You can keep your money with you, for if you didn't use it for the sake of Allah then it may bring about your downfall. Listen to how Abu Dharr (radiAllahu anhu) understood some very valuable advice from the Messenger of Allah (sallallahu 'alaihi wa sallam), Remember the title of this post?
Listen to what Hasan as-Somali (hafidhahullah Ta'ala) mentioned about giving for the sake of Allah and what level of attachment we should have to this dunya.
For if you are successful in the grave then what comes after it will be easier in the Aakirah and if you are not successful in the grave then what comes after it due to disobedience is even worse than that.
Now is the time to make those moves before the grave becomes your abode.
Abu Hurairah (رضي الله عنه) narrated that The Prophet ﷺ said: "Whoever invites to guidance will be rewarded like those who follow him in the guidance are rewarded, and that will not decrease the reward of those who have followed him." [Collected by Imām Muslim]
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