O Funkmaster: What do you recommend a wannabe early retiree to do with all this conflicting information and guidance? Well, my basic advice is to follow Bruce Lee, which is to absorb what is useful, discard what is useless, and add something that is specifically your own. And I think we'll just do some of that right here, right now. Let's do it. But before he really get into it, let me just preface this with a couple of thoughts. First, I tend to agree with 85 to 90% of what these folks have to say. So do all of them collectively.