Most valuable amount for everyone is One Rupee (One Dollar, One Euro, One Yen, One Yuan, etc.) which is get it first time to start save the amount.
Who are getting more than one Rupee to start the savings those are in new generations (or rich) and they don't know the olden days hard work of value (wages to get it by manual work and wait for some days) how it is difficult to get it.
One rupee is most important for any amount. Without One rupee you can't add rupee's it means without money how you think how much amount you have so starting One rupee is also most important to save.
Without amount life if dificcult and if you have money you can do anything and you can utilize any way.
If you eat it will not get it back, if you buy something you have thing's, if you invest to business you will get profit or loss, if you invest to education you will get knowledge (eligibility) to work (employment).
Savings is important and utilization is important.
Utilization is important more than savings/expenditure (how to save and how to utilize). How much your savings also important.
-- Still need more explanation / discussion to understand!
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