Just as long as you realize there are MILLIONS of people who did the same thing but are not comfortable at all. That you had a government job says volumes. Few people not paid by the government have pensions now. I'm happy that you are doing well. You do, however, need to realize how lucky you are. You don't seem to realize it, just judging by this piece. I don't know anyone living well who did not have a combination of hard work and luck. Neither is successful alone.