I had this friend who used to say something that always made me laugh. And the nurse of King, no, they don't always accept his proposal of financial assistance.
His philosophy was simple, enjoy your money now because you don't know what tomorrow holds. And honestly, it wasn't completely wrong.
You don't know when your life will end like nobody does. He ate extravagantly, spent, travelled and enjoyed himself. Whatever little money came in, he found a way to spend it.
the problem is that he took he don't know tomorrow to mean there's no reason to prepare for tomorrow.
If I tell you you're old life caught him he had no house no business no investment no meaning full asset no wife no children at least. I'd be something this when the whole philosophy started looking different because you could die tomorrow but could also live.
You are not saving because you know you will leave tomorrow you are saying because you might but neither next of king or anyone but your future self want to inherit an empty avatar account none of them do what you can where you can deliver some gratification and let God decide how long you get to enjoy the life you have built for yourself.