Want to retire as a millionaire? According to Maria Bartiromo and this Ramsey Show host, you need to follow this 1 rule

Investment Opportunities - Gold prices have surged approximately 60% in 2025, significantly outperforming the S&P 500's mid-teens gains, making gold a viable option for retirement planning [1] - Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, combining tax advantages with the protective benefits of gold investment [7] Retirement Savings - Around 56 million Americans work for employers that do not offer any type of traditional retirement or pension plan, highlighting a gap in retirement savings options [2] - Nearly 50% of Americans are not saving for retirement at all, with only 62% of Americans in their 60s believing they are saving enough [5] - A survey indicates that Americans believe they need $1.49 million to retire comfortably [6] 401(k) Contributions - It is recommended to contribute to a 401(k) up to the company match, which can significantly enhance retirement savings over time; the median match for plans managed by Vanguard was 4.0% of annual income in 2024 [3][4] - Consistent contributions to a 401(k) and avoiding withdrawals, even during market downturns, are essential for building wealth [9][15] Financial Planning - Younger individuals are encouraged to adopt a long-term mindset regarding retirement savings [8] - Consulting a financial advisor can help individuals align their financial goals with their investment strategies [12][13] Investment Strategies - Starting early and regularly contributing to retirement accounts is crucial for wealth accumulation [15] - Research indicates that missing the best days in the market can significantly reduce potential returns, emphasizing the importance of staying invested [14]