I know I am going waaaay off topic here. But even at my mature age (62 as of now, but a very healthy and active 62) things can change. Ever since I turned 29 and got a big promotion, I have never had to budget much in my entire life. Whenever I really wanted something, I got it. Done. Butthat also meant I didn't save as aggressively as I could have. And two divorces certainly didn't help.
But after my second divorce I became far more diligent in that area. I already has most of the goodies I wanted in life, so zero impact to quality of life.
But then my Mom got extremely sick. She always depended on my financially, but things escalated. Now, 50% of my net salary flows into that purpose. And I think feeling that pinch has made me much better with decisions about what I really need... and wish that lesson would have come much sooner. The compromises I made are all *great* ones.