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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How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with ac ...
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Want to achieve financial independence without missing out on the fun? FI Minded is for anyone who wants to achieve financial freedom, live life on their own terms, and, most importantly, enjoy the journey along the way! Whether you’re just starting to think about financial independence or already deep into the process, FI Minded gives you the tools and inspiration to make FI a reality - without giving up the things you love. Each episode, we’ll cover topics like: *Financial Independence Str ...
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The Mindful Millions podcast will help you to accelerate your financial goals without sacrificing your values. You have a choice in how you amplify your money. On this show Cristina Perez, certified financial planner & investment manager, empowers you with the knowledge that you need in order to make choices that impact the legacy of your money.
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Ever wish financial advisor marketing was easier? Tired of experimenting without results? Craving simple strategies that actually work? Press play and take notes – we’re about to level up how you market your financial services. Hey there! We’re Kendra and Taylor 👋… two marketing professionals with decades of real-life experience sharing proven strategies from two (very!) different perspectives. Taylor, as an advisor who tripled his revenue in the last three years, and Kendra, as an agency ow ...
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Make better financial decisions and learn all about personal finance, investing, and entrepreneurship with Philipp Muedder, StashAway’s Head of Personal Finance. He’ll chat with thought leaders and experts on how to FIRE, investing in ETFs, the evolution of cryptocurrencies, and more! If you enjoy what you hear, subscribe, leave a review, and tell your friends. All of this really helps us make the show even better for you so that we can convince great guests to join us. Have feedback for us? ...
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Advice Line: How to Grow A Podcast That’s Already Converting (Jesse Cramer)
42:12
42:12
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42:12Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are you struggling to grow your podcast audience despite having great content? Wondering how to turn your middle-of-funnel success into more top-of-funnel visibility? In this LIVE "Advice Line" episode, financ…
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Decoding Financial Planning Models with Jesse Cramer
52:03
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52:03In this episode of the Mindful Millions podcast, host Cristina Perez and Jesse Cramer delve into the intricacies of financial planning models. They discuss the differences between fee-only, fee-based, and hybrid advisors, emphasizing the importance of transparency and understanding how advisors are compensated. The conversation also explores the DI…
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Where Investors Go Wrong: Tax Traps, Math Mistakes, and Behavioral Biases - E115
1:10:29
1:10:29
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1:10:29Today, Jesse goes solo for a candid episode unpacking the most common mistakes and misconceptions he sees in personal finance, from the temptation to “rip off the bandaid” with Roth conversions to the behavioral traps of availability bias and flawed math around investment returns. He breaks down a real listener case study to show why paying million…
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Navigating Financial Conflicts in Relationships | Ep 562
1:00:27
1:00:27
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1:00:27Brad and Ginger discuss the importance of asset flexibility, community building, and health savings accounts (HSAs). The conversation emphasizes maximizing contributions to HSAs while addressing financial conflicts that arise within relationships. Key Topics Discussed: Introduction and Community Building (00:00:00) Ginger shares her growing efforts…
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Mini-Retirements: Instead of Retiring Early, Why Not Retire Often? | E177 Jillian Johnsrud
49:08
49:08
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49:08We’re all waiting for the day we hit financial independence. That’s when we’ll finally quit our jobs and have time to learn a new hobby, start that house project, take longer vacations, or prioritize our health. You probably have a list of things you’re saving for after FI—but what if you don’t want to wait another decade to start? Tomorrow isn’t g…
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Advice Line: Why Your Podcast Isn’t Attracting Clients—and How to Fix It (Steve Taylor)
33:00
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33:00Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Is your podcast failing to convert listeners into clients? Are you struggling to define your niche and create content that resonates with your ideal audience? In this LIVE "Advice Line" episode, financial advi…
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Mini-Retirements: Test Driving Financial Independence | Ep 561
50:16
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50:16Brad Barrett welcomes Jillian Johnsrud, author of Retire Often, as they delve into the transformative concept of mini retirements. Jillian shares her insights on how taking intentional breaks from work can enrich life experiences, enhance personal growth, and help individuals navigate transitions on their journey towards financial independence. Key…
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Advice Line: Building A Marketing Funnel For Your Niche Practice (Scott Campbell)
44:37
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44:37Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are you a financial advisor specializing in a niche practice but struggling to attract qualified prospects? Do you feel like your firm is the "best kept secret" despite having excellent client retention? In th…
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The Risks and Rewards of Quitting Your Career | Kelan Kline - E114
1:03:56
