<prompt> Human: Sorry for the noob questions. Im a late 20s guy with a job, and no idea how to go from comfortable job to actual retirement in a few decades. Do most people save a percentage of income? Or a particular amount? Im currently focused on student loans, but expect to have an extra 5K per month available once those are paid off.  <response>: Save what you can. The rule of thumb is build up savings first, then maximize tax-advantaged investment accounts 401K, IRA, HSA, etc. People say 3-6 months expenses is a good savings amount. 