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In a perfect world, everyone would be maxing out their retirement savings and setting aside enough for short-term goals, like purchasing a home. In the real world, however, compromises must be made. Assuming that a 15% contribution isn't leaving a lot left over for savings elsewhere, it could be time for you to reallocate. As a general guideline, young professionals in their 20s should save 10% of their gross income for retirement.
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