Not enough judging by these, though I know these threads slant towards ppl who save more!

Just over $300k. Gs-14 and gs-15.

Each save the max in Roth TSP (post-tax income, tax-free upon withdrawal)

Each do max Backdoor Roth IRA

$8k to 529 for one elementary DC (this I will increase due to the college cost increases and market drops; thought we were ahead due to some savings before DC born and somw grandparents contributions, now not so much)

$1050 from each two weeks payday (total, both of us) to taxable brokerage ETFs.

We also pay car repair, home repair out of our monthly income that is in checking. Then sweep money to brokerage if extra. I was sweeping lots during the pandemic with few expenses. Now many of our budget items are more expensive w inflation, same as everyone. The percentage saved varies year to year.

Anonymous wrote:

Anonymous wrote:~400k combined income
$41k 401k (max)
$12k IRA (max)
529 already funded to what we believe will cover in-state public school in 10 years
~ $145k to investment funds (less in years with home improvement projects)

This. Saving at least 50% of pretax income is a must to financial success without family money, no matter your income.

Disagree as 50% of 400k is a lot different than 50% of 800k. Would say you need to be saving six figures a year if you don’t have family money to have some financial success

$550k HHI
Saved about $125k this through 401k and all of net bonus

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have $400K HHI. We easily save around 250K. We live well but below our means. We have no debt. And our house is in a not expensive neighborhood.

That's stupid. No you don't. That's like the entirety of your post tax income. So unless you live in a tent and dumpster dive your food, you are full of it.

This is entirely possible. We make around 350k and save 220k counting all of the retirement with 6% employer match, equity saving of three properties, max IRAs, Ibonds, 529 and cash.

If you're counting the equity saving of the properties on the savings side of the ledger, are you also including rents and appreciation on the income side? Because it's not entirely obvious how you can get to a 62% savings rate unless you're including the rental savings but only W-2 income.

Not counting the rental incomes (aroung 100k) because those are a wash in our tax return after deducting depreciation, interest and all expenses.

Yeah so you're cooking the books here. You bring in $450k (plus appreciation), not $350k. 220 out of 450+ is much more plausible.

Anonymous wrote:We make 92K. We saved 15K each in our Roths, added 8K to our HSA and 6K to my husband's 401K (the company only adds $1K total). So 44K total this year.

We don't have a mortgage and only have one kid in the house. We also already have their 529 funded which is why we can save so much.

We've always been frugal on a relatively low income. We will save less next year because our DC is going to a private HS.

I appreciated hearing from you. I'm inspired by households who have managed to fully fund a 529 and no longer have a mortgage.

Anonymous wrote:~400k combined income
$41k 401k (max)
$12k IRA (max)
529 already funded to what we believe will cover in-state public school in 10 years
~ $145k to investment funds (less in years with home improvement projects)

This. Saving at least 50% of pretax income is a must to financial success without family money, no matter your income.

~400k combined income
$41k 401k (max)
$12k IRA (max)
529 already funded to what we believe will cover in-state public school in 10 years
~ $145k to investment funds (less in years with home improvement projects)

About 525k HHI

early 30s

75k into 401Ks (one self employed so can put 55k in)
3,700 HSA

We live off about 10k a month so whatever is left goes into our trust account (50k - 100k+/ yr)

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have $400K HHI. We easily save around 250K. We live well but below our means. We have no debt. And our house is in a not expensive neighborhood.

That's stupid. No you don't. That's like the entirety of your post tax income. So unless you live in a tent and dumpster dive your food, you are full of it.

This is entirely possible. We make around 350k and save 220k counting all of the retirement with 6% employer match, equity saving of three properties, max IRAs, Ibonds, 529 and cash.

If you're counting the equity saving of the properties on the savings side of the ledger, are you also including rents and appreciation on the income side? Because it's not entirely obvious how you can get to a 62% savings rate unless you're including the rental savings but only W-2 income.

Not counting the rental incomes (aroung 100k) because those are a wash in our tax return after deducting depreciation, interest and all expenses.

Combined ~$320K/year (all salary), pretty much evenly split between us. We each put 10% in our 401ks, and $6K/each in traditional IRAs, so that's $44K in retirement before matches. $12K total ($1K/month) into two 529 accounts. On average, $2-3K/month into either an investment account or high-yield savings depending on state of the market. All total, saving ~$86K/year.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We have $400K HHI. We easily save around 250K. We live well but below our means. We have no debt. And our house is in a not expensive neighborhood.

That's stupid. No you don't. That's like the entirety of your post tax income. So unless you live in a tent and dumpster dive your food, you are full of it.

This is entirely possible. We make around 350k and save 220k counting all of the retirement with 6% employer match, equity saving of three properties, max IRAs, Ibonds, 529 and cash.

If you're counting the equity saving of the properties on the savings side of the ledger, are you also including rents and appreciation on the income side? Because it's not entirely obvious how you can get to a 62% savings rate unless you're including the rental savings but only W-2 income.

Anonymous wrote:

Anonymous wrote:We have $400K HHI. We easily save around 250K. We live well but below our means. We have no debt. And our house is in a not expensive neighborhood.

That's stupid. No you don't. That's like the entirety of your post tax income. So unless you live in a tent and dumpster dive your food, you are full of it.

This is entirely possible. We make around 350k and save 220k counting all of the retirement with 6% employer match, equity saving of three properties, max IRAs, Ibonds, 529 and cash.

Anonymous wrote:

Anonymous wrote:I don’t really count employer match as savings — it’s not like I could spend that if I wanted to. I also don’t count my small pension as savings. Nor, for the purposes of this reply, am I counting cash I keep in the bank — only counting what we move into investment/529/retirement/iBond accounts.

So by that standard, we have been saving about 19 percent of our gross up to now. But we also just now both started qualifying for bonuses at our jobs, neither of which we have yet gotten, and we’ll likely save all the non-taxed portions of those, which will kick our savings rate up to around 25 percent.

That's kind of a dumb way to think about finance lol

All it means is I think I'm saving less money than I am -- not sure why (a) that matters or (b) why it would matter even if it meant I could comfortably be spending more money now than I am. But certainly for the purposes of a rough "how much of your income are you saving?" anonymous message board post, I'd rather underestimate than overestimate.

Our income is about $330K. We save about $60K.

We are close to $400k in income and save over half our gross salaries--I'd estimate we will have saved about $230k for 2022. Early 40s, no kids. This includes 401ks, I Bonds, cash savings, non-retirement investment accounts. It doesn't include the principal on our mortgage but I am not sure how much that is right now off the top of my head.

Obviously we are not paying for schools/college savings. Live in the city and have one paid off car. Live in a condo with a relatively low mortgage. Would like to move somewhere bigger but not sure how much we are willing to spend. We have basically not changed our spending habits at all since we moved into this condo when our salaries were about half what they are now,