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Money spent (rather than invested) in one's 20s offers greater opportunity for enjoyment than when in your 60s, when your choices are more limited

Would you care to elaborate on this? I don't (yet) have first-hand experience with being in my 60's, but I did watch my parents spend money to their great enjoyment after they retired in their 60's.

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Exactly, my parents are in their 60's and both retired and are having a bloody great time. Golf, fast cars, lots of holidays, they're loving it.

Good for them. There's still more opportunity for enjoyment for younger folk, though. Even if a 60-something manages to do the same activity, like snowboarding, it's going to be done in a less youthful body. It's a big waste for 20-somethings to overly focus on their career in that decade, unless work is what they most enjoy.

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