This is key. I'm not a 500K a year stock broker like most of Sherdog but I'm comfortable. I give less of a shit about "wasting" money but my time is more precious than gold nowadays, especially with people. Waste my time? Keep on walking.
I'm 36, going to a show this weekend to see a headlining Japanese goregrind band, will hang out with a wide age range of friends and acquaintances, drink more than I should and have a very fun time. The body feels a little "old" but my spirit is forever young.
Generalizing a whole lot but I think a lot of people let themselves get old and settle into boring routines that they can never escape. Partly because they start a family and simply don't have the time to dedicate to themselves like they used to so comfort is key for them. The family life was never, ever for me but hats off to those who wanted it and are doing it right now.