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Absolutely. My wife and I are relatively high earners but live in a house with a three figure mortgage, and live inexpensively, and have done IRAs, TSP (government 401k equivalent), SEP, and taxable accounts for about 7 years. I think I'll unplug in another 9 with my military pension.

I too don't expect to hit a Dell like Intercst or a big real estate deal. Just living lean and saving a lot.
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