Reckless youth makes rueful age.

Choices made when the body forgives everything are still being paid for decades later, in a currency that was invisible at the time. The difficulty is that youth gives almost no feedback: nothing hurts yet, so nothing seems to be accumulating. What you are actually doing is setting terms for a person you have not met. Some of this is unavoidable and some of it is simply not knowing.

Whatever age you are now, the same structure holds going forward. Ask what one habit your body or your finances are quietly recording, and adjust it slightly rather than dramatically. The later self you are negotiating with is real.