yashab, you asked:<< im 39 year of age. im wondering is it possible to have million dollars by the time im 45. how much do i have to save and invest in whatever to become a millionaire. >>Yes, it's possible . . . if you you already have $800k+ to work with <grin> Or you can try Vegas or the Lottery . . ??? ;-)Seriously though, if you're just starting out at age 39, it's not reasonable to expect to get to a million unless you have some kind of talent that has that kind of potential (e.g. doing a start up company and go public by then; having a good singing or acting talent). It may depend on just what kind of profession you're in and what kind of income you can generate. If you're making several hundred thousand dollars a year . . .you might be able to just do it. If you're in real estate sales, it's possible there too (not necessarily probable, but certainly possible).<< sincere poor and ignorant deaf person who do not want to end up working at Mcdonald when im 65 to live. i need help >>Now if you're talking about achieving a million by the time you're 65, that gives you an additional 20 years and it is most likely you CAN achieve $1,000,000. However, due to inflation, that million won't be worth what it is today. So, you may need to shoot even higher . . .???If you're serious about making and achieving that kind of money . . . maybe reading a book like Rich Dad Poor Dad would be good for you?