What common mistake made by young people is they can always find time to gain money for their selves since they have plenty of time left in this world that's why they set aside those important things and take first what they can make them enjoy their life. YOLO mindset is the one actually killing their dreams so if they don't realize that certain bad things would ever happen if they didn't prepare for their future then for sure they would regret once they realize that they are in late stage on their life. There's no regret will come first as saying says so to avoid getting broke and sick when we get old much better if we are ready then prepared something so that when we became old and retired already we can still live a comfortable life and we can't bother anyone with this.