That includes anything that’s pre-paycheck, which would include 401k and HSA in my case, but would exclude post-tax savings (I was imprecise in my original comm

That includes anything that’s pre-paycheck, which would include 401k and HSA in my case, but would exclude post-tax savings (I was imprecise in my original comment). Again, this is a rough rule that’ll typically be personally conservative, not a precise calculation.