no one ever has it figured out,....
which has little to do with knowing what you want,...
there are posters hereabouts who may have thought they had it figured out at 35YO, and yet today they do not even work in nukes and wonder how they did not know better 10+ years ago,...
do not confuse hindsight with knowing what you want in the present,...
at any age,.................it's always time to fish or cut bait,....pick the one you want and live with it,...