What should my approach be to spending vs. saving?

I mean, you can't take it with you when you die, and I would hate to die with a ton of money in the bank. On the other hand, I like watching my accounts grow, and I like the security it provides, just having the money. You never know when you may need it. What if I lose my job, etc. What approach should I take? I'm 30, single, and don't plan on having kids. Help me be at peace with this issue.