SINGAPORE: Is having no savings a red flag in a partner? “Honestly to me it is not a red flag, as long as they are genuinely working hard to keep going in life. Furthermore, others believe that it can be a red flag if people spend their whole paycheck every month and if they have no intentions to start saving. “Some people have a later start in life… It’s more of a red flag from the 30s onwards,” a comment concluded. This thread showed that having no savings is not necessarily an immediate red flag, as people may face different financial responsibilities and challenges as they live on with their lives.