<prompt> Human: I will be 30 this year, and all the advice you see online says that I should have 1 year wages in retirement by now. I am nowhere near that. I make 75k a year and I have 17k in retirement, and 18k for emergency savings.I even wonder how anyone can even follow that advice. Unless someones life went perfect, and they went to college right after high school, and then found a job right after graduating, then yeah, I can see how you could have 1 year wages saved at 30. But for the rest of us who had to work before college, and then graduated in our late 20s with a ton of debt, how are we supposed to do that?Currently, my school loans are paid off. I still have car payments which has 0 APR.  <response>: Dont worry about it.Retirement expenses are a percentage of working-life expenses.In other words, if you are used to living on a small percentage of your income because you have been aggressively paying off student loans, and you dont allow your cost of living to rise with your income i.e. you aggressively pay into retirement funds instead you wont need as much for retirement!See The Shockingly Simple Math Behind Early Retirement 