It's somewhat subjective of course. I think there's a healthy balance where you buy things that provide value to you at the moment. I think hoarding means somet

It's somewhat subjective of course. I think there's a healthy balance where you buy things that provide value to you at the moment. I think hoarding means something unhealthy, when you suffer just to keep the money. The money wouldn't provide the highest return - it would grow with the economy, i.e. provide average return. People don't hoard stocks, index funds or gold. They spend the profits when they want something for themselves. Why not have money that works like that.