According to Fidelity Investments, one of the largest platforms for retirement plans, there are nearly 400,000 retirement accounts worth at least $1 million. That number is up 40% over last year.

It's a testament to the wealth-building power of investing in the stock market and keeping a long-term mindset, letting compounding do the heavy lifting. But becoming a millionaire isn't a coincidence. It takes a methodical approach and a specialized account, such as an individual retirement account (IRA).

Here are the secrets the wealthy use to build the type of nest egg that can make your golden years shine.

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Source Fool.com