The Crushing Cost of Conservative Retirement Planning with Jesse Cramer | MHFI 236

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 tolerance, leveraging third-party advice, and continuous learning to make informed decisions about financial independence and retirement. Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Doug contribute to his retirement fund by providing support at Buy Me A Coffee. Links Jesse Cramer, “The Best Interest” The Best Interest, “The Crushing Cost of Conservative Retirement Planning” Doug on “The Best Interest” podcast: Apple Podcasts Spotify FinCon Michael Kitces Jim Dahle/White Coat Investor The White Coat Investor, “Michael Kitces on the State of Financial Planning” ChooseFI Joel & Matt/How To Money Dave Ramsey MHFI Facebook group Doug’s site Check out Producer Chris’s new blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 3:21 Transition from engineering to finance 8:47 Conservative retirement planning 12:55 Impact of conservative vs aggressive assumptions 18:34 Social security & spending in retirement...