Personal Finance for Long-Term Investors - The Best Interest

Jesse Cramer
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Personal Finance for Long-Term Investors - The Best Interest

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. 3天前

    Scrimping, Splurging, and Other Crazy Spending Stories - E109

    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 shares a personal story about the cost and memories of boat ownership, emphasizing the lesson to buy utility and rent luxury. Bill discusses the different seasons of life in relation to frugality and spending, while Jeremy reflects on ingrained money habits persisting despite sudden wealth. Doc G and Joe Saul-Sehy add their unique perspectives on personal finance and the emotional relationship with money. Together, they unpack how financial decisions shape our lives, the importance of aligning spending with values, and the lessons learned from both scrimping and splurging. Key Takeaways: • Financial freedom doesn’t always come with a clear sense of how to enjoy money meaningfully. • Renting luxury experiences can be more satisfying and economical than owning them. • Time, health, and family often become more valuable than money as people grow older. • Community and shared experiences often bring more satisfaction than expensive possessions. Lifestyle upgrades need to be aligned with personal values to feel meaningful. • Former spendthrifts can struggle just as much with letting go of financial vigilance. • Understanding your money story is key to shifting your habits and mindset with intention. Even the financially savvy can be blindsided by lifestyle creep and emotional spending. Key Timestamps: (00:00) – Scar Tissue: Financial Lessons from the Past (13:59) – The Mini Bar Mishap (20:11) –  The $500 Parking Ticket (23:56) – Balancing Financial Optimization and Enjoying Life (24:29) – Time vs. Money: Changing Priorities (25:50) – Keeping Up with the Joneses: A Personal Story (30:59) – The Perils of Consumerism and Stealth Wealth (44:12) – Rent Your Luxury and Buy Utility (45:20) – Frugality Habits: From Broke to Millionaire 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 Bill Yount:  Website: https://catchinguptofi.com/ LinkedIn: https://www.linkedin.com/in/bill-yount-a8033036/  Diania Merriam: Website: https://economeconference.com/about/ LinkedIn: https://www.linkedin.com/in/dianiamerriam/  Justin Peters:  Website: https://podcasts.apple.com/us/podcast/fi-minded-achieve-financial-independence-have-fun-doing-it/id1496701179 LinkedIn: https://www.linkedin.com/in/justinleepeters/  Jordan (Doc G) Grumet:  Website: https://jordangrumet.com/ LinkedIn: https://www.linkedin.com/in/jordan-grumet-38a506179/  Joe Saul-Sehy:  Website: https://www.stackingbenjamins.com/ LinkedIn: https://www.linkedin.com/in/joe-saul-sehy-b3426b31/  Jeremy Schneider: Website: https://www.personalfinanceclub.com/ LinkedIn: https://www.linkedin.com/in/jerschneid/  More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

    50 分钟

  2. 6月4日

    Go Roth Now Before It’s Too Late? And Other Listener Questions | AMA #7 - E108

    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 step-up in basis, and argues that whole life insurance is generally a poor investment choice for most people. He outlines how married couples enjoy more financial advantages due to shared costs, tax benefits, and retirement perks, though singles benefit from greater autonomy. A high-earning listener weighing Roth versus traditional retirement contributions is advised to consider tax-bracket arbitrage in retirement or hedge with a 50/50 split. Jesse also dives into healthcare planning, covering employer plans, HSAs, COBRA, ACA subsidies, and Medicare, while stressing the complexity and importance of planning for long-term care. On investing, he cautions against trying to time recessions and emphasizes aligning investment strategies with individual goals, risk tolerance, and time horizons. Key Takeaways: • Traditional IRAs require heirs to pay income tax on withdrawals within 10 years, but this is deferred tax, not a penalty. • Whole life insurance is generally more expensive and offers lower returns than term insurance plus independent investing. • Married couples often benefit financially from economies of scale and joint tax advantages. Single individuals have greater financial control and simpler planning but may miss out on some systemic benefits for couples. • Healthcare planning is a critical but often overlooked aspect of retirement financial planning. Jesse discusses ACA, COBRA, and HSAs. • Short-term market volatility can be misleading; experiencing real losses helps build long-term investing discipline. • Selling stocks to avoid recession dips is risky because market recoveries often precede economic improvements, resulting in missed gains. Key Timestamps: (00:00) Question 1: Whole Life Insurance (17:47) Question 2: Financial Pros and Cons of Being Single vs. Married (27:19) Question 3: Roth vs. Traditional Accounts (37:54) Question 4: Planning for Healthcare Costs in Retirement (42:31) Maximizing HSA Growth with a Strategic Loophole (45:08) COBRA and ACA for Early Retirees (53:48) Medicare: Breaking Down the Basics (01:03:02) Question 5: Investment Strategies During Economic Uncertainty 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/is-benefits-hacking-genius-or-immoral/ Deep Risk: How History Informs Portfolio Design by William J. Bernstein More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

