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multi_tasking t1_j3tj0rw wrote

Should break up your 401k savings & actual savings.

Hard to tell what you're actually saving when you include it. Assuming you both are somewhere around 6-8% of gross income to 401k, so you're only saving 3-5% of your checks, which could easily be doubled.

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johnnyB1994 OP t1_j3up9zb wrote

Yea I don’t disagree. Our average retirement savings rate was 8% and discretionary savings was about 3%. It’s our goal this year to add another 5% there, which shouldn’t be hard.

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