Afleveringen
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Jesse Cramer, author of The Best Interest, joins the show to share his in-depth research into the astounding math behind car ownership. This episode originally aired in 2023 and was a top interview of the year. Although this is a replay, the content shared is just as relevant today and important to consider for the impact big purchases can have on your finances.
Listen now and learn:
How to evaluate the impact of time owned vs miles driven
When purchasing a used car is smarter than buying a new car
How leasing compares to owning from a cost perspective
To see the original show notes, YouTube interview, and resources visit this page: EP 116: The Astounding Math Behind Car Ownership with Jesse Cramer.
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.TIMESTAMPS
(4:08) The Primary Costs of Car Ownership
(11:08) Buy a New Car vs Buying a Used Car
(17:48) The Difference in Cost of Owning a Gas vs Electric Vehicle
(19:08) Evaluating a Carâs Utility
(28:08) Buying a Car vs Leasing a Car
(32:08) When to Repair a Car vs Buy a Car
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The problem with conventional wisdom is that it represents the masses, but there's a whole host of things that conventional wisdom gets wrong. By default, that feeds into what investors get wrong. This episode with Ashby Daniels originally aired in 2023 and was a top interview of the year. Although this is a replay, the content shared is just as relevant today and important to consider for your investing strategy and how you think about risk.
Listen now and learn:
What investors get wrong
A new way to think about risk
How to define investment success
To see the original show notes, YouTube interview, and resources visit this page: EP 104: Challenging Conventional Wisdom with Ashby Daniels.
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.TIMESTAMPS
(3:32) Blaming the Market Instead of Yourself
(10:03) Defining Risk
(16:49) How to Define Investment Success
(21:33) No Need to Be Smart. Just Donât Be Stupid
(30:48) Investing Like an Optimist
(35:57) The Value of a Financial Advisor
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Michael Kitces is one of the industryâs leading experts on all things financial advice and financial planning. In this live episode recorded at Wealth Management EDGE, Michael explains the evolution of financial advice and how AI might impact the profession going forward. This episode originally aired in 2023 and was a top interview of the year. Although this is a replay, the content shared is just as relevant today and important to consider for the evolution of financial advice.
Listen now and learn:
The evolution of financial advice from the 1960s to present
Ways consumers benefit from financial advisors moving up the value chain
How AI might impact the financial advice profession
To see the original show notes, YouTube interview, and resources visit this page: EP 102: AI and the Evolution of Financial Advice with Michael Kitces [LIVE]
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.TIMESTAMPS:
(3:33) The Evolution of Financial Advice
(12:33) The Lack of Barriers to Entry for Giving Financial Advice
(18:33) The Impact of AI on the Financial Advice Profession
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In this episode, Iâm joined by Carl Richards, a Certified Financial Planner (CFPÂź) and creator of the Sketch Guy column, appearing weekly in The New York Times since 2010. This episode originally aired in 2023 and was a top interview of the year. Although this is a replay, the content shared is just as relevant today and important to consider for your investing strategy.
Listen now and learn:
How investors fall victim to the behavior gap
What it means to do real financial planning
The best way to avoid âThe Big Mistakeâ
To see the original show notes, YouTube interview, and resources visit this page: EP 100: What Real Financial Advice Means with Carl Richards.
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
TIMESTAMPS:
(04:30) What is the Behavior Gap?
(07:45) Why Investors Get Distracted
(11:05) What Investors Need When Markets Are Scary
(17:30) Real Financial Planning
(24:30) Getting Ahead vs. Having Enough
(30:00) The Value of a Real Financial Advisor
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Dr. Burton Malkiel, author of A Random Walk Down Wall Street, joins the show to talk about the 50th anniversary of his investment classic. This episode originally aired in 2023 and was a top interview of the year. Although this is a replay, the content shared is just as relevant today and important to consider for your investing strategy.
