<prompt> Human: I take home just under 2,700mo and also have some additional fairly reliable income, but like to use that money to travel. I have a 780 mortgage and have been paying 880. I have 3,300 left in student loans, 125 monthly payment, been paying 200. No car payment, no credit card payment. Ive been putting 275 in an IRA, but dont have a 401k through work. How much should I be saving for retirementnest egg?  <response>: 1st - Get rid of all that debt. Pay off your student loan. You should be able to pay it off in less then six months if you save.2nd- Max out your ROTH IRA EVERY YEAR. This year, the max is 5,500. Once you have taking care of those two things. I would estimate that you can probably save approx. 1000 a month if you dont have any major expenses broke down car, major purchases etc or repairs to your house. 