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1. Started working full time at 19. 2. Still alive at 60. 3. Worked hard in every job. 4. Maximized retirement contributions. 5. Only owned two houses. 6. Paid off current home as quickly as possible. 7. No debt other than credit card paid off monthly. 8. Only married once (and still) 32 years ago. 9. Spousal unit has same fiscal strategy as me. 10. We never had kids. We can both afford not to work, although we both choose to. I can't say we're especially frugal. I own four Swiss mechanical watches, a brand new Subaru WRX Limited, and lots of other toys, and have traveled all over the world, all of which I paid cash for (or paid card off each month).