Money spent now is worth more than money spent later in more ways than one.

This is so true, thank you for expressing this thought so concisely. In my language (Bulgarian) there's a saying "whatever you eat and drink now, nobody can take away from you", which has a similar sentiment, but also acknowledges the risk of unforeseen future circumstances - nobody can predict if there's going to be another pandemic, economy crisis, war - when calculating future gains one needs to also take the risk of those into account.