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Blogger Profile


Ern

Blog Info

Name:
Early Retirement Now
Category:
Early Retirement
Tags:
Investing, Real Estate
Start Year:
2016

Blogger Bio

Net worth:
Location:
New York, United States
Age:
40s
Race:
White
Gender:
Male
Life stage:
SIK (Single Income, Kids)
Profession:
Financial Analyst
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Latest Blog Posts

This is going to be a short post today. With the Thanksgiving holiday around the corner, who wants to think about Safe Withdrawal Rate research, when you’re digesting vast quantities of turkey breast, turkey legs, fillings, and beer' So, on a lighter note, I want to say Thanks to all the folks who have made blogging […] ...
Posted: Nov 22 2017 @ 9:25 AM
Few topics in personal finance and in the early retirement community stir up emotions as nicely as the pros and cons of homeownership. Some folks in the FIRE community are renters and swear by it and others are very happy homeowners and/or real estate investors. Neither side is wrong. Those with more nomadic lifestyles probably […] ...
Posted: Nov 15 2017 @ 9:26 AM
Welcome to a new installment of our “Ask Big Ern” series with case studies on safe withdrawal calculations. This is already the seventh part, see here for the other parts of the series! Today’s volunteer is Ms. Almost FI and that’s not her real name, of course. She’s planning to retire early in 2019 and this causes a lot of anxiety: Does she have enough money? When should she take ...
Posted: Nov 08 2017 @ 9:45 AM
One of my favorite Mr. Money Mustache articles is the “Shockingly Simple Math” post. It details how frugality is able to slash the time it takes to reach Financial Independence (FI). That’s because for every additional dollar we save we reduce the time to FI in two ways: 1) we grow the portfolio faster when we save more and 2) we reduce the savings target in retirement by consuming less. That ...
Posted: Nov 01 2017 @ 9:10 AM
I was hoping to tell you about a great new investment I researched recently. It’s an ETN (ETN=Exchange-Traded Note, similar but not identical to an Exchange-Trades Fund) with a phenomenal track record; year-to-date (as of October 20 when writing this) it’s up 141%! Since inception (November 30, 2010) it’s up by 1,079%, over 40% annualized compound return! But, as you can see from the title, I’m still skeptical! Why do I ...
Posted: Oct 25 2017 @ 10:05 AM
Welcome to the sixth installment of our “Ask Big Ern” series where I perform case studies in safe withdrawal calculations. See here for the other parts of the series. Let’s make this Geographic Arbitrage Week because after Monday’s guest post on “Geographic Arbitrage,” I will now feature a case study with the same theme! Meet Mr. Corporate (not his real name) who reached out a while ago for advice on whether he’s ...
Posted: Oct 18 2017 @ 10:00 AM
Today we feature a Guest Post from my blogging buddy Benjamin Davis. A very exciting and important topic: Geographic arbitrage! Benjamin holds a Ph.D. and decided to become a landlord to retire early. He writes on From cents to Retirement, a blog about early retirement and real estate investing. He also wrote the book My strategy to retire early and runs a real estate and investment consulting business in Portugal. ...
Posted: Oct 16 2017 @ 10:00 AM
Welcome back to the newest installment in our Safe Withdrawal Rate Series! If you are new to our site please go back to Part 1 to start from the beginning. And there are quite a few new visitors these days. That’s because our small blog is one of the finalists in the “Blog of the Year” category at the upcoming 2017 Plutus Awards. How awesome is that? Thank you to ...
Posted: Oct 11 2017 @ 10:10 AM
Time flies! It’s been six months already since our inaugural Net Worth report. For some reason, we never did a Q2 update! Actually, there is a reason. Watching the ERN family portfolio progress is a little bit like watching paint dry. It’s slooowwww, at least in percentage terms! Every year in the first quarter, we get a nice noticeable bump when the annual bonus rolls in, but outside of bonus ...
Posted: Oct 04 2017 @ 10:09 AM
Welcome to a new Case Study! This time, Mrs. “Wish I Could Surf” (not her real name) volunteered to open the doors to her finances. And every case study brings up something new to learn for yours truly. Today’s challenge: How would “alternative” investments factor into the Safe Withdrawal Rate exercise? Peer Street, Hard Money Lenders, Lendingclub, Prosper, etc. have gained a lot of popularity, especially in the FIRE crowd. When calculating ...
Posted: Sep 27 2017 @ 10:06 AM

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