In my conversations with you, you tell me, “Survival Guy, I enjoy reading your series on retirement, even if it doesn’t apply to me. I’m 95, and I don’t ever plan on retiring. But keep up the good work, fella.”

Which I know is the case for many of you. Those of you who choose to keep your hand in the game. Why? Because what else would you do? Which brings me to the conclusion of this series. In sum: There is no set formula for your retirement life. But it sure is nice to have the option to retire, isn’t it?

You know the stories I’ve shared with you here about the millionaires next door who amassed fortunes beyond their wildest dreams, mainly by putting one foot in front of the other and letting time or compound interest do the heavy lifting. Work wasn’t the hard part. They enjoyed their work, and it began to be quite fun watching their money grow like fruit on a tree.

Take Tony Barzar, the 60-year-old Costco worker featured in this morning’s WSJ, a cashier for four decades making just over thirty dollars an hour, with a 401(k) exceeding a million dollars, and excellent healthcare to boot. “As a younger person, I didn’t think me and my family would reach where we sit now,” he said. “I could retire, but what would I do? Costco has been good to me.”

Action Line: You are my millionaires next door who have amassed your own fortunes. And you made it happen. You are the reason for your success. You “made it a good month” for all those years. Congratulations. When you want help taking the next step in your retirement life, email me at ejsmith@yoursurvivalguy.com.

Read the entire series here.

Originally posted on Your Survival Guy.