I'm a federal employee millionaire

[Retrograde]

3. You're not the only one

I think a lot of us retirees now in our late 60s and early 70s were still influenced by what our parents went through in the 1930s and 40s: you can't depend on a job so look out for yourself. I learned from my parents to put aside a portion of my pay "just in case": over the years living beneath your means can add up to a tidy sum. I was never a federal worker, but the same applies in the private sector - maybe even moreso since company pensions are a thing of the distant past.