Probably in my mid 20's when my brain reached full maturity.
I wouldn't even mind work and bills if there was some purpose to it. If there really was a god looking after you and keeping and eye on things. If getting married and starting a family was rewarding. If there was a way to actually fix problems and not let the past ruin the present. If suffering and trauma actually made you a better person in the end and not merely destroy you. If there wasn't serial killers, psychopaths, rapists, pedos, and all sorts of assorted freaks walking the earth. If humans weren't such jealous, meddling, cruel, homicidal, genocidal, tribal, irrational, backstabbing freaks.
They want me to look at all that and still have the desire to contribute to society? I'm simply too aware to enjoy all this. And no, none of your bullshit religions make any sense.
I wouldn't mind the bad days if it all made sense, but none of it does. I often look around and ask, what the fuck is this? Sometimes i wonder if i'm surrounded by npc zombies. I don't think so, probably just people who haven't realized how fucked it all is. Meanwhile, humans who think this is all fine and dandy continue to bring more children into the world. If there is an afterlife, there better be some serious explanations for this shit.