It is interesting to note that long before there were company-sponsored 401k plans when most retirees relied upon social security and hopefully a company pension during their later years, our Surprise Millionaires were bucking the system taking it upon themselves to save and invest for retirement.  Today’s Surprise Millionaire is an excellent example of this truth.  Read about Orville Rogers who is enjoying his fourth decade of a comfortable retirement due to his early and consistent saving and investing.