Without revealing much , I am self employed, and work in a very lucratic
professional occupation, and socked away the maximum in Retirement plan every year for about 31 years. I also live an equiv. of 65K/yr despite a higher income. My main goal is to retire when I wanted to.
I started investing in solid blue chip stocks, mutual funds, treasuries from the very beginning and. stayed with it. Nothing esoteric. Just kept at it.
BTW the SSS estimate is just s lousy guess, I prob. will get more than that. Sorry!
The key to accumulating wealth is living very low beyond one's means.
For many years I lived in a 74K condo and drove a 10 yr old Subaru, while other folks at my level lived in a 500K mansion and drove BMWs. Eating out is going to Pizza ranch or burgers, fries and root beer. Fun- going to libraries and reading!.