<prompt> Human: Im 27 and bring home 56k a year plus yearly bonus around 10k. Also receive around 400 a month doing random jobs here and there. Current spending985 rent380 car200 gas100 insurance100 internettv150 utilities 200 food 60 club membership 175 credit card payment 0 interest for 12 months- 1500 left to pay 220 Roth IRA I usually spend an additional 500 a month on different things. Rest goes into savings Take home a month is 3200I currently put 6 into a 401k company matches 6 It is around 20k right nowI put 220 a month into a ROTH IRA. It is around 5000. At the end of the year I will max out my IRA.I currently have 20k in savings. Any tips besides not spending so much on random stuff?  <response>: How much you should save for retirement is determined by when you want to retire. As demonstrated by the above article the only factor that matters is your savings rate.Youre roughly at 21 if you count the IRA as being full at 5500 every year and count the employer match so youre saving enough to retire in about 35-40 years assuming no other source of income. 