![]() ![]() The funny thing is it was already an issue on the web and I hadn’t just found it yet. I had always planned to retire early, even before this was an issue on the web. In terms of your background, how did you get into becoming an expert on early retirement finance and on the topics we’re going to discuss today: safe withdrawal rates and sequence of returns risk? So the name stuck.Īnd then on top of that, I’m a big guy. If you know the movie Kingpin (Woody Harrelson and Billy Murray), Billy Murray is the villain. So the name ERN was already around, and somebody made it “Big ERN.” And Early Retirement Now, so I would sometimes sign emails with ERN as a signature. I started my blog in 2016 and I was still anonymous at that time. Where does that come from? Why do they call you “Big ERN”? You have this really interesting nickname “Big ERN.” ![]() I’d love to start out just by learning a little bit more about your background. Karsten, thanks so much for joining us today to share your insights and analysis about these important topics. I invited Karsten today to come and share insights about both safe withdrawal rates and sequence of returns risk, which are perhaps the most foundational financial planning concepts that early retirees must grasp to plan for a successful early retirement where your retirement portfolio doesn’t get depleted to zero before you pass away. Since early retiring, he’s been traveling a lot with his wife and daughter, and he writes extensively on his blog, Early Retirement Now, about financial planning for early retirement with special emphasis on analyzing safe withdrawal rates in retirement. He worked at the Federal Reserve Bank of Atlanta and also at the Bank of New York Mellon in the asset management group in San Francisco. He’s also an early retiree who FIREd a couple of years ago at age 44.īut before that, he taught economics at Emory University. My guest today is Karsten Jeske, who also goes by the nickname “Big ERN.” Karsten has a PhD in economics and is a chartered financial analyst. I hope you enjoy the conversation as much as I did. Our conversation was so substantive that I ended up deciding to break this up into two episodes: part one today, which covers a lot of the theory and underpinnings behind these two concepts, and part two next week, where we cover mitigation strategies for reducing our exposure to sequence of returns risk. Schedule a private 1:1 consultation with meįor today’s episode, I invited an economist to come talk to us about safe withdrawal rates and sequence of returns risk in retirement.Asset allocation: Is rental real estate a safer type of “yield shield”? (HYW070). ![]()
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