This paper is concerned with the implications for savings behaviour of the non-fungibility of household wealth. The paper focuses on the structures of and the relationship between mental accounts and household accounts, and compares these descriptions of household financial wealth with the economist's life-cycle model. The argument is illustrated from Dutch questionnaire and interview material; the former focuses on saving of bonuses and of capital gains and dividends. Tentative conclusions are drawn related especially to households' capital accounts and savings, and their relationship with other accounting schemas.