The fact that she says "that was what my youth was for'' indicates that the speaker's not a teenager anymore and she's (or he's) referring to the past. She refers to it in the past tense again when she says "money can't buy back the love that you had then".
But now, those past "teenage hopes are lying at your door".
In general, I think this song is about regretting not following through on a love once had. The person regretting chose not to follow his old teenage hopes. He chose to give up the "sleepless, long nights" of his youth to do the 'grown-up', less passionate thing and put the "horse before the cart".
Now he is grown up and misses it; he's "cozy" and well-off in some ways because of this decision, but he's "cold" at the same time. He has money now, but that can't buy the love he had then.
The fact that she says "that was what my youth was for'' indicates that the speaker's not a teenager anymore and she's (or he's) referring to the past. She refers to it in the past tense again when she says "money can't buy back the love that you had then".
But now, those past "teenage hopes are lying at your door". In general, I think this song is about regretting not following through on a love once had. The person regretting chose not to follow his old teenage hopes. He chose to give up the "sleepless, long nights" of his youth to do the 'grown-up', less passionate thing and put the "horse before the cart".
Now he is grown up and misses it; he's "cozy" and well-off in some ways because of this decision, but he's "cold" at the same time. He has money now, but that can't buy the love he had then.