Chad "Coach" Carson shares practical advice about using real estate to retire early (aka achieve financial independence) and do more of what matters. You'll hear in-depth episodes with tips from Chad plus interviews with other real estate investors at various levels of their financial independence journey.
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Why is personal finance so complicated? The internet is flooded with personal finance “experts” sharing short-sighted, error-prone advice. But long-term financial success requires thoughtful, patient, and well-researched strategies. Hosted by Jesse Cramer, a former aerospace engineer turned fiduciary financial advisor in Rochester, NY, Personal Finance for Long-Term Investors simplifies complex financial topics. With relatable stories, in-depth research, and practical tips, Jesse helps you m ...
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Join the Mad Fientist as he interviews personal-finance icons like Mr. Money Mustache, Ramit Sethi, and JL Collins to discover the strategies they used to achieve financial independence and retire early! Learn about investing, tax avoidance, entrepreneurship, travel hacking, real estate, and all things related to financial independence and early retirement!
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Buffett’s Blueprint - 8 Examples of Warren’s Timeless Wisdom - E110
44:09
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44:09Jesse explores the timeless wisdom of Warren Buffett, highlighting both his disciplined investment philosophy and his unwavering emphasis on trust and character. Jesse breaks down Buffett’s approach to buying great businesses at fair prices, holding them long-term, and focusing on intrinsic value, margin of safety, and staying within one’s circle o…
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#423: What Really Happens After Financial Independence?!
43:11
43:11
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43:11⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm 🎙️ Episode #423 – Ashley Hamilton didn’t just build wealth - she changed her family’s future. Ashley shares how she went from hustling to buy her first properties to achieving financial freedom, reversing major health issue…
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#422: How I Use ChatGPT to Run My Real Estate Business
25:21
25:21
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25:21⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #422 - What if you could make faster, smarter rental decisions without spending a fortune learning the hard way? I'll show you how ChatGPT is revolutionizing my real estate business, from acquisitions to propert…
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#421: Homeowners Insurance Won't Protect Your Rental (Here's What Will)
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14:54
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14:54📃 Get a Landlord Quote with Steadily: http://www.coachcarson.com/landlordinsurance ⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #421 - Think your property is covered? Many landlords discover too late that a standard homeowners policy doesn’t protect rental…
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#420: How I'm Investing My Money Right Now
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18:34
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18:34⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #420 – Most people think real estate investors are all-in on rentals. But the truth is, some of the smartest ones quietly invest in other places that protect their time and freedom when markets shift. I'm sharin…
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Scrimping, Splurging, and Other Crazy Spending Stories - E109
50:04
50:04
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50:04Jesse explores the value of financial priorities and the balance between spending and saving with guests Diania Merriam, Justin Peters, Bill Yount, Jeremy Schneider, Doc G, and Joe Saul-Sehy. Diania highlights the “iceberg principle” of stealth wealth—how true wealth is often what you don’t see, like deferred purchases and unspent money. Justin sha…
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#419: From 0 to 12 Rentals in 3 Years - A Navy Vet’s Growth Story
42:53
42:53
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42:53⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #419 - Ryan Phan moved from a small town in Vietnam to the U.S., joined the Navy, and accidentally became a landlord. What started as a forced rental turned into a 12-property portfolio through creativity, grit,…
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#418: The Secret to Building Real Estate Wealth That Lasts
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18:21
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18:21⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #418 - Everyone talks about scaling fast in real estate, but what if slower, smarter growth is actually the secret? Bigger isn’t always better—especially if you want freedom that lasts. ▶️ Next Episode: How to B…
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#417: Your Real Estate Questions Answered (No B.S.)
