While there's no one-size-fits-all answer to this question, here are some things you can do to maximize your retirement savings.

See if your employer matches contributions to retirement savings plans. If they do, set up an automatic contribution for an amount you feel is appropriate. 10% of your income is a good target, but any amount you're comfortable with is best.

Invest in a long-term tax-sheltered account and don't withdraw until you're ready to retire. This will protect any earnings from income tax until you retire.  Once you've retired, your income will likely be lower so you won't be taxed as heavily on withdrawls.

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