I retired 24 years ago with $1.3 million saved. Joy in retirement isn't a given — we made sacrifices to get here

IanDikhtiar Bill Bengel, a Michigan retiree, retired 24 years ago and lived at a lake house for 20 years. Bengel enjoyed a fulfilling retirement after decades of careful financial planning. He deems his retirement successful by maintaining his lifestyle and not relying on government income. This…