<prompt> Human: Just wondering what you all think. Would you consider yearly gains on investment as additional saving? If not, how would you categorize it? The reason I ask is because capital gains are added to your gross income. So lets say you want to save 10 of your income, and 100,000 was your income, and 10,000 was capital gainsgross income 110k. Would you consider that 10,000 gain as the 10 right there?  <response>: I think there are 2 issues here. First, Never, and I do mean NEVER, count your gains before theyre realized. If you didnt sell anything, you aint made shit. The market giveth, and the market taketh away.Second, even if you did sell them yearly to lock in gains, it is monumentally short-sighted to count that as a reason not to continue saving from your paycheck. Yes, compound interest is a wonderful thing, but you dont stop saving after the first few years and leave it alone for 40. Thats what youre implying. 