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44:16
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44:16⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🏠 Coach Carson’s Capital Expense Cheat Sheet: https://www.coachcarson.com/capex-planning 🎙️ Episode #417 - Want straight talk on seller financing, strong offers, house hacking, and scaling smart? In this no-fluff Q&A, I ta…
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#416: 3 Real Estate Regrets That Still Haunt Me
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15:40⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #416 - After 22 years in real estate, I still think about the deals I didn’t do—or the ones I let go too soon. Everyone has regrets, but I’m sharing mine so you don’t repeat them. ▶️ Next Episode: I spent $12,65…
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Go Roth Now Before It’s Too Late? And Other Listener Questions | AMA #7 - E108
1:22:17
1:22:17
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1:22:17Jesse answers a range of listener questions on topics including estate planning, life insurance, financial benefits of marriage, tax strategies for high earners, healthcare in retirement, and investing during economic uncertainty. He explains that heirs to traditional IRAs must pay income tax on withdrawals, while taxable accounts benefit from a st…
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#415: From 0 to 5 Doors in 12 Months (By House Hacking)
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51:54
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51:54⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #415 – In 12 months, Sarah went from renting to owning 5 doors – without overpaying or rushing into bad deals. Her secret? Two smart house hacks, tons of sweat equity, and a plan that didn’t rely on overnight su…
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#414: Forget Big: Make Your Rental Portfolio Antifragile
19:52
19:52
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19:52⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #414 - In a world where economic uncertainty is the only certainty, discover the counterintuitive approaches that allow savvy real estate investors to not just survive market crashes, but actually thrive because…
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#413: DSCR Loans Explained: How to Qualify Without a W2 or Tax Returns
56:39
56:39
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56:39⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 📅 Schedule an Appointment with Bryan: https://www.coast2coastmortgage.com/bryan-maddex 🎙️ Episode #413 - Wish you could qualify for a real estate loan without jumping through traditional hoops? DSCR loans might be your sec…
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#412: The 5 Real Estate Books Every Serious Investor Should Read
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16:48
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16:48⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #412 - These 5 real estate books have shaped my investing strategy—and they could pay you back for life. From empire-building stories to simple, timeless frameworks, this list has something every serious investo…
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19 Questions to Uncover Good, Bad, and Ugly Financial Advisors | Don McDonald - E107
59:25
59:25
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59:25Today, Jesse is joined by Don McDonald to offer a critical examination of the financial advising and annuity industries, warning retirees and near-retirees about misleading sales tactics that exploit fear - especially the fear of market losses. They emphasize the importance of working with fee-only, fiduciary advisors who are legally obligated to a…
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#411: Why Build-to-Rent is the Most Underrated Rental Strategy (Even in High-Interest Markets)
45:29
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45:29⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #411 - With inventory low and interest rates high, 'build-to-rent' is quietly outperforming the rest. This niche could be your secret weapon in today’s tough market, and the hidden pitfalls to avoid before you s…
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#410: 3 Things to Do Before You Quit Your Job
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7:17⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #410 - Thinking about quitting your job? One wrong move could send you sliding down the mountain. Before you leap, do these 3 things to protect your finances and your sanity, especially if real estate is your pa…
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#409: 22 Years of Real Estate Investing Advice in 46 Minutes
46:20
46:20
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46:20⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #409 - 22 years. 103 units. Time Billionaire. But the biggest lesson? It’s not about stacking cash flow... If you're chasing 100 doors, this episode will change your strategy. ▶️ Next Episode: This is my Ideal R…
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#408: How Ben Franklin Retired Early at 42 (In 1748!)
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12:00⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #408 – Ben Franklin retired at 42... in 1748. How? He built cash flow, house hacked before it had a name, and brokered private financing deals. His playbook for financial independence still works today, if you k…
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Retirees’ Mistakes and Wake-Up Calls: Expectations vs. Reality - E106
28:14
28:14
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28:14Jesse explores insights from the Retirements and Perspectives study, which captures the experiences and expectations of individuals transitioning into retirement, especially those aged 50 to 75. With half of the participants recently retired and the other half preparing to retire within two years, the study offers a timely look at the "final glide …
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#407: Can you Really Buy a House with No Money? | Subject-To Explained
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49:53⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #407 – You’ve heard the hype: buy real estate with no money, no credit, and no new loans. But Subject-To isn’t as simple, or as safe, as it sounds. Let's unpack how it actually works and why 1 mistake could tank…
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#406: Solve These 3 Expenses and Get Rich ("The Big 3")
9:12
9:12
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9:12⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #406 – Anybody can build wealth when they spend the right amount on the right things. The Key? Solve these BIG three expenses! 📄 Show Notes: https://www.coachcarson.com/thebigthree/ 🎬 Timestamps: (00:00) - Live …
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#405: Top 5 Strategies to Get Started in Real Estate in 2025 (PROVEN to Work)
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16:20⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #405 – Imagine living in a house where your tenants cover the mortgage, and then some. That’s just one of the 5 real estate strategies working right now in 2025. If you're serious about reaching FI with real est…
