Budgeting - Savings and Investments

 Savings and Investments are part of the budget that has major differences between pre-retirement and retirement.  Some items may stay, some items may go.  But for what it is worth here is what you need to consider.

You should consider money that you put into non-retirement accounts, this will probably be savings accounts.  Savings accounts are good (not really right now since you don't gain much interest) in that you save money away for a rainy day.

Next, consider Education accounts such as 529, ESA, and UTMA accounts.

We next deal with IRAs that we are putting money into.  Obviously, we will probably not have anything going into IRAs after we retire.  This category includes monies going into 401(k)s, 403(b)s, and 457s (mostly drawn directly from our paychecks).  Again, we probably will not have money going into these accounts after we retire.

Other accounts under Savings and Investments include SEP/SIMPLE, Profit Sharing/Money Purchase, Thrift Savings, and any other accounts under the same general heading of Savings and Investments.