It isn't just the middle guy in a lineup. They say 51 percent of sailors are worth over $1,000,000.

But now that I think about it, you're right that when people add up all their assets, they are often surprised to find out how much they are technically worth. Too bad that doesn't translate into disposable income.

And, no, I don't think Rick and I are anywhere close to that. But that's because we have a different philosophy than most people. Instead of saving for the future, we did all the things we really wanted to do while we were young enough to really enjoy them. And now that we are of the so-called retirement age, we have to settle for less in the way of lifestyle and have to work harder to pay the bills. In retrospect, I think we did exactly the right things in exactly the right order. At our age it is easier to work hard than it is to play hard.