In many cultures, including much of the English-speaking world, asking someone how much they have saved up can be considered quite personal and potentially disrespectful. Financial matters are often seen as private, and such questions might be perceived as intrusive. However, the acceptability of this question can vary depending on the context and the relationship between the individuals. Among close friends or family members, it might be more acceptable, especially if the context is appropriate, such as discussing financial planning or sharing personal milestones. Ultimately, it's important to consider cultural norms and the comfort level of the person you're asking. If in doubt, it might be better to avoid asking directly about specific amounts of savings.

Whether respectful or not, it’s an unclear question without some context. More precise things to ask: Do you have savings? Do you have any savings? How much is your net worth? How much have you saved for retirement? Do you have money for retirement/vacations? From a politeness point of view, starting with a ‘Do?’ question allows people to add details without being explicit. ‘To have saved’ has multiple meanings. For example ‘I estimate that I’ve saved $2000 bringing my own lunch to work rather than eating out everyday.’ (That means that I spent $2000 less, not that I have $2000)

You never ever ask anyone that. Not even your family. In any English culture. Unless you're asking about saving toward a specific item or event. So: How much have you saved for your holiday? I've saved up $300 so far. 😊

This depends entirely upon the individuals. It would generally be a weird question among older adults. You simply don't ask adults questions about how wealthy they are unless it is someone close to you, such as a member of your family or your best friend, and only then if you feel sure that the question will not bother them. Among young people under, say 25 years, it would be more normal. The reason it is okay among younger people is that, by in large, they have so little.

Depends on how well you know the person I guess, and how the topic comes up. For example, if I tell one of my best friends that I’m saving up some money each week to hopefully afford a holiday in December, I wouldn’t be at all offended if she asked how much I’d saved so far.