There is a difference between intelligence and wisdom. I'm sure there are some intelligent and relatively wise late twenty somethings but our culture seems to retard maturity in young people. The maturity comes from being independent and living life, as well as trying to learn from life. Last semester I was in chemistry lab with plenty of smart young girls, weed out class for medical and engineering students, but their maturity level...how do think I know so much about Taylor Swift? Compared to my weekend Physics lab last year, 90% of the women already had a bachelors degree and were going back to school for better career options, the difference was night and day for the twenty-four plus women.