I Retired at 55. My Retirement Plan Is Intentionally Dumb.

Early Retirement Roadmap · Jul 27, 2026 · 15m

I retired at 55 with an intentionally dumb retirement plan—simple retirement planning built around low-cost index funds, cash reserves, flexible spending, and fewer moving parts.

In this episode, I share the seven parts of my early retirement plan that I deliberately keep simple. That includes how I invest, why I use a small number of investments with clear jobs, how I avoid trying to predict the market, and why I treat retirement calculators and Monte Carlo simulations as tools—not guarantees.

I also explain why I don’t try to optimize every tax year, how I built flexibility into my…