Another conversation here got me thinking, so I thought a private poll might be helpful. Savings or ‘saving’ is iffy to define but I will try. I personally think there is a difference between say a household account, short term saving(s) and long term ‘growth’ savings. A Household account; is for the basics and nits and lice; rent/mortgage, groceries, eating out, running down to the store for an extension cord or some such unforeseen small spend, gas, cable/internet etc. etc. Short term savings; is imho the middle ground and what I call, The Nut, for 6 months. I for instance try to keep a 6 month reserves that would cover my household savings for that term in case my wife or I lose ours jobs( which I did) or your car takes a huge dump, your kid needs braces, something unforeseen that would blowout your household account. Long term savings; investment accounts, bonds, ira’s, annuities, a Whole life ins. policy, stock, 401 k etc etc. Something that you would only cash out in the event that you had a real catastrophe on your hands for example- massive medical bills, long term unemployment etc etc..... Or adding an asset, like buying a house etc. So my question is basically; what if any forms of savings do you employ? And if not, why not?