Hello, I'm curious about personal finance and savings goals. Can you help me understand how much savings I should aim to have by the time I'm 35? I've heard different opinions on this topic and I'm trying to find a reasonable benchmark. Should I aim for a specific dollar amount, a percentage of my income, or perhaps a multiple of my annual expenses? What factors should I consider when determining my savings goal, and how can I adjust my plan if I find myself falling behind?