Money or cash?
Doesn’t matter where it is I almost never spend it. I can have $500 in cash sitting in my house just in case for 3 months, even a year, and not spend a penny of it.
I can have $40 in my wallet for months and not spend any of it. I charge most things.
In terms of all ways of spending, if you include credit cards, I still rarely spend. I buy groceries and gas for my car of course, but I don’t buy many things except what I really need. Not including the crazy extravagant cars we buy, but that doesn’t happen often.
I have a lot of money in savings, more than is usually advised. I also have a CD, so that money is locked up for another half a year. I have 401K, IRA, and HSA accounts for retirement, If you don’t have a retirement account go get yourself one! Huge miss for your future if you don’t take advantage of that tax break.
I recommend you figure out what you really need to buy and what you don’t, make sure you have a retirement fund (they fine you penalties if you withdraw the money) and get just as excited about seeing your money grow as you do about buying a new material thing. That money in “savings” is your FREEDOM. Every time you spend on something you don’t need you might be obligating yourself to having to work more or longer and not doing whatever you want.