<prompt> Human: The easiest way to save 1 million is to begin saving at your first job. If you start saving at age 25, you could save just 4,682 per year and reach 1 million by age 65, assuming 7 percent annual returns, according to calculations by David Fernandez, a certified financial planner for Wealth Engineering in Scottsdale, Ariz. You could do that by maxing out a Roth IRA or saving in a 401k, Fernandez says. If you wait until 35, the amount you need to save more than doubles. Beginning at age 35, you will need to save 9,894 each year to accumulate 1 million at age 65. If you further delay saving, youll need to tuck away 22,798 annually beginning at 45 or 67,643 at 55 if you hope to be a millionaire upon retirement at 65.Thanks in advance!  <response>: Yes, this is just a math problem. In general the more you save and the earlier you save it, the better off you will be in later life. 