    1 小时 22 分钟

  3. 5月21日

    19 Questions to Uncover Good, Bad, and Ugly Financial Advisors | Don McDonald - E107

    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 act in clients' best interests, in contrast to commission-based salespeople who often obscure fees, misrepresent guarantees, and use charm to build trust. Drawing from Jason Zweig’s “19 Questions to Ask Your Financial Advisor,” Jesse highlights key criteria for evaluating advisors, including transparency, credentials, investment philosophy, and service scope. They condemn opaque fee structures, sales contests, and annuity marketing tactics - like steak dinners that pressure attendees into high-commission products - and describe most annuities as complex, wealth-threatening vehicles. Jesse adds practical suggestions like inquiring about an advisor’s succession plan, communication style, and client load, and stresses the value of education and evidence-based investing. The two advocate for comprehensive financial planning and alignment of advisor-client interests, with Don underscoring the importance of commitment to honesty, transparency, and fiduciary duty. Key Takeaways: • Annuity and investment salespeople often exploit retirees' fear of losing money in market downturns to sell high-fee products. • While there are niche use cases, many annuity products are expensive, opaque, and designed to benefit the seller more than the buyer. • You need to know what happens to your financial relationship if your advisor retires or leaves. • State-level oversight often fails to protect consumers from misleading practices. • Know the difference between moral fiduciary responsibility and legal fiduciary responsibility. • It’s a red flag if an advisor recommends products they wouldn’t use for themselves. Key Timestamps: (00:00) Understanding Annuities and Financial Advisors (02:08) 19 Questions to Ask Your Financial Advisor (08:13) Conflicts of Interest in Financial Advising (12:56) Investment Philosophy and Market Timing (18:34) Professional Credentials and Requirements (23:07) Additional Questions for Your Financial Advisor (29:05) The Gamble of Annuities (34:34) The Deceptive World of Indexed Annuities (36:17) The Ethics of Financial Advisors (39:29) The Lack of Federal Oversight (46:38) Misleading Sales Tactics (49:42) Advice for Annuity Holders and Seekers (56:45) Don McDonald's Financial Talk Show 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://talkingrealmoney.com/ LinkedIn: https://www.linkedin.com/in/donmcdonald/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

    59 分钟

  4. 5月7日

    Retirees’ Mistakes and Wake-Up Calls: Expectations vs. Reality - E106

    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 path" into retirement and the early years that follow. Authored by retirement experts Fritz Gilbert and Eric Weigel, the report dives into preparedness, lifestyle satisfaction, and evolving concerns. It reveals a common disconnect between what pre-retirees expect and what retirees actually experience—particularly around health, identity, and social engagement. Jesse discusses how meaning and purpose often decline post-retirement, and how maintaining social connection and physical health is key to thriving. Drawing inspiration from longevity expert Dr. Peter Attia, the episode emphasizes that preparing for retirement goes beyond money—it’s about planning for purpose, relationships, and well-being. Jesse also shares three powerful exercises to help listeners create a more intentional retirement vision: the Perfect Day, the Ikigai Map, and the Rocking Chair Test. Key Takeaways: • Retirement is more than a financial event—it's a major life transition requiring emotional, social, and identity planning. • Physical health and vitality are crucial to enjoying retirement, not just surviving it. • Social connection is one of the strongest predictors of well-being in retirement. • The “Perfect Day” exercise helps retirees envision and plan a fulfilling daily life post-career. • The “Ikigai Map” offers a powerful framework to align purpose, passion, and impact in retirement. • The “Rocking Chair Test” encourages long-term reflection on what truly matters at the end of life. Key Timestamps: (00:00) Diving into the Retirement Perspectives and Attitudes Survey (04:22) Finding Purpose and Meaning in Retirement (10:26) Adhering to a Healthy Lifestyle (13:49) Creating a Clear Vision and Plan for Retirement (21:12) Biggest Differences Between Pre and Post Retirees 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://www.retirewithpossibilities.com/wp-content/uploads/2023/05/Retirement-Perspectives-and-Attitudes-Survey-May-2023.pdf  More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

