His cell phone has a hinge. He’s been driving the same minivan for 15 years. His dinner is water and a bologna sandwich. He has a twenty inch TV without cable. Every dime scrutinized, every penny saved. Never uses credit. Nothing wasted. He checks his savings and 401K every month. Each year he analyses his Social Security payout statement. His sacrifice will pay off in retirement. It’s going to be done right. Travel anywhere he wants, eat anything he pleases. He won’t be dependent on anyone. For his 64th birthday his doctor gave him a surprise gift of six months.