Is it really those things, or is it that as we get older we have something to lose? I could go live like I'm 20 again...reduce my spending to nothing, work all

Is it really those things, or is it that as we get older we have something to lose? I could go live like I'm 20 again...reduce my spending to nothing, work all day on whatever I believe in...but that would cost me my family's comfort, and I rather like them.