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1:03:56Today, Jesse is joined by Kelan Kline, co-founder of The Savvy Couple, who shares his entrepreneurial journey from working as a jail deputy to building a successful online personal finance brand, emphasizing the importance of leveraging scalable income streams to achieve financial freedom. Kelan explains how entrepreneurship allows for more growth …
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Living Off the 4% Rule | Marla Taner | Ep 560
1:00:21
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1:00:21Marla Taner shares her journey of living off the 4% rule since her retirement in 2013. She discusses the financial strategies that have supported her abundant lifestyle, the emotional aspects of transitioning into retirement, and the importance of reassessing fixed costs. Marla's insights provide inspiration for those seeking financial independence…
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How to Save Thousands on Groceries (Without Giving Anything Up) | E176 Bryan Suddith
45:24
45:24
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45:24If you're on the path to financial independence, you know every dollar adds up. An extra $1,000 a year might not sound like much, but early in your FI journey, that kind of savings can seriously accelerate your timeline. And if you’re already FI, trimming $1,000 in expenses lowers your FIRE number and helps your nest egg last longer. The best part?…
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Advice Line: How To Focus Your Marketing When You're Overwhelmed (Charley Edson)
44:48
44:48
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44:48Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are you a new financial advisor feeling overwhelmed by all the marketing options available to you? Unsure which path to take to attract your ideal clients? In this LIVE "Advice Line" episode, financial advisor…
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Zero-Based Everything: FI, Travel, and the Art of Starting Fresh | Katie & Alan Donegan | Ep 559
1:20:16
1:20:16
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1:20:16Join Brad, Katie, and Alan in a candid conversation about financial independence, travel rewards, and lifestyle choices. They discuss the importance of zero-based thinking, share experiences as digital nomads, and challenge conventional views on net worth by introducing the concept of a "freedom fund." Timestamps: 00:03:48 - Zero-Based Thinking Dis…
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Advice Line: Why Picking A Niche Makes Everything Easier (Frank Rekas)
38:44
38:44
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38:44Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are you struggling to grow your financial advisory practice by attracting a specific niche? Wondering how to effectively market to attorneys or other professional groups? In this LIVE "Advice Line" episode, fi…
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How to Be Smart About Inheritance Planning | AMA #8 - E113
1:20:45
1:20:45
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1:20:45Jesse tackles six thoughtful listener questions spanning a range of personal finance topics. He begins with a question about using Social Security and pension payments as a means to replace bonds in a retirement portfolio. Why do we own bonds, anyway? Then Jesse dives into long-term care insurance, a common sticky topic for aging retirees. Do they …
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Designing an Intentional Life | Tim Ferriss | Ep 558
1:35:41
1:35:41
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1:35:41Tim Ferriss focusing on financial independence, the importance of mentorship, and the role of playful experimentation in living a fulfilling life. Discover insights on designing an intentional life and the values behind Tim's new game, COYOTE. Key Takeaways Experiential Learning & Game Selection Choose the right projects to engage in rather than ju…
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Common Tax Planning Pitfalls & How to Avoid
57:14
57:14
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57:14In this episode of the Mindful Millions podcast, host Cristina Perez and guest Julia Carlos discuss the intersection of financial literacy, accounting, and tax planning. They explore the journey of becoming an accountant, the importance of financial literacy, and the various tiers of financial planning. The conversation delves into common tax plann…
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Shifting Away from a “Save-Only” Mindset | E175 Matt & Yana - CoastFI Couple
46:38
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46:38Today, we dive into some of the biggest questions our community has about money, relationships, and raising kids on the path to financial independence. Matt and Yana from CoastFI Couple share their honest experience with shifting from a strict save-only mindset to learning how to enjoy their money after reaching Coast FI. We talk about how even cou…
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Advice Line: Why Focusing On ONE Marketing Channel Converts Better (Mohammad Uz-Zaman)
39:07
39:07
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39:07Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are your marketing efforts scattered across too many platforms with minimal results? Wondering how to convert cold leads into qualified clients? In this LIVE "Advice Line" episode, financial advisor Mohammad U…
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It's Big, But Is It Beautiful? Let's Talk About It... | Ep 557
1:00:18
1:00:18
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1:00:18Key changes in tax law related to the newly passed One Big Beautiful Bill significantly impact the financial independence (FI) community. Notably, the extension of tax rates and the higher standard deduction provide more planning certainty for early retirees, allowing greater financial management under these new regulations. Brad & Sean Mullaney di…
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Advice Line: How to Build a Marketing Funnel That Attracts Pre-Retirees (Ryan Kittredge)
51:44
51:44
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51:44Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are your marketing efforts bringing in leads but not pre-retiree clients? Wondering what's missing in your financial advisor marketing funnel? In this LIVE "Advice Line" episode, Ryan Kittredge from Clearpath …
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Reset Your Portfolio Expectations, Before It's Too Late | Peter Lazaroff - E112
