As others have pointed out, the article is stupid because it asks a misleading question.<p>So, instead of discussing that, I&#x27;d like to ask: roughly what savings do HN readers have?<p>How much should I be saving at the minute? What should I be saving it in?<p>I&#x27;m a PhD student in my early 20s, living in London, and I only have about ~£500 in savings. I&#x27;m trying to save £1000-£2000 per year. At the minute, I just keep my savings in a separate current account to my main account -- which also has higher interest (3%).