Everything you put aside over what you earn before tax: cash, your plan at work, your HSA. Fifteen percent is the line. Your employer’s contribution does not count, because it is not yours to save.
What is left each month
Take-home pay, less what you spend and what you already put aside. It is the money any later step has to work with.
Where you’re at
Your savings rateNot known yetWe need what you put aside each month outside your plan at work. The target is 15% of what you earn before tax.
What is left each monthNot known yetWe need your monthly spending before we can say what is left after it.