If you're under 30 years old, your goal should be to save 20% of your monthly income after tax deductions.

如果你还不到三十岁，那么你的目标应该是将每月税后收入的20%用作储蓄。

If you're under 30 years old, you goal should be to save 20% of your monthly income after tax deductions. This is irrespective of how much you earn.

如果你在30岁以下，你的目标应该是把每月扣除税款后收入的20%存起来。这与你挣多少钱无关。