54:45
54:45
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54:45Jesse welcomes back Peter Lazaroff to discuss the psychology and strategy of investing during uncertain times. They explore how media narratives and recession fears can distort investor behavior, emphasizing the importance of focusing on business earnings rather than sensational headlines. Peter shares why he separates his portfolio thinking from h…
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Mailbag: Bond Funds, Roth Conversions, Advanced FI Strategies, Solo 401k and Backdoor Roth
1:01:04
1:01:04
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1:01:04Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax pla…
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How to Get the Courage to Travel More Adventurously | E174 Jon Otero
1:09:29
1:09:29
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1:09:29My first big trip abroad was in 2015. I had just graduated from college the week before and wanted to do something fun. So my girlfriend and I flew to Europe and visited Prague, Paris, and Barcelona. It was a blast, and it left a lasting impression. Since then, I’ve traveled to 10 more countries. Lately, I’ve been getting more comfortable with inte…
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Advice Line: Where To Focus Your Marketing When You Have Multiple Brands (Ed Vargo)
38:57
38:57
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38:57Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ---- Where should you focus your marketing efforts when you have multiple brands serving different audiences? Is it better to build separate marketing channels or create a unified approach? In this LIVE "Advice Lin…
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In this episode of the Mindful Millions podcast, host Cristina Perez engages in a heartfelt conversation with her mother, Maria Perez, about the evolution of budgeting and its significance in achieving financial health. They discuss personal experiences with budgeting, the emotional barriers that often accompany financial management, and various bu…
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Are You Over-Optimizing? | Jesse Cramer | Ep 555
57:50
57:50
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57:50Effective financial planning resembles both a puzzle and a spider web, where each decision impacts interconnected aspects of one's financial life. Brad is joined by Jesse Cramer and explores the importance of resilience over perfection in financial planning, how minor choices can have significant implications, and the necessity of revisiting one's …
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When Smart Financial Planning Backfires - ChooseFI Companion Episode - E111
1:00:06
1:00:06
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1:00:06Today’s episode is a special bonus episode, a companion to Jesse’s discussion on episode 555 of ChooseFI! Jesse examines the risks of over-optimization in personal finance, concentrating on tax-loss harvesting, asset allocation, Roth conversions, and dividend investing. He explains how each strategy can offer value when used thoughtfully, but warns…
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Advice Line: How To Drive Predictable Leads Online For Your Firm (LIVE Devin Watts)
36:24
36:24
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36:24Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are you struggling to convert online views into actual clients for your financial advisory firm? Wondering why your social media efforts aren't translating to growth? In this LIVE "Advice Line" episode from th…
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From Poverty to Semi-Retired | Kristen Knapp | Ep 554
58:59
58:59
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58:59Kristen Knapp shares her journey from a childhood marked by poverty to achieving financial independence and transitioning to part-time work as a television meteorologist. She introduces her new venture, FI Friends Travel, a travel initiative that connects financial independence enthusiasts through meaningful, shared travel experiences. Kristen emph…
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Money Moves That Sound Smart…But Aren’t (Part 2) | E173
17:34
17:34
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17:34Some money moves sound smart…until you actually try them. This is Part 2 of our special series where six personal finance experts share strategies that sound smart but rarely are. In this episode, you’ll hear from: Larry McMahon (Uncontrollable Me) on why doing everything yourself can be a costly mistake Sean Mullaney (FI Tax Guy) on when Tradition…
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Money Moves That Sound Smart…But Aren’t (Part 1) | E172
24:31
24:31
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24:31Some financial strategies sound really smart…until they aren’t. In part one of this special two-part series, we’re diving into real stories from personal finance pros who once made money moves that seemed like great ideas... but turned out to be anything but. You’ll hear honest reflections from: Diana Merriam (EconoMe) on the allure, and pitfalls, …
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Advice Line: How to Build a Clear Marketing Roadmap (Stephen Mulholland)
33:10
33:10
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33:10Want your marketing questions answered by Taylor and Kendra? Apply to be on an Advice Line episode: https://www.taylorschulte.com/apply ———— Are you struggling to focus your marketing efforts while serving multiple client types? How do you choose which niche to prioritize when growth demands clarity? In this LIVE "Advice Line" episode, financial ad…
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Buffett’s Blueprint - 8 Examples of Warren’s Timeless Wisdom - E110
44:09
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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Deep Dive: Putting the Middle-Class Trap to Bed | Ep 553
1:06:57
1:06:57
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1:06:57Cody Garrett, (CFP), joins Brad to discuss the pervasive myth of the middle-class trap in the financial independence (FI) community. Through four case studies, they illustrate how individuals often feel trapped financially due to psychological barriers rather than actual limitations. The conversation provides insights into turning retirement accoun…
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