[jiveturkey]

perhaps? you can't even rent a car until you're 25. this isn't due to being overly cautious, this is actuarial science at work. you are not really an adult until you are 25 ... unless of course you've had an especially hard life. even then, before 25 you are quite more impulsive than after.

somewhere around midlife your perspectives will shift again. i imagine when you hit your later senior years (retirement age), yet again.

Perhaps? It goes without saying that until you hit retirement you don't have a full perspective of what life can be. Until say 10 years after life starts to degrade for you (age-related health), you will not have a full perspective.

22. lol.