text:  a 30- or 35-year career. Now, here's the thing. If you're closer to retirement, maybe you don't have 30 or 35 years in front of you to make changes like this, you might have to do a little bit more than 1%. So we always say you want to be around that 15% target for as long as possible if you can. That tends to be a pretty good number that allows you to save a meaningfully valuable nest egg to live off of. But you got to start somewhere.