money in the now, or for the future.

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I have heard of several people who "save it for a rainy day" ... Me, I am wanting things here and the now. I mean you aren't going to die with your money in your casket right? (or urn, depending on how you go?) So are you the type of person who saves for a rainy day, or are the type of person who wants to spend in the here and now?