The goal of savings is to build up your capital. If you include the returns of your capital as part of your savings toward your capital, then you might not actually be saving as much as you think you are. If your house goes up $50k in one year, are you really going to say that you don’t need to save anything else cause your house took care of it? You could, but if the market later adjusts you’ll find you actually didn’t save any money at all, and you would not have built up any capital whatsoever.
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