save 15% of my salary for retirement

“Don’t allow money to pass through your hands without saving 10% for tithes and 10% for savings (retirement?)”

Should 10% of pass-thru money (non-salary money, since I don’t have a job) be placed in accessible savings or inaccessible retirement acct? Half and half? 1/3 and 2/3? :) that gets a bit ridiculous-probably 3 years ago

This goal is actually on hold until I pay of my debt, but I want to keep it in sight. 5 years ago