For your heart will always be where your riches are. Matthew 6:21
Watch how a person likes to spend his money, with whom he/she likes to associate, and how he/she prefers to to spend his/her time and you will discover where his/her heart is. Thus your desires, your friends, and your days can be your riches here on earth.
But desires change, friends move away, and our days are as variable as the weather.
Consider banking on that which is not vulnerable to time and age. Be rich with and toward God. Let your desires, your friends, and your days be fringe benefits.