From my experience I think that it’s a damn good idea for a 24 yr old to ask about this. I’m 51 and I can say that there are varying levels of shitiness and goodness that can happen to people through life. You have to strike a balance between preparation for the most comfortable old age possible and practicable; and, as a previous poster said, having a supply of good memories and experiences.
I think my situation offers me a good viewpoint. I was an overly critical, judgemental, cynical asshole who suddenly recognized this in my mid 40s. I was also afraid of failure and afraid to try new things. At 47 I started getting anger management counselling with a psychologist (there are a pile of family background issues) which has been a god-send. Throughout all of this I have been married to an incredibly wonderful woman but I did not make things easy for us. So here I am, no longer a cynical, overly critical, judgemental asshole who still gets tune-ups, via webcam, with the psychologist. The problem is that I now can look back at a life which, in my opinion, was significantly wasted. Because of all my traits I can’t even imagine how many people I’ve hurt or pissed off, not to mention damage I then did to my future (ie now).
Physically, up until a few years ago, I was cycling 40 to 60 kilometers daily and I had five different bikes and I had a few close friends who were similarly capable. At 47 my lower back and knees started to crap out and my cycling is greatly reduced. Of my cohort of fit friends my age I am the first to start degrading physically - I have one good friend who is 52 or 53 who, with some other 50s friends routinely goes for 50 to 100 km rides.
I have another friend, my age, who has watched his wife die of some mystery illness over the last three years.
At the same time, despite my behaviour, I’ve done reasonably well. I have more regrets than complaints.
All this to say:
If you think you have anger issues or confidence issues (I’m not saying that you do) get them sorted out.
Try, do, see, listen to, as many things as you can as long as your not hurting anyone.
Find a good financial planner now and start managing your money. Start now and you won’t have to sacrifice as much.
When you’re thrown into crappy work and social situations (ie horrible boss, unpleasant family gatherings) think carefully about what you are getting from them. Early on you might learn important things from them but, later in life, you might rightly decide that there’s no value in wasting your life with these things.
My apologies for the long windedness.