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Early Retirement Plan Step 1: STOP budgeting Typically, when you feel that your cash flow is out of control, you turn to budgeting. You have been trained to think that a budget is an answer to all your financial problems. That it is the only way to regain control...TweetSharePinShare0 Shares In this article, I will bring you through a step-by-step guide in setting up your early retirement plan. Planning your retirement should not be done when you are in your 40s or 50s. The earlier you start, preferably in your 20s, the easier your retirement journey is going to be. Millennials have been between a rock and a hard place for years. The global pandemic has made matters worse for this generation but there are some steps they can take to improve their finances going forward. Let’s go through them now.