<prompt> Human: -Jr.Engineer.1year-Living with family. No outcomes related home.-Paying student loan for Msc. 20 of monthly salaryI have been investing 4050 of my salary every month to the funds,gold and mostly stocks. Is this rate ok or am I too obsessive? Sometimes My friends say I am too young for investing and should spend more. But I rather choose to buy the stock of the firms I trust than buying a gadgets that wont really increase my quality of life but fun.  <response>: The younger you are the higher the benefit of every cent saved and invested, simply because it has decades longer to compound.a savings rate of 50 well invested in diversified index funds means you could retire in as few as 16 years. 