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#404: ALWAYS DO THIS before a tenant moves in
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9:25
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9:25⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #404 – Most landlords just hand over the lease and hope for the best, but that’s a mistake. Before your tenant moves in, this ONE conversation can save you from late rent, headaches, and bad turnovers. 📄 Show No…
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It’s Not Too Late: Smart Money Moves After 50 | Bill Yount - E105
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58:38
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58:38Jesse explores the financial journey of late starters with guest Bill Yount, co-host of Catching Up to FI. In the opening monologue, Jesse shares his “Stupidly Simple Secret Sauce” for personal finance: spend less than you earn, grow income without inflating lifestyle, invest consistently, and prioritize savings. He warns against flashy success sto…
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#403: How to Replace Your Job Salary With Rental Cash Flow
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43:31
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43:31⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #403 – Turning your rental properties into a reliable paycheck is more about mindset than numbers. Many investors get stuck in the "builder" phase, constantly chasing deals but never securing true financial free…
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⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #402 – Even with financial success, why do so many people still stress about money? Coach explores how building practical skills, shifting your mindset, and focusing on what you can control can bring true financ…
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#401: 5 Mistakes That Create Negative Cash Flow Rentals
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19:28
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19:28⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #401 – One small miscalculation, like forgetting to factor in all expenses, can turn what looks like a cash-flowing deal into a $7,000 yearly loss. If you avoid these five costly mistakes, you can keep your rent…
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Tariffs, Turbulence, and the Harsh Truths We Must Now Face - Bonus Episode
44:22
44:22
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44:22Today, Jesse critiques emotional, reactive investing during volatile market conditions—especially in response to tariffs and recession fears—while promoting disciplined, evidence-based strategies. Tariffs, though intended to protect domestic industries, often raise prices and stoke inflation, ultimately harming consumers, businesses, and investor s…
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#400: The Money-Life Manifesto: How to Win With Money & Stop Selling Out.
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16:33⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #400 – From all the way back to episode 1, I revisit a fresh perspective on "The Money-Life Manifesto." I'll tell how you can stop selling out and start winning with money so you can spend more time doing what t…
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"Tax-Free Retirement" - Smart Strategy or Overhyped Gimmick? And Other Listener Questions | AMA #6 - E104
57:50
57:50
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57:50Jesse answers listener questions on financial planning, investment management, and retirement. He discusses the challenges of rising homeowner’s insurance costs in high-risk areas, the differences between Treasuries, CDs, and high-yield savings accounts, and the inefficiencies of using life insurance for tax-free retirement. He advises Casey, a fut…
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#399: From Laid Off to 40 Rentals - A Real Estate Comeback Story
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37:08
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37:08⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #399 – As an immigrant, Lew lost his W-2 job in 2018, but he turned that setback into a 40-unit real estate portfolio. By strategically using conventional loans to acquire 10 rentals and later expanding into bus…
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#398: Slower is Faster: Why Patient Investors Win in Real Estate
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14:52⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #398 – The slower you go in real estate, the faster you reach financial independence. Through my humbling climb in Peru, I illustrate why patience, deliberate approach often lead to greater real estate success. …
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#397: How Can A Property Manager Make Your Life Easier?
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56:53
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56:53⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm 🎙️ Episode #397 - My property manager, Martin Tiller, keeps my 34 rental units running smoothly. From handling maintenance and tenant screening to leveraging technology and setting clear expectations, he does it all. Stay t…
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#396: THIS Off Market Strategy Led to Nico’s $620K Property Purchase
25:50
25:50
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25:50📋 Join my FREE Masterclass April 2, 2025: https://www.coachcarson.com/masterclass ⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #396 - Nico Garcia is set to profit $100K from an off-market deal using one of the most overlooked real estate strategies. He rev…
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Life Expectancy, Caregiving Costs, & Retirement Planning | Christine Benz - E103
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52:58
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52:58Jesse Cramer speaks with Christine Benz, Director of Personal Finance at Morningstar, about insights from her book How to Retire. Before their discussion, Jesse contrasts gambling with long-term investing, emphasizing the risks of short-term market bets versus the reliability of patient investing. Christine highlights the shift in financial advice …
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#395: How to Sell a Rental and Pay ZERO Taxes (1031 Exchange Step-by-Step)
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44:31
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44:31⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #395 – What if you could turn a single real estate deal into a 6-figure payday - tax-free? Investor Char Tovar did just that, using a powerful but often overlooked strategy. Hear how she pulled it off! ▶️ Next E…
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#394: How much cash do you need for rental property reserves? (rule of thumb)
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14:11⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #394 - How much cash should you set aside for your rental properties? Too little, and you risk financial trouble when unexpected expenses hit. Too much, and you might be missing out on better investment opportun…
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#393: $40,000 on Tenant Evictions?! How to Avoid Them.
