<prompt> Human: I have a feel good story I thought Id share. A friend of mine was telling me that saving 15 of her income was the easiest thing when she was working and that it did a lot of heavy lifting for retirement.Well she started at costco at 18 and didnt go to college. She started saving 10 for the first 2 years then 15 from years 20-38, she only ones part-time now because of her kids. She maxed out at 50kyear and has always saved 15 of her income and shes 39 and has 300k in her 401k. Shes now set for life even if she never saves again. All the early saving did it for her.She said I always tell people starting out to save 15 of their income and itll do it for them. But most people never do. She looked at me and I said no worries were fine.We missed saving in our early 20s and so we had to save A LOT more money to make up for it. Were still socking it away because of it. But the compounding works!  <response>: I think the point of all this is that starting early is important and 15 is a reasonable number, even if you arent a high earner. Get in the habit, cut spending as much as you can when young to be able to scrape up that much early on. It really is easier if you get used to living below your means. Automate your savings as much as possible. I would guess the friend isnt going to stop saving in her late 30s, but is going to continue adding to her retirement. 