After long years of hard work, you’ve certainly earned your right to a happy retirement. You may have already started daydreaming about it. But in order to make those dreams come true, there are a few smart things you need to do as soon as possible to make sure you build your retirement fund and live your golden years happily ever after.

Saving for retirement might not be a priority right now but if you want to turn your salary of $50,000 or less a year into $1 million by the time you retire, here’s what you should do: