<prompt> Human: Do I need to be saving more, less or will I be fine? What do most people have saved by the time they hit 30?  <response>: No idea. Are you going to retire at 28 or 98? How much are you contributing each year? How much will you spend per year in retirement? Will there be any large expenses eg kids along the way? Are you investing the correct way, with low fee index funds? You need to build a model with some assumptions to know. 