so called "life experience"
Ha ha, when you have a bit you'll understand. Sorry that does sound patronising, it's not meant to be. I reckon the mid twenties is when it kicks in. But maturity and personality is more important. Some people develop quicker than others. Like G SXTY, I don't believe I was ready when I was 19, despite what I thought at the time. But I've met 19 year olds who were ready.
But being young is hardly a problem. Best time to start if you can.