1- It is not obligatory to save money to go to Hajj. When you make some money, you can spend it on your expenses.
2- Yes, if you happen to have enough money to go to Hajj (like $8,000 let’s say), and you don’t need this money to survive, then you would be obligated to keep the money and go to Hajj that same year (if it’s safe for you to go). And Hajj has a greater priority over your studies. If you have enough money to go, you must go, even if it means your studies will be delayed a few months or years.
3- If you are able to go, and it is safe for you, you must go even if one’s parents don’t allow. When Hajj becomes obligatory one must go.
4- There is no spiritual condition. One must go and spiritually benefit as much as possible.