in my opinion, money is only a tool and not an end goal of our life, money is a means to achieve the ultimate goal of our lives, if our ultimate goal is no life after death or the afterlife, then the money should be used to augment supplies us after we leave this world , for example, is the money we use for charity, help others who desperately need.
Hopefully money we have, we use as-much to help others, so it can be equipped later we end our lives ...