A man watching football in his beach side condo. When you’re financially comfortable and living solo, it’s easy to let extra cash sit idle in your checking account. But even if you don’t have a partner or dependents to budget for, your money should still be working for you, not the other way around. Whether you’ve recently received a windfall, hit a career milestone or just have strong income with relatively low expenses, it pays to be intentional with your savings strategy.