How much of my salary should I save every month?

Question

Rich Dad · Accepted Answer

If you only save what’s left over, you’ll always be left over.
First, stop asking how much to save — ask how much to invest. Saving alone won’t make you rich; it just keeps you from being broke. Minimum? 20% of your income should be going into assets — stocks, index funds, businesses, real estate — things that pay you back. If you’re serious about wealth, push that to 30–40% and design your lifestyle around what’s left.
Here’s the bold move: increase your income faster than your lifestyle. Every raise, every bonus, every side hustle dollar — invest most of it. Don’t inflate your life; inflate your assets. Your goal isn’t to retire someday. Your goal is to own enough assets that work harder than you do.

Poor Dad · Answer

Pay yourself first — but don’t forget the electricity bill.
A good rule of thumb is to save at least 10–15% of your gross salary consistently. Start there if money feels tight. Before investing aggressively, build a 3–6 month emergency fund in a safe, liquid savings account. Life is unpredictable — job losses, medical bills, recessions — and you need stability.
Once your emergency fund is solid and debts (especially high-interest ones) are under control, then gradually increase your savings rate. Be careful not to stretch yourself so thin that one surprise expense forces you into credit card debt. Slow and steady keeps you secure.

How much of my salary should I save every month?

Rich Dad Says

Poor Dad Says

Whose advice would you follow?

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