Building a million-dollar retirement fund isn't easy, but it's also not impossible. You don't need to be wealthy or a stock market expert to save $1 million or more, but you will need the right strategy.

Your approach will depend primarily on how many years you have until retirement and how much you can afford to invest each month. Time is your most valuable resource, so the longer you have to save, the easier it will be to reach your goal.

If you already have $100,000 saved for retirement, here's what it will take to turn it into $1 million or more.

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Source Fool.com