Assume you are 22 now and 30 years from now, you ll get 52. If you still are passionate enough that you can work after 50, then you ll save as below:  For first 10 years - Assume you save as a bachelor and married but without kid, 4k per month if you get 7k in hand 4*12*10=480 k  Rest of those 20 years after kids, you ll take a house and have a kids and you ll literally save nothing until or unless you sacrifice your chexx life with your partner and make her work in different stat