Look, you can be old and rich or young an poor, but being old and poor is bad shit.
A surefire way of doing the wrong kind of things is to spend your money early or try to live a good life quickly without thinking about the future. Or if you have an ok job or income to think that is enough, even if you cannot save.
Lazy people will have this mindset because they will not try to maximize all the possibilities that exist in order to earn more and start to invest, usually, they will use the words enjoy life even though if they do not start investing it is impossible to enjoy life when they are elderly unless they win the lottery because it is impossible to live only by relying on today's income for a better future, except by starting to save and invest to be able to beat inflation.
Well, some of my friends didn't save at a young age because they wanted to enjoy their youth, many people who aim to have investments at a young age they're hoping their investment can give a financial freedom when they're retired. My friend said youth only happens once in a lifetime so they want to enjoy it without any regret because they miss their youth. As long as we can maintain our spending so we won't have any debt I think it's people choice.