I started cruising full time when I was 34 back in August of 2005. And yeah, it's definitely hard to meet other younger people especially if you get off the beaten path. When I sailed across the South Pacific in 2006-2008 there were two other couples that year in their 30's and two different single handed guys in their 20's. Not to say I don't like hanging out with all the other cruisers because I do, but it's a rare and special treat to hang with people your age. I've had tons of awesome crew and met my wife to be in New Zealand. I'm on my third boat since I began the journey after slowly figuring out what works for how and where I like to sail.
I'd say go now and worry about retirement later.
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