Listen now and learn:
The two biggest mistakes investors make
Lessons from market bubbles of the past
Practical ideas for achieving investment success
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
(03:00) What Efficient Market Hypothesis Means for Investors
(19:15) Lessons Learned from The History and Bubbles
(29:00) How Interest Rates Are Impacting Stock Prices
(32:30) The Case for Diversification
(42:05) Behavioral Finance
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Khe Hy of Rad Reads and The Examined Life Podcast joins to discuss the pursuit of meaningful wealth by balancing money, time, and happiness.
Listen now and learn:
Why not all hours are valued equally and the importance of aligning activities with true life purposes
How the value of money diminishes as wealth growths
The issue with retirement planning that focuses too much on trading time today for more time later
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
(06:18) The Value of Time
(10:12) Diminishing Returns of Money and Marginal Utility
(14:38) Balancing Financial Independence and Time
(20:34) Questioning Financial Independence Conventional Wisdom
(31:36) The Scarcity Mindset and Non-Money Fears
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How do you choose between a Roth and a Traditional 401(k)? Explore the financial implications of each option as we break down what it means for your current taxes, future gains, and overall retirement strategy.
Listen now and learn:
How to strategically choose the right 401(k) type based on your career stage and future income expectations. Benefits of tax diversification vs tax timing. Practical tips for making the right decisions with your retirement savings.Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
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This episode welcomes back Sara Gelsheimer, Senior Wealth Manager at Plancorp, to discuss the challenges and strategies for female breadwinners, balancing career and family, and the importance of integrating mental wellness into financial planning.
Listen now and learn:
The importance of becoming more involved and confident in your financial life Practical strategies to negotiate better work-life balance. The importance of education, asking questions, and the role of effective communication in financial planningVisit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
(02:04) Empowering Women in Finance
(05:54) Challenges for Female Breadwinners
(08:34) Tailored Financial Planning for Women
(09:09) Balancing Career and Family as a Working Mom
(14:37) Financial Planning Strategies for Women Leading Financially
(21:59) Integrating Mental Wellness into Financial Planning
(24:00) Emerging Financial Trends and Advice for Women
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Originally aired on The Best Interest Podcast, Peter shares insights on why all-time highs are more common than one might think, the importance of maintaining a long-term perspective, and why trying to time the market is an unwise strategy.
Listen now and learn:
How often you should expect corrections and bear markets The primary long-term driver of stock returns The importance of understanding the conflicts of experts giving adviceVisit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
[02:25] Investing at All-Time Highs
[04:47] Market Cycles and Volatility
[11:20] The Limits of Market Timing
[17:52] The Cyclical Nature of Stocks
[24:19] The Connection Between Stocks and Earnings -
Taylor Schulte and Benjamin Brandt join the show to talk about the Retirement Podcast Network and share valuable perspectives on various retirement-related topics.
Listen now and learn:
How to leverage the Retirement Podcast Network to enhance your retirement readiness The major pain points retirees and those planning for retirement face Diverse ideas on how to approach advanced retirement planning strategiesVisit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
02:34 Origin of the Retirement Podcast Network
07:09 Retirement Planning Beyond Investing
10:18 Retirement Income Strategies
14:10 Strategic Roth Conversions Are Great, But Not Everything
17:36 Long-Term Care Planning
20:58 Future Content Hubs at Retirement Podcast Network
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In this episode, we delve into the complexities of the S&P 500's index concentration, spotlighting the unprecedented impact of the 'Magnificent 7' on market dynamics and investor strategies.
Listen now and learn:
The historical context and current state of S&P 500 market concentration. Diversification strategies for mitigating investment risks associated with the 'Magnificent 7' How the performance of equal-weighted vs. market-cap-weighted indices offers insight on todayâs market health and investment opportunities.Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
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In this episode, Peter shares his interview from Investipalâs Podcast about all things portfolio construction and investment management.
Listen now and learn:
How Peter thinks about designing portfolios
When to think about deviating from an index strategy
Novel ways to remove bias from a portfolio decision
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
Episode Timestamps:
(02:59) Portfolio Construction Philosophy
(12:16) Quantitative vs. Fundamental Approach
(30:45) Reducing Emotional Biases
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When it comes to the disciplined approach of portfolio rebalancing, investors often find themselves in a conundrum, particularly with the necessity of realizing capital gains. This episode explores the tradeoff between maintaining a strategic, long-term asset allocation versus a higher tax bill.
