Oh, I know what youre going to say: 15% is a lot of money! Wildly impractical for an average family! Impossible! And if your little family of 4 is living on $35,000 a year, Im sympathetic.
But most of my readers arent. You guys have enough money to save, which I can scientifically prove because your grandparents almost certainly lived on a small fraction of what you now do. And dont tell me things were cheaper, back in the good old days: in almost all cases their houses were smaller, less well heated, and entirely un-air-conditioned; their entertainment budgets were much leaner; their groceries heavier on the cheap and utilitarian and lighter on the tasty and expensive. They literally had about a quarter as many clothes as the ones bursting out of your closet. Their health care was cheaper because it sucked and they died quicker.