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How Much Should You Really Be Saving for Retirement?
Matters Most, Multicomplexity Tyson Garfield Matters Most, Multicomplexity Tyson Garfield

How Much Should You Really Be Saving for Retirement?

How much should you really be saving for retirement?

The common advice is to save 15% of your income, but the right number depends on when you start, how long you invest, and the kind of life you want to build. Using median U.S. salary data and a projected world stock market return, this post compares three savers who start in their 20s, 30s, and 40s.

The takeaway is clear: starting earlier can outweigh saving a higher percentage later.

But retirement planning isn’t only about maximizing your account balance. It’s about building both your wealthspan and your healthspan—so your money supports the life you want now and in the future.

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