I'm not sure whether this is much of an insight, but it occurred to me today that there really are many "nuances" when it comes to saving.
Our objectives matter!
It also matters how committed you are to your savings program. Are you going to dip into what you have saved so far for reasons other than your original objective? That last one has been a great challenge, on a personal level.
My ambition has always been to save for the purpose of "building wealth;" that is, to amass some holdings with the purpose of simply having the money and letting it give me an income stream — however modest — from the interest/yield on those savings.
That was an approach I developed very early in life after I was taught — and experienced firsthand, via a "youth savings account" — about interest, and how this was a way to earn income without actually working for it.
At University, I already developed the ambition to put money into "savings" every time I had some, all with an eye towards gradually being able to phase out of actually working for a living, as increasing amounts of passive interest income could replace my pay from working. I wasn't saving to buy anything, I was saving to generate income.
Of course, that's quite different from most people's approach of saving up "for something." In that situation, we're talking about accumulating money, but then using it. At the end, you're no better off than at the start, except for having some shiny thing, or experience.
Saving for retirement is a whole category onto itself, in that what you are hoping to "buy" is financial freedom, after a certain age. It's a bit of a "hybrid" in the sense that it is often done for us, either via state pensions, or via pension schemes run by the companies we work for.
Of course, my original plans never came to pass because "life happened" in the form of a myriad "unscheduled" expenses coming along and requiring a drawdown from those savings I had already set aside. Which, I suppose, is common enough... given that most people actually don't make very much more money than they need to simply stay alive.
Beyond that, we also live in a world where we're actually taught that money is for spending, rather than for keeping.
Our Hive community is also an interesting "hybrid" in the world of saving.
We can easily regard the process of building stake as a savings program... and it's supported by the fact that it takes 13 weeks to actually get your hands on your stake. Personally, I have been treating my Hive stake as "untouchable."
But Hive also offers us the opportunity to save our liquid earnings either as Hive or as interest bearing HBD... and I have a (very!) little of both, and keep adding drips and bits whenever I can. Hopefully, it will eventually be worth something more than it is now.
And that's another thing about saving: It's amazing how much you can actually build up if you dedicate yourself to setting aside a few cents every day... if you keep at it, for long enough!
Which reminds me... I really need to check out the 
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As always, a 10% 