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.

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**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.**

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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

24:08 Healthcare expenses & how to make a plan

30:20 Understanding the risks of investing

35:52 Asset allocation & alternative investments

42:54 Identifying blind spots