First one would have to define "youth" before you can judge if it's wasted or not.
I moved here from NY at 34. In NY, in most of my circles, I was the youngest (married at 20, first child at 23).
Moved to TX in '94. Now I'm one of the oldest in my "circles".
I haven't changed but have gone from the "youth" in one circle to the "elder" in another.
My wife was at risk of Huntingtons Disease since she was 17 (a 50-50 chance she would carry the gene).
I have always worked jobs that afforded me extra time to spend with my wife and kids (since I wasn't sure how many "good" years we'd have together). Five years ago she took a test to confirm whether or not she carried the gene. She doesn't.
Five years ago my wife got her "youth" back, at 44.
We have two sons (23 & 20).
I was able to coach my kids in varoius sports over the years. Go to their school plays. Spend TIME with them. Be part of their daily lives.
Today, my wife is full of life and my kids (who have both moved out over the last 2 years) invite me to play poker with them and their friends. We watch sports together, PLAY football (legs are gone but the arm is still there. lol)
I'm 47 now.
I have much less of a financial "cushion" than most my age and probably earn less in salary.
That shortfall I'll have to make up for over the next 20 or so years.
My "youth" has lasted into my forties and I don't see it leaving anytime soon.
Being a daily part of my families lives over the last 25 years...priceless (and "youth" inducing).
Stay healthy. Focus on the big picture. People...not cash.
People keep you young. Chasing cash makes you old.
That's my 2-cents worth. Spend it any way you like.