How can people who are much older than me be much more retarded in their lives than me?

Anonymous
im only 21 & since I was 12 I was always pretty dope at being strategic, methodical,& organized in my daily life

I always kept a strict routine at just 12

from sports to classwork I was pretty good

my diet & workout routines & especially financial spendings were never out of bounds

at 21 I never had any money issues & especially health issues

no pre diabetes or any type of cardiovascular issue

I've met dudes my age who look 10-15 years older with issues of an old person like arthiritis & heart issues
How can people who are much older than me be much more retarded in their lives than me?
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