 if you have ten thousand dollars a month or five thousand dollars a month or even two thousand dollars a month try to spend less ten percent less than that put the other ten percent in the savings account and use it for the big purchases you're gonna have to buy tires for your vehicle you're gonna have to put a roof on your house you need to not live all the way up to your paychecks otherwise you will not have savings so yes you don't need to save for retirement you need to save in retirement and again