I retired 22 years ago with no savings plan, but now have $1.3 million. Stressing about retirement isn't worth it.

Jason Henry for BI

This as-told-to essay is based on a conversation with Rich Colorado, 87, who retired on his 65th birthday. Colorado said he never touched stocks and never planned for his retirement, yet he remained frugal and now has over $1.3 million. Colorado still bowls three times a week and teaches chess in his California city. His words have been edited for length and clarity.