More than likely the day will come when the memories you hold in your memory bank will be of more value that the money you have deposited in your bank account. At that time, you might be limited in what you can and can't do, can go and can't go but with your memories you are free to redo what you've done and revisit places you've been.
Realize now while you can that those memories will be priceless to you in your golden years so make them now while you can.  Become conscious of the passing of time. Make every day one worth remembering. Uplift your spirits or perhaps uplift someone else's.
Invest in the bank that will reward you for years to come.