I have been thinking about savings and retirement funds and what not recently (part of this relates to the post on philosophy and charity). I was thinking about how the ant is praised for storing up food for the winter and how there might be some evidence there regarding what we should do.
However, I just got the monthly newsletter from Desiring God Ministries on this very issue. It is worth the short read. The author reminds us that the ant is praised for it diligence not its accumulation, and that Jesus warns against such storage in Luke 12: "Sell your possessions and give to the poor. Provide purses for yourselves that will not wear out, a treasure in heaven that will not be exhausted, where no thief comes near and no moth destroys. For where you treasure is, there will your heart be also."