Those verses (and other linked transmissions) mean hoarding money is considered a sin, e.g. forbidden.
Saving money is ok, and there are cases that encourage to save money.
E.g. if you want to buy a house; in some economic systems you would need to get money, and the only accessible way is to take a credit, which involves interest. One way to avoid that would be to save money so that you can buy a house one day.
Saving money with an objective or for an investment is perfectly fine.
Hoarding money on the other hand is not right.
This usually doesn't really happen to the average person. There are so many ways to spend money nowadays.
It's meant for people who have more money than they can spend, i.e. very rich people, and they shall keep the cash flowing. Hoarding it (thus the word counting on the verse) is wrong; if you have too much then it's better to distribute the extra to the poor or needy or charity or ...