From your title savings doesn't only mean when you are wealthy, as a matter of facts wealthy people doesn't think of savings they think of investment where to channel those money whenever they are wealthy because one thing i believe is that, rich people talks of what will generate money for them while poor people think of work to keep them earning. The rich people think of wealth creation what will keep them afloat whenever its too tough for them to scale through life.  In summary think of what will keep generating money for you than savings because i know too well that those money might got finished whenever you stop working to keep filling your saving account.