I always recommend at minimum that you save 15% of your salary to put into retirement accounts, although it potentially means 40 years of work. (If you start at age 25, you can retire at age 65. Fair enough.) Always take advantage of any employee matching programs, and contribute the minimum required to get the full match. There’s not a one-size-fits-all answer for an overall savings rate, so let’s talk about what works for your situation.