You must actually separate your savings from your income and cash stash availability because otherwise you'll save nothing.
Another scenario may be a stay at home mom who doesn't have outside income and the family relies upon one income. Should that stay at home mom have to answer to her spouse for purchasing groceries or going shopping? Does she need to "ask" permission? or perhaps "ask" for money? How degrading is that? You need a plan. And then look at a situation if there's a marriage in which one partner wants to spend all the time and not contribute financially--that's an issue too.