Question for the financial guys. The savnigs rate does not include pre-tax retirement accounts, right? With pensions being a thing of the past (for the most part) and the importance of 401k’s, IRA’s, etc. Isn’t the savnigs rate a bit misleading when viewed today versus historically? I am not talking about how this will affect the housing market as I feel pre-tax retirement accounts should not be used for down payments (IMO). As an example, when my wife and I were working our way up in our 20 s we were not making much $ and therefore not saving much money on an after tax basis. However, we were both contributing 5% to our 401k’s at all times. So that would not be reflected in the savnigs rate, right?Just curious about the savnigs rate data independently.