There are 2,272,000 millionaires in the country, according to Merrill Lynch. That means liquid assets, including stocks, bonds and mutual funds. Real estate is not included. So, about one in every 130 Americans is now a millionaire. How do they do it? Sometimes people inherit it, others start their own business and become a huge success. But most of the millionaires out there are great savers who started putting away money very early on in life. You can see how long it will take you to earn $1 million at the Web site armchairmillionaire.com. There are more important things than earning millions of dollars. But if you want to achieve this goal you will have financial independence and your life will be much more enjoyable. Owning your home free and clear is also a huge factor in reaching millionaire status. You can do it if you create a plan and stick to it.