Punk,
If you don't mind me asking, how old are you? I think your philosophy on this one is a good one.
I'm not sure which religion you prescribe to if any, but one thing I've been told and have read many times whether it be saints or other religious people, is that life is where our purification process begins, where we learn that in the end everything "must" fall from us (material things) and that in the end, only God matters... and our salvation. Nothing else.
I don't mean to depress anybody who has a family and all that, but I just can't help myself from thinking about God on a daily basis, and of that sort of thing.
scott