Saving is the main motive for investment, production, employment and growth, as it is the main element to increase the ability of the banking system to grant banking credit and an aid factor for the financial policy in achieving the government’s economic programs and not resorting to foreign borrowing in financing the government budget deficit or/and funding government development projects, which it lacks The Iraqi economy due to the low savings rate, which affected the ability of the banking system to grant credit and stimulate investment and use imports to fill the gap of aggregate demand in light of the atrophy of domestic production to meet this demand, and this requires studying the behavior of families in saving and the factors affecting this economic behavior through a survey of a sample of families in Iraq.