(MONEY Magazine) -- For three decades, Bob Lowry consulted for small radio stations, logging more than 100,000 miles a year on the road. Then media conglomerates began gobbling up his clients. By 2001, at age 52, Lowry faced a tough choice: "I could reinvent myself or retire and make do with what we had."
Bob and his wife, Betty, then 47 and a preschool teacher in their hometown of Scottsdale, took a hard look at their finances. With $850,000 saved, they were short of their $1.2 million target. To retire a decade earlier than planned, they calculated that they needed to live on $45,000 a year, less than a third of their $150,000 income.
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