Jesse Cramer » Contributors: Expert Voices On Baby Boomer Life & Legacy

Scar Tissue &Raquo; Pexels Photo 6643073

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:A deep wound. A terrible burn. The remnants of a life-changing surge…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:A deep wound. A terrible burn. The remnants of a life-changing surgery.Scar tissue is the body’s natural way of healing after an injury. When the skin or other tissues are damaged, the body rapidly produces collagen fibers to close and strengthen the wound. This repair process often results in scar tissue. Its appearance and texture differ from the original tissue because it’s laid down quickly and without the original structure.But scar tissue car…

Jesse Cramer May 15, 2025

“Asset-Liability Matching” Aligns Your Money to Your Future

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:I see some people thinking about their portfolios incorrectly, and a…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:I see some people thinking about their portfolios incorrectly, and a concept called “asset-liability matching” can help.Let’s imagine a portfolio…50% stocks, half US and half international. Plus 50% bonds, half short duration (~2 years) and half longer duration (~8 years). To make life simple, I’m going to use some ETFs to “build” this portfolio:ITOT: Total US Stock MarketIXUS: Total International Stock MarketIEF: 7-10 Year US Treas…

Jesse Cramer May 5, 2025

Stocks, Rock, and Two Blasting Speakers

This is a true story.Growing up, our neighbor was erratic. He was an unwell man, and it manifested in many ways. To me, as a child, he was scary. When I was a teen, a weirdo. Now, as an adult, I …

This is a true story…

This is a true story.Growing up, our neighbor was erratic. He was an unwell man, and it manifested in many ways. To me, as a child, he was scary. When I was a teen, a weirdo. Now, as an adult, I see the pragmatism of avoiding him mixed with sympathy for his unlucky lot in life.Long-time dedicated readers might ask, “That neighbor?!” Yep. Same one. Welcome to rural NY! Today’s main character was their middle-aged son.Among some more questionable tendencies, one (relatively innocent) habit that stood out was his penchant for blasting loud music at all hours of the day or …

Jesse Cramer April 29, 2025

You Win or You Die…or You Just Have a Normal Retirement

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:George R.R. Martin’s epic fantasy saga, A Song of Ice and Fire, …

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:George R.R. Martin’s epic fantasy saga, A Song of Ice and Fire, started in 1996, with Martin publishing the first three books over five years. The books built a cult following thanks to their gritty realism, deep characters, and (let’s be honest) a willingness – or even a penchant – to kill off anyone at any time.Then HBO came calling. In 2011, the Game of Thrones adaptation turned the books into a global sensation of a TV show, just as Martin publi…

Jesse Cramer April 22, 2025

Are Dividends and Income Part of My Retirement Withdrawal Rate?

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:Today’s QuestionBarry wrote in and asked:Jesse – I’l…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:Today’s QuestionBarry wrote in and asked:Jesse – I’ll need about $100,000 per year from my portfolio in Retirement. I have $3M in my Retirement portfolio. It’s producing about $60,000 in income and dividends for me, meaning I only need to sell $40,000 (net of taxes) of the principal value to fund the rest of my need. By my math – $40,000 divided by $3M is about 1.3%. That withdrawal rate is WAY less than the 4% rule.Am I thinking about thi…

Jesse Cramer April 11, 2025

15 Questions for Scared Investors Right Now

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:Editor’s Note: I published this article on April 9, about 45 minut…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:Editor’s Note: I published this article on April 9, about 45 minutes before President Trump announced a 90-day pause on tariffs, sending the market **rocketing** skyward. I’ll be surprised if this is the last of the tariff tantrum, and I stand by every question below. Happy reading!I want to float these punchy, Socratic questions out there and let them sit. I want you to pause and think.I don’t want to tell you any of my answers or any “be…

Jesse Cramer April 9, 2025

Let Them Trade Stocks

Historians doubt Mar…

Historians doubt Marie Antoinette ever said, “Let them eat cake.” The apocryphal tale is that upon hearing that French peasants had no bread, she coldly suggested they eat brioche instead – a richer, more expensive pastry. Shame on you, Marie!But historians doubt she ever said it. The quote likely originated decades earlier and was used to criticize out-of-touch aristocrats. Still, the myth stuck, fueling the image of a clueless queen and symbolizing elite indifference during the French Revolution.Fast forward to modern times: I’ve been reading account after account of …

Jesse Cramer April 8, 2025

The 15 Tariff Questions I’ve Heard Most

My blog inbox and my professional inbox exploded last week with tariff questions.At first, I thought, “Everyone’s already talking about it…do I really need to add my voice to the fray?”…

My blog inbox and my…

My blog inbox and my professional inbox exploded last week with tariff questions.At first, I thought, “Everyone’s already talking about it…do I really need to add my voice to the fray?”But the questions kept coming. And after two terrible red days on Thursday April 3 and Friday April 4, the futures market looks glum heading into Monday April 7. So, like it or not, here are my two cents.I wrote this Q&A. My goal is to make it rapid-fire and easy to consume. If you’re sick of tariff talk, skip it. If you know everything already, skip it. But if you want a simple-yet-th…

Jesse Cramer April 6, 2025

Pedal to the Metal?

Comedian George Carlin joked,“Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?”What’s your driving style?Th…

Comedian George Carl…

Comedian George Carlin joked,“Have you ever noticed that anybody driving slower than you is an idiot, and anyone going faster than you is a maniac?”What’s your driving style?The Bullet floors it in the left lane, weaving through traffic like Richard Petty, convinced speed limits are merely suggestions.The Oblivious Cruiser plants themselves in the middle lane at precisely 47 mph, blissfully unaware of the mile-long parade of frustrated drivers behind them.The Wildcard alternates between tailgating, sudden braking, and last-second exits, as if being chased by an …

Jesse Cramer April 2, 2025

The “Asset Location” Dilemma: Tax Strategy or Tax Trap?

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:The world of financial planning comprises many strategies and tactic…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:The world of financial planning comprises many strategies and tactics, some big and some small. Dollar-cost averaging, sequence of returns, tax-loss harvesting, and the list goes on.Depending on who you ask, the process known as “asset location” could be one of the more impactful arrows in your financial planning quiver…or it could be a total waste of time.So which is it? Does asset location matter in the long run? And if so, can we quantify it?…

Jesse Cramer March 25, 2025

35 Lessons from 35 Years

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:I originally wrote this in 2021 (31 lessons in 31 years). But here i…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:I originally wrote this in 2021 (31 lessons in 31 years). But here in 2025, I’ve had a crazy busy week and not enough time to write a brand-new article. Perfect timing though! My birthday is Saturday, so let’s just update this post for 35 years!Last year, I wrote about the amazing Growth that can occur in a single decade. Here’s that article: A Lot Can Change in Ten Years.But for this 35st birthday, I went back and considered 35 valuable lessons tha…

Jesse Cramer March 18, 2025

Should I “Reset” Retirement Withdrawals in Bad Markets?

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:Jesse – I’m confused about how “the 4% rule” and other “s…

Before the article, …

Before the article, here’s what’s happening this week on our podcast, Personal Finance for Long-Term Investors:Jesse – I’m confused about how “the 4% rule” and other “safe withdrawal rates” can change so rapidly in such a short period of time. If someone had retired in the middle of 2022 (a bear market), their “safe” withdrawal amount might be artificially low. Whereas if they had retired a mere ~6 months earlier, their safe withdrawal amount would be much higher. And this SWR is supposed to apply for life! How can a 6-month difference in retirem…

Jesse Cramer March 11, 2025

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