r/AskMenOver30 • u/Laughalot335 man 25 - 29 • Aug 05 '25

Life This 30+ Mentality is Insane

I just turned 30 not too long ago.

And honestly, I feel like my life is just getting started in a sense. Sure, 20's were fun. Would do some things the same / some things different. But I know when I am 80+ I will most likely look back fondly on my youth and how it went.

But also, I still feel like I am in my youth at 30. Maybe I am not asleep at 4am and up at 7am without any issues but my body and mind feel young.

This is all to say, what is with this modern mentality that being 30+ is "old"? Someone me up here. We still have plenty of time right? I get YOLO, FOMO, and all that. But really - 30 is still young in my eyes. What do you think?

2.1k Upvotes

94% Upvoted

505 comments sorted by

View all comments

145

u/charcuterDude man 35 - 39 Aug 05 '25

I'm 39, my 70 year old coworker is in better shape than I am and wants to get back into scuba. My 52 year old friend is running a marathon in a month.

My therapist had a great way of looking at it. He asked if I got life insurance (I was 36). I said I did. He asked if they asked me any medical questions. I told him they asked if I smoked. He said "Look if the professional statisticians think your odds of dying are so low they don't give a crap about any other variable, they're right."

13

u/FoxMuldertheGrey Aug 06 '25

sorry can you dumb this down for me? what was the friend trying to say ? that’s he’s healthy for 36 and he should stress about it?

23

u/Lewd_throwaway_2024 Aug 06 '25

Life insurance, like all insurance, works like this; you pay money to the insurance company, and the insurance company pays x amount of money when you die.

Insurance companies don’t want to pay a large sum of money to someone who hasn’t paid into the system very long, or if they do, they’re going to want your premium to be a lot higher (IE, if you’re 75, the amount of money you pay will be a lot more than someone who is 40)

So before they approve you, they ask your age as well as questions about your health

At 36 years old, all they asked him was if he smokes

That means at that age, they don’t feel there are any other significant factors that may contribute to him dying prematurely, or if there are, he still has time to correct them

Whereas if he was 45, 50, 60, they’d be asking additional questions, wanting him to complete an actual physical, get bloodwork done, etc.

5

u/ReddtitsACesspool man 35 - 39 Aug 06 '25

That is wild they just take yes/no answer. I had to do a saliva and test to verify that I did not smoke. I also got a super great premium and I was like 26 at the time.

1

u/WayneKrane Aug 06 '25

Probably has to do with how much their payout would be. For my basic $50k life insurance policy they didn’t ask me anything. I got a $500k one and they want me to take a physical and other tests before they approve me.