We've written before about how owners of profitable businesses assume that all businesses are profitable, and owners of struggling businesses assume that all businesses are struggling.
A similar thing applies with personal finances too. People who build up savings assume that's the natural and widespread thing to do, and are often astonished to hear that many high earners save little or nothing and have a disproportinately low net worth. They can't imagine how those people sleep at night. Whilst people who don't save up will tell you that everyone's struggling to get by, nobody's saving up, interest rates are low so it's not worth it, they're the squeezed middle and so on and so forth.
There's no "correct" amount to save that's the same for everyone, of course. But a useful starting point for benchmarking where you are might be the Net Worth formula from the excellent book The Millionaire Next Door, in which it's suggested that your Net Worth should ideally be at least:
Age X Annual Pre-Tax Income / 10
So if, for example, you're 44 years old and have a gross income of £70,000, is your Net Worth (i.e. value of all assets - houses, cash, shares, pension fund etc - minus all liabilities - mortgage, loans, credit card balances and so on) at least £308,000? As we say, that's not an objectively "correct" target figure. But if you find yourself questioning the result, and figuring that it's unrealistic, be assured that there will be plenty of people similar to you in a position comfortably in excess of the target...