However, saving regularly can feel like a never-ending, uphill battle. Building your savings requires time, dedication, and – most importantly – spare income. Everyday costs like housing, food, or childcare continue to rise and salaries often lag behind. According to a 2021 study commissioned by the Warsaw Stock Exchange and the Warsaw Institute of Banking, 36% of interviewees indicate lack of spare money as one of the main reasons for not saving or investing. We also simply might not have the time or knowledge required to start looking after our savings properly. More than 90% of adult Poles claim that they are saving money, a study by the National Bank of Poland shows, but only 42% declare having a financial product involved with saving or investing.