    28 分钟

  5. 4月23日

    It’s Not Too Late: Smart Money Moves After 50 | Bill Yount - E105

    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 stories, consumer culture, and speculation, instead advocating for steady, index-fund investing and disciplined budgeting. The episode also addresses market volatility and debunks the “buy the dip” strategy, showing that long-term consistency outperforms timing attempts. Bill shares his compelling story of waking up to his finances at age 50, shifting from paycheck-to-paycheck living to a 40% savings rate and near financial independence. He emphasizes emotional readiness, sustainable planning, and community support for those starting late. Whether you're in your 30s, 50s, or beyond, this episode delivers practical, empowering advice for reclaiming your financial future. Key Takeaways: • The core rules of personal finance are deceptively simple: spend less than you earn, earn more without inflating your lifestyle, and invest consistently. • Boring, steady investing (like index funds) usually beats market timing or speculative bets. • Many late starters carry emotional baggage around money, but those feelings can become fuel for change. • After the excitement of getting started, real progress is made through slow, steady work over years. • Taking full responsibility for your finances brings peace of mind, even if the numbers aren’t pretty at first. • With a solid plan, cutting expenses, and investing consistently, it’s doable. Key Timestamps: (00:00) The Stupidly Simple Secret Sauce of Personal Finance (04:58) The Winners are Loud, but the Losers Stay Silent (06:42) Boring is Best: The Case for Index Funds (10:46) The Story of Dave: A Financial Cautionary Tale (15:30) Market Volatility and the Concept of Buying the Dip (25:02) Facing Financial Realities with Bill Yount (29:48) Creating a Financial Plan (35:07) Late Starters and Financial Freedom (39:56) The Role of Social Security (48:51) Investment Advice for Late Starters (56:00) Building a Financial Community 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://catchinguptofi.com/ CUTFI’s Facebook group:  https://www.facebook.com/groups/catchinguptofi/ LinkedIn: https://www.linkedin.com/company/catchinguptofi/  Mentions: https://bestinterest.blog/secret-sauce/ https://bestinterest.blog/dave/ https://bestinterest.blog/buy-the-dip/ https://bestinterest.blog/is-tax-loss-harvesting-worthwhile/   More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

    59 分钟

  6. 4月14日

    Tariffs, Turbulence, and the Harsh Truths We Must Now Face - Bonus Episode

    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 sentiment, with economists warning they may slow growth or trigger stagflation. Market reactions, such as those seen during the Trump-era tariffs, highlight investor uncertainty and the self-inflicted nature of such economic disruptions. Jesse offers 15 introspective questions to help investors stay grounded, assess their emotional triggers, and focus on long-term goals rather than panic-driven moves like tax-loss harvesting or "buying the dip." He critiques the celebratory tone around recessions and urges against using emergency funds for speculative gains, emphasizing that such attitudes overlook the human cost of downturns and risk mispricing assets. Ultimately, the message is clear: successful investing demands self-awareness, patience, and preparation—not market timing, blind optimism, or short-term emotional decisions. Key Takeaways: • Tariffs are essentially taxes on imports aimed at protecting domestic industries and gaining leverage in trade negotiations. While intended to boost local economies, tariffs often have unintended consequences, such as raising consumer prices. • Long-term investment strategies like diversification and rebalancing remain important, even during market turbulence caused by tariffs. • The "buy the dip" mentality is flawed, especially if it involves tapping emergency funds or relying on hope over planning. • Assuming “markets always recover” can lead to complacency and distorted risk-reward expectations. • Rational, emotionally detached investing leads to better outcomes than strategies based on fear or overconfidence. • Successful investing hinges on preparation and humility, not certainty or bravado—acknowledging the market’s unpredictability is key. Key Timestamps: (00:00) Market Update and Tariff Discussion (02:00) Impact of Tariffs on the Market (13:33) 15 Questions for Scared Investors (22:19) Understanding Portfolio Reactions to Market Events (27:15) The Fallacy of Buying the Dip (28:48) Emotional Investing and Market Realities (36:20) The Myth of Guaranteed Market Recovery 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/the-15-tariff-questions-ive-heard-most/  https://bestinterest.blog/15-questions-for-scared-investors-right-now/ https://bestinterest.blog/let-them-trade-stocks/ https://bestinterest.blog/last-weeks-terrific-real-life-stock-lesson/ https://bestinterest.blog/impossible-to-lose/  https://bestinterest.blog/roth-conversions/  https://bestinterest.blog/is-tax-loss-harvesting-worthwhile/  https://bestinterest.blog/markets-dont-always-recover/ More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog 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.

