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Why is personal finance so complicated? Even worse, the Internet is full of personal finance “experts” providing short-sighted, error-prone, and outright bad financial advice. Jesse Cramer has a knack for using everyday experiences to make personal finance accessible for the average investor. His extensive research coupled with skilled narrative makes personal finance actually enjoyable. By day, Jesse works for a fiduciary wealth management firm in Rochester, NY. By night, he runs The Best I ...
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You’ve always wanted to get to know your favorite local business owners. But with everyone’s busy schedules, it can be hard to actually sit down and chat with each other and learn about the dreams, setbacks, successes, failures, and everything in between! All of which help shape us into the humans we are today.The Sincerely, Your Small Business podcast is your window into the lives and identities of small business owners that you support year-round. What inspires them, what makes them tick, ...
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Mile High FI Podcast

Carl Jensen & Doug Cunnington

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Real talk about Financial Independence and life after corporate jobs. Carl Jensen and Doug Cunnington talk about FI, lifestyle, side hustles, health, and anything on their minds. Plus, they interview experts and non-experts interested in the FI lifestyle. It's raw, candid, pretty much like you get to sit in on a private conversation.
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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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Doug chats with Jesse Cramer from “The Best Interest” blog & podcast about retirement planning. They discuss the impact of making overly conservative vs aggressive assumptions, exploring key factors such as investment returns, inflation, spending, tax rates, and social security. Jesse highlights the importance of understanding personal risk toleran…
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Doug and Dusti answer questions from the Facebook mailbag. Sam – I’m Coast FIRE, currently working part-time to cover expenses without touching my portfolio. I have a NW just shy of $2M, with $1.5M in broad, low-cost ETFs, and the rest in my house and retirement account. My NW fluctuates daily, sometimes by $1K-$3K, or up to $10K-$30K with market v…
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This episode originally aired on October 16, 2023. What do you do when you meet a friend who shares your same dreams, energy level, and passions? Why you start a business of course! Chelsea and Flannery met through the small business network of Crozet and immediately started hosting pop-up markets together to encourage and support a variety of fema…
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Jesse opens the show by sharing a personal anecdote about a former teacher's challenging investment choices, which were burdened with high fees from their financial advisor. He emphasizes the predatory nature of the financial advice teachers receive, encouraging teachers to seek better investment options from reputable firms like Vanguard and Fidel…
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Doug chats with Kristen Knapp, a meteorologist from St. Louis, about her Financial Independence journey, how she made it to Coast FI, and the importance of the FI community. Kristen shares how her frugal upbringing & early financial literacy set the stage for financial stability, details her transition from a full-time meteorology career to a part-…
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Doug and Dusti answer questions from the Facebook mailbag. Chris For Doug: I know this is a stereotypical interview question, but where do you see yourself in 5 years? With Elizabeth’s recent retirement and your continued involvement with the FI community, how do you see your life changing (or perhaps not) in the next handful of years? For Dusti: H…
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Today, Jesse helps us step out of our financial frame and see the broader context of our lives. Quoting from David Foster Wallace’s “This is Water” speech, he highlights our self-centered bias and makes suggestions on how we can gain greater perspective through the support of those around us. In his monologue, Jesse also notes Charlie Munger’s beli…
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Rachael Kesler Palm is a queer woman, author, activist, creator, communications professional, and mother. Her passion lies in creating: creating change through her activism as a volunteer with Moms Demand Action; creating beautiful content through marketing communications work; and co-creating a fulfilling life with her 8-year-old daughter and fian…
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Doug chats with Carl about his decision to leave the podcast to focus on wrapping up personal projects. Carl shares struggles with balancing podcast duties, fitness goals, burnout, and family obligations. He shares some regrets from his MHFI podcasting experience while also reflecting on his fondest memories. Doug talks about the future of the podc…
