Some financial experts recommend saving 15% of your income (a combination of your personal contributions and your employer contributions). And while that’s a good goal, it may or may not be feasible for you right now, and that’s okay.

The key is to start where you can and continually increase your contributions over time until you achieve your goal. GuideStone Advisors suggest starting at 10% of your income, then making percentage increases annually. We recommend you save a percentage of your monthly income instead of a flat dollar amount. That way, if your salary increases, your contribution amount will also automatically increase.

For more guidance on how much you should contribute to your retirement, please read our article: “How much should I contribute to retirement?”