Money can be in the form of currency, safety, time, convenience, health, anything tangible and even intangible.
So everything you do need wealth(not just in terms of currencies), and there isn’t such a thing as “saving money”. Because every decision you make has an opportunity cost and a trade-off. For example, you want wealth in terms of safety or in terms of currency?
Even if you save up currencies, it’s for rainy days or future use. Currencies will still be used, sooner or later, spent by you or by someone else.
Everyone view wealth differently, but never, never ever look at wealth only in its form of currency.
Currencies are just seeds to every other thing else you want to nurture, most importantly, be a good farmer and sow currencies wisely.