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How difficult is it to become a millionaire? It's probably not as hard as you might think -- if you plan ahead.
成為百萬富翁很難嗎？如果你提前進行規劃的話，這可能也不會像你想的那么難。
David Bach, the author of "Smart Couples Finish Rich," came up with a chart showing how much money people at different ages should set aside each day to save a million dollars at age 65.
戴維·巴克是《聰明夫妻愛理財》一書的作者，他制作了一個表格，告訴大家如果你想在65歲之前存下一百萬，那么不同年齡段的人每天需要存多少錢。
Do you want to become a millionaire? Bach says the key is to start investing as early as possible.
你想成為百萬富翁嗎？巴克表示，關鍵是要盡早開始投資。
For simplicity, the calculations assume a 12% annual return and don't take taxes into account.
為簡單起見，這個計算假設每年的回報率在12%左右，而且不考慮納稅。
So where do you start? Experts recommend to start investing in your 401(k) or Roth IRA.
所以，你從什么時候開始呢？專家推薦從你的401(k)退休儲蓄計劃或者羅斯個人退休帳戶開始投資。
Bach also advises to refrain from spending on small daily purchases like buying coffee every morning and instead to invest that money. Decades from now, that money will be worth enough for you to buy more than just one coffee.
巴克同時還建議，可以限制在小型日常消費上的花費，比如每天早上買咖啡，而把這筆錢用于投資。幾十年后，這筆錢絕對不再是只用來買一杯咖啡。
