How Much Should I Be Saving Every Month?

One of the most practical and popular questions I get is, “How much should I be saving every month?” People love a rule of thumb, so here it is:
If you can, aim to save 15 percent of your income toward long-term goals.

But let’s be honest — not everyone can start at 15 percent. So start where you are. If that’s 5 percent, great. Increase it slowly and consistently. The habit matters more than the starting point.

And remember, “saving” isn’t just retirement. It includes:

• Emergency savings
• Mid-term goals
• Investing for your future self

What really matters is alignment — your savings rate should match the goals you’re trying to reach and the time you have to reach them.

So how much should you save?
Enough to move you toward the life you actually want… and enough that your future self says “thank you.”