Listen guys, in my years in the financial industry, saving comes down to one thing: discipline. In 95% of all the cases I see, there is a clear cut % that people are saving, whether they make 40k or 250k, it is always very similar. But I have seen some cases where people manage to put away obscene amounts of money who will be on easy street for the rest of their lives. The question you have to ask yourself is do I want to be struggling and grinding out a living for the rest of my life or do I want to be different than a vast majority of Americans and actually do something about it?