I too have an opinion
As howard Edson said I too have met Young Medium And older Folks while cruising and all were enjoying it. You will have to determine what is best for you. For some who were cruising with, and home schooling their kids, it was a family adventure, but I (with my wife), waited until after we retired. I think it was a shame that so many of the younger folks I encountered had to curtail there cruising because their cruising kitty had run out. They had to go back to earn more money. And then, even though they were cruising, they had to pinch their pennies to prolong what they had. It also seemed as though they were trying to cram too much into a single cruise, because the end was always in sight for that particular cruise. So they were more on the go, to get to places, and see things. They weren't as laid back as the older folks we met.My wife and I on the other hand waited until after retirement. We had a nice retirement income and reasonable health an were able to cruise in a very relaxed style. Anchoring for as much as a month in one little harbor. So everyone sees it differently, The young people will be able to look back and say they did it, and enjoyed it, But then, they may have to work well past the retirement age to make up for it, and that could be a hardship. The other part is, that if they didn't do it when they were young, they could have become ill and never done it at all. Who can say what life is going to offer. My choice was good for me, and I'm sure yours will be just as good for you.Happy SailingJoe S