The smiley icons show your savings progress based on recommendations from personal finance advisors, books, and the popular 50/30/20 budgeting rule. If you are saving over 20% of your income, the icon will wink. The icon will smile if you are on track to meet your savings goal, but it will appear sad if you are falling short. Seeing the sad icon indicates that you should consider reducing expenses or finding ways to increase your income.