I am on this in my late 20s. I know people who got there in their 30s, 40s, 50s...
Presumably, some die without ever getting there.
Freedom is undervalued.
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The most useful thing I learned from my parents is that if you neurotically teach your kids to be risk-averse, they will just end up taking those risks as less practiced, less resilient adults.
(If they're lucky.)
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