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.
Thoughts Before the (Next) Bear Market 🧸
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Good morning! Scenes of summer here in Upstate NY. Our elder daughter loves to swim. It's hard to go wrong with a pool + a grilled cheese sandwich. Today's email includes:🧸 Some thoughts before the (next) bear market. 🫙 What you might be missing on your investment account statements. 👀 Some interesting news about what the IRS is paying attention to ...and more= Jesse on Some Other Podcasts...Many thanks to Paul Lambert and Chris Hill and Joe Saul-Sehy for inviting me on their excellent podcasts over recent weeks... Thoughts Before the (Next) Bear MarketA quaint ~15 months ago, the global stock market rippled with the "tariff tantrum." President Trump snipped and snapped over tariffs for a few weeks, and we all watched our portfolios dip and dive and recover and dive again.
I wrote the following blog post on April 8, 2025 - about one week into the tariff tantrum. Now that our portfolios are in a state of "calm" (knock on wood) - I'd encourage you to go back and read through these mid-crash thoughts.
What You're Missing on Your Account StatementsYour monthly investment statements show what you own, how you've done, and some basic info. But there's so much info NOT included on your statement, and that's what we're diving into today! Investment statements tell only a fraction of your portfolio's true story, and investors who stop at account balances and performance figures may be missing some of the most important risks, costs, and planning opportunities hidden beneath the surface.
The Top 3...I enjoyed these. I think you will too. 1) Worth remembering - the IRS pays attention to the "tax planning" that we all do. 2) Predicting the stock market vs. predicting a deck of cards. 3) An expert's thoughts on the 7 sins of active management What Are *Your* Questions?I love answering your questions! My most popular podcast episodes are the "ask me anything" episodes, created using questions from people like you. Submit your question for a future episode here:
I Help People Retire BetterI'm a Partner at a fee-only fiduciary retirement planning firm. We work with clients all over the USA. We help answer questions like...
If you know someone who could use good help, visit PlanWithJesse.com and let's start a conversation.
Until Next Week...Thank you for reading, listening, and writing back. People like you send me questions every day. I'd love to hear from you. Until next week, Jesse Cramer |
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! It might be smoggy outside, but hopefully you're feeling clarity in your financial plans. Today's email includes: *A listener who asked, "My retirement portfolio is 100% S&P 500 - and it's done great! Why do you say it's wrong?!" *A $500K Roth conversion mistake, and a reminder about the clients I prefer to work with. *Other content about "solo agers," big goals, and Social Security calculators. Ask Me (Literally) Anything We're getting ready to record Episode 150. Many of you...
Good morning! Today's email includes: *A different type of "ask me anything" episode, coming soon. *A podcast episode devoted entirely to your Roth conversion questions *A sequence-of-returns model that you can use and play with. *And other people's content about ignoring the news, knowledge vs. understanding, and being a unique human. Ask Me (Literally) Anything We're getting ready to record Episode 150. Many of you know that my normal AMA episodes focus entirely on retirement and financial...
Good morning. It's hot. 🌶️ Today's email includes: *A new podcast episode about "risk parity" portfolios, and the three H's of retirement, and the five ways to use your money for good. *An old article about "benefits hacking" - an immoral practice, or a genius way of playing within the rules? *Some great content from others, including a great chat Are You Hoarding, Hustling, or Harvesting? In this new podcast episode, I was joined by Frank Vazquez -- retired attorney, creator of Risk Parity...