Absolutely agree.

In my 20's I was completely certain that I would be successful without hard work as I was smart & talented. After a decade of that imagined success not materialising I am far hungrier, more determined and working harder now than I have ever been before.

Much as I'd like to believe this, I was recently having a discussion with a neuroscience researcher where he talked about this natural phenomenon they've observed. Infants are on this side of the line craving novelty and mastery while aged folks are on the opposite end with comfort and familiarity. Everyone else lies sequentially in between.

That made a lot of sense to me. No doubt we can override it but...this kind of predisposition does place restrictions that one may not otherwise account for.

Plus, what better time than NOW!

I say this as I study for midterms

I think you're both right. There is a strong tendency for people to get comfortable and less hungry as they age. But there's no reason this can't be resisted. Indeed, I've done that myself. :)