Nice piece, Cody. I too, tend to side on the cautious side when it comes to finance. I've been in-tuned with the FIRE movement for a few years now and am on my own journey to F.I.
The Retire Early part doesn't make a lot of sense to me -- what will these people do with their time? Find a passion and pursue it with an entrepreneurial spirit! You don't have to be retired in the traditional sense.