I am not certain you understand, and your definition of principle does not appear to be the one most people use.
Start by going to https://www.bogleheads.org/wiki/Getting_started where you will find an enormous amount of very good information and resources on a website devoted to the advice of Jack Bogle, who popularized the low-cost index fund.
Then Google the "Trinity Study".
After you have absorbed this stuff, we may be able to have an intelligent conversation.
Meanwhile, best of luck.
I don’t need “luck” I have a plan.