I'll be honest — for the most part I have loved my thirties.

If you happen to be turning 30 soon I will usually give you my unsolicited advice that 30 is THE BEST DECADE EVER. And yes I will say it that emphatically.

Because it truly is a great decade. You know yourself so much better, you've likely done therapy so can make better decisions. The toxic exes are behind and you can finally relax and enjoy the fruits of your hard 20s labour.

I don't know many people that miss or romanticise their twenties.

For some of us our memories include graduating into one of the worst recessions (lucky us), feeling so poor, living with our parents for what felt like forever, having an emotional breakdown over the hot guy (who we were sure would be our husband) that didn't text us back. Should I go on, or do you get the picture?

It wasn't a fun time. And if this wasn't your experience, all I can say is that you, my dear, were one of the lucky ones.

But hurray — you're in your 30s now and you've made it-ish.

Life feels good, great even (despite sleep deprivation).

But you're slowly creeping towards the end of your thirties and the question pops into your mind…

What will my 40s look like?

Should we be scared?

I truly have no idea what to expect in this decade so I did some digging and really loved what I found.

First, 40s could potentially be the new thirties.

Please don't cancel me for being so cringey!

I really think this could be true.

The Wall Street Journal went viral with an article titled 'Your 40s Used to be Middle Age. Not Anymore.'

It makes the case that the 40s aren't the sensible, sorted decade our mums warned us about. They're a genuinely open, changeable era now — just as messy and undecided as our 30s have been.

The milestones we assumed would be locked down by 40 — the house, the baby, the "arrived" career — have all quietly shifted later. Not because women gave up on them. Because life stopped following the old schedule.

And the numbers back it up:

The average age of a first-time homebuyer is now 40.

Births to women over 40 have nearly tripled since 1990.

And women make up the vast majority of the growing wave of over-40s going back for a masters degree.

And it's not just the data. Look around right now and the evidence is everywhere.

Oprah went viral on Keke Palmer's podcast a few weeks ago saying that life really starts at 44 — that it's the age you finally stop performing for everyone else and come into yourself. Not 30. Forty-four.

Anne Hathaway just announced she's pregnant with her third child. She's 43.

And Serena Williams — arguably the greatest to ever do it — is returning to professional tennis at 44, after nearly four years away from the sport. Why? She wanted her daughters to watch her play.

An Oscar winner starting a new chapter of motherhood. A tennis legend deciding retirement wasn't actually the final word. A media mogul telling us the good part didn't even start until 44.

I don't know about you, but that's starting to look less like a coincidence and more like a pattern.

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DISCLAIMER: None of this is financial or legal advice and we are not certified financial advisers or lawyers! This newsletter is strictly educational. Please  consult with an independent financial advisor or lawyer for advice on your specific circumstances.