Could you come up with about $5

That's about the newsstand price of April 2011 Money Magazine.  "How To Reach $1 Million" is a great article with real guidelines on "how to" adjust your savings to accomplish this and an estimated time frame to reach your goal. The article states, "To Hit The Magic Number, You Need The Right Plan."  I heartily suggest that you find a copy - even at the Library - and let the information soak in.  It deals with amount of yearly savings, percentage rate and number of years to $1 Million.  It's never too late to start, but it's very important to START NOW!