What's the point of me working when I have nothing to spend money on ?

To pay the rent and buy food.

You could be planning to start your own business so you could create your own job plus maybe even jobs for others.

Good work is its own reward. Money is secondary to the satisfaction of a job well done. That's the point.

Because you're working and saving for your retirement. You need to look and plan ahead because you will be old one day and you'll need every dollar you've got. 

How would you pay rent, utilities health insurance, food without a job ?

You might want some things some day hon

It gives you something to do, instead of being lazy.

If you have nothing to spend it on then save it. You'll be glad you did someday. 

Rent and other bills. And lots n lots o drugs.