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In this first Q&A podcast of 2025, Paul, Daryl, and Chris discuss several listener questions and expand on Paul's rebuttal of Big ERN's recent criticisms of diversifying with small-cap value. 0:00 – Introduction 0:29 – Responding to Big ERN's critique 2:11 – Small-cap value lumpsum vs. dollar-cost averaging 6:38 – Daryl's take on SCV's premium persistence 8:46 – Chris' take on SCV's premium persistence 15:50 – Paul highlights the random timing of SCV vs. S&P500 returns 19:50 -- Are there good alternatives to Vanguard's Wellesley fund? 26:18 -- Does 2 Funds for Life mean no SCV in retirement? 29:35 -- Why not let Buffet manage our money in BRK.B? 33:52 -- What portfolio to get a 3.6% safe withdrawal rate in retirement? 38:53 -- Which accounts do we tap for our annual spending needs? 49:39 -- Why doesn't the Portfolio Configurator include REITs and emerging markets? 54:52 -- When will the Best-in-Class ETF recommendations be updated? These tables were referenced- Table G-1b - Fine Tuning Table: S&P 500 vs US SCV Equity Portfolio - Out-Performance Tell-Tale_Charts 2 Funds for Life PDF 2 Funds for Life on Amazon
Karsten Jeske also known as “Big ERN” is the founder and genius behind Early Retirement Now. He writes on all topics related to personal finance but is best known for his comprehensive series on safe withdrawal strategies. In this episode he dives deep into the intricacies of safe withdrawal rates, sequence of return risk, the importance of market valuations for retirees and the 'one more year' syndrome often discussed in the Financial Independence community. Karsten also shares his personal journey from a modest upbringing in Germany to early retirement in the U.S.
#548: Economist Dr. Karsten Jeske talks with us about the current economic landscape. Karsten, who retired at 44, breaks down the Fed's recent decisions and how they might affect our finances. He explains how markets often anticipate interest rate changes before they happen. Karsten challenges traditional views on inflation and unemployment, telling us that textbook models don't always match reality. Karsten shares his personal investing experiences, covering both market highs and lows. He emphasizes the value of consistent investing regardless of market conditions. For those eyeing retirement, Karsten dives into safe withdrawal rates. He advises paying close attention to current market valuations when planning. On the topic of mortgages, he offers clear guidance on when refinancing makes sense. We also touch on economic history, discussing the Weimar Republic's hyperinflation. Karsten uses this to critique modern monetary theory, expressing skepticism about unrestricted money printing. Throughout our conversation, Karsten explains complex economic concepts in accessible terms. He draws on his background as both an academic and a Wall Street professional to provide well-rounded insights. Karsten, also known as Big ERN, is the author of EarlyRetirementNow.com, where he writes about safe withdrawal rates and personal finance while enjoying his retirement. For more information, visit the show notes at https://affordanything.com/episode548 Learn more about your ad choices. Visit podcastchoices.com/adchoices
Our guest in this episode is Dr. Karsten. He's the mind behind the Early Retirement Now blog. He completed a PhD in economics, worked for the Federal Reserve for a while and taught economics. He joined the research department of an investment manager and got a CFA designation. He spent 10 years there before punching out to live the FIRE lifestyle a few years ago. He spent the first few months out on a world tour, visiting 20 plus countries, then settled down in the Northwest with his family. Early Retirement Now is a popular FI blog primarily because of Karsten's rigorous academic approach. We explore health insurance and withdrawal rates and strategies for early retirees and get his take on some controversial areas of finance like options and leverage. Interested in retiring early? Check out How to Retire Early as a Doctor. https://www.whitecoatinvestor.com/how-to-retire-early/ Today's episode is brought to you by SoFi, helping medical professionals like us bank, borrow, and invest to achieve financial wellness. SoFi offers up to 4.6% APY on their savings accounts, as well as an investment platform, financial planning, and student loan refinancing…featuring an exclusive rate discount for med professionals and $100/month payments for residents. Check out all that SoFi offers at https://www.whitecoatinvestor.com/Sofi *Loans originated by SoFi Bank, N.A., NMLS 696891. Advisory services by SoFi Wealth LLC. The brokerage product is offered by SoFi Securities LLC, Member FINRA/SIPC. Investing comes with risk including risk of loss. Additional terms and conditions may apply. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Main Website: https://www.whitecoatinvestor.com YouTube: https://www.whitecoatinvestor.com/youtube Student Loan Advice: https://studentloanadvice.com Facebook: https://www.facebook.com/thewhitecoatinvestor Twitter: https://twitter.com/WCInvestor Instagram: https://www.instagram.com/thewhitecoatinvestor Subreddit: https://www.reddit.com/r/whitecoatinvestor Online Courses: https://whitecoatinvestor.teachable.com Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter
News: Emily will be vending at Not Your Mama's Craft Market in the Columbus metro area on 5/12 https://notyourmamascraftmarket.com/ Emily will be vending at Crafty Supermarket in Cincinnati on 5/18 https://craftysupermarket.com/ Emily will be vending at the World Oddities Expo in Nashville on 6/15 and Louisville on 6/22 https://www.woetothee.com/ FO: Lauren - Wicked Enchantress kerchief cowl designed by Kitty With A Cupcake https://www.ravelry.com/patterns/library/wicked-enchantress knit in handspun using Rapunzel Fiber Arts rolags in the Hag's Cauldron colorway which will be in Emily's booth for the Fiber Witch Festival WIPS: Emily - Northeasterly Blanket in Lantern Light Fellowship of the Rings Advent calendar mini skeins https://www.lanternlightyarn.com/ - Sock Arms Sweater https://www.tellybeanknits.com/sock-arms in Valkyrie Fibers Matte Sock, main color Lion and Garnet, Amenthyst, and Pearl for the sleeves - vanilla socks in Lang SuperSocks - hand painted birchwood Turkish Spindles from Snyder's for the Fiber Witch Festival Lauren - Ahsoka Shawl by Knit Graffiti knit in Valkyrie Fibers Lapis Lazuli and Narkina 5 colorways https://knitgraffiti.com/shop/ahsoka/ - a pair of Fan Warrior Mitts in The Senator (Riyo Chuchi inspired self striping colorway) https://www.ravelry.com/patterns/library/fan-warrior-mitts - Numbat Cowl by Norichan Knits https://www.ravelry.com/patterns/library/numbat-cowl in Junkyarn Dreamhouse sock blank https://www.junkyarn.com/ and OOAK eggplant yak base Valkyrie Fibers Acquisitions: Emily - lego piñata set as a treat for finishing getting their taxes done - Sample of the Hag's Cauldron rolags from Rapunzel Fiber Arts https://www.etsy.com/shop/RapunzelFiberArts - new stickers for the Fiber Witch Festival!!! Occult Corner: Lauren tells us about the modern folk deity of wildland firefighters: Big Ern Self Promotion: Emily's Pronoun Pals are now on her website and will be debuting some new sticky notes! Lauren has lots of new self striping Star Wars colorways in stock with a big update scheduled for May the Fourth We will both be showcasing pride themed items for pride month! https://valkyriefiberstahoe.etsy.com www.kittywithacupcake.com
Thank you Ernie (@FlyingWithBigErn) for having me on as a guest on your Podcast! Go check Ernie's channel out if you haven't already.
