This is exactly why i said at first that the amount one saves up for retirement depends on one's earning and lifestyle. A person with an average earning and an average lifestyle can save up to 25% of his or her earning. Whereas, a person with an average earning and a big lifestyle cannot save up to that amount.For someone to save 25% of his/her income means that the amount that such person is earning is very huge. To me ,25% is way too much if you have a lot of responsibilities just like I am . I would recommend from 5% to 10% since you're saving for the future and it will take a long time.