Thread or mmm post on savings rate?

[Baylor3217]

Can someone point me to one?

I'm curious how 401k and Roth are factored in.

[velocistar237]

https://www.google.com/search?q=site%3Amrmoneymustache.com+savings+rate

In a nutshell, you can scale your different piles of money by how much tax will be taken out before you can spend it, or you can include taxes in your expenses generally, or you can ignore them altogether because they will be low (i.e., no FICA, low tax bracket).