[LouisSayers]

I wouldn't say being younger is necessarily more valuable, it's more that there are many reasons not to sacrifice yourself totally in your prime (in terms of health / fitness, sexual appeal etc) just to be wealthy and "more comfortable" in retirement.

We of course can't trade our older years with our younger years.

For me personally, I'd much rather have spent the time with family, travelled to the places I wanted, slept around and worked on things I found fun than to slave away, just to save for a greater comfort in a future that is uncertain.

Of course I still hope to be comfortable in retirement, but without a doubt I would regret having chosen a certain path that would lead to comfort than a slightly less predictable path where comfort is not guaranteed.