Open a high interest savings account. Start a direct debit from your ordinary account, any amount, whatever you think you can afford.
Don't get hung up on formulas or set amounts like 10% of your pay. Concentrate on getting into the habit of saving. $2 per week equates to $104. It all adds up.
And you may find one you have started, you might find areas to scrimp on that you can then add to your tally.
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