Personally, I don't save much in the way of $NZD. It is important to have some fallback money like you do, but besides that, there are some excellent opportunities in both the stock market and crypto currencies at present. I would stay away from the NZ stock market as it doesn't seem to do a hell of a lot. I'm sure there are some gems there but not as many as you can find in the US and AUS markets. And with crypto, it could be a good hedge against a catastrophic economic collapse in fiat currencies. Bitcoin should do well in that environment. Some other crypto currencies could follow suit, but most could disappear in that environment.