How Much Should I Be Saving?

Today’s Smart Money Question:

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“How much should I be saving?” It’s one of the most common financial questions, and the answer isn’t always simple.

The right saving strategy depends on your income, debt, lifestyle, and long-term goals. In this episode, Matt shares the framework he uses with clients of all ages to answer this timeless question. No matter your age or stage of life, the real first step is knowing where your money’s going.

He discusses how to segment your budget into essentials, lifestyle, and bucket list goals, then align those categories with your savings. You’ll hear practical tips on maximizing 401(k)s (including Roth options), leveraging HSAs, keeping outside investment accounts for flexibility, and setting emergency funds that fit your comfort level. Matt also explains the difference between good and bad debt, saving for kids’ futures, and why estate planning should be part of your strategy at any age.

Here’s some of what we discuss in this episode:

• 💵 How to segment cash flow into essentials, lifestyle, and bucket list goals

  🏦 The role of 401(k)s, Roth accounts, HSAs, and brokerage accounts in saving

  📝 Estate planning non-negotiables

  👨‍👩‍👧 Saving for your kids (including a 529 plan and brokerage accounts)

If you are interested in any of the topics we discussed, please reach out and we would be happy to help you navigate your financial situation.