my financial report card

based on Fidelity's age-based savings guideline: by 30 you should have 1x your salary saved, by 35 2x, by 40 3x, and so on. your total savings is compared against that target for your age and income. it's a rough benchmark, not a grade - everyone's situation is different.

20% of your gross monthly income, based on the 50/30/20 rule (50% needs, 30% wants, 20% savings + investing). this is a widely-used starting benchmark - more aggressive than Fidelity's 15% guideline (which includes employer match), but a great target to aim for. if you have high-interest debt, tackle that first before hitting this number.

6 months of your monthly expenses in liquid, accessible cash - enough to cover job loss, medical bills, or any surprise without touching your investments. stable W2 employees may be fine with 3 months; freelancers and self-employed folks should aim for 6 or more.

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