(CNBC) — Kristina Jonathan, an Atlanta-based digital-marketing consultant, has no interest in keeping up with the proverbial Joneses.
For years Johnson, 38, has lived frugally, investing in real estate, maximizing her 401(k) plan savings and reducing expenses.
By Johnson's own account, she has amassed a net worth of nearly $1 million and figures that she is a couple years away from being able to retire if she maintains a modest lifestyle and lives in a house that she now owns outright.
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She wants to continue to work on her own terms by cherry-picking projects that interest her.