I've frequently heard conflicting stories about whether or not money in retirement accounts are included in the savings rate. "Disposable income" is questionable because from the stand point of taxes, for example, money moved into my 401K and HSA is not "income". The $10K moved into our two Roths for 2008, on the other hand, would be.
So what was our savings rate in '08? Depending on whether you are looking at gross pre-tax income or after-tax income, whether you include company matches to tax-deferred accounts and whether you include tax-deferred contributions and retirement accounts, it was anywhere from 11% to 52%!
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)