Think about the amount of saving that you do. How much of your disposable income do you save? Is it a positive amount or a negative amount?

If you save a positive amount, what do you do with your savings? Do you put it in a bank, in the stock market, in bonds, or just keep money at home? What is the interest rate you earn on your savings?

If you save a negative amount, just what does the mean? It means that you have a deficit, like a government deficit. You're spending more than your disposable income. In this case, how do you finance your deficit? Do you get a student loan? Do you run up an outstanding credit card balance? How much do you pay to finance your negative saving?

How do you think your saving will change when you graduate and get a better-paying job?