Inspired by the bowling greatness that is Bill Murray's Big Ern comb over, this Imperial Hazy IPA is thiccccccccccccccccccc.
Today we're chatting with Frank Vasquez! Frank is a mostly retired lawyer with over 30 years' experience in investing for his own accounts. He holds degrees in Economics and Engineering from the California Institute of Technology and a law degree from Georgetown University. He is extremely active in the Financial Independence community, answering questions of all types in forums and Facebook groups. He has appeared as a guest on the Choose FI, What's Up Next and Security Analysis podcasts, and run workshops at the EconoMe Conference. His involvement in FI topics and issues predates the FI Community as it is known today. He is the founder and host of Risk Parity Radio, a laboratory or dive bar devoted to asset allocations for the DIY investor and drawdown portfolios. Connect with Us: @catchinguptofi Buy us a coffee Resources mentioned on the show: Interview Notes for Frank Vasquez What's Up Next Podcast Security Analysis Podcast FinCon Risk Parity Radio Histories of the FIRE Community Early Retirement Extreme With Jacob Lund Fisker Retirement Planning Education with Andy Panko What is a Drawdown? Retirement and IRA Show Dave Ramsey Catching Up to FI Episode 022 with Jordan Grumet Open Social Security Bill Bengen's 4% Rule Liz Ann Sonders With Charles Schwab Cashing in on the American Dream: How to Retire at 35 by Paul Terhorst Catching Up to FI Episode 033 with Allan Roth Morningstar Portfolio Manager A Wealth of Common Sense Blog with Ben Carlson Risk Parity Radio Episode 289 Big Ern's Safe Withdrawal Rate Series The Little Book of Common Sense Investing by John Bogle Walk4McKenna Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.
Indoor Growers Roundtable: What makes a good grow? ft. Spindle, Local & Big Ern S09 E09Check out our STRAIN DATABASE aka CODEX: https://codex.thebreederssyndicate.com/ Join this channel to get access to perks:https://www.youtube.com/channel/UCp9mauDnr-JxOiG_ek4BWag/join Or check out our Patreon here: https://www.patreon.com/breederssyndicate OUR MERCH STORE IS LIVE!!!! BREEDERS SYNDICATE LINKS:https://linktr.ee/riotseedsBREEDERS SYNDICATE MERCH! -https://www.syndicategear.comBreeders Syndicate website:http://www.breederpodcast.comIntro / Outro countresy of Sight of Wonders / Approaching the Middle East / courtesy of www.epidemicsound.com
Avination, what is going on and welcome back to the Pilot to Pilot podcast. Todays episode is with Ernie from Flywithbigern on IG. I love talking with Ernie and hearing his story and how he had to work hard at achieving his dream to become a SouthWest pilot!
On board the pod today is Karsten from Early Retirement Now. Sometimes he's affectionately referred to as Big Ern due to his massive 6'6" stature, but Ern isn't just any old blogger. He's originally from Germany, and he moved to the USA as an exchange student where he stayed after graduating to proceed on his finance career. He has a PhD in economics and has dozens of journal articles published in prestigious academic journals. Karsten has worked at the Federal Reserve Bank of Atlanta, the Bank of New York Mellon Asset Management and holds a prestigious title as a chartered financial analyst. He is also a university lecturer where he teaches both undergraduate and PhD level economics. His blog, Early Retirement Now is a wealth of information and goes into some incredible details about the numbers behind investment and retirement. Big Ern is a family man and he and his family have enjoyed travelling around the world since he FIRE'd in 2018. Jump on board! There's a lot that can be learned from Big Ern!
The Best of Brian McGrattan from Missin Curfew Ep 29Recorded on February 10th, 2021Where did the nickname Big Ern come from?43 Fights in one season in the AHLHands on the knees before fightingHoridchuk should have let the Big Ern sleep Canucks Flames Line BrawlSean Monahan and Tkachuk as RookiesThe Bus Rides in San Deigo with OBFighting his idol Tie DomiThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4534761/advertisement
On this episode of Between Two Wings we talk with Ernie Meeks, creator of the Flying with Big Ern YouTube channel. Ernie is a Captain at Southwest Airlines and regularly […] The post Between Two Wings with Ernie Meeks – “Flying with Big Ern” appeared first on ForeFlight Blog.
Well folks, this is it. THE very last call of the podcast. In this episode we have Evan Christie from Brisgeview Liquors, Evan ???, Dan Berry from Covert Artisan Ales, John Jorgenson from Fargo Underground, Big Ern and Chris. We drink a lot of really expensive and hard to find whiskeys on this one, along with 2 brews from Covert. May your glasses be forever full, and your spirits the highest they can go! Cheers! --- Send in a voice message: https://anchor.fm/brews-booze-and-reviews/message Support this podcast: https://anchor.fm/brews-booze-and-reviews/support
All four guys are in the house tonight for some Roy Munson vs. Big Ern. Where does Kingpin rank in the Farrelly brother filmography? Is Bill Murray one of the greatest sports movie villains ever? Enjoy listening to some friendly banter on this classic from the 90's.
