How much time you spend on savings depends primarily on the type of saving programs that you set up. Scheduled savings are maintained automatically. The main interaction you will have with scheduled savings is withdrawing money as needed. Unscheduled savings require that you both add and withdraw money manually.
Playing "What If?" with a savings program could happen when the savings is first being set up to see if the saving is possible in your budget. Other "What If?" scenarios for savings programs could be when you: