I must save 20% but analyze: realistic for my income? Map savings expectations: 20% rule vs. my income vs. cost of living. Calculate: forced 20% vs. what's actually possible vs. guilt. Show me the savings rate reality: percentage depends on income and location. Give me the truth: save what you can, not arbitrary percentage. Include: whether 20% is realistic for me, what my actual savings rate should be, if location matters.