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If you have employer-matched a retirement fund plan through your employer (in Canada, it’s RRSP matching, typically 3-5% if offered) do you consider your portion of the contribution as income and count it towards savings? even though it never hit your bank account? Do you account for your employer-portion anywhere? Or just track your take-home?  
If you have employer-matched a retirement fund plan through your employer (in Canada, it’s RRSP ma

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