On the 401k issues. My reasoning for the not including the 401k contribution in their take home pay is because I use the amount that hits your bank account on payday as your take home pay. Which is the amount after taxes and all deductions (including retirement) are taken off gross pay.
I add it back in when calculating their savings rate because even though it is “pre tax savings” it is still savings. The same goes for their employer constitution. Just because the couple did not despot these savings personally, does not mean the savings should not be counted.
I think the main takeaway from that is that having a workplace retirement plan where your employer matches your contraction can put you at a high savings rate without even trying.
Thanks for the comment!