RE: Planning An Early Retirement Budget
First, nothing will go as you planned.
Something like your IRA invested in the stock market will go to zero
and your crypto will grow 10,000%.
I like the feeling of paying off the house. However, if you can make a better return on investments, the mortgage pays for itself once in free money and twice in a tax deduction.
I would suggest starting a small business. Like a drop shipping on-line business. Firstly for tax right offs, and second because it can become that part time job. And thirdly, because unforseen stuff is coming, and the financial world is going to change dramatically. Barter will be a big part of the future.
The dollar will definitely collapse during your retirement!
How do you plan for something so world changing?
So, I think you will be better off than 99% of the people out there, you already are, however, you will have to adjust any plans made in our current paradigm.
Investments in food is paying 12% per year.
Oh, I just want to live off the pension and allow my investments to continue to grow. I would also like to at least add in my annual IRA of $5,500.
I was thinking of starting up an online business like that.
As far as the rest of your warnings go, I do have a pile of alternative investments that would be of use.