For me it comes down to would I rather spend my money now on travelling and good times, and then work it off as I get older, or do I want to save my money now and spend it when I'm older. I've chosen the former largely because I know I have the health to do that stuff now, and that's not likely to be the case as I get older. I've also seen middle-aged people and the vacations, "good times," etc. that they do, and I'm pretty damn sure they're not having nearly as much as I am.
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