[gertymac]

Originally Posted by disneysteve

Any suggestions you read about retirement savings are using gross income. So when an article says you should save 15% of income, they mean 15% before taxes.

Thanks for the tip. In an attempt to simplify our budgeting, we use all post-tax numbers. Not thinking of the money that goes to taxes (or our health insurance, or some money I send to family every month) as "ours" to begin with means we never miss it.