I am a little different, but did many of the things mentioned. I bought company stock ( Intel ) and put most of my extra money there ( could have backfired, but did not ) when I worked there. I have been very aggressive in the stock market since my 20's, way more than I should have, but have done well. I am almost 60 and still pretty aggressive in the market, although have a what I would call a conservative account which involves savings, 401k monies and a recent inheritance from my father. Although not huge, the inheritance put us at a number that I was comfortable with and decided, on a whim one day, to retire. I just got fed up with working for other people and ended it about 4 months ago. I may do something in the future, but I will be a decent percentage holder in whatever it may be. And, I still, even at 60, am playing the market far more aggressively than most my age. My wife and I have a home that is comfortable, could afford more, but don't really see the need and our cars have always been modest. I am trying to keep my days full by playing golf, running, spending time with grandkids, traveling soon and volunteering. I cannot sit around, might as well just shoot me so I looking for ways to be active every day. My youngest daughter is a saver, only 25, already has 6 figures saved, she is very frugal, that I believe is the route most should try to follow. Most couples I know that have money or have retired early have NO kids. Kids are awesome, but retirement killers. I was very lucky and feel blessed every day.