My wife is in her mid 40s and hasnt figured it out yet. Constantly pissed at the company she works for screwing over people in her position with more and more responsibility for no pay increase. An opportunity came up and it was going to be rather inexpensive to open a competing business three miles down the road and it would have screwed over the company she works for, and she won't even let me look into it. She will never get by at her current job.