"What are your savings goals?"That's a serious question. Your ideal savings rate depends on your specific, long-term reasons for saving.There are three timelines you should consider:Less than 1 yearYour short-term savings can get used to vacation in Aruba, buy holiday gifts or pay your taxes.Less than 1 decadeYou might use this money to replace your dishwasher, fix your car's timing belt, cover a major insurance deductible, stay afloat when you're between jobs and make... more