<prompt> Human: I came across the below link for how much you should have saved up for retirement by now. Quite frankly, Im concerned I am nowhere close to where I should be. I turned 28 in October and my annual salary is 47,500. This chart tells me I should have 20k saved by the age of 30, and I only have 3,500 in my Roth IRA. Im also currently contributing 400 per month. I just feel like I never had a financial education growing up, and Im now paying the consequences because I never saved a dime growing up.  <response>: Savings recommendations are a dime a dozen, so dont put too much stake in them. Save as much as you can as early as you can. 