A penny a day, Keeps 'em millions Away!

I splashed 130 pounds today
On clothes and a pair of shoes to my dismay
In H&M's fat belly the money went
And I handed over my wallet's content
At this rate if I carry on this way
My fortune will never see the light of day
May even end up living in a tent
When all my pennies and wealth are spent
I'll never grace Forbes' Richest Array
But I doubt I would even care to say
That I regret not being among the elect
Because Dad said that it's not a defect
For money's there to burn into a ray
Of sunlight and brighten up a gloomy bay