Money as a tool: Money should create valuable life experiences, not be hoarded as an end in itself.
Net fulfillment over net worth: Oversaving can lead to under-living and missed opportunities that are most valuable earlier in life.
Time is the limiting resource: Health and time are finite, and many experiences lose value if postponed too long.
Memory dividends: Experiences purchased earlier can keep paying emotional returns for decades through memory and shared stories.
Practical framework
Experience bucketing / time-bucketing: Plan key experiences by life stage (for example, 30s, 40s, 50s) instead of maintaining a vague bucket list.
Personal interest rate: Compare doing an experience now vs. later based on current health, available time, and likely enjoyment.
Net worth curve and “know your peak”: Identify when to shift from accumulation to spending, often around midlife, to avoid dying with excess unused money.
Give while alive: Transfer money to family or charities earlier, when it can have more impact and when you can witness the benefit.
My take
I value travelling the most of all experiences, therefore I will spend money to travel to the places I want to without regret!
Another obvious one here is buying expensive, good food; it will actually make you live longer!