> you can't take it with you (at least in most religions) so spend it.

I don't understand this PoV at all.

I can't take it with me, sure, but I'm happy anyway if I leave it behind to my kids.

This PoV that you need to spend, spend, spend to get the most value for your money is very primitive - my kids will do better if I die before touching my nest egg, and if I don't at least I'll have a longer runway to live without working.

There is no downside here, other than the artificial one that dictates you spend it all and leave nothing behind.

Why are you working to earn that money - take unpaid time off to spend with the kids.

i get what you are saying, but leaving money to the kids isn't the answer. (Other than collage money)