Once, when my daughter was very young (4?), she was going through the kitchen 'junk drawer' at her grandmother's house. She found a piece of wrapped hard candy and pulled it out. "What's this?" she asked her grandmother, knowing full well exactly what she'd found. "Oh," said my mom, "that' a piece of candy I was saving. You can have that." My daughter looked at her incredulously for a moment, then said "What are you saving it for?" There was no good answer to that one.
Hesitating on a new bike when turning the big six-o? What are you saving it for?