<prompt> Human: Long time lurker. Have certainly grabbed some useful advice from this forum and read through the sidebar info. Just looking for general advice on what I should be attacking with my income.Im currently 35 and am now making 130k annually as of a year ago. My rent is about 1,400 a month which wont be changing anytime soon for various reasons. I only have 50k in my IRA. My company doesnt match 401k. I also still have 30k in student loans at around 3.3 interest. I pay off 225 a month.I also have only 10k as an emergency fund.Feeling a bit worried about my retirement fund as I get older and just wanted to get some outside advice. Happy to provide more info if needed. Thanks a ton.  <response>: To maintain lifestyle in a similar cost of living area, the benchmarks are typically 1x gross by 35, 3x gross by 45, 8x gross by 55, 25x annual expenses by retirement.Are you behind? Arguably, but youve also got 30-35 years to do something about it, so the situation is far from hopeless. Retirement saving is pretty simple: you need to be putting 15-20 of your gross earnings, minimum, in investments during your prime earning years between 30 and 50. If you can bump that up higher, the higher the better and the earlier youll have greater security and the option to retire.You make 130k per year. A good target would be 26k per year into retirement investments. Can you make that happen? 