Does your income exceed your expenses?

1. Does your income exceed your expenses? ~If so, how much are you saving each month and is it enough? How do you know it is enough? ~If not, what are your goals for addressing the deficit (i.e. job change, cut back on expenses, etc) 2. How is your short-term savings—if you had an emergency, would you have enough in savings to handle the situation? 3. Why is a savings account important?How much do you need to have in savings?What are some tips to accumulating savings?