In this Q&A episode, Jamie and Spencer answer listener Dustin's question from a Facebook message: "When you talk about savings rates, are you talking base pay only or do you include BAH and BAS in that percentage?"

It's a nuanced question, but in general you should include all of your income when calculating your savings rate. But, the fact that you're even thinking about a complex topic like a savings rate means you are already way ahead in the financial game.

If you have a question you would like us to answer on the podcast or just need some extra guidance and help with your military money, please reach out on instagram.com/militarymoneymanual or email mmm@militarymoneymanual.com

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com.

I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

#52 Q&A Should You Include BAH in Savings Rate Calculation? Military FI Savings Rate