[globular-toast]

Don't forget though there are things you won't be able to do at 50 even if you're retired. I'd hate to think of someone being a virgin hermit finally coming out the shell at 50 thinking the world is their oyster now. Some things you have to do when you are young.

[bluecalm]

My experience is that most decisions aren't of the type. It's not that you're choosing fun at 20 or longer fun at 50. Investing or not. Renting a cheaper place for a while or buying a bigger house right now. A lot of the time you will get more money and more fun if you do it right.

[hintklb]

I'm not sure what you are talking about? I did way more in my 30s and 40s than most of my peers that are not mindful of anything.

The whole point of opportunity cost is to be mindful of what you are spending your time and efforts on. It is not only about money

[esperent]

Probably far fewer things than you think, though, as long as you're healthy. You can still have love affairs, travel the world, go to festivals, climb mountains, learn to dance well into your 70s or even 80s, as long as you are healthy. Sure, you might be climbing a small mountain instead of Everest, but small mountains are beautiful too.

[bennyelv]

True, but the chance of you being healthy diminishes strongly over time, and the chance of you being as healthy as your younger self is probably zero.

[esperent]

Health in old age is something that you invest in, much the same as wealth. Of course you can suffer an accident, or lose your investments from bad luck. But in both cases you're guaranteed bad results if you don't put the effort consistently and starting when you're younger.

For health, this means making exercise, good sleep, and good diet a part of your daily routine. Much like investments, you can go as deep on that as you like, but if you start early all you need is basic knowledge.