I was a corporate executive and now I am a millionaire and now retired at 45. My stocks portfolio gives me $65k pa in dividends. We live in a brand new fully paid up condo (99 years lease) with a big swimming pool and modern gym. I paid up most of the mortgage.

My wife is still not a millionaire and she is working towards being a millionaire. She gets about $120k pa from her work and spends $50k pa on the family expenditures and saves $70k pa. I spend $50k pa for the family (from my dividends) and saves $15k pa. My wife will need to work for another 10 years to reach millionaire status and then she can retire. So our family income is now $185k pa while our expenditure is $100k pa.