Hello! Jesse Cramer here.

Thank you for reading The Best Interest blog,

And listening to my podcast, Personal Finance for Long-Term Investors.

New podcast cover art?!

Your eyes don't deceive you. When you next see Personal Finance for Long-Term Investors in your favorite podcast player, you'll find the new cover art below.

From the blog...

Last weekend, the fantastic Rob Berger shared one of my Social Security articles with his audience.

I received some awesome questions from you guys and from Rob’s audience. But beneath a few of those questions, many people made a common mistake:

Spousal benefits and Survivor benefits are NOT the same thing in the Social Security world!

So let’s amend that today, and we’ll include Divorced Spouse benefits (or just “Divorced”) as well.

If you are (or were) married, what do you need to know about the special Social Security benefits that affect your retirement plan?

👉 Spouses, Survivors, and Exes: ​

​Your Relationships Affect Social Security​

On the podcast...

On Episode 117 of the podcast, we cover:

• The only constant in retirement
• The retiree's financial decathlon,
• And I'm joined by Spencer Reese to share lessons from his Air Force retirement, including 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.

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​🎧 Military Money Lessons That Civilians Can’t Afford to Miss - E117​

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Military Money Lessons That... Oct 1 · Personal Finance for Lon... 65:36   ​

Weekly Top 3 - Other Content You Can't Miss

• ☯️ From Alpha Architect: another interesting addition to the "optimal retirement portfolio" discussion...just two ingredients: TIPS and stocks.​
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• 🙅🏼‍♂️ From Kitces: why "downside protection" ETFs simply aren't as good as bonds.
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• 🤖 From Reuters: "ChatGPT, what stocks should I buy?" Folly, folly, folly :)

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P.S. - if you find something great that you think deserves to be shared with our community, let us know!

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.
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Want to check them out? They're all here:

🔗 All of My AMA Episodes ​

I'm collecting questions for AMAs 10 and 11.
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Reply to this email or send questions to Jesse@BestInterest.blog

Work with Jesse?

By night, I run The Best Interest and Personal Finance for Long-Term Investors.

By day, 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.

In Closing

Thank you, as always, for reading, listening, and getting in touch. The project continues because the audience (that's you!) is amazing.

People like you send me questions every single day.

I’d love to hear from you.

Go ahead! Send an email or ask me question: ​jesse@bestinterest.blog​

Until next week,

Jesse