I see your point, but I also don't think it's crazy to calculate effective savings as net wealth contribution over net wage income, which seems to be how she's

I see your point, but I also don't think it's crazy to calculate effective savings as net wealth contribution over net wage income, which seems to be how she's thinking about it. Actually, to me, savings percentage isn't important as a bottom line number. It's just a helpful intermediate number for understanding cash flow. I'm much more interested in net wealth contribution and how that dials up to future plans involving large sums of money (e.g. moving or expanding house, education, letting go of wage income, major philanthropy, estate plans, risk management).