"At least 20% of your income shouls go towards savings. Meanwhile, another 50% (maximum) should go towards necessities, while 30% goes towards discretionary items."

In this context, does the 20% of your savings mean directly to your bank account? I am maxing an HSA account, putting 5% to my 401k (company matches 5%, meaning 10% total), maxing my ROTH, and doubling my car payment. Do these numbers get included in the 20%,? If these numbers don't count, I am saving 17.4% of my paycheck. Thank you so much for your help!

Submitted July 19, 2018 at 10:16AM by Pun-kachu https://ift.tt/2Lx0PNr