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How Much Money Should I Have Saved by 35?

By Robin Hartill, CFPUpdated May 5, 2025 at 2:34 PM | Fact-checked by Frank Bass

Key Points

  • A common recommendation is to have twice your annual salary saved by age 35, but most 35-year-olds fall short of this recommended target.
  • If you have less than the recommended savings at 35, prioritize enhancing your emergency fund to six months of expenses.
  • Focus on paying off high-interest debt while steadily investing in a retirement plan like a 401(k).

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