Thanks to John and Maries life long efforts of “saving a bit” each month, they were able to retire this year. They didn't do anything extraordinary, they were just diligent. They purchased a permanent life insurance when they married to begin building cash value, and an income replacement stream when they retired, and additional term insurance at the birth of each of their 4 children. John maxed out his 401k, and Marie, a stay at home Mom always contributed to her IRA. Thanks to years of “tending their financial garden” they now spend their days playing with there 10 grandchildren and traveling to sites they have always wanted to see.