I agree with you wholeheartedly. For the record, I'm now 36.

For me, after turning 30 it became much harder to attend meetups, learn new things, build side-projects, work on open-source stuff. I now have so many more commitments, and my brain seems to have slowed down.

So my advice is to take advantage of all that free time and mental energy you typically have in your mid-20s. As you said, your bank balance will thank you later.