I got 25, unless sailing for four years as a merchant navy wife counts as having been on a cruise - and that's how I got to the Caribbean. Some of the things no longer apply, but used to - I didn't work until the kids were about 7 and 9 and when they were very small I had a cleaner or an au pair. Oh, and my working was partly to pay for them to go to a private secondary school, but I went to a state one. Even those only get me to 29, but I've always thought I was pretty spoiled :)