In this episode we answer an email from Daniel, who asks a follow-up question to episode 209 about CAPE ratios and Big ERN's blog. We then recount a Zoom chat and email exchanges between the host and Karsten Jeske about that topic and related ones and an analysis of a sample risk-parity style portfolio using the Early Retirement Now SWR Toolbox. It's similar to "Celebrity Deathmatch" in entertainment value.We also talk briefly about Risk Parity Chronicles, The upcoming EconoMe Conference with Diania Merriam and the upcoming event at the Father McKenna Center.Links ("the best links, the best"):Father McKenna Center Lessons and Carols Event Link: Lessons and Carols - Father McKenna CenterRisk Parity Chronicles: Risk Parity ChroniclesEconoMe Conference: EconoMe Conference - March 17th-19th, 2023Early Retirement Now SWR Toolbox: An Updated Google Sheet DIY Withdrawal Rate Toolbox (SWR Series Part 28) – Early Retirement NowSafe Withdrawal Series Part 34: Using Gold as a Hedge against Sequence Risk – SWR Series Part 34 – Early Retirement NowKitces CAPE Ratio Article 2014: Shiller PE: Bad Market Timing, Good Retirement Planning (kitces.com)Kitces CAPE Ratio Article 2016: Reducing Retirement Return Assumptions For High Valuation? (kitces.com)Kitces Critique of November 2021 Morningstar Forecasts Report: Can Morningstar's Withdrawal Rate Report Refute The 4% Rule? (kitces.com)Morningstar 2011 Article About Predicting the Next Decade (classic misuse of P/E ratios): Your Forecasts for Stock and Bond Returns | MorningstarEarly Retirement Now Small-Cap and Value Blogpost: My thoughts on Small-Cap and Value Stocks – Early Retirement NowEarly Retirement Now Options Strategy Blogpost: Passive income through option writing: Part 8 – A 2021 Update – Early Retirement NowThe Market Huddle Podcast re Bloomberg Analysis: To Survive Disasters, You Need Smiles (guest: Steve Hou) - Market Huddle Ep.201 - YouTubeBloomberg Presentation: MH201-SteveHou-Bloomberg.pdf (markethuddle.com)Support the show
Follow Karsten on Twitter @ErnRetireNow Read the Early Retirement Now blog at : https://earlyretirementnow.com/ Read about Safe Withdrawal Rates at: https://earlyretirementnow.com/safe-withdrawal-rate-series/ The Trade Busters provides actionable ideas to take your option trading to the next level. Through our educational podcast and YouTube channel, we aim to empower the everyday retail trader. Discover unique ways of thinking through sizing, risk and leverage in your option strategies. -View strategy mechanics, tradelogs and more at the trading page: https://www.thetradebusters.com -Follow me on Twitter @TheTradeBuster -The Trade Busters Discord server is now live! Send me an email if you would like to join. **Everything discussed on this podcast is for informational purposes only and not to be construed as financial advice.
Big Ern and Nox stop out to one of the smallest towns we've ever been to, Ayr ND, to chat with Dan Heising about Cottonwood Cider House! We discuss how some of the ciders were made, experimentation with ingredients, and the humble beginnings of the Cider House! In this episode we sample and discuss their Post Apple, Honey Cider, Pear of the North, Strawberry Rhubarb, CBB (chamomile and blueberry), and their Hops & Berry (blackberry with cascade and azacca). Thanks to https://fargounderground.com/ and https://www.bridgeviewliquors.com/ for supporting the show. If you have any questions, comments, or suggestions for future episodes, please feel free to e-mail us at info@brewsboozeandreviews.com. If you like this podcast, share us with a friend. If you would like to support our show, you can do so by heading to https://www.patreon.com/brewsboozeandreviews For more information, or to listen to our back catalogue of episodes, head over to https://brewsboozeandreviews.com/ On behalf of everyone at Brews, Booze, & Reviews, may your glasses be full, and your spirits high! Cheers! --- Send in a voice message: https://anchor.fm/brews-booze-and-reviews/message
Tim and Parker are joined by their favorite Canadian and Toy Queen, Big Ern aka Erin Jardine! Join in on the conversation as the trio discuss all things The Walking Dead. Plus, Big Ern takes on Tim in a TWD […]
What would you do if you ran out of money in retirement? It's hard to imagine a scarier outcome, and yet many on the FIRE path may be at risk for this if they get their portfolio withdrawal rate wrong. In this episode, Eric + Jason talk with Karsten Jeske, the creator of the Early Retirement Now blog. Known by many as "Big ERN", he is an economist who is well known to the FIRE community for his extensive work in characterizing safe withdrawal rates (SWR). In this episode, we dig into Karsten's free, powerful SWR Toolbox, and discuss topics including the downsides of FIRE calculators, 100% stock portfolios, the bucket strategy, why dividend investors are wrong, and his own post-FIRE life. If you're interested in FIRE, you can't afford to miss this information-packed episode! Show notes: https://twosidesoffi.com/swr
We had the pleasure of sitting down with the one and only Big Ern! As many of you know, Ernie is a current Southwest Pilot and recruiter for the airline whose love for aviation runs deep! You may know him from his increasingly popular YouTube channel "FlyingwithBigErn" where he takes viewers through the day-to-day operations of an airline pilot, workout regimen, and occasional GA action in his gorgeous Cirrus SR22 G6, "The Green Hornet". Ernie dropped a ton of knowledge for us and our viewers, especially the need to have continued awareness and support for those battling mental health issues, pilots in particular. As always, feel free to leave us feedback, much appreciated! https://www.closedtrafficpodcast.com/post/big-ern-joins-the-closed-traffic-podcast --- Send in a voice message: https://podcasters.spotify.com/pod/show/closedtraffic/message
My voice is supposed to be heard! Listen in as I butcher the Beatles! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/joe-blanche/message Support this podcast: https://anchor.fm/joe-blanche/support
So, you want to travel? Join us as we hat with "the wandering DJ", Ernesto "Big Ern" Lara, Jr Ernesto Lara Jr (aka. Big Ern) is the owner of Big Ern Productions and Big Ern Energy. He runs a hybrid mobile entertainment production business that provides talent and staging for all types of events across the country. Having been in the entertainment industry since 2000. He began his journey in music as a substitute karaoke host at a Washington State venue. He immediately fell in love with creating a fun atmosphere for everyone to enjoy. Over the next 10 years he continued to work a primary job and host karaoke/DJ. He then transitioned to only DJing and hosting karaoke as a career. Today, he specializes in DJing weddings, corporate events, bars, private & public events, charities, fundraisers, and school events for all occasions. Spreading joy and happiness is his passion. Topics of Discussion: - Pros and Cons of being a traveling wedding and event vendor - Tips on how to get started providing your services to destination events - Sneak Peek at what Big Ern has coming up in 2022 and beyond --------------------------------- Don't forget to grab your All-Access Pass or Wedding Pro Power Pack to the Wedding Business CEO Summit today at https://weddingbusinessgrowth.com/summit --- Send in a voice message: https://anchor.fm/weddingbusinessgrowth/message
