Congrats—seriously—on opting out of the proverbial rat race. That's not easy.

I'm just not sure what's novel about building a two-year safety net, then spending less than you earn from that point forward. That's wise...but as opposed to what, exactly? Blowing your savings and racking up debt? The foundation of personal finance has always been to save amply + spend minimally + earn more + bank the difference. Not only do your maligned "retirement planners and investment gurus" recommend that, but it's basic arithmetic.

Also not sure how this accommodates a situation where life throws you a curveball and your working years are over sooner than planned. We can quibble about the probability, but the point is...it happens. The rat-race isn't a recipe for happiness, but to some extent, it's wise to make hay while the sun shines.