Hi Folks,

I've spent quite some hours working on spreadsheets and reading many posts and websites but I'm still having a hard time with calculating my basic savings rate.

I think my situation is pretty straightforward, here are my particulars:

I have a 401k which I'm maxing out every pay period at 18%.

A Roth IRA which is maxed out, I usually pay into this after my tax return once per year.

Taxable account which I intend growing steadily with my biweekly salary into US & INT stocks.

I have worked out all the household outgoing expenses per month.

A sizable savings account which I'll be transferring into my taxable investments very soon.

I'm mostly getting confused with how to incorporate my 401k and IRA into the calculation. I'll be 59 in 20 years so I won't be seeing the benefits of those tax efficient accounts until then. However I'm compelled to be FI way before then if possible.

Also what do I do with the taxable capital in the calculation?

The MMM The Shockingly Simple Math Behind Early Retirement makes it sound pretty easy, but I'm not getting anywhere with figuring this out.

Any help would be much appreciated.

Thanks, TS3