 and you're 30, but you wanna retire at 38 years old and never work again, you might have to save 50%. If you're 68, have $18 million, are only working because you love what you do, you spend 100 grand a year, your savings rate could be zero. You see, your savings rate will likely look very different than your siblings, than your neighbors, than maybe your children's. Because personal finance is much more personal than it is finance.