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#189: Learn to master retirement market risks and safe withdrawal rates with finance expert Karsten Jeske. We explore key strategies like the 4% rule, sequence of return risk, and delve into roles of taxes, annuities, inflation protection, portfolio allocation, and even the psychological aspects of retirement planning.\nKarsten Jeske is the founder of Early Retirement Now, a blog where he shares his expertise in retirement planning, safe withdrawal rates, and financial independence. He has a PhD in economics and is a Chartered Financial Analyst.\nLink to Full Show Notes: https://chrishutchins.com/how-to-retire-early-karsten-jeske\n\nPartner Deals\nMasterClass: Learn from the world's best with 15% off\nBilt Rewards:\xa0Earn the most valuable points when you pay rent\nDaffy: Free $25 to give to the charity of your choice\nDeleteMe: 20% off removing your personal info from the web\nFabric: Affordable term life insurance for you and your family\nFor all the deals, discounts and promo codes from our partners, go to:\xa0chrishutchins.com/deals\n\nResources Mentioned\nKarsten Jeske: Blog | X | LinkedIn\nSafe Withdrawal Rate Series\n\n\nPart 14 & Part 15: Sequence of Return Risk\n\n\nPart 28: Free DIY Withdrawal Rate Toolbox\n\n\n\nPart 35: Asset Location\n\n\nPart 43: Pre-Retirement Glidepaths\n\n\nPart 61: Safety First\n\nBlog Post: Stealth Frugality\nShiller CAPE Ratio\nAlpha Architect 1-3 Month Box ETF: BOXX\nBlog For Tax Optimization: Go Curry Cracker\nATH Podcast:\n\nEp #2: Financial Independence Without a Six Figure Salary with Brad Barrett\n\n\nEp #141: The Spectrum of Financial Independence and Tools to Track Your Progress with Brad Barrett\n\n\nFollow & Review on\xa0Apple Podcasts\n\n\n\nEmail us\xa0for questions, tips, deals and feedback\n\n\nFull Show Notes \n(00:00) Introduction\n(02:00) Should Everyone Retire Early?\n(05:09) The Rule of 4% as a Guideline\n(09:46) The Role of Longevity in the 4% Rule\n(12:46) Using Historical Data for Retirement Simulations\n(19:11) Sequence of Return Risk: What It Means & What to Do About It\n(23:51) Strategies to Mitigate the Sequence of Return Risk\n(30:41) The Flexibility of Safe Withdrawal Rates\n(37:49) How to Adjust Withdrawal Rates Based on Current Market Conditions\n(45:53) The Reverse Glide Path Strategy\n(49:30) The Impact of Inflation on Retirement Planning\n(57:03) Evaluating Annuities\n(59:40) Ways to Consider Tax Optimization Strategies\n(1:04:29) How to Think About Portfolio Allocation During Accumulation\n(1:12:25) The Role of International Diversification in Equity Allocation\n(1:16:57) Karsten's View on Tax Loss Harvesting\n(1:20:34) Asset Location\n(1:22:35) Is Adding Leverage to Your Equity Worth It?\n(1:26:41) Advice for Someone Early in the Accumulation Phase\n(1:28:27) Stealth Frugality\n(1:29:39) How Do People Spend During Retirement?\n\nConnect with Chris\nNewsletter | Membership | Twitter | Instagram | LinkedIn\n\nEditor\u2019s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.