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Neurobiologically the single most important fact about, say, a 20 year old brain is the fact that almost all of it is already matured, fully wired up—myelinated, a jargon-y term for it. The reward dopamine system has been going full blast, and somewhere around like early puberty all of the brain is totally up to speed—except for the frontal cortex.

Probably the most interesting fact about human development is the frontal cortex is the last part of the brain to fully mature. It is not completely online until you’re about 25 years old, which is mind-boggling to think about. What does that explain?

That explains why adolescents are adolescent in their behavior. The sensation-seeking, the risk-taking; the highs are higher and the lows are lower, because the steadying frontal cortical hand there isn’t fully up to speed yet, and everything else is a gyroscope out of control. And that’s where the impulsivity is from. And that’s where the extremes of behavior, and that’s why most crime is committed by people at a stage whose frontal cortex is not fully developed yet.

That is why most people who do astonishing wondrously self-sacrificial things don’t have the frontal cortex that’s fully in gear yet either and is not in a position to convince them yet “Ah, somebody else’s problem. Look the other way.” That’s why young adults are exactly how they are.

Because the frontal cortex isn’t quite there yet, and what you have as a result is more adventurousness and more open to novelty and more likelihood of seeing somebody who’s very different as, in fact, not being that different after all. And more likely to grab a cudgel and smash in somebody’s skull who happens to seem like a “Them”.

And everything, just the tone of everything, is pushed up. One incredibly important implication of that is, if the frontal cortex is the last part of the brain to fully mature it means it’s the part of the brain that is most sculpted by environment and experience—and least constrained by genes. And it’s the most interesting part of the brain. Meanwhile, look at the other end of it.

Look at 60-year-old’s and what’s going on there. If you are a 60 year old human, or say a rat equivalent of a 60 year old, you are far more closed to novelty than a 20 year old, than an adolescent rat is. Take a rat, for example, and see at what points in life is it willing to try a new food: And exactly the equivalent of late teenage years, early adulthood, and then you close to novelty.

Any species out there shows that pattern including humans. So a 60 year old is resistant to change, is resistant to somebody else’s novelty. A 60 year old unlike a 20 year old deals with stress in a very particular way. If you’re 20 what stress management is about is trying to overcome the stressor and defeat it.

If you’re 60 what stress management is about is learning to accommodate what things you’re not going to be able to change, and there’s nothing you can do about the fact that your knees hurt like hell; and it’s accommodating, it’s learning the difference between what you can change and what you can’t. If you’re 20 there’s nothing in the world you can’t change.

By the time you’re 60 what knowledge, (which intelligence is mostly about) is crystallized fact-based knowledge, and crystallized strategies for dealing with that knowledge. What a 20 year old intelligence is about is fluid, improvising, changing of set, reversing of orders. All of that is a very, very different sort of picture. So 20 and 60 year old brains and 20 and 60 year old social worlds are remarkably different.

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