While lots of Americans just can’t stretch the budget far enoughto put away money for retirement, there is a groupamong the general population that’s managing not just to save, butto save way more than the average person who does stash funds forthe future.

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A CNBC report says that “super savers” are not shelling out for a lotof things in a tradeoff that lets them save more money forretirement. It defines super savers as “Americans who are puttingaside at least 90 percent of the annual $18,000 employeecontribution limit to their 401(k) plan.”

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Related: Quick guide to 5 types of financialwellness programs

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The report cites a Principal Financial survey that provides someinsights into how they managed to put away so much money.Respondents were surveyed in late 2016; all were retirement planparticipants, ranging in age from 23–51, had hit super saver statusin 2015, and were on track to do it again in 2016.

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According to a Vanguard report, only 10 percent of employees actuallymanage to hit the maximum contribution limit in 2016; that’s fallenfrom the 13 percent who hit the mark in 2015.

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Related: Quiz: Do you know these retirementfacts?

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Most tend to be both older and wealthier, but Principal lookedat the saving achievements of GenXers and millennials who put away90 percent or more of the IRS maximum amount in their 401(k)accounts ($16,200–$18,000 per year).

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Surprisingly, 91 percent listed saving for retirement as one oftheir main goals, with more than twice as many millennials sayingthey’re saving for retirement (90 percent) than those who saythey’re raising a family (40 percent).

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So how did they do it?

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By not splurging on wheels, for one thing—47 percent say they’redriving older cars so they can stash that extra money away.

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Houses aren’t on the “new” list, either, with 45 percent sayingthey live in modest homes and 18 percent of millennials rentinginstead of buying.

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They’re not going on vacations, either; 42 percent say they’retraveling less than they’d like to, and they’re stowing the moneyaway in their retirement funds instead.

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But you know what they say about all work and no play; 40percent of super savers say they’re putting up with work-relatedstress, and more than a quarter (27 percent) also put in extrahours instead of spending time with friends and family.

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Hopefully after devoting all this extra effort to saving forretirement, they’ll live long enough to enjoy it and not succumb tostress along the way.

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