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.
Time once gone never comes back just as money cannot be earned throughout life. There is a time frame for doing anything, those who can use that time to the fullest are successful. What I personally value is savings. I may have an opportunity to earn money today, but there is no guarantee that I will be able to do so regularly tomorrow. If something like that happens then we must know how we can control that time. We all know that life is not a bed of roses. The time we are thinking of enjoying is considered by many to be the perfect time to make a bright future.
what you say here is true, time cannot be returned, neither can money, when we spend it on unimportant things it will be a waste, don't let us regret it later because the money we earn won't last long in our hands, saving is important but investing is much more important, this must be applied to many people, so that when old age comes, the money will still be there.