Steps to Retire as a Millionaire
Having a million-dollar savings is a retirement dream for many people．Making that dream come true requires some serious efforts．While success is never a sure thing，the steps outlined below will go a long way toward helping you achieve your objective．
Vacations，cars，kids and all of life's other expenses take a big chunk(大块) out of your paycheck．To maximize your savings，you need to minimize your expenses．Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings．
If you don't save，you'll never reach your goal．Obvious as this might seem，far too many people never even start to save．If your employer offers a 401(k) plan (一种养老保险)，simply sign up for the plan and contributions will be automatically taken out of your paycheck，increasing your savings and decreasing your taxes．It's like getting a guaranteed return on your investment．Finding the cash to stash (隐藏起)may be a challenge，particularly when you're young，but don't let that stop you from pursuing future riches．
If you are looking to grow your wealth over time，fixed income isn't likely to get the job done，and inflation (通货膨胀) can take a big chunk out of your savings．Investing in equities (股票) may have more risk，but is also statistically likely to lead to greater returns．For many of us，it's a risk we have to take if want to see our wealth grow．
Part of long-term planning involves accepting the idea that setbacks will occur．If you are not prepared，these setbacks can put a stop to your savings efforts．While you can't avoid all of the bumps in the road，you can prepare in advance to reduce the damage they can do．
Your income should rise as time passes．You'll get raises，you'll change jobs，and maybe you'll get married and become a two-income family．Every time more cash comes in to your pocket，you should increase the amount that you save．The key to reaching your goal as quickly as possible is to save as much as you can．

A．Watch Your Spending．

B．Prepare for Rainy Days．

C．Start Saving．

D．Get Aggressive．

E． Save More．
F． Set the Goal．
G． Have patience．