[Crowbob]

I grew up poor. Not dirt poor but more like gravel poor. It was rocky at times.

Anyways, the first time I was homeless made it easier to overcome the second time and the third time I was homeless.

Now those experiences are paying enormous dividends in my retirement years that began at age 55 12ish years ago.

You can live very well on a fraction of what you think you need. During the working years you operate following a simple equation: Wealth = earn more + spend less.

After many years of diligence the equation changes in retirement but is still very simple:
Wealth = earn less + spend less. It’s mostly all about attitude.