<prompt> Human: Ive read a lot of other posts on this sub and a lot of people tell other that their goal right now to start should be 15-20 combined savings going towards their retirement. 401k, Roth, IRA, HSA, etc.But I am unclear if they are referring to that of your salary or your take home after taxes? For example, I make 73,000 a year. I have a 401k and a Roth I would like to max each year. So how do I determine starting out if I wanted to meet the 15 since the 401k is pre-tax and the Roth is post-tax?  <response>: Just do 15 of pre-tax, or 15 or post tax. That way youre essentially saving the same amount. 15-20 is just a guideline anyways. Thats what they suggest you save to retire in your 60s, you can always save more and retire earlier. Heres a classic article on the subject. 