# Jesse Cramer

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Are You Over-Optimizing? | Jesse Cramer

Most people spend more time planning a vacation than analyzing how their financial decisions ripple through their entire life. Jesse Kramer, a relationship manager at a financial planning firm and host of the Personal Finance for Long-Term Investors podcast, sits down with Brad Barrett to challenge…

The RRTTLLU Investing Framework | Jesse Cramer

Most financial advice online boils down to "just do this" — but what if your situation is the exception? Jesse Kramer, founder of The Best Interest blog and a financial planner, introduces the RRTTLLU framework (Risk, Reward, Taxes, Timeline, Liquidity, Legal, Unique) to help investors dig deeper t…

Q&A: Would You Spend $60,000 on a Wedding Knowing It Could Be $800,000 Someday?

#736: A bride wants to spend $60,000 on her wedding — money that could grow to $800,000 in 40 years if she invested it instead. This week, three very different listener questions all boil down to the same fight: what the math says versus what actually makes you happy. 👉 Figure out your own money m…

Episode 545: The Ins And Outs of Monte Carlos And Back Tests, The Golden Ratio For Radiologists, Broker Boilerplate, And Portfolio Reviews As Of October 16, 2026

In this episode we answer emails from Dave, Bob, and Waldo.  We discuss how Monte Carlo simulations differ depending on their basis and how they differ from historical back-tests, the problem of trusting retirement calculators without understanding the assumptions inside them and choosing the corre…

Q&A: Would You Spend $60,000 on a Wedding Knowing It Could Be $800,000 Someday?

#736: A bride wants to spend $60,000 on her wedding — money that could grow to $800,000 in 40 years if she invested it instead. This week, three very different listener questions all boil down to the same fight: what the math says versus what actually makes you happy. 👉 Figure out your own money m…

13 Munger-isms for a Smarter Life - E155

13 of Charlie Munger's best quotes guide today's episode, covering investing, thinking, and how to live a smarter life. Looking for a financial planner? → PlanWithJesse.com Jesse turns to the wisdom of Charlie Munger, drawing primarily from Poor Charlie's Almanack to explore 13 ideas that c…

A Closer Look At Target-Date Funds: You Won't Believe What We Found! | David Brown & Shaun Davies | 246

Finance professors Shaun Davies, PhD, CFA and David Brown, PhD join the show to give us a look under the hood of target-date funds (TDFs). What they found may surprise you! Their research reveals enormous differences in fees, risk, glide paths, active management, and performance; even among funds c…

The Surprising History of American Retirement - E156

Jesse explores the fascinating history of retirement in America, tracing its evolution from a time when most people worked until they physically couldn't to today's complex system of Social Security, Medicare, employer-sponsored retirement plans, and personal savings. Looking for a financial plann…

Should You Cut Your 401(k) When Money Gets Tight? How to Handle Higher Prices SB1920

Social Security checks are getting a raise because everything costs more. Joe Saul-Sehy, OG, and Doug are joined by a Brooklyn financial planner who works with creative people on lumpy incomes and Jesse Cramer of Personal Finance for Long-Term Investors to ask whether you should trim retirement sav…

Maximize Wealth or Minimize Risk? - E157

Jesse explores one of the most important questions in retirement planning: What problem are you actually trying to solve? Maximize success? Or minimize failure? Looking for a financial planner? → PlanWithJesse.com Drawing on his background in aerospace engineering, Jesse explains how competing go…