Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to grow your savings [title] Set your priorities. [step] Savings is an essential part of life; it prepares you to face any contingency. However, we don't always save money to be ready for emergency; the reason is to fulfill a dream or a desire.

Ending1: It may seem like an insignificant piece of utility work that can only be accomplished by taking care of yourself, but with practical considerations and finances, this can help you achieve your purpose. [substeps] Consider what you want to accomplish in the future, such as settling your debt or doing well in school. Ending2: If you take the high road you can save 12 months in a year. While financial advisors recommend borrowing 10% of your total gross gross income from savings, it can be easily added into your overall retirement savings fund. Ending3: Whether it's raising your younger child or starting a new hobby, avoid putting too much money into savings. Figure out what matters most to you first. Ending4: The reason for savings differs from individual to individual and their priorities at that stage of life. [title] Don't let savings sit in the bank.

Answer format: ending1/ending2/ending3/ending4