<prompt> Human: Im trying to do more of a Mr Money Mustache approach and save at least 50 of my net income. Do I include the entire payment? If almost 1100 is going to line the banks pockets Im less than a year into the mortgage, I shouldnt include that as part of my savings right?  <response>: For this purpose, I wouldnt count either, I dont really view your home as savings. If you do view it as savings, then count the principal. 