<prompt> Human: Like the title says, if you think of savings as a mandatory expense like any other bill, is it alright to have little or nothing remaining at the end of the month? My budget has me with about 80 left after all is taken into account. I have plenty of savings but month to month theres not any more additional savings after I put away 15co gross of each check. Not sure if expecting more savings after savings is overkill. Not in dire straits financially either but considering a move that will leave me in this situation. Edit: Wow, thanks for the responses. I wasnt entirely clear with my first post. I realize that all funds need a job to do but what I mean is are these additional few bucks in savings sufficient? I suppose Im doubling up here but it just seemed as though these savings were too little. As though my savings on top of my mandatory savings werent enough.As of now I have 6 months worth of expenses in a high interest savings account for a rainy day. 1000 in checking for expenses, 2000 in savings in case I need a few extra bucks for something, and everything else goes to my investments. So each month that 15 in savings goes to my checking and if its at 1k it goes to the savings. If thats at 2k then its off to the investments. Theres also no debt and I over estimate expenses ie. I budget 80 for electricity when its usually 50 but it will increase during the winter.Assistant: I like YNABs methodology here: Give every dollar a job. 100 of your available money should be budgeted, even if the job is savings or retirement.Human: This! I worried a lot that there wasnt money left over at the end of the month until I realized that I had increased my savings to make that happen, and that was a good thing, and if I needed that money I had it in savings.Money psychology is weird though, isnt it?Assistant: and that was a good thingThis here is whats throwing me off. I have money set aside for savings but whats left over also savings seems low. Its very strange to try to get to 0.  <response>: 0 means you have a balanced budget.Having more than 0 means you have a budget surplus, and can still assign the money to something even if it is more savings or more fun money.Having less than 0 means you have a deficit, and need to cut spending in a category. 