Starting in your mid-30s, you can get a family, get a job, start making money and eventually get to the 2-3x. Sure, you'll be late to the party, but you'll make it. Moreover, it's going to be a looooong party. Does it really matter if you were there for N hours instead of N + 5?

However, what happens if someone in their mid-30s who has been in the party for quite some time now wants to leave it and go back to school?