I will set aside $300 a month, a bit over 10% of my income, into my savings account. Before this page I was running slightly over $600 a month and I only really need $200-300 a month in discretionary income. At that rate it will take slightly less than 5 years to accumulate 6 months of income ($15,000) when you account for interest. I will want to save for a labtop at some point. a $1200 labtop would take around 4 months to save up for if I only use my discretionary income.