Stop Guessing: Here's Exactly How to Retire a Millionaire

Let's get this out of the way: Lottery tickets, penny stocks, and multi-level marketing schemes are not reliable ways to amass a million-dollar retirement fund. Thankfully, there is one dependable strategy you can use if you have enough time on your side.

Read on to learn the three-step plan that can carry you to millionaire status by the time you retire.

In the absence of incredibly good luck, you cannot amass seven-figure wealth without saving. And to save, you need to spend less than you make. 

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Source Fool.com