What Am I Actually Saving?

Most people have no idea what they spend — it just evaporates from the account. But you usually do know what you save on purpose. Name those, and we'll turn it into a real number.

A rough read, not advice. It treats your 401k percent as a share of take-home (close enough for a gut check) and counts only regular, deliberate saving — so it's a floor, not a ceiling. The point is a realistic number to start from, not a precise audit.