How can you retire with $1 million in assets? It's easy⦠if you start with $3 million! All kidding aside, the best answer is to make a plan that achieves the savings necessary to get to $1 million. We can help you formulate that plan using the following seven tips. 1. Make Saving and Budgeting a Priority â Saving is a mindset, and a budget is the way to turn that mindset into tangible results. Start by laying out a reasonable budget, looking for ways to cut expenses. Your budget is the building block to get a monthly surplus â and you can't even begin to save $1 million if you can't save anything on a monthly basis.