1

　　A. Prepare for Rainy Days

　　B. Watch Your Spending

　　C. Get Aggressive

　　D. Start Saving

　　E. Set the Goal

　　F. Save More

　　Steps to Retire a Millionaire

　　Having a million-dollar portfolio 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.

　　1.

　　Vacations, cars, kids and all of life’s other expenses take a big chunk 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.

　　2.

　　If you don’t save, you’ll never reach your goal. As obvious as this might seem, far too many people never even start to save. If your employer offers a 401 (k) plan, enrolling in the plan is a great way to put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken out of your paycheck, increasing your savings and decreasing your immediate tax liability.

　　If your employer offers to match your contributions up to a certain percentage, be sure to contribute enough to get the full match. It’s like getting a guaranteed return on your investment. Finding the cash to stash may be a challenge, particularly when you’re young, but don’t let that stop you from pursuing future riches.

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