See, the trouble with us human beings is our exaggerated sense of importance. That's why we invent curious notions like heaven and the soul. We don't like to accept that in universal terms, we are a very insignificant minority.
I think we're going to consume ourselves out of existence one day. But so what? The galaxies won't even notice, and planet earth will likely just reinvent itself and give rise to smarter life. We won't be its first extinction. And certainly we won't be the last. But I'll be in heaven by then!
Learn first to treat your time as you would your money, then treat your money as you do your time.