Probably the point in life where your bad habits start to kill you if you haven't given them up by your early 40's.
It’s mind blowing the amount of people who bought the farm in their 50s. That’s exactly it what you said, the piper comes calling on all those bad habits and I haven’t exactly been a saint in that dept. When I use to live in Queens New York I came home one day and found my neighbor in the hallway completely bald. I han’t seen her in a while and she started crying told me she had lung cancer and been getting the chemo and radiation. Long time smoker although she quit 5 years earlier. A month after I seen her she was dead, only 54.