How much money should I have in savings. You’ll learn that this is a moving target throughout your life. Different needs and circumstances come at different times. If you don’t have anything in savings… start with one dollar. We don’t give our savings as high a priority as our bills and expenses. We think if there is anything left over, we’ll save it. In reality, we end up spending it. A habit of saving money is the easiest way to bring peace of mind and elevate your financial situation.