When it comes to managing money, I would advocate the following:

In your 20s, the reality is that bills to pay would make up a large part of how you spend your money. Save 10%, invest 10%.

In your 30s and 40s, investing should increase as you build up your investment component. Invest 30%, save 10%.

Then in your 50s, investing and savings dwindles as you prepare for your twilight years.

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