How difficult is it to become a millionaire?It’s probably not as hard as you might think — if you plan ahead.

　　成为百万富翁很难吗?如果你规划的好的话，也不是啥难事儿。

　　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.

　　戴维.巴克是《聪明夫妻爱理财》一书的作者，他制作了一个表格，告诉大家，如果你想在65岁之前成为百万富翁，每天需要存多少钱。

　　Do you want to become a millionaire? Bach says the key is to start investing as early as possible.

　　你想成为百万富翁吗?巴克告诉你，关键是要尽早开始投资。

　　To prove how important time is, Bach calculated how much you’ll need to invest each day to save $1 million by 65. Here’s a chart showing how much you should save, depending on how old you are when you start.

　　为了证明时间是多么重要的事情，巴克计算了如果你想在65岁拥有100万美元，每天你需要投资多少钱?以上是一个表格，你需要存多少钱，取决于你的年龄，和你什么时候开始计划。

　　For simplicity, the calculations assume a 12% annual return and don’t take taxes into account.

　　简单说，这个计算以每年的回报率在12%左右，而且不考虑纳税。

　　So where do you start? Experts recommend to start investing in your 401(k) or Roth IRA.

　　所以，你从什么时候开始呢?专家推荐从你的个人退休账户(401k账户和罗斯个人退休帐户)开始。

　　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.

　　巴克同时建议，可以停止每天买咖啡的习惯，而把这笔钱用于投资。几十年后，这笔钱绝对不再是只用来买咖啡。