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39:01⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm 🎙️ Episode #393 - A single eviction can cost you $10,000 or more—not to mention the stress, frustration, and sleepless nights. Andy Gil has been through it firsthand, facing con artists, legal battles, and painful lessons. …
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#392: Being the Richest Dead Person is Lame
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17:51
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17:51⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #392 - Saving for the future is smart—but waiting too long to enjoy your wealth can backfire. Learn how to strike the right balance between building and living so you don’t become the richest dead person! 📄 Show…
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The Truth About the U.S. National Debt (And How It Impacts You Personally) - E102
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41:25Today we take a look at the U.S. national debt, distinguishing it from household debt and analyzing its impact on individuals and investors. Jesse traces the debt’s history and explains its structure, funding through Treasury bonds, and refinancing process. The discussion covers Modern Monetary Theory (MMT), which suggests that as a currency issuer…
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#391: 7 Simple & Cheap Ways to Protect Your Real Estate Wealth
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32:55
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32:55⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #391 - LLCs aren’t your only option for protecting your investments—in fact, they might not even be the best one! 50+ year landlord John Schaub reveals seven simple and cost-effective strategies to safeguard you…
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#390: The ONE Thing the Mega-Rich Will Never Have
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11:46
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11:46⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #390 - What if true wealth isn’t about how much you have, but knowing when you have enough? Inspired by a story from Kurt Vonnegut and Joseph Heller, we'll dive into the fulfillment curve, the hidden burdens of …
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#389: Real Estate Investors Caused the Housing Crisis!
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38:21⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #389 – Are real estate investors really to blame for the housing crisis? Some say they’re driving up prices and squeezing out homebuyers - but is that the full story? Let’s break down the facts behind this hot d…
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#388: It's Time to Clean up Your Real Estate Mess
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7:40⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm 🎙️ Episode #388 – Real estate investing comes with cycles of messy growth and necessary cleanup. I'll show you how to navigate both to build a stronger, more sustainable portfolio. 📄 Show Notes: https://www.coachcarson.com…
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Do Long-Term Investors *Need* to Invest in Real Estate? | Chad “Coach” Carson - E101
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53:12Jesse is joined by Chad Carson, who discusses residential real estate investing as a stable alternative to stocks and bonds. While real estate offers advantages like rental income, property appreciation, and tax benefits, Jesse also highlights challenges such as high costs, tenant issues, liquidity problems, and the time commitment required. Jesse …
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#387: House Won’t Rent? 5 PROVEN Fixes to Fill It Fast
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21:27
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21:27⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://www.coachcarson.com/rpm 🔗 Get your FREE Cheat Sheet to Fill Your Rental Fast: https://coachcarson.com/rentfast 🎙️ Episode #387 – A vacant rental can drain your wallet and your patience - but what if the fix is easier than you think? I’ll reve…
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#386: Why I always get a 30-year mortgage (not a 15-year)
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9:44⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://www.coachcarson.com/rpm 🎙️ Episode #386 – Think shorter is better? Not always. Chad Carson dives into the advantages of 30-year mortgages for real estate investors. Discover how this strategy can improve cash flow, weather economic storms, an…
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#385: Want Financial Freedom in 2025? Do This. [FULL BLUEPRINT]
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52:20⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: https://coachcarson.com/rpm ⚒️ Get my FREE Real Estate Investor Toolkit: https://coachcarson.com/toolkit-pod 💰 DealMachine – Software to help you buy more off market real estate deals: https://coachcarson.com/dealmachine 🎙️ Episode #385 – What does i…
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