There goes civilisation...

Yes, your lifestyle does sound drastically different from mine. My wages don't feed a family of three for a year,

And what difference does it make that your a girl?

So, what, now I'm supposed to feel guilty for being able to put aside a decent chunk amount of money each month, to guard against the day when I might be unemployed through no fault of my own?

The girl thing was simply a reference to the common stereotype that all girls love to shop. I love new clothes and shoes and makeup and handbags. But I think it's far more sensible to save the money for a rainy day.