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Back with another AMA, Jesse tackles your questions on employee stock incentives, diversification, how taxes affect investments, and more! Our first question comes from Lynn, who asks about when to take Social Security, which opens up a broader discussion on optimal timing for retirement benefits. While she and her husband initially planned to wait…
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Join Doug and Carl as they embark on a road trip in Carl’s Tesla Model Y. In this episode, they discuss the state of their podcast, upcoming exciting series on happiness, and their plans for book writing. (Sorry about the audio! Doug sounds horrible, first time recording like this so I hope next time it’ll be better…) The duo shares their personal …
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Doug and Carl answer questions from the Facebook mailbag. Akshay – I like the concept of giving money away, but I don’t want to die with zero. This is too close for comfort. I agree with helping out kids with their education, as long as they have skin in the game. I also agree with the idea of not wanting to wait until the end to pass your wealth o…
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Jesse explores the intricacies of student loan forgiveness, highlighting the fallacy that loans can simply vanish without consequence. He argues that the financial burden ultimately falls on taxpayers and critiques the notion that the U.S. government can "magically" eliminate student debt. Jesse explains the Public Service Loan Forgiveness (PSLF) p…
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Doug and Carl chat about various aspects of consumerism including recent trends, rising costs, and the evolving culture of tipping. They discuss the rising cost of vehicle prices & financing, increasing cost of car insurance, the future of autonomous cars, and compare fast food & grocery costs over the last decade. They also delve into the confusin…
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Doug and Carl chat with Dan Manwaring, a former medical device salesman, who transformed his life from being $60K in debt to retiring early and traveling the world. Dan discusses his professional journey, his approach to financial independence, and his unique travel experiences along with fitness routines, eating habits, and the importance of enjoy…
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Referring back to his article, Fundamentals Of Retirement: Is the Summit “Good Enough?”, Jesse uses an experience hiking in the Adirondack Mountains as a metaphor to explore retirement preparedness. He recounts how being poorly equipped for a challenging hike can mirror the pitfalls of entering retirement without thorough planning - you might reach…
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Doug and Carl catch up to discuss their recent summer adventures. They discuss Carl’s FI-centric road trip & his future travel plans, Doug’s experience with timeshares, fitness routines while traveling, and an update on Doug’s back injury. And because this is a money podcast, they also touch on the current state of the stock market. Be sure to chec…
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Doug and Carl answer a potpourri of audience questions at CampFI Rocky Mountain with help from Mark Trautman (Mark’s Money Mind), Pete Adeney (Mr. Money Mustache), Travis Hughes (Downshift Financial), and Mindy Jensen (BiggerPockets Money/Mindy on Money). On a scale of 1 to 10, how happy were you to see asparagus served in the cafeteria at CampFI? …
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In today’s opening monologue, Jesse explores the concept of Sequence of Returns Risk, a crucial and often misunderstood threat to retirees, by illustrating how poor returns early in a retirement can severely impact long-term stability. He emphasizes the importance of diversification. Jesse then introduces the idea of path dependence, drawing parall…
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Doug chats with early retirees Jolene & Darren about their path to financial independence and early retirement. The couple shares their experience from 20-year careers in agronomy, high savings rates, and the impact of discovering the FIRE movement in 2018. They discuss life changes including downsizing possessions, international travel, utilizing …
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Doug and Carl chat with Debbie and Chris Emick from the “Go Bucket Yourself” blog & podcast about their journey to financial independence. Debbie & Chris discuss their core values, real estate, overcoming challenges & fear, cultivating a growth mindset, the significance of community building, and their adventurous lifestyle, including homeschooling…
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In today’s AMA, Jesse delves into various financial dilemmas and strategies to maximize benefits and secure a stable retirement. The first question comes from Mindy, a 50-year-old widow, weighing the pros and cons of remarrying due to its potential impact on her survivor benefits. Jesse explains the complexities of Social Security spousal and survi…
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Doug and Carl answer questions from the Facebook mailbag and read recent podcast reviews. Kristian – I was recently discussing the subject of financial independence with a friend, she sits in the business and entrepreneurial camp, and she has a strong opinion, regarding “having a FI number” as she thinks it is limiting my mindset. She often says th…
