Well I'll be 34 in two weeks. No kids, no wife, no house. At least I have my hair, a car and cash. 
I'm 32, wife, new baby, cash, and I started having dreams like this around 27.
I tell you a freaky one I had around 27, I was out in the water on a boat trip. I was swimming around the boat, not giving a fuck, then I realized the boat was drifting away, but I didn't think too much of it because it was still kind of close. Then, I looked again, and it had drifted farther, but still in sight, but I started worrying more, and started to swim for it. Well, it kept drifting further away, faster than I could swim. I realized this dream was about my own mortality, and the boat was youth, which slips further away every day.