@mastermoneyco: Should you consider your 401(k) contribution as part of your savings rate? You absolutely should consider your 401(k) contribution as part of your savings rate. Now, the question then becomes should you consider your employers match as part of your savings rate? I personally would not consider my employers match as part of my savings rate. I would consider that as icing on the top. #401kmatch #401k #EmployersMatch #SavingsRate #Savings #IncreaseOrSavingsRate #BuildWealth #MoneyTalk #moneytips