Are me and my fiancée as financially screwed as she thinks we are? - My fiancée (24F) and I (23M) just bought a home in January and are getting married in a year. She has anxiety about money and always wants to be very frugal with our money (something she takes from her parents) and spend as little as possible on fun stuff. I understand why she’s worried because when we moved in we had about $25k in savings after closing, but after making a lot of improvements to the house and purchasing necessary appliances and tools, as well as scheduling our honeymoon and getting a dog, we’re now at $19k, but I’m not as concerned about it.

Together we take home ≈$5700/month after taxes and have $19k in our savings.

Our only debt is a $3500 medical expense for our dog which we have a year to pay off with no interest (not covered by pet insurance).

We’re both still on our parents health insurance, but she is a teacher and will get a good medical plan when we need to switch to that.

I have no retirement plan yet but will get a 401k with company match next year and my fiancée has a 403b she pays into weekly and that gets taken out of her paycheck.

Our mortgage is $2150/month

We allocate about $800/month for groceries/takeout

We pay about $300/month on utilities & internet

We pay about $200/month on misc subscriptions and life/pet insurance

And I have a decent drive for work while she works locally so we pay about $200/month on gas.

So normally we’re spending about $4000/month on necessities, and put away as much as we can every month (typically $1000+)

Large projects on the house have set us back a little bit as well as getting a dog and booking our honeymoon but I think that we’re fine financially, and see our large spending slowing down significantly. We’re both projected to get raises every year, but if not my degree allows for a lot of flexibility as to what I can do and how much I can make, experience is the only issue.

So should I be more worried like and be more willing to cut out any fun expenses like eating out or buying things for fun? Or do you guys think we’re living comfortably and my fiancée should worry less?
Please ask for more info if it’s needed to better evaluate our situation, this is my first post here after lurking!

Edit: thank you all for your thoughts and help, it’s helping see what I couldn’t. It seems like the overall consensus is this:

-Yes we should cut down on spending (takeout, unnecessary purchases) until we have a better emergency fund under our feet

-Look into an HYSA and separate slush savings and emergency funds

-A more rock solid budgeting strategy would benefit us greatly and reduce some anxiety

-Establish short and long term savings goals

-Focus more on retirement