Everyone asks how much money it takes to retire early. Almost nobody asks what you plan to do with the time.

I left in May 2024 at 43 with a spreadsheet that ran to age 100 and a to-do list I had put off for decades. Two years later, here is the honest accounting of what I did with the time I bought back: I wrote two books, earned the WMCP designation, taught financial literacy as a volunteer, fostered dogs, and launched this podcast. Almost none of it paid. That is the point.

In this special off-schedule episode I walk through what actually got built, why a financial plan has to become a life plan, and the milestone I am proudest of. Killswitch, my debut science-fiction novel, released September 1, 2026. It took 604 days and 137,500 words. I also get into why a book about artificial intelligence belongs on a financial indepe ...