If you don't mind me asking - how old are you and how much money do you typically save a year?
Bad assumption, but I'll answer.
I am 28. long-term unemployed, cannot get a bank account due to issues years ago, living on disability payments and now with support of my domestic partner (which is the main reason my situation isn't actually desperate any longer). We have to keep our finances pretty separate or my income (~7k a year, wholly inadequate to live on by myself anyplace where I could actually do so) goes away.
I keep a budget, I'm pragmatic and savvy enough to make sure our separate finances on paper don't unduly restrict us from living our live...
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
If continuing the discussion becomes impractical, that means you win at open threads; a celebratory top-level post on the topic is traditional.