Thanks to my wife, who makes Dave Ramsey look like a spendthrift, and having no desire for toys or the high life, we were able to retire debt free. This allows us to live modestly on social security without tapping a modest nest egg. We even were able to financially survive two medical crises. Our frugality comes from the values of our parents who experienced the Great Depression. That said, we realize the state of our financial security in retirement is fragile and all could be wiped out in the blink of an eye.
Yes, that is what Living within Your Means produces. The ability to have a good financial bandwidth and the hope that it may last (If those fools in Washington can ditch this Socialistic tomfoolery -getting "rid of Farting Cows and Airplanes").