According to Nationale-Nederlanden's report "Have a heart for health", the majority of Poles believe that it is worth saving money for a "black hour". This is good news, because it shows a high level of awareness related to the need to take preventive measures, not only in the area of health, but also in the area of finances. Adequate protection can allow us to cope with sudden difficulties related to, for example, a serious illness. It is therefore important to know how to build up your financial cushion.