<prompt> Human: Currently living with parents, paying student loans as much as possible after 401k max out, roth ira, 1k E savings. Added into my calculation is an additional savings of 20 percent of my paycheck to savings. Stupid question being is my retirement contributions considered part of my savings percentage in my budget. More philisophical question than practical.  <response>: Yes, if thats the granularity of the breakout. But if someone is saying e.g. 15 retirement and 20 savings, that doesnt mean they are double-counting that 15. 