you've been cutting costs for years now, as is our case. But, we recently refinanced our house and paid off our car loan and now have around an extra $1000 per month that I wish could go into savings, but instead will be used to pay for college for both my oldest and my wife.
If nothing changes - which I hope it will for the better in the coming years - we will have enough to semi-retire by the time I'm in my 70s, but I expect that I'll always have to work.