I am not boasting but IMO, the simplest way toward a good retirement is to work for it, save and invest wisely.
I have never been given or taken anything from anyone else. My wife and I are retired with zero debt, we live a good life and have enough money to carry us to the promised land. What more is needed?
Living below one’s means is usually a good thing to do. It’s also better to own assets than have debts.