2 Likes
obligatory Simpsons gif
2 Likes
I finally have 12 months of data from 11/1/2024 - 10/31/2025.
Savings rate of 48.0%. A bit more than I thought, actually.
2 Likes
I know it’s hard to define savings rate with taxes and all that, I think as long as you’re consistent this is a good directional type of metric. 48% is pretty bonkers, nice job!
In the past I’ve looked at my W2 and used that as a proxy for net income as the denominator in my estimated savings rate. I hit >50% in 2019, and then we bought an old house, lol. I was more like 35% for a while, I think for 2026 I’ll be in the mid 40s.
1 Like
I’m defining as: (Money into 401k/HSA/IRA/brokerage) / (Gross income). Would exclude mortgage overpayments, but those were minimal this year.
2 Likes