“So if you don’t struggle and labor now when you are young, you won’t reap the benefit when you’re old; you won’t have anything in your ‘retirement fund.’ So, my child, you too should work hard now so that when the years have passed and you’re old, you will find these things. Just as our forefathers used to say: ‘Work when you’re young to have something when you’re old’.”
(Elder Joseph the Hesychast in  ‘Monastic Wisdom’)