Retirement is a different game. You’ve spent decades building wealth. Now comes the harder part - turning it into a paycheck that lasts. I’m Jesse Cramer. I help DIY investors turn their savings into a clear, cohesive retirement plan. Join 4000+ weekly readers and 20,000+ podcast listeners.
Simple is good. Too simple might cost you. 🔢
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Good morning! Today's email includes... A complete glossary of the confusing world of advisor fees (e.g. "fee based" vs. "flat fee" etc) Finding the balance between over-complicating vs. over-simplifying your financial plan And other articles about "the great filter," corporate earnings, and private equity.
Advisor Fee Jargon GlossaryThe financial advising industry stinks for its jargon. The worst culprit might be the different ways advisors charge fees. Lots of DIYers – and lots of professionals too! – consistently get this language confused.
I’m writing this as a simple “evergreen” post that folks can use to decipher what fee jargon actually means.
Making Retirement As Simple As Possible, But No SimplerIn this Ask Me Anything episode, I explore the balance between overcomplicating and oversimplifying financial decisions in retirement, arguing that while many investors get lost in unnecessary complexity, others fall into equally dangerous "too simple" thinking. Specifically, I discuss:
Jesse on the "FI Minded" PodcastBig thanks to Justin Peters for inviting me onto his "FI Minded" podcast. Early retirement isn’t just “normal retirement…earlier.” Most financial advice is built around retiring at 65 with a 25–30 year time horizon, Medicare coverage, and limited tax planning flexibility. But if you’re aiming to retire in your 40s or 50s, the rules change.
Top 3 of the WeekFrom Nick Maggiulli: on "the great filter" and how it affects all our lives From Ben Carlson: keyword = *earnings* From Investment Ecosystem: how private equity has changed over time What Are *Your* Questions?My most popular episodes are the "ask me anything" episodes. Check them out here:
I'm collecting questions for AMAs 19 and 20. Looking for a Financial Planner?Retirement planning can be complex. But I help! If you'd like to learn more or explore working together, visit PlanWithJesse.com and fill out the form.
Until Next WeekThank you for reading, listening, and writing back. People like you send me questions every day. Go ahead! I'd love to hear from you.
Until next week, Jesse |
Jesse Cramer
Retirement is a different game. You’ve spent decades building wealth. Now comes the harder part - turning it into a paycheck that lasts. I’m Jesse Cramer. I help DIY investors turn their savings into a clear, cohesive retirement plan. Join 4000+ weekly readers and 20,000+ podcast listeners.
Good morning! Today's email includes... The latest "Ask Me Anything" episode - featuring opportunity costs, TIPS, and asset location. Why a small 10% difference can lead to infinite differences - in both health and wealth. Stop Eating!! It's Costing You BILLIONS! Well...that headline isn't quite true. Though some people like to frame "opportunity cost" as the monster sapping your very life-force. In this "Ask Me Anything" episode, I tackle (3) great retirement finance questions... First -...
Good morning! Today's email includes... The 14 biggest risks in retirement - and how to beat them. [Part 2 of a two-part series] A funny connection between investing and the weather - and our strange perceptions of both. The 14 Retirement Risks - and How to Beat Them In these two episodes, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of defining success alone, investors should first identify how retirement plans fail and then design...
Good morning! Today's email includes... The 14 biggest risks in retirement - and how to beat them. [Part 1 of a two-part series] A funny connection between investing and the weather - and our strange perceptions of both. The 14 Retirement Risks - and How to Beat Them In this episode, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of defining success alone, investors should first identify how retirement plans fail and then design strategies...