Looking at benchmark #2, it is focused on what you are saving for and how to save through aspects of life that you will spend on anyways--housing and transportation. Being intentional about setting a savings goal for you to purchase a home or even rent a home that you can then house hack will be the first component of this to look at. This simple rule will allow you to save and invest more than your peers. The second largest expense is typically your transportation. Buying a vehicle intentionally to ensure that the vehicle is either something you break-even on or one that even provides an income is key. This income will then allow you to put aside money into a Roth IRA early, in order to allow compound interest to work in your favor.