I'm 34 but started biking at 21. I needed a job while I attended school. Alot of my friends who purchased cars never finished college and I didn't want to end up selling cars or working at Pathmark the rest of my life. I can't tell you how many people I met over the years who gave up college to pay for their cars.
Anyway. I used my brothers 10 speed to get to work. After college, I continued to commute but had to park the bike to catch the train into Manhattan. Then I discovered the folder. So now I go right into the city.. Bike and all.