Ask 73-year-old Delhi-based Ravinder Kumar Arora his secret to living such a happy retired life and he promptly replies, “disciplined savings and sound investments done in early life.” A war veteran, Arora had to leave the Army because he lost his left leg in the 1971 war which left him confined to the hospital bed for a long time. “I just took it in my stride and after nine years in service, I retired at the age of 30,” he says.