First of all, let me make it clear that this is NOT my opinion that people are set in their ways after 50. I've heard it from two different family members, two decades older than me, past the age of 50, referring to themselves as being set in their ways. I've been told:

"Don't expect me to change. I'm over 50. I'm set in my ways."

Is that just another excuse not to change, or is it really true that once you are established in life, the change becomes difficult?