Long-term investors face more complexity over time. I provide guidance and clarity. I'm Jesse Cramer, former aerospace engineer, now fiduciary financial planner, writer of The Best Interest and voice behind Personal Finance for Long-Term Investors. I'll help you create a structured plan for your financial life; one coherent system that you understand, that you can implement, and that works. Without a good system, your wealth quietly erodes. The conversations we avoid become the problems nobody planned for. You've done the hard part. Let's figure out the rest.
Munger's Lesson About "Torturing" Numbers 🔢
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Good afternoon! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog...Abe Lincoln, George Carlin, and Charlie Munger shared a common philosophy: Treat reality as it is. Many humans struggle with this idea. Usually, it's unintentional and subconscious. Munger would call it "torturing reality." We bend and twist the facts to make them fit our preconceived notions. This is a risky practice, and I see a few common places where retirees struggle with it. Read more below: How to Not Torture Your Retirement Numbers On the podcast...Episode 127 of the podcast focused on retirement and longevity, featuring Jeremy Keil. We discussed:
Give it a listen below! Longevity and Retirement | E127 PS - over 122,000 people downloaded this podcast in 2025, which is the 3rd straight year of ~3x growth. From 4,785 in 2022 to 122,067 in 2025. For 2026...my goal is 350,000 downloads. And, more importantly, I care how ~350K downloads correlates to 10,000+ individual listeners enjoying, learning, and making better financial decisions. Thank you for listening!
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What Are *Your* Questions?I've been creating "ask me anything" episodes on the podcast, where I answer your questions about investing, financial planning, and retirement. They are quickly becoming my most popular episodes. I'm collecting questions for AMAs 13 and 14. Work with Jesse!I work for a fiduciary wealth management firm in Rochester, NY, helping busy professionals and retirees avoid costly mistakes and grow lasting wealth to and through retirement. Learn more here --> Work with Jesse Until Next WeekThank you, as always, for reading, listening, and getting in touch. The project continues because you are a fantastic audience. People like you send me questions every single day. Send an email or ask me question: jesse [at] bestinterest [dot] blog Until next week, Jesse |
Jesse Cramer
Long-term investors face more complexity over time. I provide guidance and clarity. I'm Jesse Cramer, former aerospace engineer, now fiduciary financial planner, writer of The Best Interest and voice behind Personal Finance for Long-Term Investors. I'll help you create a structured plan for your financial life; one coherent system that you understand, that you can implement, and that works. Without a good system, your wealth quietly erodes. The conversations we avoid become the problems nobody planned for. You've done the hard part. Let's figure out the rest.
Good morning! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog... What exactly are the new Trump accounts? How can people use them? Invest in them? Pay taxes on them? How do they compare to similar accounts? How will I use them and encourage others to use them? - Ehh. Trump Accounts: Not as Good as Advertised On the podcast... Episode 132 is all about controversial money and retirement topics. It's an "ask me anything"...
Good afternoon! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog... I’ve struggled with this concept. I’ve seen many others struggle with it, too. Step 1: We discover a new shiny idea (…Roth conversions! …Small-cap value investing! …Qualified charitable distributions!) Step 2: This idea’s shiny appeal pushes it to the top of our priority list. Step 3: Blinded by the light, we mistakenly overemphasize this new idea to...
Good afternoon! Thank you for reading The Best Interest And listening to my podcast, Personal Finance for Long-Term Investors From the blog... The Adirondacks are a special place. Maeve and Kelly in the shallows of Heart Lake. Hiking, in particular, is my favorite part of visiting America’s largest park. The journey up one of the Adirondack “High Peaks” is grueling but rewarding. Sitting on the summit is a beautiful thing. You’ve never had a better peanut butter & jelly sandwich than when...