The most straightforward tip for retiring rich is to.

Webwhat's more, two recent studies show most people think they'll need to save more than $1 million to retire comfortably.

But to become a 401 (k) millionaire, there are several steps.

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401 (k) plan participants at charles schwab.

Webeveryone has a different plan for retirement, and $1 million might not be your magic number to achieve it.

Use the 401 (k) this isn't a joke.

Whatever your goal, however, every saver can learn from.

Don't cash out early.

Webget a 401(k) match.

There are two basic typesโ€”traditional and roth.

Webgetting there boils down to leaning on a few open secrets that can help you end up with a nest egg big enough to enjoy truly golden retirement years.

Stay until you are vested.

Diversify with a roth 401(k).

Maximize your tax break.

Hereโ€™s how they work.

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Webhere are five secrets to maximizing your 401 (k) plan and retiring wealthy.