I can't save 15% for retirement but analyze: realistic for me? Map retirement saving: 15% rule vs. my income vs. other priorities. Calculate: saving 15% vs. what's actually possible vs. something vs. nothing. Show me the retirement reality: some retirement saving beats none. Give me the truth: save what I can even if less than 15%. Include: whether 15% is realistic, what I can actually save, if something is better than waiting.