The point of having money is...

To never spend it. Because then you're giving it to some rich guy and then you're poor again.

In the movie "The gods must be crazy" They were trying to give the bushman money for his work at the end of the movie. But the guy who understood the bushmen said "He don't want the money, money only buys things, and bushmen don't need things" and then they gave it to him anyway and the bushman tossed it aside later and it blew away in the wind.

Need not want not. In church they will tell you to have no want or need for anything in order to get closer to god. And if you have nothing or are going through a trial it's just god trying to teach you something or teach someone else through you. Vow of poverty is along these lines.

The goal in life is not to get more and more money, or even to enjoy spending your money. The goal is to be happy and fulfilled in life. This is different for everyone. For some it's going to a tropical paradise someday. For others it's making a family and just living together for ever and for others it's doing charity. The best things in life are free, and true happiness is something we have to find out how to achieve because it's not taught in schools. This may be those lessons god is supposedly trying to teach us, or it's just the better part of human nature shining through that makes us happiest.