So, you want to travel? Join us as we hat with "the wandering DJ", Ernesto "Big Ern" Lara, Jr Ernesto Lara Jr (aka. Big Ern) is the owner of Big Ern Productions and Big Ern Energy. He runs a hybrid mobile entertainment production business that provides talent and staging for all types of events across the country. Having been in the entertainment industry since 2000. He began his journey in music as a substitute karaoke host at a Washington State venue. He immediately fell in love with creating a fun atmosphere for everyone to enjoy. Over the next 10 years he continued to work a primary job and host karaoke/DJ. He then transitioned to only DJing and hosting karaoke as a career. Today, he specializes in DJing weddings, corporate events, bars, private & public events, charities, fundraisers, and school events for all occasions. Spreading joy and happiness is his passion. Topics of Discussion: - Pros and Cons of being a traveling wedding and event vendor - Tips on how to get started providing your services to destination events - Sneak Peek at what Big Ern has coming up in 2022 and beyond --------------------------------- Don't forget to grab your All-Access Pass or Wedding Pro Power Pack to the Wedding Business CEO Summit today at https://weddingbusinessgrowth.com/summit --- Send in a voice message: https://anchor.fm/weddingbusinessgrowth/message
Welcome back, neighbors, as we up the pucker factor in today's show! We invite comedians J.P. Martin and Nathan Roe to the show, along with Carly Stark, to make up for the fact that Big Ern is on vacation on the Monster's of Rock Cruise. Trust us when we say that there are PLENTY of dad jokes on this one! In this episode we rate and review Lynnbrook from Destihl Brewing's Wild Sour Series, Toppling Goliath's Strawberry Shortcake Fandango kettle sour, Drekker Brewing's Mango and Marshmallow Chonk Sundae Sour, Primtemps Wild Ale fermented and conditioned in red wine barrels and dry hopped with Nelson Sauvin hops and the Vegas Dark Wild Ale aged in Tawny port barrels from Covert Artisan Ales, the Melodious
o, you want to travel? Join us as we hat with "the wandering DJ", Ernesto "Big Ern" Lara, Jr Ernesto Lara Jr (aka. Big Ern) is the owner of Big Ern Productions and Big Ern Energy. He runs a hybrid mobile entertainment production business that provides talent and staging for all types of events across the country. Having been in the entertainment industry since 2000. He began his journey in music as a substitute karaoke host at a Washington State venue. He immediately fell in love with creating a fun atmosphere for everyone to enjoy. Over the next 10 years he continued to work a primary job and host karaoke/DJ. He then transitioned to only DJing and hosting karaoke as a career. Today, he specializes in DJing weddings, corporate events, bars, private & public events, charities, fundraisers, and school events for all occasions. Spreading joy and happiness is his passion. Topics of Discussion: - Pros and Cons of being a traveling wedding and event vendor - Tips on how to get started providing your services to destination events - Sneak Peek at what Big Ern has coming up in 2022 and beyond --------------------------------- Don't forget to grab your All-Access Pass or Wedding Pro Power Pack to the Wedding Business CEO Summit today at https://weddingbusinessgrowth.com/summit --- Send in a voice message: https://anchor.fm/weddingbusinessgrowth/message
Ghostbusters, Caddyshack, Stripes, Meatballs, every Wes Anderson movie ever, Groundhog Day, Garfield…. and now at last, the GOAT adds a comic book movie to that illustrious IMDB. Big Ern is finally above the law! AAWA Jon breaks down Miracleman's addition to the Marvel Comics roster, while Charlie talks Book of Boba Fett's: episode 2 influences! “Big things have small beginnings…”
#85: Recently I've really started to notice the impact of inflation on daily spending. Have you?At first, it was just 1-2 things. Then it was a handful. Now it seems like everything is noticeably more expensive. (Assuming it's even in stock in the first place.)Gas. Groceries. Takeout. Toiletries. Utilities. Car maintenance. Healthcare/supplies. Pre-school. Appliances.Everything seems to cost more and you just can't buy as much with the same budget anymore.This got me wondering about how recent macroeconomic changes over the last 6 months might impact retirement safe withdrawal rates and asset allocations.The macro changes I'm referring to are: Inflation at a 40-year high. Stock valuations doubling since their pandemic lows. Interest rates that are scheduled to increase a minimum of 3 times this year.In these times, what should investors and retirees be doing to defend their portfolio values and retirement security?This week, I asked my friend Karsten Jeske (aka “Big ERN”) to help us make sense of all that is going on right now in terms of macro trends…and what it all means for safe withdrawal rates and asset allocation. We had a wide-ranging, nearly 2-hour(!) discussion full of insights and tips that you won't want to miss.We discuss:Major recent macroeconomic changes that (early) retirees may want to factor into their retirement planningWhat new safe withdrawal rate % retirees should consider right nowWhether investors should potentially update their asset allocation given current macro trendsWhether he believes asset prices are overvalued right nowAlternative assets (like cryptocurrencies) and their merits / concernsHow much cash he believes is advisable to hold right nowDo you plan to make changes to your asset allocation or safe withdrawal rate in light of recent macroeconomic changes? Let me know by leaving a comment!Don't miss an episode, hit that subscribe button...If you liked this episode, subscribe so you don't miss any upcoming episodes!Apple PodcastsOvercastSpotifyI need your help, please leave a listener review :)If you liked this episode, would you leave a quick review on Apple Podcasts? It'd mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:Karsten's Safe Withdrawal Rate SeriesKarsten's Google Sheet DIY Withdrawal Rate ToolboxKarsten's post on Preferred StocksThe shockingly un-simple math behind safe withdrawal rates (HYW035)How to use a bond tent to reduce sequence of returns risk (HYW068)Does the “yield shield” protect against sequence risk? (HYW069)Is rental real estate a safer type of “yield shield”? (HYW070)Schedule a 1:1 consult with meHYW Facebook community Intro/Outro: Old Bossa by Twin Musicom.
