Construct a rough retirement budget . Adjust the average social security check of 1422.00 at 2% inflation until your retirement date. Do the same with your expenses. Determine the difference between expenses and income and then calculate how much you will need to have saved at retirement using both 15.00 and 20.00

Using both numbers determine how much you need to save each month starting at age 25 and also at age 35. Assuming a 9% return.