Nature has always favored that which saves and prepares for the future. The squirrel collects and stores nuts so that it will not go without in the winter. It is rare that a person can go through life without saving and live a fruitful life. If this is true,what benefits are there in being a "spender or a consumer"?. The consumer of products and services is someone who lives in the moment. They fear not for tommorrow and they probably live with more instant gratification. They believe they should enjoy life and they feel they are deserving of the fruits of life. Very few people can live this lifestyle and have anything left over, but it does make the early years of life more enjoyable. Unfortunately, like the animals who don't save, there will be no quality of life later. ALADE SUNDAY SEGUN,MUTUAL BENEFITS ASSURANCE PLC.Tel=08032295557.