https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Wed, 08 Apr 2026 17:53:39 +0000 https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155319 Thu, 17 Oct 2013 12:34:46 +0000 Beebug 1155319@https://boards.hellobee.com/ <p>5-10%, but DH and I both have solid pension's (each) through our employer's, so while we could be better, we rely on the pension cushion a lot, too. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155313 Thu, 17 Oct 2013 12:31:48 +0000 MamaMoose 1155313@https://boards.hellobee.com/ <p>We both put in 10% to pre tax 401Ks and then after that each month about 30% of our take home gets allocated between roth IRAs (maxed every year), LO's 529, and general investment accounts for us and for LO. We don't have a traditional savings account as we don't see the point since cash is earning about 0.01% right now. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155301 Thu, 17 Oct 2013 12:29:25 +0000 Freckles 1155301@https://boards.hellobee.com/ <p>It's hard to say, because DH and i have 10-12% deducted pre-tax from our pay to go towards pension plans and company stocks. After that it's probably 5-10%. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155278 Thu, 17 Oct 2013 12:24:49 +0000 swurlygurl 1155278@https://boards.hellobee.com/ <p>Right now, 0%. I voted not counting 401K, Roth IRA, ESOP though.</p> <p>Also, we're paying daycare twice right now (paying into FSA &amp; paying the daycare), so we're not really building much! At the end of the year we're going to get a ton of money back though, so if I were to factor everything back in, it would be about 5% </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155248 Thu, 17 Oct 2013 12:16:42 +0000 NorCalWayfarer 1155248@https://boards.hellobee.com/ <p>We aim for 15% (not including IRA/401k, which is about 10% off the top of the paycheck that we never see and doesn't get factored into monthly budget calculation). </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155229 Thu, 17 Oct 2013 12:09:40 +0000 Mae 1155229@https://boards.hellobee.com/ <p>Including retirement savings or not? If I don't include retirement savings, we put 12.5% of after-tax income into savings. If we include retirement savings (my husband has a 401k taken pre-tax and I have an IRA taken after-tax) it bumps our number up to 25%. That also doesn't include some money that we're using to pay double on my car payment to get it paid off before LO comes. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155221 Thu, 17 Oct 2013 12:07:54 +0000 MrsBrewer 1155221@https://boards.hellobee.com/ <p>We are at 12% right now. Not including 401k, just 12% going straight into our savings account after 401k </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155219 Thu, 17 Oct 2013 12:07:10 +0000 PurplePeony 1155219@https://boards.hellobee.com/ <p>That took some calculation! Retirement comes out pretax, but apparently I put 25% of my net pay into savings. I also put a token amount into a brokerage account, but that's more for fun than for savings. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1155194 Thu, 17 Oct 2013 12:02:27 +0000 PurplePumps 1155194@https://boards.hellobee.com/ <p>About 20% not including retirement. About 30% of after tax Roth is counted too. My 401k is pretax ,so I have no idea what that would count as. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154958 Thu, 17 Oct 2013 11:11:25 +0000 matador84 1154958@https://boards.hellobee.com/ <p>About 40% of my takehome goes to savings and I feel like it still isn't enough! </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154934 Thu, 17 Oct 2013 11:05:03 +0000 littlek 1154934@https://boards.hellobee.com/ <p>We max out our 401k plan and LOs 529 plan. We have an emergency fund, but we don't put a whole lot towards savings. DH would rather pay off the mortgage first. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154924 Thu, 17 Oct 2013 11:02:47 +0000 illumina 1154924@https://boards.hellobee.com/ <p>I voted more than 30% though it's mid-term savings as we'll put it towards a house in a couple of years. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154916 Thu, 17 Oct 2013 11:00:35 +0000 plantains 1154916@https://boards.hellobee.com/ <p>My 401K is post tax which muddies things up a bit. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154901 Thu, 17 Oct 2013 10:52:48 +0000 artsyfartsy 1154901@https://boards.hellobee.com/ <p>I don't know how to vote because it varies paycheck to paycheck. Sometimes we can't put back any and sometimes we can put back $500. Just depends on how many bills are due coming up and any extra expenses we have. </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154886 Thu, 17 Oct 2013 10:50:25 +0000 Adira 1154886@https://boards.hellobee.com/ <p>So this doesn't include 401ks that are taken out pre-tax?</p> <p>In that case, we save ~12% </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154879 Thu, 17 Oct 2013 10:47:43 +0000 looch 1154879@https://boards.hellobee.com/ <p>We save my entire salary (with the exception of the last 6 or so months since we bought our home and have been doing renos). </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154877 Thu, 17 Oct 2013 10:47:01 +0000 cyndistar3 1154877@https://boards.hellobee.com/ <p>Less than 5% aka 0 :/ </p> https://boards.hellobee.com/topic/what-percentage-d-you-save#post-1154869 Thu, 17 Oct 2013 10:44:36 +0000 Mrs. Champagne 1154869@https://boards.hellobee.com/ <p>What percentage of your TAKE HOME pay goes into savings for the future (ie percentage after taxes come out)? Vote for the option that is true for most months. </p>