NO matter what. Just. Say. Yes.
If your reasoning for not traveling long-term is money, just say yes. Money is important, sure, but many people find that they figure it out along the way. They find odd jobs to maintain themselves. They cut costs on amenities they realize they could live without. Or they simply go home after the money runs out. The reality is that if you want to travel, the only cost you can’t avoid is the flight. But once the flight is booked, cheap accommodations can be found and traveling on a low income in many places is very possible.