Sort of, but the value of money is not linear in utility. If we simplify our assumptions and pretend it's really a binary choice, would you rather buy some flying lessons when you're in your twenties, or your own airplane when you're in your fifties? Some trips to Hawaii in your twenties, or a house in the Maldives in your fifties? I may exaggerate, but my point is that larger sums of money can buy an entirely different class of things.

I actually agree with you, however, if only because I believe it's unlikely that the economy will still be around when I'm 55.