Your savings , believe it or not, affect the way you stand, the way you walk, the tone of your voice — in short, your physical well-being and self-confidence. A person without savings is always running. They must. They must take the first job offered, or nearly so. They sit nervously on life’s chair because any small emergency throws them into the hands of others. Without savings, a person must be too grateful—seemingly desperate. Gratitude is a fine thing in its place, but a constant state of gratitude from desperation is a horrible place in which to live. A person with savings can walk tall. They may appraise opportunities in a relaxed way, have time for judicious estimates and not be rushed by economic necessity. A person with savings can afford to resign from their job if their principles so dictate. And for this reason they’ll never need to do so. A person who can afford to quit is much more useful to their company, and therefore more promotable. He or sh...