A lot of people don’t save anything other than their house equity. One way to force savings is to buy a bigger house.
If you are disciplined enough to save 10% of your income, then go ahead and do that instead. My experience is most aren’t. If you have a house payment in the 25-30% of gross income range, on a fifteen year mortgage, you are effectively saving 12.5% to 15% of your income just by making your mortgage, and that’s from day one. It gets better. 7 years in it is almost all of your house payment that is savings.
It isn’t for everyone but it works for those who aren’t going to otherwise be disciplined enough to save.