You also have to be able to have a living style that works with nature, not against it.
We heat and cook with natural gas and cool with electricity. the house in Virginia is about 30x30, 3 levels with a 18x30 addition on 2 levels.
A BIG winter gas bill is a little over $200, a BIG summer electric bill about $200. Take off about $30 from gas for cooking and $50 from electric for lights, computers, etc. So our heating cooling bills are on the order of less than $1000/year
We've about 40 or 50 1970 era-windows. The wife keeps on wanting to replace them for energy efficiency. Estimates we were given were a possible savings of 10% - or $100/year.
Part of the reason why is because we flex with the temperature. In summer I try to let it climb to no more than 78, in winter it can drop down to 58 at night, 63 during the day.
We don't come in the house and crank on the a/c or heat. As the seasons change we adapt, what felt cool in August (75 degrees) feels HOT by December. What feels warm now (66 degrees, I just checked, it's a warm day outside) will feel frigid by July.
If there is sickness or visitors exceptions are made.
When Carter introduced his energy policy in the winter of '77 our house was already set at 63 and I refused to turn it up.
Another key thing I learned about 35 years ago is to have the wife pregnant over the winter. Helps with both the heat and a/c bill if you time it right. Of course that is only good a couple of times

DON"T have them due in September!