Write a detailed savings plan for a self-employed professional working toward early retirement (FIRE). Use a {{tone}} tone. Cover: Goal Analysis (total amount needed, inflation-adjusted target, monthly savings at 4%/7%/10% returns, gap analysis), Savings Strategy (rate, allocation, auto-savings setup, surplus deployment), Milestone Roadmap (quarterly targets, celebration triggers, course-correction triggers, accelerator actions), Expense Optimization (top 10 cuts, subscription audit, childcare strategies, income increase strategies), Account Structure (types, contribution order, asset allocation, rebalancing schedule), and Contingency Planning (income drop, emergency fund, pause vs. reduce, alternative timelines). Present as numbered steps with action titles, instructions, expected outcomes, and pitfalls. Max 1500 words. Skip any section if information is unknown. Paste any relevant background information after these instructions before running.