Did a quick search, and I'm sure it's been discussed here, but I didn't see what I was looking for. If I have a $1000 mortgage principal and interest payment and $600 for that month is principal, do I count that $600 in my savings rate?

Is it just a question of if you're counting home equity in your net worth or not? I guess if you are, then you would count the principal amount as part of your savings rate?

I tend to lean toward not counting it, but I see such high savings rates and wonder how they are possible. People with 50+% savings rates, does that count monthly mortgage principal?