Not a hard dilemma really, go out with a bang, but only later in life.
Work hard in your 20s. Save up, buy a house. 30s should be traveling, sports cars, and various other hobbies learning about the world. Make sure you stay in shape
Then when you hit 40 that's when you go all out. By the time you hit 40 you've lived a good meaningful life. There's no point in waiting till 50+ because you risk getting flabby and sick
, meaning less attractive women, and yo stamina in bed ain't gone be all that good