How do you save for the future?

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I am planning to open different account to different banks. One for retirement, the other one for my children's education, one for our own savings and one for emergency use. Why different banks? There is no certain in this time. Banks get close without us knowing and then they declare bankruptcy and our money will be gone. It is better to be safe than sorry. It is my goal that by the age of 35, my family will already feel secure about our financial status in the future.