Measures of saving capture what one does with financial resources that are left over after financial obligations are met.
Hilton JM, Devall EL. The Family Economic Strain Scale: Development and evaluation of the instrument with single-and two-parent families. Journal of Family and Economic Issues. 1997;18(3):247-271.
How often are you able to put money away for future needs?
(response options range from 1 [never] to 5 [almost always])