{ "media_type": "text", "post_content": "When people talk about savings, do they mean including 401k (with it without the match) or is it only what’s additional on top of 401k which is assumed to be maxed out? I ask because I hear people saving 30-40k and im wondering if that’s ~20k in 401k and 20k otherwise.", "post_id": "61e0a39a5aef9800265d0218", "reply_count": 4, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

When people talk about savings, do they mean including 401k (with it without the match) or is it only what’s additional on top of 401k which is assumed to be maxed out? I ask because I hear people saving 30-40k and im wondering if that’s ~20k in 401k and 20k otherwise.

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Yes. They are including their 401k contributions for sure and probably the match too if they say they save $x.

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I include the match if it’s vested. It’s your money then

I include all my retirement additions, including vested match.

Ok phew that’s good to know - I thought there were people out here saving tons of cash on top of their already maxed out 401k.

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