"A long time ago my grandfather said to me...You can't take it with you,,,enjoy your life and your hard work,,,,"
Careful there, Storm; Your grandfather spoke about a time when his life expectancy was probably about 68, maximum. Today that expected age is 84. By the time you become concerned about it, it will probably be a lot higher than now.
I spent most of my working years going without this or that, in order to save it for my older years, which I now enjoy immensely, yet I see all around me people who did not foresee the future and now are forced to endure a healthy senior's life on a meager gov't pension.
Also don't forget to lay aside enough for the taxman before you spend it.
Best regards
K