Our Top Ten Favorite Films Lists continue to evolve as Keith adds the 1996 Farrelly Bros. comedy "Kingpin" to the number five slot. The film fell right between "Dumb & Dumber" and "There's Something About Mary" during the Farrelly Bros. amazing 1990's run, but do you regard it as a classic? Keith certainly does. In this episode, Keith and Ev review Kingpin and discuss how the film is remembered, why the high stakes of the film matter so much to the comedy, and Ev attempts to convince Keith that Randy Quaid is miscast. Also, we worship at the altar of Bill Murray as Big Ern' McCracken. The film stars Woody Harrelson, Randy Quaid, Vanessa Angel, and Bill Murray. Who wants to go bowling!? To watch more movie reviews and film discussions like this Kingpin review, please consider subscribing to our youtube channel! #Farrellybrothers #Kingpinreview #BillMurray #RandyQuaid #WoodyHarrelson #1996
In this episode we answer emails from Keith, Jeffrey, Evan, Brendan, Kelly and Paul. We address Kelly Criterion and other risk/reward considerations (Sharpe and Sortino ratios), crystal balls, the "Possibility Effect" cognitive bias and a base-rate analysis of the Golden Butterfly portfolio, issues with IVOL, trading ETFs at Vanguard, the perpetual withdrawal rate, expense ratios and bucket strategies, basic retirement considerations, issues with QYLD and an examination of Big Ern's leveraged retirement portfolios.It's another barn burner! Real Wrath of God type stuff!Links:Kelly Criterion article: Leverage and The Line Between Aggressive and Crazy (rhsfinancial.com)Golden Butterfly analysis with Heat Map: Golden Butterfly – Portfolio ChartsEpisode 89 re QYLD: Podcast Episode 89 | Risk Parity RadioBig Ern Article Re Leveraged Portfolios: Lower risk through leverage – Early Retirement NowBig Ern Article Re Gold In Portfolios: Using Gold as a Hedge against Sequence Risk – SWR Series Part 34 – Early Retirement NowEpisode 40 Re Gold: Podcast Episode 40 | Risk Parity RadioPortfolio Analysis Comparison Of Big Ern Leveraged Portfolio With And Without Gold: Backtest Portfolio Asset Allocation (portfoliovisualizer.com)The SWAN ETF: SWAN - BlackSwan Growth & Treasury Core ETF - Amplify ETFs
Being as the BBR crew are from the Midwest, it should come as no surprise our love for things wheat. In today's episode we get down in the dirt and drink some fantastic wheat beers while having a gaggle of guests in studio! Comedian John Narum, artist Beau Fraase, and healthcare professional Erica Raguse sit down with Nox and Big Ern to sample and review three from Blue Moon: Belgian White, Honey Daze, and Mango Wheat, Bell's Oberon, DCR Brewing's Cloverfield, Schell's LoCal Twist, Lupulin's Hen Pecks, and Swing Barrel's Chuck Wild Berrry Wheat Ale. Thanks to https://fargounderground.com/ and https://www.bridgeviewliquors.com/ for supporting the show. If you have any questions, comments, or suggestions for future episodes, please feel free to e-mail us at info@brewsboozeandreviews.com. If you like this podcast, share us with a friend. If you would like to support our show, you can do so by heading to https://www.patreon.com/brewsboozeandreviews For more information, or to listen to our back catalogue of episodes, head over to https://brewsboozeandreviews.com/ On behalf of everyone at Brews, Booze, & Reviews, may your glasses be full, and your spirits high! Cheers! --- Send in a voice message: https://anchor.fm/brews-booze-and-reviews/message
Film critic and comedian Bryan Miller joins Cory to look back at Big Ern from Kingpin on that film's 25th anniversary and share their top 3 lists of comedy villains from the movies. See omnystudio.com/listener for privacy information.
Big ERN (a.k.a. Karsten) from "Early Retirement Now" makes his return to the podcast in this week's episode! With Brad and Jonathan, Big ERN gives us the lowdown on what inflation is, the role inflation plays in the world economy, and the effect inflation can have on a variety of investments! Resources Mentioned In Today's Conversation Start Your Journey to FI Here Want to start your own journey to Financial Independence? Sign up for the free 5-Day FI Challenge here!
