I'll take a stab at it, with a bunch of generalizations for ease of discussion (and probably get everyone on the board angry in the process). But nevermind; Im on the the other end of life from you - the retired end, so this is one way to see it looking back.
First let me say, good on ya! Go for your dreams and have a blast while youre still young. You'll never be 20-25 again so why not? Do it and enjoy! Truely.
But the burden of working for the Man shall come for you eventually. And that's probably where many who talk money are coming from. One theory goes, youre put on this earth to procreate and protect the species. Translation: you get a good job, marry a nice girl, have a two kids and a dog/cat, buy a white picket fence house with a mortgage, two cars, a few toys etc, and when you do all that, you come to the realization that you need MONEY to survive. I mean a good wage such that your expenses are less than your income. ie = savings. And kids are over the top expensive, if you have any intention to be a responsible adult and protect what you created. Gas is expensive. Milk is expensive. Taxes are expensive. And $2 six-pack low brow beer? NO way. As you get older, the tolerable beer of your youth is nothing you want to drink. You want the good micro brew hoidy-toidy stuff. Eat out? $100 for a family of four at an average restaurant. Have people over to entertain for the SuperBowl? $250 out the door, before you buy that big 1000" screen TV. Wife likes baubles and stuff....well you get the point. No lady I know doesn't like shopping of some sort (not being sexist; guys like shopping too. Its called Northern Tool, Lowes, Home Depot, Pep-Boys, The Gun Super-store, etc)
If you start working at 21 and build your wage base etc, by the time your 28+ you can "start" to do these things. Fore-go those early years, and it just sets you back the requisite amount of time. You get the picture.
Ok, I apologize to anyone who is offended by the generalizations. Again its only for conversation and not necessarily my point of view.