Equating saving money for the future with “hoarding” is a talking point of the Keynesian school of economics.

That particular school of thought in economics is often regarded as banker propaganda. If you take a university course in economics, you are learning the Keynesian school of thought because banks fund such courses. This school of thought justifies the current central banks and fiat currencies monetary system, which benefits a small percentage of humanity at the expense of the rest.

What Islam prohibits is hoarding staple goods.

Shaykh Mu’aawiyah Tucker (@c_hashreview ) on this distinction between savings & hoarding: