@riparian: What a wonderful question... "What if you drop dead in a few months or a few years?"
I've been saving money since I understand what money is used for. When I was 8 years old, I bought my first bicycle with the money I saved. Even my parents were surprised that I could save that much money.
It's been a habit for me, and I asked the same question to myself "What if I die now?"
The thing is, I'm 30 years old and I didn't die.
All of my undergrad friends started working right away, and I'm the only one who could buy a house. Everyone of them is paying huge amounts of rent, whereas I'm rent free for the rest of my life.
I could spend my salary to the things that gives instant pleasure. But I postponed some of the things I want to do, for the sake of doing them better in a couple of years.
Now they have to think about buying a house with high mortgage interests, or going on a vacation abroad.
I don't think about it, I just have my vacation without worries.
I've experienced this feeling more than a couple of times, and it makes you feel in comfort and makes you confident. THAT is a really good feeling.
That's why I continue saving... It made me feel good before, and that's why it continues to make me feel good.
From a statistical point of view: The chance of death significantly reduced for the last 50 years, thanks for improvement in surgery techniques, drug research, safety rules in transportation etc. That's why the world as a whole gets older.
We're no longer facing the risk of a wild animal attack, dieing because of a broken arm getting infection etc.
Therefore from a statistical point of view, saving money is one of the most logical thing that you can do.
Otherwise you're going to have a poor life when you get old.