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So while these percentages and other stats can sometimes be useful, I wouldn't place much emphasis on them. I would hate for someone to feel discouraged because they thought they weren't hitting the mark, or for someone else to feel complacent because they thought they were ahead. The only person you can reliably compare to is yourself: how are you doing vs. how you did in the past?

I agree - thoughts to think about.

I don't include employer match - because I'm not actually putting it in - I consider it a bonus to my savings - but not my personal savings rate.

Additionally, there are many people paying huge % amounts towards debt - which also can be considered "savings" as they are increasing their networth.

And, we are starting to buy rental properties again - while the 20% down we put I don't count towards savings, it's still increasing our networth.

Additionally, I squirrel away lots of other income - we currently have a roommate - I put their portion of the rent/utilites directly into savings and don't count it in our budget, DH performs (and is paid) and I do websites/databases - and that full amount is put directly into savings - and when figuring my % rate, I don't count that income (just cause I never know what it will be until we do our taxes).

So, while our "savings rate" is 15% - if we count all the factors: employer match, debt payments, real estate down payments, etc - we are "saving" over 65% of our gross income.

Wow - thats an eye opener.


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