1. Get a group of friends together.

2. Plan a move to a smaller city, preferably on a rail line and/or a navigable waterway. Larger college towns are good choices too. (Ignore this step if you're already there.)

3. Amongst your group, buy a couple houses in the same neighborhood. Cash out some of your 401ks to get enough for the down payment, if you need to. Live in them together to minimize expenses.

4. Work fulltime jobs for a few years, have a bike for everyone and 1 car per 3 people, carpool and bike and bus wherever you can, cook vegetarian/vegan meals in bulk so everyone can eat better, share any pet and child care, get "family" deals, have everyone use one person's paid subscriptions.

5. Pay off the mortgage from your savings and 401k with an urgency commensurate with how panicked you feel. Depending on how well the job pays, how many people you're comfortable cramming into a house, and how much it costs, you will be able to pay it off in 1-6 years.

6. Recruit more rad people into the process, get another building to have as a community space, stay at each shitty job only long enough to meet like-minded people or to do stuff like salting. Keep just enough money in the stock market so that your gains there can pay your property taxes.

This is the communist model of retirement: a secure home, garden space, friends within walking distance, an environment that's not too polluted, a city that you can have an impact on. The liberal model is to keep doing everything for yourself and through the market, and maximizing a stock position to be able to still be buying things and propping up the capitalist economy once you retire. And what a sordid prospect that is!