Breaking my own rule about no more postings on this, but I can't resist.
BTW, my disdain for TMND has nothing to do with sour grapes. We're retired and have a very comfortable nest egg. Some of it was frugality, some of it was periods of high income due to ... yes ... a combination of luck and hard work.
Are you willing to share more details? I'm assuming that your statement about not making close to $90K isn't total income, but individual income. So (and correct me if I'm wrong), I'll make a wild guess and assume that you each earned $65K for $130K total income. According to this calculator, that means you earned more than 85% of all households. And if you retired more than a few years ago, you were in an even higher percentile.
One of the interesting side effects of this conversation is discovering how many people think that their household income is typical when it is anything but. Perhaps that's because they rank themselves with their neighbors.
You are completely missing the point. The point is that you can save a lot of money if you have the discipline to do it and spend the time to learn how to invest it properly. Obviously its easier to save more and end up with a larger portfolio if you make more money. Just about every one of my former co-workers, who made generally the same amount as I did, complains that they don't make enough money and that there's no way to put any aside for the future. Then they get a raise, find a way to spend it and continue to complain.
Very few people would expect 2 married cops to end up as millionaires, and very few do, but most any of them could if that was really their goal instead of buying the newest car and biggest house.