Saving vs hoarding

While the Bible seems to acknowledge the benefits of a wise saving plan(Gen 41), it warns us against trusting in our savings (Matt 6:19-21).  Could this be the reason God's special provision (manna) had to be gathered daily and could not be stored? This limitation kept the food from being hoarded, or used a currency. Are you wisely saving for the future, or are you hoarding God's gifts?