At 35, I'm definitely starting to feel more like a grown-up than I ever have. There's nothing in my life that is childish or whimsical. Having fun is fantastic and I never want to lose a sense of that - and also, I think, you have to have that to put into your work or else it's going to feel stiff.
Now where people are - at least the people I talk to - they are focused on issues of trust. Accountability also comes up, to make sure that this doesn't happen again.
The key to making healthy decisions is to respect your future self. Honor him or her. Treat him or her like you would treat a friend or a loved one. A Stanford study showed that those who saw a photo of their future self made smarter financial decisions.