TIME and MONEY bound life sucks!!!

I am unable to take lightly the confusing things..... 'TIME' and 'MONEY'.... Time is uncontrollable. It keeps on moving forward. You do something or just sleep or even go to coma state... TIME keeps on moving. Money is just... just.. a paper with value. But today we are building imaginary buildings with MONEY (i.e. EMI/ interest rate/ stocks/ gold/ investments etc). I know many people who just calculate the monthly-savings-plan and Retirement-savings-plan etc. Why would they do that rather than just living. Do retirement savings come to you after you die? NOPE>>>> then why you are investing so much 'TIME' on this silly 'MONEY'??? Don't you think this is illogical and really funny?? I do so.. 80 % of the time is spent on planning the MONEY. So I feel the life is full of imaginary MONEY and TIME. This should be changed....