In this episode we answer emails from JB, Brian E, Beat, Lauren, PD and Brad about a TSP conundrum, data for back-testing, the Dragon Portfolio, bowing to your sensei, maximizing withdrawals and using risk parity-style portfolios for intermediate goals. Then we proceed with our weekly portfolio reviews of the sample portfolios you can find at Portfolios Page| Risk Parity RadioAdditional links:Big Ern's Google Data Sheet: EarlyRetirementNow SWR Toolbox v2.0 - save your own copy before editing! - Google SheetsDFA Matrix Book (2016): DFA-matrix_book_us_2016.pdf (millswealthadvisors.com)Meb Faber podcast with Chris Cole: Episode #317: Chris Cole, Artemis Capital Management, “You Want To Diversify Based On How Assets Perform In Different Market Regimes” | Meb Faber Research - Stock Market and Investing BlogPortfolio Charts Retirement Spending Calculator: RETIREMENT SPENDING – Portfolio Charts
In this episode Big Ern and Nox welcome back local comedians John Narum and Nathan Roe, as well as newcomer to the podcast Paula Kosienski to hang out and have some tasty adult beverages! Today we sample and review Atypical Brewing's Cide Quest hard cider, Drekker's Plop hefty fruited hard seltzer, DCR Brewing's Gear Pineapple and Jalepeno Sour, Prairie Rose Meadery's Blueberry Mead, Eagle Park Brewing's BOTM'S Up Milkshake IPA along with their The Dual Needler NEIPA, and ending with 50/50 Brewing's Totality Imperial Stout. Thanks to https://fargounderground.com/ and https://www.bridgeviewliquors.com/ for supporting the show. If you have any questions, comments, or suggestions for future episodes, please feel free to e-mail us at info@brewsboozeandreviews.com. If you like this podcast, share us with a friend. If you would like to support our show, you can do so by heading to https://www.patreon.com/brewsboozeandreviews For more information, or to listen to our back catalogue of episodes, head over to https://brewsboozeandreviews.com/ On behalf of everyone at Brews, Booze, & Reviews, may your glasses be full, and your spirits high! Cheers! --- Send in a voice message: https://anchor.fm/brews-booze-and-reviews/message Support this podcast: https://anchor.fm/brews-booze-and-reviews/support
Big Ern welcomes Jon Absey to Playground Studios to chat about his NBA mascot career, the US Army and Bull Piss. Big Ern also talks about Coach K, Triple Homicides and more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
In this episode we answer emails from Melissa, Nick, Don, Matt H (x2), Andrew (x2) and Keith. We dive into short-term correlations, agreements with Big Ern on ultra-conservative portfolios, Fractal vs Gaussian mathematics (oh, boy!), taunting Wealthfront a second time, and I-bonds preview, leveraged etf portfolios, VBR vs. VIOV, M1 pies, what's going on with Gamestop in VIOV and the Fama-French Three-Factor Model. Are you ready for this?Links:Sample Portfolios Page: Portfolios | Risk Parity RadioRational Reminder Podcast #151: The Rational Reminder Podcast: Professor Brad Cornell: A Skeptic’s Look at the Cross Section of Expected Returns (EP.151) (libsyn.com)Optimized Portfolios Site: Leverage | Optimized PortfolioMethodologies for S&P Style Factors and Funds: S&P Methodologies PaperIntro to Fama-French Three-Factor Model: Fama and French Three Factor Model (investopedia.com)
today we're with ernesto and we ask why football coaches look like eggs and why edp looks like a football coach. also sorry for the hiatus life is kinda busy and stuff. hope you enjoy jeremiah's channel: https://www.youtube.com/channel/UCqDXPDw2-cDn9nNIKUgOeOQ chris' channel: https://www.youtube.com/channel/UCIzDgwybYe9ghPkddmm4JeQ ern's channel: https://www.youtube.com/channel/UCMdvWeu4E5BRCzv64mKJWCg if you wanna start a podcast for free go to Anchor.fm
Big Ern welcomes Covid Survivor Lisa Floros who has been to hell in back in losing her husband to Covid. We also touch on Bloody Ceiling Fans, exploding vagina candles and more. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Since it's Big Ern's 50th birthday this year, we couldn't let him go another day without leading his very own show with whatever topic he wanted to do. If you listen back to episode #1 he says how much he loves Sam Adams beers, so he wanted to showcase some of the other beers they make and distribute in variety packs for easy accessibility. Ol' guest #2 Ben Revier and Sam Corr from DCR Brewing join us on the show as we sample and review the Lawn Chair Lager, the Alpine Lager, the Golden Ale, the Summer Ale, the Cold Snap White Ale, and the Beach Session IPA. After we drink those down, we surprise Big Ern with a bottle of 2019 Utopias! Such an interesting beer, and we can't wait to tell you about it! Thanks to https://fargounderground.com/ and https://www.bridgeviewliquors.com/ for supporting the show. If you have any questions, comments, or suggestions for future episodes, please feel free to e-mail us at info@brewsboozeandreviews.com. If you like this podcast, share us with a friend. If you would like to support our show, you can do so by clicking on the support link at the bottom of this episode description, or by heading to https://www.patreon.com/brewsboozeandreviews For more information, or to listen to our back catalogue of episodes, head over to https://brewsboozeandreviews.com/ On behalf of everyone at Brews, Booze, & Reviews, may your glasses be full, and your spirits high! Cheers! --- Send in a voice message: https://anchor.fm/brews-booze-and-reviews/message Support this podcast: https://anchor.fm/brews-booze-and-reviews/support
In the second episode in the series of taking the show live online via the Stereo app, listeners ask questions and interact during a replay of this live podcast from Tuesday evening. Experimenting with this new show format, Brad and Jonathan are adding to their talents stack and themselves getting better through the often mentioned concept of the aggregation of marginal gains. Unfortunately, just because you make progress in an area, it doesn’t always mean you hold on to those gains. While your finances can be put on autopilot, physical and mental health are areas prone to backsliding. Take a little time for self-care. While reaching financial independence isn’t as simple as packing your lunch every day, it can be symbolic of the transformation to a mindset to take care of all the small things. It’s that effort, in the aggregate, that gives you the space to increase your savings rate, optimize investments, and earn market gains. Brad has been trying to apply the concept to his health, which has also required that he overcome several limiting beliefs. All of the changes he’s been making are small, like stretching, doing pushups, or yoga in the evening while watching TV with his family. And after hearing about how important vitamin D is to metabolic health, he tested his levels and found out they were dangerously low. In his attempt to live a more examined life, Brad has noticed certain foods lead to inflammation, and that his energy level fluctuates with the seasons. Likewise, Jonathan has been examining his use of caffeine and trying to decide if he is better off with it or without it. He would prefer to have a natural, steady energy state. He’s noticed that by decreasing processed sugars, he has more energy and wakes up fresher. Brad has been using a 10-minute nidra yoga YouTube video as a guided sleep meditation and says it’s like getting a two-hour nap. Listener Jackie left a voicemail asking about taking a little risk by putting emergency funds into the bond market. Jonathan says there’s no one answer, but he thinks we need to look at what we’re protecting ourselves against and the opportunity cost that comes with having a lot of money on hand to handle emergencies. Most of us will benefit from having $1,000 in the bank to start, and