For example, your HHI is $500,000 and you save $100,000 each year (after all expenses, schooling and taxes), that would be a 20% savings rate. I wonder how many even know this number? Think it would be illustrative to share: 1. Borough, 2. Number of Kids, 3. Public/Private, 4. Savings Rate. E.G., Manhattan, 2 kids, 1 public/1 private, 22%.