Saving depends on your personal expenditures. It doesn't matter how much you earn, if you spend all, no savings at your hand !! Followings are some of the cases:- i. If you are sharing room and expenses, you may save upto 6000 dollars in San Francisco (providing 1000 per month rent shared by two people) ii. If you stop yourself going to Indian restaurant everey weekend, you will save additional 2000 dollars iii. If you don't own a car and no monthly payment and insurance hassle, you will save another 4000 dollars a year. So, it all depends on your expenditure. How much are you have to and/or willing to spend... This is just an exmple, you can add more and more like this