Savings! Savings! Savings! This is the most reiterated word in the lives of almost all in the middle class cadre. An average middle class individual is busy with his preoccupation on getting rich. What does the rich have? The rich have more money. Since the average middle class individual cannot make his or her dream come true so easily, tries to achieve the end result of being rich - that is to have more money. They try to have more money either by cutting short his expenses and/or by saving. T.