Start here - Early Retirement Now
Ask Big Ern: A Safe Withdrawal Rate Case Study for “Rene”: No need to worry about the recent layoff: You are more than ready for early retirement! Ask Big Ern: A Safe Withdrawal Rate …
Early Retirement Now - You can't afford not to retire early!
Nov 19, 2025 · No direct compensation for you. Only the warm and fuzzy feeling that Big ERN gets a small payout. Looking to move to SW Washington? I wholeheartedly endorse Curtis …
About - Early Retirement Now
Welcome! I hope I don’t disappoint anyone by revealing that my real name isn’t Ern. Or Big Ern. But I am a big guy, at 6’6″ (just under 2 meters), which explains why the name “Big Ern” stuck! …
The Safe Withdrawal Rate Series - Early Retirement Now
Nov 14, 2025 · Discover the Safe Withdrawal Rate Series: 4% Rule, Personalized strategies, sequence risk, FIRE planning, free Google Sheet, 2025 updates.
Options Trading - Early Retirement Now
The strategy in a nutshell I’ve written about this strategy in previous posts, most recently in Part 10, Part 11, and Part 13. But briefly, here is what I’m doing: Why does this work? Implied …
The Ultimate Guide to Safe Withdrawal Rates – Part 19: Equity ...
Sep 13, 2017 · That’s where the Big ERN simulation engine comes in handy! Simulation assumptions: Monthly data from January 1871 to July 2017. A 60-year retirement horizon. …
The Ultimate Guide to Safe Withdrawal Rates – Part 1: Introduction
Dec 7, 2016 · Welcome! You probably landed on this page because you clicked someone’s link to my Safe Withdrawal Rate Series. Thanks for stopping by! This series has now grown to 30+ …
Safe Withdrawal Rates Archives - Early Retirement Now
Unfortunately, the actuarially correct way is more complicated. But Big ERN to the rescue, I have another Google Sheet to help with that, and I share that free tool with you. Let’s take a look…
Building a Better CAPE Ratio - Early Retirement Now
Oct 5, 2022 · CAPE.ERN.2 is the new adjusted CAPE taking into account corporate tax rates and earnings retention ratios. I also throw in the 12-month trailing PE Ratios. Here’s the same …
The Ultimate Guide to Safe Withdrawal Rates – Part 14: Sequence …
May 17, 2017 · This is a long overdue post considering how much we’ve written about safe withdrawal rates already. Sequence of Return Risk, sometimes also called Sequence Risk, is …