Is it a sin to waste money on luxuries instead of saving it?

[Śrī Tinku asked: Jai Guru Datta! While watching travel vlogs on Facebook and YouTube, I feel that I will be happy if I also get to travel in luxurious trains and aeroplanes and stay in those costly hotels and experience all those nice things. But sometimes, I feel, instead of wasting money on those luxuries, I could save that money and use it for future expenses. What if I travel in those expensive aeroplanes and stay in those hotels? Will it be a sin?]

Swami replied: There is no question of merit or sin in this concept. It is only about taking care of your future, since life is always filled with many risks and several unexpected turns. This is only a matter related to materialistic life (pravṛtti) and is not at all related to divine life (nivṛtti).