then moving to one or two months of expenses in cash. As your net worth grows, Jonathan would prefer to have the money in a fully-funded emergency fund grow. Since recording episode 066 with Big ERN, Brad has been trying to come up with a true financial emergency scenario. He’s been unable to think of a scenario when he might need cash in a hurry that couldn’t be covered immediately with a credit card. In a true emergency, he has invested assets he could sell and transfer to his checking account to then pay the credit card bill. When you keep an emergency fund in a savings account, the opportunity costs are the potential gains that could have been made by having those funds invested. Jonathan keeps a couple of months of cash flow. In addition to retirement investments, he also has a taxable brokerage account with M1 Finance. His investment pies in M1 have been allocated for different timelines. For his shorter timeline fund, he thinks about it more like a retiree would and wants it stable. Therefore, he keeps it in a fund that is negatively correlated to the stock market, such as bonds and precious metals. For emergencies, one of the benefits of M1 Borrow is access to a low-interest margin loan against your invested non-retirement assets. The second listener voicemail asks about the ability to convert and access 401K investments after a five-year waiting period for someone who retires early. Brad believes the listener has a Roth 401K, in which contributions are made with after-tax dollars and may be withdrawn tax-free. The five-year waiting requirement applies to Roth IRA Conversion where traditional 401K contributions are converted to a Roth IRA and it is a taxable event. When rolling over money from a Roth 401K to a Roth IRA, it is not taxable and there’s no wait to access contributions. At 59 and a half, all of the money may be accessed penalty-free. A listener in the Netherlands wanted to know if Brad and Jonathan would consider having a guest from another country on the podcast. Since the FI movement is worldwide, ChooseFI has listeners from all over. Exploring non-American guests is definitely something to be examined for general FI topics, as it would be difficult to speak about other countries’ tax codes. The ChooseFI local groups in international locations would be a great option and resource. Listener Gavin asks about how best to decide post-FI plans. Jonathan stresses that FI is a number and not an action. It does not mean you have to leave your job. FI gives you options, time, and resources and allows you to explore what you want to do with those. Having some space financially allows you to make choices from a position of power. You can make small-scale tests before wholesale life choices. The money is the easy part. Figuring out what lights you up is the difficult part. Listener Natalie has connected with the idea of maximizing her savings but is sitting a significant amount of cash while she decides between renting and buying. She wants to know how easy it is to put money in the market if she might need it in three to five years. Of the big traditional brokerages, Jonathan thinks Fidelity is the easiest to learn from a user interface perspective. Of the software-based institutions, he likes M1. Brad says from purely a conceptual-level, it’s easy to get money in and out of the market as they aren’t subject to the same rules retirement accounts are. However, it’s good to note that the stock markets have business hours and may be closed when you want to make a transaction and that some companies like M1 limit when transactions can take place. In live feedback of the 401K discussion, a listener pointed out that there is a phantom five-year clock on in-plan Roth conversions. Marjorie left a voicemail that she is trying to get her family back in Puerto Rico on board and is looking for Spanish language FI resources. Jonathan has been helping Lorena start a Spanish language personal finance podcast, De Peso a Peso. Resources Mentioned In Today’s Conversation Join the live show Tuesdays at 7:30 pm Eastern! The Tim Ferris Show The Peter Attia Drive Podcast Ulta Lab Tests The Huberman Lap Podcast Yoga Nidra ChooseFI Episode 066 The Emergency Fund…Is it a Bad Idea? with Big ERN ChooseFI Episode 194 The Role of Bonds in a Portfolio Risk Parity Radio ChooseFI Episode 292 The Complexity in Simplicity at M1 | Brian Barnes M1 Finance Review: Completely Free Automated Investing ChooseFI Episode 289 The Roth 401K and Meal Planning Made Easy Find your local ChooseFI group. ChooseFI Episode 049 Alan Donegan and The Escape Artist | The Aggregation of Marginal Gains ChooseFI Episode 117 Making the Case for Part-Time with Bradley Rice ChooseFI Episode 047 The Cult of Home Ownership and Crushing Geo-Arbitrage | Millienial Revolution De Peso a Peso Podcast ChooseFI.com/network Join Jonathan’s free podcast course at Talent Stacker. If You Want To Support ChooseFI: Earn $1,000 in cashback with ChooseFI’s 3-card credit card strategy. Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.
Hear from Ernesto Lara, of Big Ern Productions. "Ernesto Lara Jr aka “Big Ern” has been in the entertainment industry since 2000. He began his journey in music as a substitute karaoke host at a Washington State venue. He immediately fell in love with creating a fun atmosphere for everyone to enjoy. Over the next 10 years he continued to work a primary job and host karaoke/DJ. He then transitioned to only DJing and hosting karaoke as a career. Today, he specializes in DJing weddings, corporate events, bars, private & public events, charities, fundraisers, and school events for all occasions. Spreading joy and happiness is his passion.".www.bestmadevideos.com/podcasts.www.bestmadeweddingvideos.comwww.bigernproductions.com
It's ChooseFI's first live radio show! Recorded live on Tuesdays at 7:30 pm Eastern using an app called Stereo, the live shows will be replayed for the Friday Roundup episode. The topic of this interactive live show is: “What is stopping you from reaching financial independence?”. Lorraine has a question about allocation and investing in one of Vanguard’s funds like VTI or VTSAX but the answer is situation-dependent. It’s important o know the investing timeline Lorraine is looking at, but hopefully, it’s investing for the long-term. Investing for the long-term provides for the highest likelihood of success. However, it’s money needed for something critical like an emergency fund, maybe consider keeping what you need in a savings account and investing the rest. Other factors to consider are risk tolerance, net worth, job security, and whether you have an emergency fund. How sacred you were in March is a good indicator of your risk tolerance. The right allocation will allow you to sleep at night, be confident in your plan, and stay the course. The best thing to do is take action and get invested without getting hung up on the details. Keeping your expenses low with low-cost broad-based index funds, like total stock market or S&P 500 index funds, make a significant difference over your investing lifetime. Getting to the point where you can make work optional can often seem like luck. However, the FI community believes we have the power to impact change in our lives and in our communities. Taking small actions to optimize and seeing that you can still live a life without a feeling of deprivation becomes a motivating positive feedback loop. No matter how much you earn, the message of FI can be valuable. If you are living paycheck-to-paycheck, it doesn’t matter how much you earn. You need some amount of gap between what you earn and what you spend. Growing the gap by cutting expenses is usually the most effective place to start, but you can widen the gap by earning more as well. It doesn’t mean going back to school or taking on a second