Am early in my career. no debts out of college due to lots of scholarships and a bit of hwlp from my grandparents helped a lot. Bought a house, have a wife in grad school so pretty much just living off of one paycheck. Had to cover a 10k roof replacement last year which sucked, but am back up to about 25k saved up should I lose my job or face another major expense.
I am pretty frugal in general but spend money on a hobby every once in a while. Not into drinking or any legal or illegal drugs so that has peobably saved me thousands of dollars too at this point.
Faithless electors have happened a couple times historically.