If you’re earning ₦100,000 a month, aiming to save about 10-20% of your income so ₦10,000 to ₦20,000 is a reasonable and realistic goal. Saving more than that is awesome if your expenses allow, but it’s important not to stretch yourself too thin. You still need to cover essentials like food, transportation, bills, and occasional emergencies without stress. The most important thing is consistency saving a manageable amount every month builds good habits and a safety net over time, which is more sustainable than trying to save a big chunk all at once and struggling to get by.