To people include retirement accounts in their sav...
# financial-independencea
acoustic-sunset-40897
09/01/2023, 4:56 AMTo people include retirement accounts in their savings rate?
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curved-toothbrush-84425
09/01/2023, 1:29 PMYes, if retirement isnt savings what is?
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m
mysterious-tomato-10057
09/01/2023, 3:24 PMI don’t calculate a savings rate, bc it doesn’t provide a value besides for comparing yourself to others (which I think isn’t healthy), but if I did, I would definitely include it.
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bumpy-minister-26192
09/05/2023, 1:30 AMSavings rate is also good to know how much of your salary you're actually using for expenses vs how much for savings. Maybe better to calculate your "expenses rate"!
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mysterious-tomato-10057
09/05/2023, 1:31 AMBut there is nothing actionable you can do with that. As long as you are saving enough to cover all your future goals it doesn't matter how much you are spending.
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limited-apple-99042
09/27/2023, 1:24 AMI save outside what I automate from my paycheck and 401k match, and that’s the number I think of when I think about my savings rate, but if I’m accounting for all income and expenses, for sure it gets counted.