<prompt> Human: An uptick in consumer spending in December was accompanied by a decline in the savings rate to 2.4, as reported in this article Based on the Federal Reserve data available here it looks like a new all-time low could be reached soon.Im curious to hear what the savings rates are for the readers of this subreddit. I recently estimated that my savings rate for 2017 as a percentage of after-tax income was slightly above 50.  <response>: In the calculation of income used to define the personal saving rate, capital gains on the sale of financial assets are not classified as income. In times like this with a roaring stock market, its very likely that this sort of income is being used to fuel an increase in consumption and for that reason that official personal saving rate understates savings in comparison to how most people would define it.The current all-time low personal saving rate for a given month is 1.9 in July 2005. Around that time, when originally published, it actually went negative. 