[jfdk]

I think this largely depends on how much money you are chasing and your aspirations.

I care about money not because I want to have lots of things but because I want the freedom to work on my own ideas (without selling my soul to a VC). A certain amount of money early in life can greatly change your trajectory, for better or for worse. It just takes discipline.

[codingdave]

That still needs to be balanced, though. As you get older, you'll lose time to other things. You may get sick, injured, or die. There is no guarantee that you will have a "later".

So find the balance - live enough to be happy with today, but work enough to be prepared for tomorrow.