re: Here's how much money you should have saved at every age

That is great! I don't think that it is not possible but there are plenty of factors that these "estimates" don't necessarily take into account.

If you are hitting these figures, you are probably in the top percentiles of savers in the country. I am close now but will be there by 40 and hoping to be there by 35. By 40, I should have the goals set up for the 50 year old. At least, that is what I am shooting for.

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We have kids, private school tuition, starting jobs were $30k and $40k, we have car payments, travel, and spend on other "discretionary" stuff. And we're hitting these goals. Only thing not on your list was college debt.

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OK so on $70k...
-20% conservatively for taxes/social security. So -$14k (I'm no tax expert)
-$12k mortgage (if $1000/month)
-$4800 car payments (if combined $400/month)
-$2400 car insurance (if combined $200/month)
-$2000 gas (combined vehicle gas for the year)
-$3600 health ins ($300/month)
-$3600 utilities (if $300/month for internet, tv, electric, sewer, gas)
-$1200 cell (if combined $100/month)

So that puts you at $26400 before you even go to the grocery store or eat. But you say you are "hitting those goals" including the saving 25% of gross in your 20's?

That's another -$17500 so now you're at $8900 left for the year for all groceries, eating out, travel, private school, discretionary spending, EVERYTHING. I just don't see how it's possible. I don't think my numbers used were outrageous either...