In my area people commonly take out 15 - 30 year mortgages on houses, you would barely have a 30 year loan paid off by the time you retire. That home with a predictable monthly cost may be your most important investment.
There is no should. There are more important things in life than worrying about how much in savings you have.
If you only care about money then assets are more important than savings.
probably - are you saving for a house or retirement?
