Who Wants to Be a Millionaire?

Or really, who doesn’t? But guess what? It’s not going to happen by itself. Wish and dream all you want—no one’s going to secretly deposit cash into your savings or drop from the sky and hand you a giant check.

Not to be a downer, but you probably won’t win it on TV either.

Let’s talk about what you can do. If you want a million dollars at retirement, look realistically at what you gotta get done between now and then to make it happen. Go to CNN.com, plug in your numbers and let the calculator tell you when you’ll reach that goal.

Can’t wait until you’re 112? Play around with the numbers to figure out exactly what it will take to reach those 7 figures while you can still enjoy it.