I think my wife and I are "hybrid" Gerts because we were employed full time while developing and running our farm.
Our family struggled and scrimped and worked on the farm for years before the farm turned a profit. Once the farm business started making money we invested in infrastructure and improvements even though we did not own the land. Plowing that money back into the farm paid off with a drastic increase in production and profitability. We then used those profits to pay off our debts, and then to max out our 401Ks, IRAs every year, and to purchase rentals as well as a new home on a half acre with irrigation water.
The farm also paid for college for two of our kids (oldest son is an ER physician, youngest daughter graduated from an Ivy League school with a Bachelor of Arts and a Bachelor of Environmental Engineering and now designs solar farm sites). Our other daughter went to college for one year and got married and put her husband through school, they have a successful I.T. security company. Youngest son joined the Marines in 2004 at age 19 and came back much matured and with a love for operating big trucks, he and his family live locally.
I retired from my job with a maximum pension at age 64 when I reached the Rule of 90 (age and years of service equals 90). I was fortunate in that I loved my job.
All the while we paid self employment tax in my name on the farm income so I qualified for the maximum when we sold the farm business and I took Social Security at age 70. My wife retired from her job early at age 60.
I'm occupied in my retirement with managing rentals, Wed and Sat morning coffee at the diner with friends, exploring the desert and mountains on the side by side, gardening, fishing, hunting, traveling to visit friends and family, and restoring antique vehicles and other projects in a recently purchased shop in town.
My wife is busy with irrigating, yard work, reading, relaxing on the deck in the mornings with coffee and me, riding her bike, daily exercise classes with friends, traveling, and playing the violin with the local symphony orchestra.
Winter cold, snow, and ice on crutches is taking a toll on me and we're seriously considering getting a little winter place with palm trees in the yard and a local orchestra in a town a days drive south of here.
Being Gerts, to us means healthy eating from our own land, no prescriptions (so far), no debts, no payments, no competing, no set daily schedule, no alarm clock, and no boss.