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Il How Much Should I Keep In Savings Ence . Let’s talk about what you’re really asking here: That’s some major cash back in your pocket. How Much Money Should I Keep in Savings? Midlife Croesus from midlifecroesus.com For example, you may spend $4,500 per month but only have planned expenses. You could be proactive and save nine to 12 months’ worth of expenses for emergencies. According to michaela mcdonald, a certified financial planner and financial advice expert at personal finance app albert, you should have at least three to six months’ of expenses.