Just a quick question, I'm trying to rap my head around this savings rate calculation. In order for my wife to work, we need to pay for child care. Her hourly wage, $50/hr for 8 hours a day more than covers the cost of child care ($60/day). Child care is obviously an expense and I'm guessing it should be added as an expense when calculating savings rate, correct? But then how should I think about it when it comes to how long it will take to retire... my point being that we won't need the expense of child care once we retire.