[keating]

Your 35 cutoff seems ridiculously arbitrary and ageist.

If anything, more experience means more exposure to more ideas and thus gives you an advantage in coming up with something innovative. There is more cross-pollination.

This is a function of time and effort and so only loosely correlated with age.

[michaelneale]

Also, hopefully, more money/financial security with a bit of age. I am nearly 34, own own house, car, etc etc... nice to have that bit of security. But I guess in big cities you are a wage slave for a long long time, so its a harder jump to make.

[keating]

If you don't own them outright then your financial obligations actually give you less freedom. When you have nothing to lose, that's when you swing for the fences.

[michaelneale]

own == own outright. Otherwise the bank owns them in reality !

Swing for fences means "take a chance" I assume ?