I didn't have any while I was married, which was very unfortunate because he is now an ex and thing will have been so much easier if I had thought ahead.
So, in hindsight, both my dc have accounts in which I have managed to put in a decent amount for them both. They are teens so are very aware that this is a keeping safe fund. We have had long discussions about this, and suggested that even when they meet someone this account is to be 'forgotten' about day to day. You never ever know what will happen in the future. So we call it the secret account. I feel incredibly strongly about it and I will try very hard to not let my dc make the same mistake as I did.
You can have a DH/DW who you love and share with, but it is so important to have a back up, a just in case plan. If you never need it, that's great, go on a cruise later in life or whatever. But always have a plan b financially. Too many woman get screwed over financially when marriages don't work it. It's usually the DW who lost her income and independence through giving up work to look after the DC.
No matter how happily married you are, think about a save me fund. As you just never know when you may need it.