A couple (ages 64/63) are a dual-military U.S. Navy veteran pair that have been married for over 38 years. They met in college and both embarked on careers in the U.S. Navy, began their financial journey with a clear focus: saving. He served for 20 years in the submarine force, reaching the rank of lieutenant commander, while she dedicated 25 years to active duty and the Navy Reserves in meteorology and oceanography, retiring as a captain. Their accumulated net worth is 90th percentile for their age group. More than half of their net worth is in real estate (primary home and an investment property - both in Hawaii) and the remainder is in equities (taxable and Roth IRAs).