money means nothing if you don't spend it one day.

I have a slightly different opinion on this, different angle of view: to have a lot of money is a good thing, make life easier and pleasurable - but after all, you die and your spirit goes there without your savings; important things that you leave here are not about money, thus you should live your life not for the money, biasing on other things (and - surprise! - thats how life was established before the epoch of matured capitalism).