<prompt> Human: 1. Where does the saving 15 of salary for retirement come from in the flow chart? Why not 20, 25, etc.?2. Does that include 401K IRA or is it only 401K?3. Am I missing out on certain investing routes or liquidity by saving over 15?  <response>: 1 Its based on general trends and typical expenses. Like if you contribute 15 of your 50,000 salary from age 25-65 and get 5 returns a typical inflation-adjusted return, your balance will be 900,000. This allows for 36,000yr in retirement 4 of balance which should last 30 years or more. This allows you to live on 85 of your 42,500 after-retirement-savings salary, which is a pretty typical guideline.2 All accounts that youre using for retirement doesnt even have to be tax advantaged. Most people dont have access to 401ks and even fewer contribute to them.3 Good question... I cant think of any investing routes cut off my investing more. Liquidity, of course - the money is tied up until you reach certain ages. 