Looking at pre-tax saving rate for high income individuals in California is useless - top marginal tax rate is ~53% so often it's mathematically impossible to s

Looking at pre-tax saving rate for high income individuals in California is useless - top marginal tax rate is ~53% so often it's mathematically impossible to save 50% pre tax. Looking at saving rate post tax makes much more sense. Though you should always utilize 401k, 529k and other tax-efficient methods to save of course.