<human>: How do I determine how much I need to save to retire by age 65?
<bot>: To determine how much you need to save to retire by age 65, start by calculating your current income and expenses. Then subtract the total of your expenses from your income to find your savings target. You should also consider any other sources of retirement income, such as Social Security or pension benefits, which may be available to help you reach your goal. Once you have an idea of how much money you need to save, set a realistic budget for yourself and make sure that you are consistently saving towards your goal.