i save 2k per month, but that isn't counting the 50k in stock I save annually or the 27k I put in 401k using my bonus in January, or gains. Simply, I have 2k in cash after (base salary * taxes) - donations and expenses. I put all of this directly into mutual & index funds, and a 2.25% savings account.
I want to achieve about a 6% return annually, so I look at the risk levels over 15 years and see that certain mutual funds get about 3%, 5%, and 9.5% returns, and the savings is guaranteed at 2.25%, and I allocate percentages of my savings to each account such that if they perform as expected I will achieve 6% annual over 15 years
No plans for early retirement. We see in our early 30s- kids (and resulting inflated expenses) will be here soon. Been focused on earmarking as much as we can for retirement so compound interest can work it's magic over the coming decades.