This is something i hear a lot with such stories. "good luck" Even hearing timely advise, is good luck.

But, i have also seen the opposite. Where you have bad habits combined with listening to bad advice. YOLO bro.

I have also seen a nurse talk about retiring early, cause, you know, hospice is lucrative, but…
Well, she, at that time, got $10k a year from her aunt. (maximum gift) and she would spend it on expensive sewing machines and other stuffs. When these were sizeable chunks that could have paid off their house, their cars. She could have been financially independent, but now she works as a school nurse. Which she says she enjoys.

Congratulations on your good luck, which you earned through your diligent saving.