As much as I favor pre-planning, having it all in a pile is really the goal… when you start looking…
randomthoughts
1

Still, I don’t understand what constitutes savings. Is socking away 3 months rent to move into a new place considered savings, or does that come from spending? Same goes for vacations, and other big-ticket items. Does that factor into a savings rate, or is the savings rate just supposed to be for emergency/retirement?

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