I think it varies by person. Short-term versus long-term savings is a common distinction, so I think moving/vacations would be short-term and emergency/retirement would be long term. A lot of people keep an emergency fund/Fuck Off fund separate from other savings, but it’s really all about what works for you. I would calculate savings rate based on long-term saving only, but again, whatever works for you. As far as I’m concerned, any saving is good saving, as long as you’re not depriving yourself of necessities or neglecting your obligations.