Personal savings can be expressed using various synonyms depending on the context of the conversation. Some possible variations include the term "nest egg," which refers to a sum of money saved for a specific purpose, such as retirement. Another synonym is "reserve funds," which suggests that the money is available in case of an emergency or unexpected expense. "Rainy day fund" is another variation that emphasizes the idea of having savings set aside for unforeseen circumstances. "Piggy bank" is a term that implies collecting loose change or small amounts of money over time. Ultimately, the synonym for personal savings used will depend on the intended meaning and context of the conversation.