Yep, I sensed you meant it more in this way.
And you are right that 39 age onward - done right - should be wonderful. The example I gave definitely applied to me, I levered around dot com bust, and it took me awhile to recover as well as the awareness to get back into the market. Right in time for the GFC, but that ended up being a blessing. A bit older, I was able to keep a more level head about things.