Firstly, we must try to concentrate on the higher goals and constructive activities of life. A person who has such goals and activities will always want to spend money to achieve them.
Thirdly, we must realize that wealth is not going to accompany us in the afterlife. How this wealth is used in this life can only be of benefit to us in the everlasting life of the Hereafter. Smart people are far-sighted. They always plan for a better future.