As much wealth as one is using, some apt ratio of that wealth (that possibly also depends on the absolute NetWorth) should be stored and donated post-humously.
Post humous donation of wealth implies that if there is going to any error, it’s better to err on the side of earning excess money(because even if excess wealth is present, it can be donated after my death), and minimalism and low non-lavish existence and spending only on health(including sports & gym) and food, nutrition.