Flexibility - A couple, both in their early 60s, retired with $2.38M (86th percentile) built steadily over decades through dual professional incomes, consistent saving, and investing primarily in a 401(k) (now IRA), home equity, and other assets. They left high-demand, stressful jobs while still in their early 50s and moved to a comfortable, moderate-cost locale. Their annual spending is about $100K, but the luxury is truly in their flexibility: travel, hobbies, and plenty of time with friends, grandkids, and each other. Health insurance, taxes, and recalibrating identity post-work were hurdles, but flexibility adjusting spending or location as needed has been the most valuable asset in both their financial and personal planning.