Thank you!

You answered my question clearly. It makes sense that earnings are anything above contributions. I was mostly unsure about whether I would have to take in dividends into the calculation of the current depreciated value, but as you stated, that is not the case.

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And I agree, it is generally recommended against using a retirement account to pay for current expenses. However, I am funding, above the match, my 401k and will increase that as my income increases. I get bi-annual raises and will be earning my professional certification in the next year which will greatly increase my earning potential.

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Lastly, is my above budget not appropriate? I know most here would say they would cut subscriptions as they are luxuries, but these are gym, strava, and hulu, my only luxuries that keep me content and healthy.