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St. John & Partners is searching for full time
1. Copywriters with retail experience to work on our furniture brand. Junior or senior...just have to great to work with... strong super collaborative team, so no buttheads or big egos should apply. 😂
2. Sr. UX Designer
3. Freelance AD andWriters with tv experience
4. Freelance Broadcast Producers!!
Send resumes and your super skill info to celiaweeks@sjp.com
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Chief
30-50%
Chief
For me it’s post tax.
15% to retirement is the standard baseline if you plan to retire at 65. Beyond that, it depends on your goals. Personally I’ve been saving around 40% of my gross income since I started working full-time (maxing tax-advantaged accounts and then brokerage/I-bonds for the rest). I don’t have kids and have relatively simple tastes so it hasn’t really been a sacrifice and I appreciate security/flexibility that it’ll give me in the future.
15% over a steady lifetime of employment is a good baseline. More than that is prudent against the possibility of employment hiccups, unusually low market returns or the chance to retire early or with more.
It is easier to dial back in the future than to try to catch up should you find yourself behind.
The real answer is to save as much as humanly possible as early as possible.
I saved as much as possible and it is incredibly freeing mid-career to be able to walk away if needed.
Following. I currently put 20% in savings and 15% towards 401k. Interested in hearing general perspectives.
Rising Star
For me: 90% when I was single
Early part of marriage: 70%
After having kid: 50%
Kid started school: 20%
All based on post-tax. Yes, we will FIRE.