Seven-figure savings strategies for thirtysomethings. Thinkstock By the editors of Kiplinger's Personal Finance Updated January 2015 At age 35, you've Saved: 0$ To reach one million by age 65 you need to save $671 per month. (This assumes an 8% annual return, invested in stocks.) If You've Saved: $50,000 To reach one million by age 65 you need to save $304 per month.See Also: Retire a Millionaire Successful Savings Strategies You may be starting a family or preparing to buy a home. Balance you short-term needs with long-term savings goals. Although you have added responsibilities, don't neglect retirement. Aim to save 15% of your gross income (including an employer match in your 401(k). If one parent leaves work to care for the kids, consider opening a spousal IRA. Shift your assets to 90% stocks and 10% bonds. Invest in a 529 college-savings plan. Many states offer a tax deduction for your contribution, and qualified distributions are exempt from federal taxes.