I'll be 45 in a few weeks. Most of you know my story. I got my first horse at age 40 and promptly turned into an 8 year old. I grew up in a non-horse family, so my horse experience prior to ownership were lessons here and there and leasing a few TBs. I had a fall when I was 39 that left my right leg non-functioning for 6 weeks. Once I was back to full capacity, I realized while my wallet was never going to magically expand, I wasn't getting any younger and was only a fall away from never being able to ride at all. A few months later, a local radio show was running a contest called, "my one thing". You had to submit what one thing you want more than anything and the winner would get their one thing. I didn't enter the contest but it was crystal clear to me what my one thing was. A few months later, I got my first horse.
While I was initially cautious about riding, going out on trails, jumping and such, I've switched gears over the past few years and find myself getting bolder instead of the opposite. Don't know how that happened, but I'm definitely enjoying the ride.
You just have to see your distance...you don't have to like it.