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Your 20s are a time to explore, weigh your options, test the waters and have some fun, right? Not according to clinical psychologist Dr. Meg Jay, author of The Defining Decade. In her opinion, the 20s are an adult’s most important decade, and a determiner of earning power, relationship success, strategic brain development and more. You may think you have all the time in the world, but Meg says that the small steps you take now will affect where you are in 30 years. If you’re past your 20s, don’t fear; Meg also offers some ways we can recoup opportunities lost. This interview opened my eyes.