In your 20s
How much should you have saved for retirement? There's actually a simple answer to that. You'll need to start with a bunch of basic assumptions, but all you really need to know is your income and your age.
Let's take a look at hypothetical Joe, who is hired straight out of college. By the time he's 25 years old, he's making $40,000 a year. He should have $4,000 socked away in his retirement fund, if he wants to retire at age 65.
How you can get there: Make sure you're contributing enough to your 401(k) to get the full match from your employer.
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