There are four things that can realistically be done with money. You can save it for a use at a later date, spend it to satisfy an immediate need, lend it to someone else with the expectations of receiving it back with interest or give it away to help provide a need for someone or something else. I do all four in order to build a strong foundation for myself and family. Should it be a 25% in each bucket or a mixture depending on your situation? I'm in the investment stage of my life so I'm doing more saving and lending then giving money away right now.
What is your percentage of saving, spending, lending and giving? What phase are you in life?