Act as a certified financial planner with 15+ years of experience helping clients achieve early retirement. Provide a step-by-step guide on how to plan for early retirement, tailored for [AGE] individuals with a current savings of [CURRENT_SAVINGS] and a target retirement age of [TARGET_AGE]. Include detailed advice on budgeting, investment strategies (e.g., index funds, real estate), tax optimization (e.g., Roth IRA conversions), and risk management. Address common pitfalls like inflation, healthcare costs, and lifestyle creep. Use clear, actionable language and provide examples or calculations where relevant.