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The RRTTLLU Investing Framework | Jesse Cramer

ChooseFI

Brad Barrett | Choose FI Media

Financialindependence, Investing, Firemovement, Passiveincome, Frugalliving, Personalfinancepodcast, Daveramsey, Careers, Business, Earlyretirement, Habits

4.8 • 5K Ratings

🗓️ 20 May 2024

⏱️ 53 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this episode: RRTTLU, actual risk, actual return, balancing portfolios, understanding your timeline, taxes, and legal situations.

This week we are joined by Jesse Cramer of the “Best Interest" blog and podcast to discuss “RRTTLLU”, an acronym that provides a framework and guide of some of the factors one should consider when they start investing. While investing on your own can seem complex with many factors to consider such as your risk tolerance, the potential tax liabilities, and returns; being realistic about what you want to get out of your investment and what timeline you are on will only ensure your success. Considering some of these factors before you start investing can help you to choose your investments smartly, and give you the confidence and self-assurance for when changes or uncertainties come and go!

Jesse Cramer:

Resources Mentioned In Today’s Episode:

Transcript

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0:00.0

Hello and welcome to Choose a Fye.

0:02.0

Today on the show we have my friend Jesse Kramer.

0:04.4

He is the founder of the best interest blog

0:07.2

and podcasts of which I was a guest last year

0:09.6

and just really, really enjoyed going on his show,

0:12.1

getting to know him.

0:13.2

His energy is fantastic.

0:14.6

I think you're really going to like him.

0:15.8

He's a former engineer, and he now

0:18.2

works with clients as a financial planner at a fiduciary fee-only

0:21.8

wealth management firm in Rochester, New York.

0:24.0

And their mission is simple to guide people to a successful financial future.

0:28.0

And Jesse reached out to me a couple weeks ago and said,

0:31.0

hey, I was perusing the Chooseof My Facebook group and I see all these kind of one-to-one-level questions like, hey, I have $5,000. Should I put it in Roth or Brookridge or people answering like very specifically with, oh Roth put it in VTS

0:45.0

etc and he said I don't know how people can give such confident answers without

0:50.4

understanding the Rudy Lou investing framework.

0:54.5

And so it's an acronym R.R. T.T. L L L L. You, we're going to call it Rudy Lou going forward.

1:01.0

So he said, I don't understand how they can be so confident

1:04.6

without understanding this investing framework and it sounded so fascinating to

1:09.2

me that I knew we had to do an episode on it because it is this significant framework of risk,

1:14.8

reward, taxes, timeline, liquidity, legal, and unique.

1:20.8

And I think you're really going to enjoy this episode.

...

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