I use YNAB to manage my monthly budget.
MMM's magic math says to save 50% of your income.
In YNAB, I have categories for all my monthly bills (rent, phone, groceries), and categories for all my saving-towards (new car eventually, christmas gifts, etc).
So for this month, I've tucked away another $100 towards a new car, $50 towards xmas gifts, $50 towards future car repair, etc.
My question: Does this form of savings count as "save 50% of your income"? In july I brought in $3,500 and spent $2,500. I didn't put any of that $1000 into my "savings" category - instead it's distributed across numerous "savings towards" categories.
I'm not sure if I should count this as savings, though, because it will be spent eventually, right? On the other hand, i'm not spending it now, which means I'm saving it, right?