How do you count your savings?

I was talking to a friend about this and I find our different methods of calculating interesting. When I talk about what I save, I do really mean what I save, the dollars that come out of my paycheck and go into a savings account. (I'm saying I, but really, I'm talking about what A and I both save.) She also counts interest and company match on 401K. Since I have no control over those things, I don't count them. My method is easier for me because I can say I put $XXX into my health savings account and $XXX into my 401K and $XXX into saving and each of those numbers is a certain percentage of my income, if I wanted to calculate it that way. I'm not sure how to calculate the interest since that varies. 401K is easy to calculate since I know what the company match is. Anyway, in case you can't tell, we've got a little healthy competition going on as to who can save more. For quite a while, I was "winning." But since her DH makes about 3X what A makes (that's just a guess), she's pulled ahead.