This possibility has me freaking out a little bit. I am a US citizen married to a Brit and we live in the US. We understood that I could apply for my visa once he had a job offer in hand which meets the financial requirements, but I am very confused about the timing of everything. We have never been apart for more than a few weeks, and the kids don't remember EVER being away from him. I'm wondering if we could start the process earlier if we have the savings in place?
If you were going to rely soley on savings, you would need £62,500 (£16,000 + 2.5x the entire financial requirement). That's a lot of money, but if you have it (and it's been sitting untouched in your account for 6 months) it could mean you won't be separated at all.
If you're not planning on moving until late 2015 (as you say in your signature), you have no idea what the rules will be at that point.... they could be harder, they could be different or they could be lower (if they change the financial requirement to benefit the applicant). No idea what it will be then.
Most people applying for a visa to join a spouse are separated for a while, so it's common that it happens (and it's a only small amount of time if you look at the big picture) but obviously, if you've got enough in savings, you can stay together throughout the whole process.