I'm 27 and I'm basically out of that "kid" stage that most men are still in during their early 20s (and, hell, some into their 30s and 40s). I've started to take life and mostly my ambitions A LOT more seriously now.
MY problem (personal problem) is that I didn't take shyt seriously during my younger years so I'm basically starting life from zero now... and my other problem (a problem for pretty much everyone now) is that the economy is still shyt and it's hard out here when you're starting from the bottom.
So I'm behind the eight ball right now when it comes to credit, savings, my debt level, etc., but I'm getting there. I'm also now taking women A LOT more seriously, in the sense that even six months ago I was only looking for any random chick to stick my dikk in, and now I'm judging women as potential mates or mothers of my children and the such.