When we were first married the spouse and I lived paycheck to paycheck. As the years went by, we got better jobs and earned more money. Although we never had excessive expendable income, we managed to save a little. We've always lived within our means. We never carried more debt than our mortgage and car payments...and we paid those off early. I guess you could call us frugal. When the kids graduated from college, and we paid off our mortgage, we were comfortably situated...and we retired.
We are no longer wage earners. That took some getting used to! We do nothing, and money is deposited in our accounts every month. It's like winning Publisher's Clearing House Sweepstakes, except it's a lot less money.
There's still a voice inside that tells me that I can't spend money on frivolous things like vacations. I know this isn't a rational thought. There's no reason I can't use retirement income for "extras," but the tightwad in me doesn't let that idea get out of the planning stages. So now I have a sideline job. My wages from my part-time writing gig pay for our travels and let me enjoy them guilt-free.
I know how fortunate I am. I have acquaintances who live on only social security. They are one accident away from financial ruin because they have no safety net.
One of the scary things about being retired is that our income dangles on the whims of the government. My state pension can be "realigned," my income drastically reduced, and for many in this situation, there is no option to return to the work that they gave up when they accepted their retirement package.
So, for now, I guess I'll keep plugging away with my part-time job. Perhaps someday I'll get to the point that I will trust that I am really, truly able to retire and leave the work for wages world behind.