What retirement plan(s) do you recommend, taking into account the following?

1. Tax Strategies

2. Potential emergency medical costs in the future

3. An emergency fund plan consisting of:

• using any money in my checking/savings accounts
• selling some investments if necessary likely tax/penalty-free and putting that money into my checking account (from my understanding, if I do have to pay the penalty or taxes, I generally do not have to pay them until 6-12 months later which should likely be enough time to get back on my feet)
• help from friends and/or family if necessary and/or using my credit card if necessary

An economical, minimalist, slow FI approach to personal finance (retiring when no longer able to work)

1. A long-term relationship in the future (possibly marriage) (haven’t dated yet, though I’d like a long-term relationship)

2. An unknown SWR (currently 3.5%..maybe more..maybe less) (could change in the future)

3. Self-employment, contracting, freelance, or entrepreneurship (being employed by a business that’s not mine or the government if necessary)

4. Likely not having the same job(s) or business forever due to a rapidly changing job market

5. My age (22 years)

6. A significant decline in real returns of US stocks for the next 10 years.

7. Planning on ideally using a non-profit hospital in the event of an emergency (and possibly asking for financial forgiveness)

8. An HSA (for non-emergency medicine, plastic surgery if ever needed, vaccines, and emergency medicine)

9. Possibly using my parents’ private health insurance for emergencies, plastic surgery if ever needed, and vaccines (planning on paying for the portion of deductible that I use in order to be autonomous) (saving all receipts to possibly decrease tax liability with medical bills)

10. A desire to have holistic care rather than conventional care if it ever came down to it (nursing home, assisted living, etc.)

11. An investment portfolio (which will likely change over time) of…

• FNLIX (S&P 500 index fund with 0% expense ratio) (80% of portfolio) (likely will lower allocation of this and increase allocation of other investments)
• FZLIX (international index fund with 0% expense ratio) (18% of portfolio)
• Alternative Investments (Bitcoin [1.2% of portfolio], Ethereum [.8% of portfolio], Individual Stock[s], NFT[s]?, Sports Card[s]?, Comic Book[s]?, Video Game[s]?)