<prompt> Human: Aside from the main question...My profile:Im in my late 20s, have a great career, and earn in the mid 100K range. Ive never been fantastic at financial planning and Im curious to know your thoughts on the following:By 29, how much should one have at minimum in savings?What percentage of your gross income do you save?How do you allocate your savings i.e. Savings account, CD, 401k, longshort positions, buying a home, etc...?Thanks, Reddit!  <response>: Im 28, with 4k in a 401k, another 1k in savings, and 20k in student loans. Im MUCH closer to on par than 13374L who will be a millionaire by 40. 