> Once the above is taken care of though, you can't take it with you (at least in most religions) so spend it. Save enough, but not too much.

I get it to a certain extent, don't live in poverty if you don't have too, but I am a major saver. I rarely buy new things if an old thing is working fine. If I die early at least my family will will be set.

Really the social safety nets in the US are basically non-existent so having a big savings buffer makes me feel a bit safer. Honestly dying early doesn't worry me too much, I'll be dead so doesn't bother me. What does worry me is the economy tanks and all my saving become worthless. Then I would have some regrets...

I save out of a combination of buying into minimalism as a kid (though obviously it's nuanced) but also out of laziness, lol.