How much of my income should I be investing each month?

A widely cited target is 15% of gross income toward retirement, including any employer match, but the right number depends on your age and goals. Start by capturing your full 401(k) match — that's an instant 50–100% return you never want to leave behind. If you're starting young, 15% can comfortably fund a traditional retirement; starting in your 40s, you may need 20–25% to catch up. FIRE seekers often push 30–50%+. The 2025 limits give you room: $23,500 in a 401(k) plus $7,000 in an IRA. If 15% feels impossible today, begin with the match and raise your contribution rate one percentage point each year or whenever you get a raise — you won't miss money you never saw in your paycheck. Automate it so investing happens before you can spend it.