That would be one of the places wages are allocated after they are received. It is not relevant to take home pay. And of course retirement saving are stunningl

That would be one of the places wages are allocated after they are received. It is not relevant to take home pay. And of course retirement saving are stunningly in adequate for the vast majority. Likely because anyone who wants to save has to compete with people who don't and will work for a lower salary. It should also be noted that in the past, employees frequently received pensions which rival their take home in total value. And even though pensions have disappeared, wages remain flat.