If you're 30 years old, you need to set aside $448 per month for the next 35 years to become a millionaire -- if you earn a reasonable 8% annualized return in a retirement account. Don't have $448 to spare -- or even $248?
Maybe you do and don't realize it. Take a look at our slide show that offers a guide to how you can come up with the cash. From adjusting exemptions to reviewing spending, there are a number of places where you can find money to put toward building a million-dollar nest egg.
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Turn $451 a Month Into a Million Bucks
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457 Plan Contribution Limits for 2026Retirement plans There are higher 457 plan contribution limits in 2026. That's good news for state and local government employees.
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SEP IRA Contribution Limits for 2026SEP IRA A good option for small business owners, SEP IRAs allow individual annual contributions of as much as $70,000 in 2025, and up to $72,000 in 2026.
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Roth IRA Contribution Limits for 2026Roth IRAs Roth IRAs allow you to save for retirement with after-tax dollars while you're working, and then withdraw those contributions and earnings tax-free when you retire. Here's a look at 2026 limits and income-based phaseouts.
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SIMPLE IRA Contribution Limits for 2026simple IRA For 2026, the SIMPLE IRA contribution limit rises to $17,000, with a $4,000 catch-up for those 50 and over, totaling $21,000.
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457 Contribution Limits for 2024retirement plans State and local government workers can contribute more to their 457 plans in 2024 than in 2023.
