That's absolutely true, until and unless you develop a discipline on savings how much ever you make you will always be broke after some time. I know people have that tendency of saying that who knows about the future or live in present, but what if they see the future in broke condition.
There was a episode in Friends, where Monica's father was telling her about 10% in savings fund when she was fired from her Chef job, so yes that's what the savings will do for you.
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You're absolutely correct. In reality, we always need an external motivation to actually save, since it involves making sacrifices and denying ourselves of that percentage we could have enjoyed at the moment. Since savings can be for futuristic purposes, sometimes we're not so sure if it'll be worth it .
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