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I can only speak for myself but I surely have made different decisions as I've gotten older and experienced more things. Younger people tend not to think of their long-term perspective and the fact that they're going need to support themselves financially in, what will usually be, a more difficult world to navigate from most aspacts. So, they think more about their immediate lives and say things like, *"I may not even make it to older age," but what if they do? Financially destitute and living in squalor? Yep, probably. Anyway, it's up to the individual to make their own decisions and I'll be around long enough to be able to say I told you so to many of those who make bad ones.