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Hi there. I am a young, single woman who is faced with some tough decisions about my own retirement planning. It's "open enrollment time" and I need to redirect my investments.

First off, I'd like to hear what percentage of your incomes you Fools save, and why.

I figure this will give me a place of reference from which to make an educated decision for myself. I've been saving 10% pre-tax, then an additional $2K post-tax in a Roth IRA, per year. This is a tidy sum for someone of my age and situation; however, it is tough for me to do both.

I need to face facts: retirement is a long way off and there are some more immediate concerns. I hate to do this, because I am in love with the power of compounding, but I think I will need to REDUCE my retirement savings... and instead build an emergency fund. As long as I still save SOME for retirement, I figure I should be OK.

Also, what is an average percent of income needed in retirement?

I've heard 50%, 60%, 70%. I know that amount will vary, but I want to hear first-hand accounts. Thanks!

I've got $1300/mo rent, student loans, and a (fairly modest) car loan, and it is hurting me. I wish I could give up the apartment and rent a room for half the price, but life would hardly be worth living if I had to monitor every stray hair I left on the floor, etc. I figure, if I am a working adult, having my own small apartment (1 bedroom) is not SO much of a luxury.

Any tips, advice, or other Foolishness is greatly appreciated!

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