set a high but attainable percentage goal for savings. if you're making typical programmer salary at a young age with no major expenses it isn't impossible to

set a high but attainable percentage goal for savings. if you're making typical programmer salary at a young age with no major expenses it isn't impossible to save 50% of your paycheck. Just remember: once you can afford a down payment you recoup a huge amount of your own income by investing it in equity instead of throwing it away.