The news is full of stories about how difficult it is for people to save for retirement. Guaranteed pensions have gone the way of the Dodo and Social Security is projected to run out of funds in 20 years, leaving workers to rely on their own personal savings and employer-sponsored defined contribution plans.

If someone is able to retire on time and with enough money to live comfortably throughout their retirement, was it luck, discipline or some other factor that allowed them to do it? The answer varies depending on who you ask.

Stig Nybo, president of pension sales and distribution for Transamerica Retirement Solutions and author of "Transform Tomorrow: Awakening the Super Saver in Pursuit of Retirement Readiness," published in 2013, believes that despite the challenges facing the retirement industry, there are individuals out there who do everything right, including saving as much as they can as early as they can.