How Much, By Age

You've probably seen the "you should have X saved by age 30/40/50" charts. They're not wrong, exactly — they're just generic, and generic doesn't know about your student debt, your kids, your income, or the five years you spent self-employed with no benefits.

These benchmarks are here to give you a rough sense of direction, not a grade. If you're behind one, that's information, not a verdict.