So for the first time, I calculated my current savings rate, basically by dividing "total savings" by "take home pay plus HSA/401k" and got almost 60%.
.... this makes me smile since it:
1) doesn't include company match
2) doesn't include overtime (will be entirely stashed)
3) doesn't include any bonus (will be entirely stashed)
4) doesn't include any tax refund (will be entirely stashed)
5) includes car expenses/replacement as expense (I budget 30 cents a mile to a car fund)
6) includes tithing
If I put modest estimates for a tax refund, overtime, and bonus compared to 2013 I get that percentage to be a bit higher than 70% (!). Including 401k match puts me above 80% (!).
I don't think this is sustainable indefinitely and I'm not really sure I should count an HSA as savings since I likely will use it periodically, but damn if these weren't some fun calculations this morning :)
Though considering I'm hopeful for a 10% raise/promotion in the next year... maybe it is more sustainable than I think.