I live in a capital city too, but if I’m not putting away at least 30 of my income, then I’m still living dangerously below my means. I have socialized healthcare but I’ve still experienced joblessness for 6 months, homelessness for 2 periods of about a year and a half each, and minimum wage. Being aggressively careful with money helped soften these situations, and now that things are going well for me ( I only just stopped living in my car in March) I’m still applying those same principles to my everyday budget.