When you can't save that much
If you cant save 20 percent, you are not a failure. While everyone should aim for 20 percent, not everyone will hit the target on their first try.
Start small. Start with 1 percent. Slowly increase. Aim for higher, but if it leaves you stressed, scale back. However, keep the 20 percent goal in mind. When you get a raise, increase your saving rate.
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The popular 50/30/20 rule states that you should reserve 50 percent of your budget for essentials like rent and food, 30 percent for discretionary spending, and 20 percent for savings.
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