now for investing it's hard to compare averages on something that grows significantly through your lifetime but if you're interested in estimating how much progress you could make down the road make sure to check out Ramsay's investment calculator it will give you a great idea on where you're headed and so savings and investing again this has to be a part of your financial plan and it is going to help you I mean it really is there's something there when you have cushion in life it is just gives you peace it does