I followed a number of your techniques during my working years.
The one that really put me on the road to millionaire status was contributing the maximum amount yearly to my 457k plan. I joined my Company at age 31 and became immediately eligible for a defined employee retirement plan, fully funded by my employer, with an annuity for life.
When I was age 38, my Company offered to provide a 457k plan for employee contributions solely. I immediately enrolled in the plan, and yearly put the maximum amount in the plan each year, until my retirement last year at age 62, and 24 years of contributions to the plan.
Over those 24 years, I contributed $146,000 deferred tax dollars and on my retirement date of 9/01/03 the market value of the 457k was $412,000. At retirement I rolled over my 457k money into an IRA Contributory Account per advice from my Financial Advisor for his and Schwab & Co.joint management of the funds.
Today, for retirement income, I have my company annuity and social security along with my wife’s annuity after 35 years with the Federal Government. I do not plan on drawing down against the IRA Contributory Account until age 70 1/2, unless necessary. Currently the fund is worth $432,000 and poised for future rapid growth.