When you die, you cannot take ANY material possession with you. You can, however, take the equalized EXPERIENCES you have from the material sphere.
Such is the function of the material and its experiences---to potentially create equalized Creation-data and information (positive-equalization after the negative and positive).
While the monetary system is a total oppression that will inevitably be abolished, the fundamentals of evolution do not turn off because of our human systems, ideology, and mass consciousness.
Evolution is still at play, regardless of how much ever material wealth and possessions you wish to hoard away.
Money in our time = life-blood or energy.
Life-blood or energy should be used for the FIRST TENET OF CREATION = which is about EVOLUTION.
Thus all material experiences and everything that can be purchase with money should be first and foremost thought about the potential EXPERIENCE it can provide for the evolution of consciousness and Creation.
This also means that over-saving is just as terrible as over-spending irresponsibly.
Human systems are the problem that is out of whack. Evolution demands experience, not just study. Thus, one should make decisions that are balanced in respect to the time, but not in such a way that there is no progressive element and drive, especially to fulfill our duty to Creation, which is about evolution, not just about studying books.