Listen now and learn:
Why many investors might soon need to realize some capital gains
The importance of rebalancing and maintaining your target asset allocation
Strategies to mitigate the tax impact of portfolio rebalancing
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. -
Manisha Thakor, author of MoneyZen: The Secret to Finding Your âEnough,â joins the show to share practical steps to embrace a life of âenough.â
Listen now and learn:
Strategies to resist societal pressures that equate success with perpetual accumulation. Ways to recognize when you have enough and how this realization can transform your approach to life and money. 7 steps for implementing a Joy-Based Spending program to maximize your happiness.
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
[02:51] Understanding Money Zen
[05:21] How People End Up in the Cult of Never Enough
[18:20] Science of Hustle and Work-Life Balance
[23:30] How to Implement Joy-Based Spending
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In this episode, we delve into the heart of Nvidiaâs recent surge and why it's not the missed opportunity it might seem.
Listen now and learn:
Nvidiaâs role in the AI and tech boom Strategies to overcome feeling like you "missed an investment opportunity" Why you do not need to chase "hot stocks" to be a successful investorVisit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
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In this episode, weâre joined by Christine Benz, Director of Personal Finance at Morningstar, who shares fascinating insights from her latest co-authored paper: "The State of Retirement Income 2023."
Listen now and learn:
Motivations for safe withdrawal rate research
Nuances of the 4% withdrawal rule
Implications of todayâs environment for retirement spending strategies
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
02:28 Motivation Behind the Research
03:54 The 4% Withdrawal Rule: An Overview and Its Shortcomings
07:15 Variables Impacting the Ideal Withdrawal Rate
12:45 The Impact and Value of Early Financial Gifts
17:16 The Advantage of Dynamic Spending Strategies
21:07 Upcoming Book: "How to Retire â 20 Lessons for a Happy, Successful, and Wealthy Retirement"
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You need money for everything, but money isnât everything. Thatâs why there are a number of non-
financial reasons you ought to embrace financial planning.Listen now and learn:
How blueprinting your life goes beyond a budget
How financial planning can strengthen your bond with loved ones
How a financial plan turns time from a fleeting resource into a strategic assetVisit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
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The conversation continues with Derek Jess, Senior Wealth Manager and Shareholder at Plancorp, who returns to delve deeper into executive compensation planning strategies.
Listen now and learn:
Key strategies for deferred compensation plans Advanced strategies for exercising stock options The important nuances of establishing a 10b5-1 planBe sure to also check out last weekâs episode with Derek about Equity Compensation Strategies: Everything You Need to Know.
[02:00] Advanced Deferred Compensation Planning Strategies
[11:35] Advanced Strategies for Exercising Stock Options
[16:20] Understanding AMT Planning for Incentive Stock Options
[21:25] The Importance of Setting a 10b5-1 Plan
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
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Derek Jess, Senior Wealth Manager and Shareholder at Plancorp, shares his vast knowledge of integrating equity and executive compensation into comprehensive financial planning strategies.
Listen now and learn:
The essential considerations and tax implications for incorporating equity compensation into your financial plan
Unique risks faced by employees with large company stock positions
A systematic approach to managing company stock
Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
[2:17] Understanding Deferred Compensation
[3:43] Equity Compensation and Vesting Schedules
[6:01] Restricted Stock vs. Stock Options
[9:21] Tax Implications of Stock Options
[14:05] Employee Stock Purchase Plans
[17:36] Concentrated Stock Positions and Risks
[21:05] Integrating Company Stock in Financial Planning
[33:06] A Systematic Approach to Managing Company Stock
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Peter provides a data-driven analysis of what investing in stocks at an all-time high means for investors today.
Listen now and learn:
The significance of all-time highs in the stock market How current dynamics fit into the natural growth cycle of the market Insights into balancing risk and opportunities that lead to confident investment decisionsVisit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
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