In terms of current depressed economic situation and potential risk, saving certain money seems to be agreed widely. The primary reason is to avoid short-term financial burden. When laid off or suffering from accidents and sickness, citizens have to take out sufficient money in order to go through the storm.
On this condition, the money saved in advance matters a lot. Besides, after retiring, the elderly need abundant material resources to support themselves, so accumulating almost half of their salary from adulthood plays a significant role. Generally speaking, it is necessary to make budgets at the start of a month, which ensures that they can not only live a better life, but collect plenty of money.
All in all, having a plan and following the schedule can do nothing but help you out in the long run.