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Doug and Carl discuss the challenges of retiring during a market downturn. They delve into the significance of Sequence of Returns Risk & inflation then propose strategies for financial management during recessions, such as cutting expenses, maintaining cash reserves, adjusting withdrawals, part-time work, and re-evaluating investments. Note: This …
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Jesse starts by sharing two of his blog posts in today’s monologue. The first post, “The Answers are Here, But…”, expands on William Gibson’s quote, “The future is already here. It’s just not evenly distributed, yet.” Jesse draws a connection between Gibson’s quote and the distribution of financial literacy, explaining that The Best Interest is par…
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Doug chats with two recent retirees, his wife Elizabeth & friend Dusti. They share vital tips and lessons they’ve learned, including financial planning, healthcare considerations, and the importance of flexibility and community in retirement. The group also discusses real-life strategies like writing things down, engaging in fulfilling activities, …
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Doug chats with two recent retirees, his wife Elizabeth & friend Dusti. The group discusses the transition to retirement, sharing insights on dealing with stress, maintaining productivity, and discovering new interests. Elizabeth & Dusti also answer questions from the Facebook mailbag. Jamie – Have you decompressed yet from baseline stress? Others …
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Jesse begins today's episode with two reflections. First, he talks about the rarity and preciousness of gathering all your loved ones in one place. While money is important, it is ultimately a means to gain the freedom to spend time with those you care about. In his second reflection, Jesse recounts the story of his parents' neighbors' house catchi…
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Doug and Amberly discuss the ins & outs of when to consider using a financial advisor. They explore the pros & cons of working with advisors, fee structures, the importance of fiduciary responsibility, how to avoid bad financial advice, and complexities of DIY financial management. They share personal stories and experiences to illustrate the discu…
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Doug and Carl answer questions from the Facebook mailbag. Branden – Basically Coast FI, but can’t pass up the tax advantages of a 401k and a Roth IRA even though focusing on a taxable brokerage account would provide freedom sooner. How did you prioritize which accounts to use and when? Julie – Do you favor long-term care insurance? Matt – How to ap…
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Jesse starts this episode with a confession: money still stresses him out. The four ways that Jesse reduces this stress are remembering what’s going right financially, prioritizing spending, working hard, and remembering that others have walked this path. Then, with another call back to his blog, Jesse invokes Marshall McLuhan’s quote “the medium i…
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Doug and Carl chat with Allison, delving into her unique journey as a nanny for high net worth families and some insights & takeaways from those with wealth. Allison also discusses her path toward financial independence including frugal areas of her life, giving into the (lifestyle) creep, and finally attending an in-person FI event for the first t…
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Doug and Carl chat with Vivi Ton who shares her bold decision to leave a stable career as an aerospace engineer to pursue her true passion in graphic design. Vivi discusses entrepreneurship & her work with Personal Finance Club, her experiences with mental health & therapy, navigating the societal pressures of leaving a high-paying job, and offers …
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Jesse begins today’s episode with a short monologue on the highs and lows of money. Can money buy happiness? Or are they uncorrelated? Either way, money can certainly buy flexibility and optionality. Jesse collects insights from Thom Yorke, Matthew Killingsworth, Danny Kahneman, and Angus Deaton. Today’s guest is Jonathan Clements, the founder and …
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Doug and Carl catch up briefly on a potpourri of personal topics including challenges of managing time, updates with the lazy book, fitness updates, and upcoming summer plans. They also discuss changes in Google search, the impact of AI on search results, and the current state of SEO. Save 50% site-wide on your new mattress, pillow, and bedding ove…
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Doug and Carl chat with Air Force veteran & physician B.J., who shares his journey toward Financial Independence and life beyond material success. B.J. discusses how military benefits like pensions & healthcare can pave the way to financial success, the personal growth he experienced after achieving FI, and the pursuit of deeper happiness beyond ow…
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On today’s episode, we bring you something a little different. Jesse’s collected a series of questions from newsletter subscribers and will answer them in today’s AMA (Ask Me Anything). Jesse answers into which accounts young people should be putting their money. Other questions answered are: Is getting to your “Coast FI” a good idea? How to balanc…