    44 分钟

  7. 4月9日

    "Tax-Free Retirement" - Smart Strategy or Overhyped Gimmick? And Other Listener Questions | AMA #6 - E104

    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 future retiree, on tax-efficient withdrawal strategies and investment choices, and guides Chris, a federal worker, on pension decisions, TSP management, and career changes. Jesse also addresses Rachel’s concerns about bond funds versus individual bonds, explaining their similarities and recommending a goals-based portfolio approach with cash reserves and an appropriate bond allocation for retirement security. Throughout the episode, he emphasizes strategic financial planning and adaptability in decision-making. Key Takeaways: • Homeowner’s insurance costs are rising in high-risk states like California and Florida due to natural disasters. • We explore the ethical dilemma over whether wealthy homeowners should receive government aid after disasters. • Treasuries, CDs, and high-yield savings accounts differ in liquidity, risk, and how financial institutions set rates. • Permanent life insurance strategies like whole life and indexed universal life are marketed as tax-free retirement solutions but are often inefficient. • When planning your retirement, future required minimum distributions (RMDs) should be considered, as pre-tax accounts will be taxed upon withdrawal. • Career risk should be assessed by weighing long-term benefits against short-term uncertainties, emphasizing planning and adaptability. Key Timestamps: (00:00) Introduction to Personal Finance for Long-term Investors (01:40) Question 1: California Wildfires and Financial Planning (06:57) Government Intervention in Insurance (13:21) Question 2: Treasuries, CDs, and High Yield Savings Accounts (21:09) Question 3: Tax-Free Retirement Strategies (29:46) Question 4: Retirement Planning with Part-Time Work (33:49) Pros and Cons of Realizing Capital Gains (36:06) Question 5: Federal Government Pension Dilemma (42:33) Career Change Risks and Rewards (48:46) Question 6: Bonds vs. Bond Funds 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: Career Change – Is It A Risk?: https://bestinterest.blog/career-change-risk/ More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    58 分钟

  8. 3月26日

    Life Expectancy, Caregiving Costs, & Retirement Planning | Christine Benz - E103

    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 toward holistic retirement planning, including the importance of low-cost, diversified portfolios and planning for life transitions. The episode also explores the financial impact of caregiving, particularly on women, and the necessity of proactive retirement savings and long-term care planning. John Guyton’s "guardrails approach" is discussed as a strategy for adjusting withdrawals based on market performance. Additionally, the conversation underscores the role of psychology in financial decision-making and the non-financial aspects of retirement, such as maintaining social connections and redefining work-life balance. The overarching message is that successful retirement planning requires a combination of careful financial preparation, behavioral awareness, and long-term strategic thinking. Key Takeaways: • Short-term stock market movements may seem random, but long-term investing historically trends upward, making it a safer and more strategic approach compared to gambling. • Many people underestimate their lifespan, which can lead to financial shortfalls in retirement; actuarial data and family history should be factored into planning. • Persuasive stories can shape financial decision-making, sometimes leading people to overlook critical advice in favor of compelling but misleading pitches. • Taking on unpaid caregiving roles can impact financial security, and couples should consider financial agreements to ensure fair distribution of assets. • Beyond finances, maintaining social connections and finding purpose are crucial for a satisfying retirement. • A successful retirement is not just about financial security but also about ensuring a meaningful and well-balanced life in later years. Key Timestamps: (00:00) Casino vs. Investment (11:09) Understanding Life Expectancy for Retirement (15:29) The Man Who Never Looked Up (20:41) Interview with Christine Benz (23:06) The Shift to Holistic Planning (23:47) Consumer Investment Preferences (24:26) Christine's Book: How to Retire (25:04) Personal Story: Christine's Parents (27:16) The Role of Financial Planners (30:24) Flexible Financial Planning Models (39:46) Retirement Planning for Women (45:28) Navigating Retirement as a Couple (47:24) Insights from The Long View Podcast (49:17) Conclusion and Contact Information Key Topics Discussed: The Best Interest, Jesse Cramer, Rochester New York, financial planner, financial advisor, wealth management, retirement planning, tax planning, personal finance Mentions: Website: https://www.morningstar.com/podcasts/the-long-view LinkedIn: https://www.linkedin.com/in/christine-benz-b83b523/ Mentions: https://bestinterest.blog/how-long-will-you-live/ https://bestinterest.blog/some-bets-im-willing-to-make/ https://bestinterest.blog/the-man-who-never-looked-up/ More of The Best Interest: Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

    53 分钟
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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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