Dave - "Smokers Only":

You learn things in your late 20s that you can't imagine in your early 20s. And the early 30s have their lessons, as do the mid 30s and the late 30s (oh boy!) and then the early 40s. And some of the learning is pegged to other people's experiences. Like when one of your parents dies. Or a child goes to college. Or things out of your control (bypass surgery).

Eh, what does an old fart like that know anyway..