IF you can pay off your home in your mid 50's, live without $150 per month cell phone bill, $150 per month cable-internet bill, beer, cigarettes, expensive cars and trucks, don't eat out very often, grow a garden and can and freeze, eat wild game and catch a few fish you can save enough to retire in your mid 60's. This ASSUMES you are in decent health and have 2 Social Security checks. Most people won't accumulate enough wealth to maintain their working lifestyle in retirement.