it's all about budgeting, and your budget saves more....nothing wrong with that at all. especially in today's economy.

inho you're just thinking about it too much. now you save it all and wonder is that weird? but at the same time you admit if you spent all of it you'd question that also.

my take, after taxes a 1/4 to 1/3 always goes to savings period. form there i do as i please after all the bills are paid. go on the 1/3 side for 2 years even though it may put a crutch on your lifeflr that time if you need it you have something to fall back on.

how much to save for me imho deoends on what you own such as a house then you have to decide rainy day funds for water heaters and a/c if it goes out. as well as a good idea to build up a seperate account for bill pay in xase of an accident. like say 3-4 house payments in reserve

easy start get a book from someone like dave ramsey and then decide if his way is too much or too little. i dont beleive you have to have everything paid off like he says but i only like to have a house payment and one dd payment and anything else is paid in full but that's what i chose to do and gl to ya