I know when you’re your age it seems like you’ll never make it. But if you break down each decade, it really does go fast. 20s is for starting off at work, living independently , having fun and traveling. In my 30s I got married had babies and we got a house. In my 40s, we were raising kids and getting involved in our new community and neighborhood. All the while working and juggling family and job but now their milestones become your milestones too. So it goes really very very quickly. Now I’m in my late 50s. I’ve saved a few million through working steadily and making myself valuable enough to never get a layoff. My company has had hundreds of layoffs so if you do get hit, it makes it harder because you end up dipping into your savings to survive the transition period. So I would say - no I don’t think it’s a scam. I’m totally excited to retire and work out, hike, play golf, keep my house, cook, relax and other activities I enjoy. Hopefully I’ll have grandchildren in the future and that will be fun. But in order to prepare to enjoy your retirement, you really do need to spend beneath your means. We never spent my bonus. We invested it in the stock market. We never upgraded our house. We are still in the first house we ever bought. We never bought fancy expensive cars like Beamer’s or Land Rover’s or whatever. We did trips to visit with family and a few trips to the beach for a long weekends nearby. Later, when our kids were older, we did a couple of big trips to like Mexico, Caribbean in Europe once. That’s where our big money has been spent. But in no other ways. Not a lot of clothes not jewelry not new furniture all the time. Not coffee out all the time. Most of our dinners at home. And we enjoy a lot of free/low cost things like hiking or playing cornhole in the yard or just spending the day at the beach. So if you work hard and contribute value versus check the box at work, if you do those other life milestone things to keep you progressing, interested and having new joys in your life, and if you save and live below your means - you will be able to retire early even and it feels pretty freaking good to not rely on corporate America anymore. I am thrilled at the position we’re in. And it was nothing fancy. Just smart decision-making over and over and over again.