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Doug and Amberly explore the intriguing reasons why many millionaires consider themselves middle class. They discuss the technical definitions of financial classes vs. the challenging societal definitions of these same classes, how both of these relate to their own views, and the psychology of wealth & self-perception among financially successful i…
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Doug and Carl work through a case study from listener Frank and also answer questions from the Facebook mailbag. Frank – Has a stressful, yet well paying job. Should he stay at his current job, which he doesn’t like so much, or move on to something else that he’s been contemplating for a while? Rich What does a typical daily meal and snack look lik…
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Jesse starts this episode discussing his “50/50 rule” of college savings. Jesse also talks about 529-to-Roth conversions (why they’re overrated!), the FAFSA, and other financial tools at our disposal for college planning. Evan Giokas then joins the show to dive deeper into a college admissions conversation. Evan is the founder of The College Confid…
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Mindy and Carl catch up with long-time friend Brandon, the Mad Fientist, to discuss the balance between spending, saving, and maintaining happiness. Brandon details his journey from extreme frugality to spending experiments to purposeful spending/spending for happiness. He also discusses the indispensable role of personal development, the importanc…
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Doug and Carl chat with financial educator, investing enthusiast, and author Brian Feroldi. Brian delves into early investment mishaps, his investing philosophy (focusing on high-quality, long-term businesses), the significance of understanding the stock market & personal finance, and where to find new investing ideas. The group also discusses Warr…
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This episode originally aired in January of 2023. Born in Manila, the tiniest bit strange and a lot dramatic, PK Ross was probably meant for a life of crime boss’ mistress. Just kidding. Not about the Manila part; she was definitely born there. Hers is a typical tale of an Asian immigrant child whose only proper destiny was doctor or lawyer. But as…
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In episode 79 of The Best Interest Podcast, host Jesse Cramer discusses the intricate relationships between health, wealth, and time with guest Phil Pearlman. Jesse starts with his usual monologue, explaining and establishing that health, money, and time are all interchangeable resources that many people trade-off throughout their lives. Jesse and …
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Carl chats with Doug and his wife Elizabeth who recently left her career and retired early. Elizabeth discusses her introduction to Financial Independence and some of the skepticism she initially had while also walking through some of the specifics about actually leaving her job (making the decision, having a solid financial plan in place, and desc…
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Recorded in the hotel lobby on the last day of the EconoMe conference, Doug and Carl reflect on some of the presentations and conversations they had over the weekend while also providing their own insights & observations. They discuss various topics including: the evolution of the FIRE movement from its initial focus on accumulating wealth to its c…
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Jesse starts this episode with an engaging monologue: how exactly does The Best Interest generate revenue? Jesse answers this question and asks YOU for your help in ensuring The Best Interest continues as a terrific free financial resource. And then Justin Peters joins for the second half of the episode. Justin hosts The Struggle is Real, a podcast…
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Doug and Carl chat with Bob Haines who is a well-known figure in the FI community due to his frequent attendance of various FI-related events such as FinCon, EconoMe, Chautauqua, and CampFI. Bob recounts his financial journey from initially finding FI through the Tim Ferriss podcast, to discovering that he was accidentally FI already, to transition…
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Tina Page is the founder of Palm + Petal Creative, based out of Maui, Hawaii. Her line is inspired by the islands. Palm + Petal Creative creates sustainable apparel and coastal-themed home decor. You can find her products in boutiques and resorts throughout Hawaii or through her online shop. Tina and her husband are originally Virginia natives, but…
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Recorded in the hotel lobby from the EconoMe conference in Cincinnati, Doug and Carl catch-up on various topics including: a recap of their recent visit to the Culdesac community in Arizona, thoughts on e-bikes & electric vehicles, Doug’s battle with pink eye, updates to their fitness routines, and Carl’s unfortunate Facebook incident. Doug also sh…
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