according to me how much money i earn i will enjoy 75% of the money i earn and the remaining 25% i accumulate maybe if i die that savings can be left to my family,no regrets at all because the life of each beneficiary is more than enough if you yourself are always satisfied with the present life. On the contrary, if you are too frugal, do not dare to spend, do not dare to eat until you die, does this life still have much meaning for you, perhaps anyone who reads this article will also say that I am a bit selfish but I Being very realistic and being realistic will make you a little selfish.