job delivering pizzas. One way to increase your income is by negotiating your salary. If you research the highest paying professions, the search leads to a list of six-figure careers, however, the return on investment in these career paths is not what it seems. They may require a significant number of years in school and the student loan debt that goes along with it. Today it’s possible to skip a degree program in favor of a certificate program and land a high-paying job in less time and at less expense. Matthew has been listening to the show for about six months. One question he’s had is how people are retiring early when you cannot withdraw from retirement accounts without a penalty until you reach the age of 59.5. There are strategies for investing in retirement accounts where it goes in tax-free, grows tax-free, and is withdrawn tax-free ahead of the traditional retirement age. Investing in something like a traditional 401K account lowers your taxable income and gives you a current tax deduction. Once you reach FI and decide to not work anymore and are living off savings, you are earning $0. You can at that time pull take money from your 401k and convert it into a Roth IRA, an after-tax account, in a process known as a Roth IRA Conversion Ladder. The conversion is a taxable event, however, your earned income is $0 so the only amount subject to tax is what you convert. Even then, the total amount won’t be taxed. You can still take the standard deduction and only be taxed on the remainder at the lowest possible marginal tax rate. The account will then grow tax-free. Another method to access 401K retirement funds a few years earlier is with Rule of 55. One listener wants to know what other podcasters or influencers Brad and Jonathan follow. Brad’s long-time favorite is The Tim Ferris Show, Dr. Peter Attia’s The Drive, and Naval. Jonathan’s podcast listening tends to be focused on what will help build his talent stack. On YouTube, he likes Real Coffee with Scott Adams. The book by Scott Adams, How to Fail at Almost Everything and Still Win Big, had helped Jonathan change his mindset. He went from fearing failure, to understanding there is a process and failure is completely fine. Brad thinks the best podcast that exists is Armchair Expert with Dax Shepard. Listener Josh left a voicemail saying the episode featuring the Millionaire Educator and the mentality of keeping money on your side of the ledger was one of the most impactful shows for him. The Millionaire Educator learned the rules and used them to his advantage to reduce his tax rate to zero. When the question of dream podcast guests came up, Jonathan says he’s going to reach out to Scott Adams, while Brad’s dream guest would be Mark Cuban for his open-minded and entrepreneurial spirit. Send in your ideas for who you’d like to hear on the show. The next voicemail asked when is the best to move from 100% equities to bonds if you are about halfway to FI. Jonathan projects he’ll be at FI within 10 years and currently doesn’t have anything in bonds. He thinks he would make the move to become more conservative once he has a clear exit date in mind, such as within five years. The conventional split is 60% stocks and 40% bonds, but it should match your risk tolerance. Brad mentioned that Big Ern discussed how paying off your mortgage is an alternative to holding bonds in your portfolio. Although Brad has reached FI, he doesn’t have any bonds either. He thinks a young adult with a long time horizon, equities have the highest likelihood for maximizing net worth. If you can reduce your structural expenses at the point of retirement, it could act as a substitute for having bonds. Passive income is another alternative. Jonathan is currently allowing his equities to continue to grow, but before he retires, he will pay off his mortgage and get rid of that structural expense. Resources Mentioned In Today’s Conversation Join the live show at ChooseFI.com/live. ChooseFI Episode 147 Negotiate Your Salary with Tori Dunlap ChooseFI Episode 211 How to Negotiate Your Salary Without Burning Bridges with Financial Mechanic Learn more about the Roth IRA Conversion Ladder. ChooseFI Episode 297 From Pandemic Layoff to 100K+ | A Salesforce Success Story Find out more about the Salesforce 5-Day Challenge. The Tim Ferris Show The Drive Nav.al Real Coffee with Scott Adams How to Fail at Almost Everything and Still Win Big: Kind of the Story of My Life by Scott Adams Armchair Expert The Prof G Show ChooseFI Episode 013 The Unfair (FI) Advantage of Teachers | 457(b) ChooseFI Episode 019 The Stock Series Part 1 JL Collins ChooseFI Episode 066 The Emergency Fund…Is it a Bad Idea? | Big Ern ChooseFI Episode 035 Sequence of Return Risk | Big Ern Early Retirement Now: Why We Will Not Have a Mortgage in Early Retirement If You Want To Support ChooseFI: Earn $1,000 in cashback with ChooseFI’s 3-card credit card strategy. Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.
Big Ern's rap music video, marching band, preferring the marimba over the vibraphone, and when things go wrong while making a short film.
This week we make our triumphant return from the abyss with the 1996 Farrelly Brothers classic, Kingpin. I just...I don't know. I don't know how to feel about this movie. I think that the Farrelly Bros hadn't quite figured out their unique formula of raunchy, weird, and charming that they were able to perfect with There's Something About Mary; Me, Myself, and Irene; and Stuck On You, which is ridiculously underrated. Woody Harrelson and a pre-breakdown Randy Quaid make an unlikely pair in this road trip movie that's never considered a road trip movie. Vanessa Angell is charming and very much lives up to the “TV version of Kelly LeBrock in Weird Science” legacy that it seems she was destined for. And Bill Murray is fun to hate in his role as Big Ern.
Download PodcastTune in for an hour of information and news on political prisoners held by the US government. Unfortunately we will be focusing on the recent assassination of political prisoner Hugo Pinell who was murdered after finally getting out of solitary confinement where he spent 46 years. San Francisco Bayview writes, Hugo Pinell, affectionately known as Yogi Bear, was assassinated Aug. 12. The news sparked a victory celebration by prison guards on social media: “May he rot in hell” and “Good riddens” (sic), they typed. Yogi was the only member of the San Quentin 6 still in prison, and his role in the events of Aug. 21, 1971, the day George Jackson was assassinated, has earned the guards' incessant enmity ever since. There appears that prison gangs played a role in Mr. Pinell's murder. We will be joined by Robert Weide who is an assistant professor of Sociology at Cal State Los Angeles with subfield specializations in criminology, urban studies and racial and ethnic relations. He is currently working on two books based on his dissertation research while a student at NYU. Robert's first book will be about inter-racial gang conflict between Black and Latino street gangs in Los Angeles County. His second book will be about historical and contemporary conflict between racialized inmate factions in carceral settings in California. We will also be joined by Ernest Sheperd (Big Ern) who is a life time supporter of Yogi Pinell. They shared memories in prison together, struggled together and fought oppression together. Big Ern got out of prison but stayed in contact with Yogi and has personal letters where they discussed politics, mass incarceration and the ongoing struggle. Big Ern has a letter he recieved right before the assassination of Yogi. He has a lot to say about his fallen Comrade. Political Prisoner BirthdaysHanif Shabazz Bey has a birthday today and is part of the Virgin Island Five. More information on his case can be found here.