Retiring at 55 with no savings is extremely difficult and requires a move to a low-cost-of-living area or a reliance on unique social safety nets. Since you cannot access Social Security in the US until age 62 (at the earliest) and most pension plans don't pay out until 60 or 65, you must bridge a 7-to-10-year gap. Strategies include "Geo-arbitrage"—moving to a country where $500 a month provides a high quality of life—or living in an intentional community or house-sharing arrangement to eliminate housing costs. Many in this situation transition to "Barista FIRE," working part-time in a low-stress job that provides health insurance. You might also look into government assistance programs, though these are often based on disability or extreme poverty rather than "voluntary retirement." Ultimately, without capital, your "retirement" will likely look more like a minimalist lifestyle focused on reducing expenses to zero rather than a traditional leisure-based retirement.