<prompt> Human: Take home Month 3600Age: 24YORetirement 401k Contribution month 620 Roth Ira Contribution 478Other budget Rent utilities food 1100 Insurance 160 Fitness 110 online services 45 Tithe 235 Misc 250 Restaurants 200Left over to spend 402 or 201 pay period  <response>: There are people on rfinancialindependence that have a savings rate between 50-70. Im in no way advocating that you save that much, Im just saying that theres no such thing as saving too much 