I am now 80 and look back on my life, and am grateful for happy memories of travelling and living in various parts of the world, making the most of opportunities to try new things and never putting money as the main goal of my life.
When you look back, the cost of something is rarely remembered but the things that you did, and the people you met last all your life, and if things turn out that you are not able to move about so well later on you have those wonderful memories to enjoy. I have a treasured programme from the one time I went to Glyndbourne to see Cosi van Tutti. It was a very special wonderful day, and I remember the people the music the clothes the picnic to this day. A very special memory and I took my mother there too so added family memories. Cant remember what it all cost, but I saved up for it and that day has stayed with me for all these years. No amount of money in the bank would give me such a marvellous memory.
Treasure your friendships, if you move make sure that you keep in touch with those you leave behind, pay your bills and try not to get into debt but dont make money the most important thing in your life. I would also say if you have not tried it before get into gardening of some sort or another. Growing your own things can be very satisfying, there are many gardening clubs which bring lots of interest and wherever you go there will be a gardener somewhere about, and treat yourself to the Yellow Book every year - that is the national open garden book which is definitely my go to luxury every year. They are gardens open to the public in aid of the charity, written in order of counties and wherever you go, there will be wonderful private gardens to see and enjoy. That keeps me travelling and interested and has done for over 30 years.
Finally dont become a creature of total habit. It can be a sensible way of organising your life but always be prepared to go mad on occasions and ignore the jobs and go on an impulse and enjoy a walk or journey to somewhere special to you while you can. Hope to hear from you when you are 50 that you have had a good 10 years and enjoyed what you are able to in life. All the best in whatever you do