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Early Retirement Now
Early Retirement
Investing, Real Estate
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San Francisco, California, United States
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SIK (Single Income, Kids)
Financial Analyst
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Latest Blog Posts

Welcome to the newest installment of the Safe Withdrawal Series! Part 25 already, who would have thought that we make it this far?! But there’s just so much to write on this topic! Last time, in Part 24, I ran out of space and had to defer a few more flexibility myths to today’s post. […] ...
Posted: May 23 2018 @ 10:55 AM
My apologies in advance to all who were expecting an update on the Safe Withdrawal Rate Series. I posted Part 24 last week with a promise to do an update this week. Well, I got distracted a little bit last weekend and the new simulations take some more time. Stay tuned until next week! What to […] ...
Posted: May 16 2018 @ 10:55 AM
It’s been three months since the last post in the Withdrawal Rate Series! Nothing to worry about; this topic is still very much on my mind. Especially now that we’ll be out of a job within a few short weeks. I just confirmed that June 4 will be my last day at the office! Today’s topic […] ...
Posted: May 09 2018 @ 10:40 AM
There is a first time for everything. A first time in about two years! I didn’t get today’s designated blog post up and running in time! The dog ate my homework! Well not literally but only figuratively. Things are busy at work and last weekend we had to move (again). After a month and half […] ...
Posted: May 02 2018 @ 10:55 AM
I started a new series in February on Market Timing Risk Management (part 1 was on macroeconomics) but never got beyond the first part. So, finally, here’s the second installment! Part 2 is about momentum (sometimes called trend-following) and this is a topic requested by many readers in the comments section and via email. Specifically, […] ...
Posted: Apr 25 2018 @ 9:50 AM
Everybody, I was on a podcast on NewRetirement.com, please see link below. Steve and I sat down to talk about personal finance in general and – you guessed it – safe withdrawal strategies in retirement: Link to the podcast at NewRetirement.com NewRetirement iTunes page NewRetirement Stitcher page And when I say “sat down” I mean we […] ...
Posted: Apr 22 2018 @ 5:28 PM
I thought I had written everything I wanted to write about emergency funds. Especially why I don’t like them! For example: Our emergency fund is exactly $0.00 Top 10 reasons for having an emergency fund – debunked (Part 1) Top 10 reasons for having an emergency fund – debunked (Part 2) But this topic just […] ...
Posted: Apr 18 2018 @ 9:00 AM
I wish the first quarter had ended on January 26 when the S&P500 peak reached the all-time high of 2,872! But in the end, the first quarter of 2018 was really nothing to write home about. And the second quarter is off to a volatile start as well! But I started with this series exactly a year […] ...
Posted: Apr 11 2018 @ 11:00 AM
Psssst' Can you read this' I’m not supposed to do this but I secretly logged into the EarlyRetirementNow WordPress account. I’m not Ern! I’m a whistleblower! Big Ern doesn’t actually exist. It’s all a big sham! This blog is created by a Macedonian content farm. We got five people here working around the clock, churning out blog […] ...
Posted: Apr 01 2018 @ 6:00 AM
Here’s the next installment of the inflation series, joint with my blogging buddy Actuary on FIRE. Check out the other parts here: Part 1: AoF’s Intro Part 2: Big ERN’s Intro Part 3: AoF’s post on “personal inflation rates” Today’s post is about one issue I raised in the post last month: What asset classes – […] ...
Posted: Mar 28 2018 @ 11:00 AM


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