If a person saved nothing for retirement that could, we’d call that foolish. The person could protest that to save for retirement would require them to give up some things that they want now. But what’s the big picture?
Mark 8:36 “What will it profit a man if he gains the whole world but loses his soul?”
James 4:14 “…What is your life? For you are a mist that appears for a little time and then vanishes.”
Philippians 3:8 “Indeed, I count everything as loss because of the surpassing worth of knowing Christ Jesus my Lord. For his sake I have suffered the loss of all things and count them as rubbish, in order that I may gain Christ.”
The pleasures of the world are rubbish compared to the eternal riches of knowing Christ.