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On the other, there's the potential to never earn another cent and find yourself beholden to the slings and arrows of the stock market. In this Feb. 23 video from Motley Fool Live with former Motley Fool contributor and frequent guest Morgan Housel, Adeney -- frequently mentioned in connection with the Financial Independence, Retire Early (FIRE) movement -- explains a healthier approach to early retirement and worries about stock market returns. Morgan Housel: It feels like the FIRE movement has grown most of its life during what has by-and-large been a huge bull market in the stock market.