The smartest way to use your money, is to have your money working for you!
Middle-class people (we) always do the mistake of using money on depreciating asset (house, car, watches..)
Instead, invest it in something (I won’t tell you what now, YOU have to find out…) that gives you a return every year. 5%, 10%, 20% it doesn’t matter as long as you earn instead of spending.
But of course, enjoy life and bless your family and friends with 10%/20% of that money won’t hurt :)