<prompt> Human: Okay, so, Im 35. And Ive read in a bunch of places that I should have one times my annual salary saved for retirement by now. The thing is: my salary has changed so much over the past few years that i dont know what figure to base that on or whether Im doing okay.I have just a tiny bit more than 1X my salary from when I was 32. I have 87 of the salary I made at 33, 71 of the salary I made at 34, and 44 of the salary I now make.Is that enough? If not, how do I catch up without putting like half my salary into my 401k - especially since I need to save up a ton of money 100k if i want to do 20, so... like 83k more than me and my fiance have in savings right now for a down payment on a house?  <response>: These sort of rules are based on maintaining the lifestyle you currently have. Right now it looks like you on track to maintain the lifestyle you had a 32, not what you have now. So if you want to maintain what you currently have you need to save more to catch up. 