They do evaluate financials and ability to self-sustain is important. If you do not have savings buffer you can explain in your cover letter why and how you intend to support yourself. We were honest in our cover letter that we poured all savings into previous lawyers (non stop appeals and applications over 6 years) etc.and that my partner was laid off due to COVID. And that He gets job offers and will return to job market as soon as he regains the legal right to work.If I do not have any money in my savings account when sending in my second H&C. Does anyone think it will affect me negatively?