From the time that someone graduates from high school or from university plans begin to be formed for finding employment and plans for saving, for purchasing a home, getting married, having children, and retirement. It is well understood that each person has only so many years to live, to enjoy life, and to save up until old age overtakes them and they are no longer able to bring in an income.
There is nothing unreasonable about any of these things. The important point to keep in mind is that everyone eventually dies and will leave the earth in the same state that they entered it. You can take nothing with you into eternity. The reality of a limited existence on earth is something that must be acknowledged.
One could use a metaphor of travel for one who will eventually die, leaving behind everything that he has acquired in his years on earth. If you don’t prepare for your time traveling, you will find that your destination may be less than you had hoped for. If you transition into eternity without being prepared for what awaits you there, you will find yourself miserable and confused.
From a Christian perspective, if you focus your attention on being holy, on loving your neighbor and doing good to those around you, you will find that your heart and soul are prepared for an eternity in the presence of God. If you have not found holiness to be worth your time to pursue while alive on earth, you will find an eternity in the presence of a holy God unpleasant as well.
In whatever state you leave your heart and soul, your eternity will be reflection of that neglect or preparation. Be prepared, acquire knowledge, pursue holiness, and look forward to an eternity of holiness and love so that you are not miserable for an unending existence. Like failing to prepare for a marathon, your time running the twenty-six miles will be miserable if you failed to think through the ramifications of your laziness.