How basic can it get? This is part Back to Basics, part public service announcement, and 100% simple reminder: Save your money. I bring it up because it’s an easy trap to fall in to. Any number of things can disrupt your savings plan — from a job change or loss to a larger-than-expected financial emergency to you just plain getting complacent. ... and, when it’s time to resume or increase the amount you save and invest, you miss the boat.