I totally agree with you that savings are a means of having funds incase of health issues and financial setback, there was once a time that I didn't plan the week well through forgetting about saving and I almost lost my mind, there two points I like about you post which says "Live and spend within your means and avoid unnecessary debt". This is important not to go bankrupt, I also value your method of always prioritizing needs before wants.

Bravo amigo 👏🏿 &
Steem on!!!