Being a millionaire comes with lots of perks: being able to pay the electric bill, driving a car with less than 200k miles on it, (probably) going on vacation whenever you feel like it. But for many, it seems like an unattainable reality. Here’s the truth: becoming a millionaire isn’t as hard as you’d think. It just requires a little hard work and dedication.

Develop a financial plan

Setting your goals and planning how to reach them is essential in nearly all of life’s endeavors — yet many people fail to plan for their financial future. Writing out a plan can help you prioritize what you want to accomplish and ensure that you stay the course, even when times get tough.

Start saving early

Retirement may be decades away, but it’s never too early to start saving. In fact, the earlier you start, the less painful it will be. According to experts, if you start saving at 35, you’ll have to put away roughly 16% of your yearly income — but if you start 10 years earlier, that number drops to only 12%.

Look for opportunities to earn more income

Fact: It’s easier to save more money if you make more money. In today’s world, where many people can’t even pay their monthly bills, the minimum isn’t going to cut it. Luckily, there are countless earning opportunities to help you on your journey, from starting your own business to working a lucrative side hustle.

Take advantage of 401(k) matching

There is nothing worse than leaving free money behind. And if you’re not taking advantage of your employer’s 401(k) matching contributions, that’s exactly what you’re doing. Employers will typically offer to match your contributions up to a certain percentage of your income (say 6%), so it can add up.

Live below your means

There’s nothing wrong with driving that old hooptie if it means you’re saving more for retirement. In fact, many of the wealthiest people in the world are also extremely frugal. Avoid credit, clip coupons, and skip those trendy designer shoes — living modestly helps you avoid debt (and save more money).