"[Y]ou may have heard at one time or another that it's smart to save one times your salary by age 35.... But now, Fidelity ... is recommending that people save one times their salary by their 30th birthday. By the time they're 35, savings should add up to double their annual pay. By 40, a retirement account should hold three times a person's salary. The numbers keep growing, all the way to age 67, by which retirement savings should add up to 10 times a person's pay."