I'm on a different path than most. Not married, no children and have no desire to have either of those things. My parents died at young ages. I expect to do the same and I'll have some fun before then. I have a healthy income not rich, but doing okay. Have a nice emergency fund and no debts, so I spend money on shit I want. If I die tomorrow or next year or in 10 years I'd be pissed if I didn't spend my money on things that make me happy. Don't over spend, but don't be miserable either. You don't know what the future holds and could spend your while life planning for something that never happens. If I had it my way I cut off paying into social security as well. I won't be using it, so in my eyes it is theft. So are taxes.
Make sure you have a will and your executor knows specifics about where your stuff is at.