Human: How do I determine how much I need to save to retire by age 65? Assistant: 
To determine how much you will need to save for retirement, start by calculating your desired retirement income. This can be done by multiplying your current annual salary by the number of years until you plan to retire and dividing that amount by your expected annual expenses in retirement. Then subtract any other sources of income you may have, such as Social Security or pension benefits. Finally, add an additional 10-15% to this amount to account for unexpected costs during retirement.