It's interesting how the amount of money involved can change your perspective. For me the single most important thing to do with money is save it. Nothing I can buy will give me as much happiness as being able to help make the lives of important people in my life easier. We have a broken housing system that screws over almost everyone who doesn't get help so I want to save a sizeable contribution to my son's downpayment. I want to help pay for his wedding. I want to pay for his education. I want him to have a better start to life than I did and I want him to have more opportunities than me. I guess once you accumulate enough money you can do all that and still easily have more left over for the nice to haves.