[Bookie]

Speaking from personal experience, it's possible to retire comfortably on less than the income from $1 million. It really comes down to lifestyle choices and resource management.

It also depends on attitude and inner resources. Long before I left the workplace, I began shifting into a retirement lifestyle, simplifying my routines, scaling back possessions and commitments, discovering that less really can be more. I also began to invest myself in activities and interests that keep me alert, active and involved with others.

Income is only one of the factors in a contented retirement, although an important one. There's more to life than getting and spending. I have more days when I don't spend than when I do, but those days are spent exploring the richness and diversity that is living fully.