The 6 Levels of Retirement -- Where Will You End Up? Retirement looks much different for everyone. For some, it’s a life of luxury and for others, it’s just having enough to pay bills without stress, maybe a little extra for fun now and then. Here’s the thing: Retirement isn’t a single destination. It’s a journey with different levels — and you don’t have to be a millionaire or hit the highest level to live comfortably and happily. In fact, many people already live a good retirement without flashy lifestyles or massive bank accounts. Let’s take a look at six different levels of retirement and what each one looks like. By the end, you’ll have a clearer picture of where you might want to be on this scale — and guess what, you don’t have to aim for the highest level.