I looked to see if this has been asked in the thread, and I couldn't find any discussion on this question.
Perhaps I'm just missing something really basic. I'm having a hard time understanding how the Monthly Savings Rate is calculated, whether it's Pre-Tax or Post-Tax.
Because I have pre-tax deductions like 401k, HSA, ESPP, etc., a lot of my savings are pre-tax but if I'm reading the formula correctly, pre-tax (tax-deferred) and post-tax (unallocated cash) are all in one bucket.
Questions are:
1. How is Monthly Savings Rate calculated: Pre-Tax or Post-Tax?
2. On FI page, similar question...if I mark "Use All-Time" it looks like the cell is pulling data from the averages vs. actual from the monthly pages...would these calculations always be Pre-Tax or Post-Tax?
As a side note, this sheet has changed how I plan for my future financially, in so many ways. I can't think you all enough for all the hard work that has gone into this. THANK YOU!!!