[wtwo3]

These general guidelines saying "10-15%" of your net income are stupid.

You need to consider your own priorities, goals and objectives, and determine what fits your lifestyle.

"10-15%" is like the 1% rule in leasing - totally meaningless and is meant for people too lazy to try and understand basic math/finances.

Case in point - If you make 100k a year but have 0 debt, compared to if you make $200k a year but have half a million in debt - does the 10-15% rule apply equally to both scenarios?

It's all based on personal financial situation, risk tolerance, and priorities.