However, amassing such retirement wealth is within reach for almost anyone — provided they take certain steps, financial advisors say. "You might think that, 'Well, I have to become a Silicon Valley entrepreneur to become rich,'" said Brad Klontz, a financial psychologist and certified financial planner. In fact, you can be a fast-food worker your whole life and amass wealth, said Klontz, a member of the CNBC Financial Advisor Council and the CNBC Global Financial Wellness Advisory Board. Every time you're paid a dollar, save and invest a percentage toward your "financial freedom," Klontz said. Saving such large chunks of one's income is a common thread of the so-called FIRE movement, which stands for Financial Independence, Retire Early.

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Persons: Goran Babic, —, Brad Klontz, Klontz, It's, Karen Wallace, Winnie Sun, you'll, Sun, He's Organizations: CNBC, Financial Wellness, Morningstar, Sun Group Wealth Partners, CNBC's, Social Security, Fidelity, Financial Independence Locations: Irvine , California