Karsten Jeske (Big ERN)

Karsten Jeske, known as Big ERN, is a retirement researcher with a PhD in economics and the founder of the popular blog Early Retirement Now. He delves into the intricacies of Sequence of Returns Risk, explaining how the timing of returns can significantly impact retirement savings. Karsten advocates for tailored withdrawal strategies and discusses the importance of a conservative bond allocation. He highlights practical tools for adjusting withdrawal rates and critiques common bucket strategies, emphasizing a gradual asset allocation shift to mitigate risks in retirement.