...”at least” 20% of your take home pay (after taxes)...work up to this via pay raises is the least painful method...

...concentrate your investment in “index” mutual funds (Vanguard or Fidelity or ??? is your choice) (that way when Coke decides white people are too white, you won’t suffer needlessly)...be cognizant of fees...

...use following percentages:

US funds: 28.5% International Funds: 23.5% Emerging Market Funds: 13% US Real Estate Funds: 20.5% US Bond Funds: 4.5% Emergencies/dry powder/cash: 10%

...do this with the goal of using annual dividends as ALL of your income in retirement...

...as the US succeeds or fails (long term), adjust your percentages accordingly...

...this is a “longevity portfolio” and not a “become wealthy portfolio”...