<prompt> Human: So Im reading thru Fidelitys online planning tools, and stuff online. Everywhere it says this is what you should have:Age 30: Your annual salary saved. By age 35: Have twice your annual salary saved.By age 40: Have three times your annual salary saved.By age 45: Have four times your annual salary saved.By age 50: Have five times your annual salary saved.By age 55: Have six times your annual salary saved.By age 60: Have seven times your annual salary saved.By age 65: Have eight times your annual salary saved.How is this possible, if lets say at age 21 when you start working, youre making 22,000yr. Then at 25 youre making 40,000yr, age 30 youre at 100,000yr then 35 160,000yr? These substantial raises as you progress make it seem kinda far fetched because at age 35, you should have 320,000 in retirement funds saved, but you hadnt even made 325,000 total for your first 8 years of working.  <response>: Well, thats an atypical meteoric rise. Im 37 and nobody has paid me 160,000 yet. But anyway, these things are just a general rule of thumb. Save 15 to 20 of your income each year for retirement and you should be in pretty good shape. 