Just three years ago, I would not have believed it possible. In spite of a family income of six figures, we were still not able to put much toward retirement. We were living in a great waterfront condo in Maryland, but at a cost. Our monthly expenses were over $6,000. Our HOA fees alone were almost $900. On top of that, property taxes were about $5,000 a year. We were happy living there, but I was resigned to working until I was 65, at least.