. Next, he unpacks the difference between risk tolerance and risk capacity—framing them as willingness versus ability to take risk—and illustrates how these concepts vary depending on age, assets, and future income. A question about bonds leads to a deep dive on duration, interest rate sensitivity, and why bond funds and individual bonds behave more alike than many investors assume, with practical guidance on structuring fixed income for retirement needs. Shifting to income growth, Jesse shares seven strategies for boosting earnings over time, from negotiating raises and pursuing certifications to building businesses, climbing the career ladder, and gaining equity participation. Finally, he closes with a clear primer on Bitcoin, explaining blockchain, mining, and the role of trust in money, while stressing that investors don't need cryptocurrency in their portfolios—but should at least understand what it is and why it matters. Key Takeaways: • Investment strategy should be based on goals and timelines, not just age. • A $1 million inheritance should be planned with the same rigor as any other asset, while respecting any personal or emotional ties. • Risk tolerance reflects your willingness to endure volatility, while risk capacity measures your financial ability to recover from losses. • Bond funds and individual bonds are functionally similar, especially when held to maturity. • Negotiating with employers or job hopping can be effective short-term paths to higher pay. Building side businesses or securing equity participation can create outsized wealth growth over time. • Investors don't need crypto in their portfolios, but understanding how it works helps in today's financial landscape. Key Timestamps: (01:58) – Question #1: Understanding Risk and Reward in Investing (15:01) – Question #2: David's Early Retirement Strategy (22:21) – Question #3: Karen's Question on Risk Capacity (31:09) – Question #4: James' Concern About Bond Funds (42:39) – Question #5: Tips for Increasing Your Income (48:20) – Strategic Career Climbing (53:47) – Question #6: Introduction to Cryptocurrency (01:00:33) – The Role of Trust in Money and Bitcoin (01:09:16) – Bitcoin Wallets and Blockchain Explained (01:13:27) – Cryptographic Puzzles and Proof of Work (01:24:37) – Concluding Thoughts and Future Episodes Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/risk-and-reward/  https://bestinterest.blog/stocks-for-wealth-bonds-for-sanity/   https://bestinterest.blog/winning-the-game-retiring-at-57-with-4-million/   https://bestinterest.blog/raises-negotiations/  https://bestinterest.blog/explaining-bitcoin-in-simple-terms/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/  Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    1시간 27분

  8. 10월 1일

    Military Money Lessons That Civilians Can't Afford to Miss | Spencer Reese - E117

    Today, Jesse is joined by Spencer Reese—Air Force veteran, financial educator, and creator of the Military Money Manual—for a conversation about the surprising overlap between military transitions and civilian retirement. Together, they explore why the only constant in retirement is change, how life evolves through "go-go, slow-go, and no-go" phases, and Jesse's framework for a "Retiree's Financial Decathlon," covering everything from building a sustainable paycheck to tax efficiency, healthcare, estate planning, and even learning to spend with intention. Spencer shares lessons from his own service and separation, highlighting the financial quirks of military life—like government-covered housing, allowances that incentivize marriage, and the all-too-common trap of buying too much car—as well as the importance of communication and systems for long-term success. Beyond the dollars, they discuss the identity shifts that come with leaving the military or workforce, the challenge of replacing purpose and community, and how preparation and adaptability ease the transition. Throughout, Jesse and Spencer remind listeners that whether you're a veteran or a civilian, financial independence is as much about mindset and meaning as it is about math. Key Takeaways: • Retirement is not a fixed point in time but an evolving, decades-long transition. • Purpose, meaning, and social connection are as critical as financial stability in retirement. • Jesse's "Retiree's Financial Decathlon" framework highlights ten essential planning areas, including building a paycheck, taxes, healthcare, estate planning, and spending. • Many military families struggle not from lack of will, but from lack of financial skills and role models. • Transitioning out of the military often brings a loss of identity, community, and structure, similar to civilian retirement. • Preparing early—whether through classes like TAP for veterans or retirement workshops for civilians—eases major life transitions. Key Timestamps: (00:00) – The Only Constant in Retirement: Change (07:59) – The Retiree's Financial Decathlon (20:09) – Interview with Spencer Reese: Military Financial Planning (31:20) – The Importance of Financial Vision and Communication (35:24) – Creating Financial Systems for Deployment (38:17) – Behavioral Traps and Financial Resources for Military Families (43:19) – Opportunities During Deployment (47:07) – Transitioning to Post-Service Life (50:18) – The Importance of Purpose and Meaning in Retirement (01:00:52) – Resources and Recommendations for Financial Success Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: Website: https://militarymoneymanual.com/ LinkedIn: https://www.linkedin.com/in/spencer-c-reese/ Mentions:  https://bestinterest.blog/your-only-retirement-constant-will-be-change/ https://bestinterest.blog/the-retirees-financial-decathlon/ https://bestinterest.blog/e108/ https://bestinterest.blog/e106/ https://bestinterest.blog/when-should-i-take-social-security/ https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://bestinterest.blog/planning-for-your-healthcare-costs-to-and-through-retirement/ https://www.militaryonesource.mil/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

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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 master financial 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.

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