<prompt> Human: Hi,Ive read about this idea multiple times save 10, spend 90 , but Im not sure about how it works in practice.Is anyone here doing this?Do you feel like 10 is enough to provide you with long term wealth a retirement fund?What do you invest that 10 in?  <response>: 10 is kind of the bare minimum if you want to be able to retire before youre too old to work. I save 14 in my 401k and also max out a Roth IRA and HSA every year. Between all that and employer matching, Im closer to 30 just going to retirement savings and Id like to get that even higher. Every time I get a raise or something like the tax cut, I increase my 401k contributions by at least 1. Then I save about another 20 for shortmedium term goals like vacations and a new car, and a down payment on a house. 